milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Mortgage (Other type of mortgage) with State Home Mortgage (GA).
Issue: Trouble during payment process

Complaint: FROM XX/XX/XXXX TO CURRENT XX/XX/XXXX. I HAVE RECEIVED LATE FEES FOR PAYMENTS THAT WERE ON TIME. IVE HAD MY CHECKS NOT GO THROUGH AND WAS UNABLE TO REACH ANYONE TO FIND OUT WHY OR WHAT I NEEDED TO DO? MY BANK HAD BEEN VERIFIED AND ACCOUNT INFO WAS CORRECT SO I HAD NO OTHER CHOICE BUT TO REACH OUT TO OTHER ENTITIES. I CALLED AND LEFT MESSAGES AND NEVER GOT A RESPONSE UNTIL I WENT TO THE XXXX XXXX WEBSITE AND SPOKE WITH A REPRESENTATIVE THERE AND ALSO CONTACTED MY LENDER TO TELL THEM WHAT HAPPENED. AFTER 3 MONTHS I RECEIVED A RETURN FROM THE LATE PAYMENT FEE THAT WAS ERRONEOUSLY APPLIED. 
WHEN I TRIED TO SET UP MY ACCOUNT ONLINE TO MAKE PAYMENTS THEY WERE NEVER ABLE TO SET THE ACCOUNT UP FORCING ME TO CALL EACH MONTH WHICH NO ONE EVER ANSWERS THE PHONE. WHEN I ACTUALLY GOT A CALL BACK FOR THE INTERNET ISSUE I WAS TALKED DOWN TO LIKE A CHILD OR A DOG. MY ACCOUNT WAS RESET OVER AND OVER AND OVER WITHOUT REQUESTING IT TO BE SO I WAS NEVER ABLE TO LOG ON AND USE THE SERVICE. 
IN XX/XX/XXXX I TRIED TO CHANGE MY HOMEOWNERS TO TRAVELERS AND THE NEW INSURANCE CALLED ME 2 MONTHS LATER SAYING THEY NEVER GOT A PAYMENT. WHEN WE CALLED ON 3 WAY THE PERSON I SPOKE TO TALKED TO ME AND THE INSURANCE LADY LIKE WE WERE TRASH. HE TOLD US THAT WE COULD NOT CHANGE OUR INSURANCE BECAUSE IT HAD ALREADY BEEN PAID. THAT I WOULD OWE ALL THIS MONEY. HE MADE ME FEEL SO BAD THAT I JUST STOPPED THE PROCESS. WHEN I CALLED HIM OUT ON HIS BEHAVIOR, HE ADVISED THAT IF I DID N'T LIKE IT I COULD HANG UP. HE WENT ON TO ARGUE WITH THE INSURANCE REP FROM TRAVELERS ACCUSING HER OF NOT KNOWING WHAT SHE WAS DOING WHEN SHE HAD BEEN IN THE BUSINESS FOR 15 YEARS. THE PHONE CALL LASTED AN HOUR WITH HIM ARGUING WITH US. 
I HAVE EMAILS OF HIM TRYING TO APOLOGIZE FOR HIS ARROGANT SLANDEROUS BEHAVIOR. I ALSO HAVE EMAILS OF ALL TIMES I HAD ISSUES WHEN I WAS ACTUALLY ABLE TO GET A RESPONSE FROM SOMEONE. 
CURRENTLY THE MORTAGE COMPANY IS SAYING I OWE THIS EXTRA MONEY WITHIN MY ESCROW ACCOUNT, BUT YET WHEN I CALL THEY WONT CALL ME BACK. SO I AM TRYING TO FIND OUT WHY MY MORTGAGE WENT UP {$50.00} DOLLARS A MONTH AND WHY THE ESCROW ACCOUNT PAYMENTS DO N'T ADD UP AND THEY WONT CALL BACK. I HAVE TO KNOW WHY ITS WENT UP? I ALSO NEED THEM TO EXPLAIN WHAT THEY DO WITH THE FUNDS THEY RECEIVE? THE AMOUNTS DO N'T ADD UP ON THE STATEMENTS THEY SEND. WHAT CAN I DO?? THIS HAS TO STOP!!! STATE HOME MORTGAGE HAS THE WORST BBB RATING AND OTHER CONSUMER COMPLAINT RATINGS I HAVE EVER WITNESSED!!! WHY ARE THEY ALLOWED TO CONTINUE THIS TYPE OF BEHAVIOR WITH SUCH RATINGS? IS THEIR NO PENALTIES OR DISCIPLINARY ACTION THAT CAN BE MADE AGAINST SUCH COMPANIES TO KEEP FROM THEM FROM CONTINUING IN THEIR ACTIONS??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The issue is the continuing of reported information that has been previously disputed. I have requested that Chex-Systems removes these following items from my consumer report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also I have requested that the inquiries from these credit unions to be removed as well. Also the inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 09/26/2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Rcv 'd call on XXXX/XXXX/XXXX on cell from XXXX at XXXX with no company name. Only an case #. She also stated made that they made several attempts to reach us, but we have no record of any previous calls. When we got home, there was a message on the answering machine @ XXXX from same lady stating she was employed by ARA and the same info as above, that a immediate response was necessary or a final decision will be made that evening. I requested info in writing as I have no knowledge of owing any debt whatsoever to XXXX XXXX Bank, the name of which she gave when I talked to her. She was very aggressive when I spoke to her and I ended the call. A letter was received from ARA, on XXXX/XXXX/XXXX, dated XXXX/XXXX/XXXX, demanding payment of a very, very large debt we know nothing about. I pulled my credit report from XXXX different bureaus and there is not a reference to any such debt. I also went to our local bank with this information and they said it was probably a scam. I have not now nor ever had an account with XXXX XXXX Bank, who, by the way, ceased operations in XXXX under that name, per the internet and our local bank. I have sent a letter of dispute to ARA, XXXX to their XXXX XXXX XXXX and a street address obtained by XXXX them. This letter requests proof of debt being mine by way of a copy of original loan documents with my signature. These letters were sent registered, return receipt requested, upon the advise of CFPB. who were very gracious in helping my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX claimed they sent service to my former address and there was no service to said address in the area at that time. I never received any products or services from XXXX, what so ever!!! Now a collection agency is blocking my credit with this unauthorized and incorrect charges of {$2600.00}, which I have been denying for several years to no avail. NOBODY RESPONDS. the charges are still on my credit reports and must be removed by Jefferson Capital Systems collection # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I XXXX asked Experian to update the phone number in my Fraud Alert in XXXX of 2014 and they did not do it. Both XXXX and XXXX XXXX did update the alert with my correct phone number ( XXXX ). Experian asks me to try their guessing game questions/answers of which they never match my actual data because I am a victim of Identity Theft. No one at Experian is able to help me. They ask me to re-upload, fax, mail etc. my ID and information to them. The info gets sent and they still do not update it. I am getting my credit denied for auto and housing because they do not have the correct telephone number in my fraud alert.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Debt collection (I do not know) with ERC (TX).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Someone named XXXX, with a very thick accent, called and asked me to verify my name, address, phone number, past address, and employment. I refused to do so, asking who he was. All he would say is that he was XXXX ( last name inaudible ) from Enhanced Resource Centers, but he would not give me any additional information. I looked up Enhanced Resource Centers online, and found that they are a debt collector. To the best of my knowledge, I have no outstanding debt that is in collections ; I hung up on XXXX for this reason. However, while I 'm not an expert on the FDCPA, I 'm pretty sure that a debt collector must identify themselves as such. At no point during the two minute conversation, did XXXX every identify himself as a debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Advertising and marketing

