milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I have a Veterans Administration mortgage with Citi mortgage with an principal and interest amount of {$2400.00} and an escrow amount of {$1000.00} totaling {$3400.00}. 
XX/XX/XXXX we received statement that our payment would be increasing to {$3600.00}. This increase is driven by a new escrow amount of {$110000.00}. This amount seemed odd as our insurance had decreased year over year and our taxes were set to decrease for 2017 as well. At the very least we knew everything would stay the same and that escrow would not need to increase, especially in excess o {$1500.00} per year. 
We continued to make our payment of {$340000.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We had reached out to Citi to get an analysis of the escrow to figure out why it increased. Additionally, in XX/XX/XXXX and XX/XX/XXXX despite having made our payment we were hit with a late fee of {$96.00}. XX/XX/XXXX we finally received an escrow analysis statement and it was factually inaccurate. Additionally, we explained the situation and requested that our late fees be waived since we continued to make payments on time. In looking at our statements the principal and interest we had paid on monthly basis were not applied appropriately to continue the proper amortization despite the fact that principal and interest was fully paid. When we asked specifically about credit bureau reporting we were told that there would not be any since P & I was paid. This turned out to be false information as on XX/XX/XXXX I received notice through my credit bureau monitoring that Citi indeed reported a 30 day late notice. 
I called Citi to file a complaint and they indicated that they were right to file the report despite the fact that we had requested documentation, had been in contact several time and most importantly made timely payments as we had for the last 2.5 years. Upon further discussion it was found that the escrow amount that they are charging was indeed inaccurate and required for sure XXXX adjustment and potentially another once the tax records are reviewed. Essentially meaning that even the XXXX payment may have led to an overage instead of a shortage, basically that by paying XXXX I was not submitting an incomplete payment but an over payment

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 12-05-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting an unknown account XXXX/unknown company is reporting information on my credit file. I have notified them that this is not my account. I have also asked them to send me proof that I am obligated to pay them for this debt if they are suggesting that the debt is mine. I have not received any proof that they own this debt or that I am obligated to pay them. This account needs to be remove from my credit file. This is not my debt. This company have violated the FCRA by not providing me with proof that I am obligated to pay them and reporting a debt that do not belong to me.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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've had this problem numerous times with Equifax, with them removing an item ( XXXX XXXX XXXX ) only to have it reappear on my credit report. The time before this complaint was back in XXXX complaint number XXXX. I'm getting tired of this, their not following the law of the credit Reporting Act. The latest one was a few days ago, which I'm sending proof of. This illegall activity just keeps occuring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've been having harassing calls from XXXX management companies for months. My insurance company informed me to file a formal report with them because this was a known scam to them. These calls have persisted and they have some how gotten more and more person medical information about me and even now know where I live. The calls went from just other states to right here in my home town. Some of these numbers pop up on google with some pretty scary web links. ( I never open them ) My problem started after I started rejected there calls and after telling them I had reported them. Insurance company told me to tell them this. I then started getting calls from RPM, Receivables Management Performance. At XXXX I thought it was the same scam XXXX from before so I did n't answer. They started leaving numerous messages stated they were RPM a debt collecting company trying to collect a debt. Knowing that All my debt is paid off I immediately went to check my credit score. There it shows I XXXXwireless XXXX. How ever the phone account is n't in my name. Never has been. Nor under my social. So I found this very odd. It then said the original company charged me in XXXX XX/XX/2014 for the XXXX but never received. So I went to our phone statements knowing were not behind looking for this charge. XXXX never charged XXXX for any services additional to our normal bill. Payment history shows every payment has been made on time. I also never received calls from XXXX. I have tried answering the calls from RPM. They either announce who they are and then hang up, Hang up the XXXX I answer, or speak some other language real quick then hang up. Either way they never actually try to collect nor let me dispute the charges. They call every day between XXXX times. Different numbers. This is the absolute only debt I have showing on my credit and like I said before XXXX is not my account. I 've never had any wireless company account in my name. I looked this company up. There are many complaints about RPM. Hang ups, harassing calls, fraudulent charges for items people have never had. Even filed through the BBB people have these complaints and yet they still receive a XXXX star rating. Im not sure how these people are allowed to be in business. I would like this inaccurate debit removed and investigated so hopefully they do n't try again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XXXX/XXXX/2017 and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 01-03-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Checked my credit report and found there was a hard inquiry for XXXX that I did not authorize. I did not apply for ANY credit on XX/XX/XXXX. This is being reported at XXXX of XXXX credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/XXXX, I applied to my mortgage holder Citimortgage to refinance my 15 year mortgage loan to take advantage of a lower interest rate. I was approved for the loan, however, at the time of closing in XX/XX/XXXX I was between jobs and was not allowed to close on the loan although I had bought my home back in XX/XX/XXXX and had never had any problems with my monthly payments, more importantly I continued to make my payments as required even during this time between jobs. Additionally, the required appraisal which caused me over {$350.00} showed that my home value to loan meant that a PMI was not required, Citi has continued to bill me for PMI cost and have advise that it will automatically end in XX/XX/XXXX. My potential mortgage savings were about {$500.00} per month and savings related to removal of the PMI would have been {$170.00}. As for the record, I have been an Accountant for over 26 years and have not been unemployed/underemployed for no longer than 3 months over the past 19 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is reporting a Tax Lien that do not belong to me. I have contacted the courts and they provided me with a letter that stated that they did not provide this inaccurate information to Transunion. Please assist me in getting this Tax Lien removed from my credit file. Also, I noticed that the date on this account is outdated. This shows that Transunion has several violations with regards to this account.

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 05/19/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: From  XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX  last called  XXXX   XXXX    XXXX   says it 's an attempt to collect a debt and I should call her back. Has phoned about 5 times. I am not aware of any outstanding debt except my credit balance.      XXXX   XXXX   XXXX  company, this is an attempt to collect a debt and any information obtained will be used for that purpose please return the call to  XXXX   XXXX   XXXX  at  XXXX   XXXX  again. That 's  XXXX   XXXX   XXXX  at  XXXX . Thank you.  Trans world systems incorporated is a debt collection company. This is an attempt to collect a  debt and any information obtained will be used for that purpose when calling please refer to your ID code  XXXX   XXXX   XXXX   XXXX . Thank you.   PLAY MESSAGE YOUR ACCOUNT HELP CENTER HELP FORUM To edit your email preferences for voicemail, go to the Email notification settings in your account.    XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently checked my Experian credit report and found inquiries I did not authorize from XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXX and XXXX XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX ... Experian has not given me written documented proof I consented to these hard inquiries as required per section 605 and  section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was the victim of a hacking incident on or before XX/XX/XXXX that involved the theft of personal information of approximately 143 million persons. The data stolen included social security numbers, home addresses, full names and birthdates. I used the website that Equifax provided, www.equifaxsecurity2017.com to see if my information was among those compromised. Equifax suggested that they believed that it was. I have placed a 90-day fraud report on my credit report via XXXX 's phone service. 

Equifax was made aware of the breach on XX/XX/XXXX, but did not notify any of the affected persons until XX/XX/XXXX, over a month later. This is a serious breach of trust on the part of Equifax. Additionally, Equifax has set up a website that seems to treat the data breach as a marketing opportunity. www.equifaxsecurity2017.com does not explicitly tell consumers whether or not they are among the consumers affected. It merely suggests that they may be affected and then begins a sign-up process for Equifax 's credit monitoring service. Finally, Equifax clearly did not take strong enough measures to protect consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a bankruptcy reporting on my XXXX and my experian credit reports. It shoud not be on my report.

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 05-05-2017 about Debt collection (Medical debt) with Revenue Recovery Corporation (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for REVENUE RECOVERY CORPORATION license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. REVENUE RECOVERY CORPORATION does not have a VALID license in the state of TENNESSEE. Their license expired in XX/XX/XXXX, 2016. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. REVENUE RECOVERY CORPORATION is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Untimely response
Consumer complaint received 02/19/2017 about Mortgage (Other mortgage) with CITY NATIONAL BANK (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a mortgage with City National Bank. I have had the mortgage since XX/XX/XXXX. I am complaining about unfair business practices by City National Bank. on several occasions between XX/XX/XXXX and XX/XX/XXXX I had to pay my mortgage at the end of the month because of financial difficulties. I would walk my payment into a branch and have it posted to my account for that month. While it was well within 30 days of when it was due the bank would fail to finally post it to my loan for several days after which would ultimately result in a late mark on mine and my husbands credit. Often times, the bank was in receipt of the funds in their account for the mortgage payment but they would still fail to post it to my account. When I realized they were doing this I provided them with stubs from the bank showing the payments were posted before the 30 days at the branch and that they had already taken out the money for the mortgage payment. They responded that they have up to 5 days to post the money to the account and that paying it at the branch did not qualify as a " posting '' even though it was stamped as posted in the branch. I believe that I was well within the 30 days when I made my payments and that they continued to mark my credit several times because they had an internal posting process that caused a delay on my account.

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 10-10-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: After I did modification my first loan in XXXX, my second loan remained same 11.5 %. It was difficult to pay. Every 6 months the landers were change and made me difficult to make deal with them. 
And on XXXX, XXXX the new lander XXXX XXXX of my second loan, sold the property as a foreclosure house an auction to somebody else, who evicted me from my propertys even if I paying my first loan. Before they sold the house many times I contacted to my first lander and explained the problem. But they did not even try to help me. After I left the house I stopped paying my first mortgage. Now they are keep sending the letters thats my responsibility to pay. 
Im confused.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: M & T Bank has refused to address our issues. M & T Bank has refused to provide a Power of Attorney for XXXX to act on their behalf, as required in our XXXX office. XXXX is either M & T Bank 's agent or not. M & T Bank refuses to state as to whether or not XXXX is acting on their behalf. This is despite an assignment and discharge recorded in XXXX XXXX -- 14 years after our payoff - by XXXX, on behalf of M & T Bank, without the required valid and legal Power of Attorney ever being recorded in our XXXX. We demand that M & T Bank simply answer our question, provide a valid Power of Attorney recorded in our XXXX -- or say that M & T Bank can not provide a Power of Attorney. This request is simple, and M & T Bank has failed to respond - multiple times. It has also been requested that M & T Bank explain the discrepancy in " loan '' account numbers. We request that M & T Bank immediately respond to our request. M & T Bank 's response is for us to hire an attorney. We should not have to hire an attorney until M & T Bank properly responds to our requests through the CFPB. 
Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: Equifax has continued for the last 5 years at least to put an item on my credit report which do not include my birth date or social security number. I learned after thinking this item was removed from my account that it was placed on it again in XX/XX/XXXX. At which time I contacted XXXX XXXX XXXX XXXX and in a three way call with XXXX XXXX proved that the billing was not mine and my accounts with XXXX XXXX XXXX XXXX were paid in full and I did not use them on the date in question. Since this time XXXX XXXX has requested that this item be removed from my account but for some reason Equifax refuse to remove it and only states that the consumer disputes this account information which is what I did when it was first placed on my report. Equifax never responded to the dispute and after the seven year period when it was coming off it was placed on my report again without a birthdate or social security number to verify it is my account. This false information has cause great financial hardship, mental and emotional distress with the difficulty it cause in obtaining items on credit and the higher interest rate I am charged for this false information. 
Item to address recent collection account XXXX XXXX account number XXXX date filed XX/XX/XXXX last date reported XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My owing {$200.00} to Pinnacle Credit Services showed up on my credit. IT WAS N'T MY BILL. Pinnacle told me that getting it removed would be shorter if I paid it. After I paid the bill they refused to remove it from my credit report. SO now I 'm out {$200.00} and still have a negative on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent credit card application using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with Experian, XXXX, and XXXX. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus ' job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!

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