Complaint: Citibank had a promotion to get a credit card and if in the first months you use more the {$3000.00} they will give you XXXX miles. I called to verify that I had some of the miles because I spend over {$2000.00} and had over a {$1000.00} pending which it will be equivalent to {$3000.00}. When I called the lady that answer my phone call was not friendly at all she was talking very loud and did n't honor the promotion and said that even if I spent {$3000.00} I will not get the miles, I asked to speak to the supervisor and again he was talking very loud, all this conversations were in XXXX so they think that just because I asked to speak in spanish they think that you need them to speak louder, that is very frustrating. So this supervisor called XXXX said again that " no I will not get the XXXX miles '' then I said why is Citibank promoting something that is not true! Then he said " Oh yes you Will Get the XXXX miles by XX/XX/XXXX '', because I had spend over {$3000.00}. Then I asked for some sort of confirmation and he said that it was not needed. I called last night XXXX XXXX and spoke to a lady that talked super loud and she said that I was NOT going to get the XXXX miles. I can not believe that they have such a poor customer service and more severe false advertisement. Please help me with this situation. Thank you for your attention in this matter. 

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 non-monetary relief
Consumer complaint received 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Although I have submitted to the collection agency documents that prove I have paid this debt, they continue to send documentation concerning debt that I do not owe. I also was informed by my current landlord that I should not have included them as beneficiaries on my apartment insurance. The fees they are trying to collect are fees to their insurance company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Per letter dated XXXX XXXX, 2017 I requested that they Validate this with the Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. I formally requested that this information be immediately be deleted from my credit file that they maintain under my social security number if they can not provide this information. They have not provided this information or any other information bearing my signature as to the verification of there process. Per the Fair Credit reporting Act Section 611 ( a ) ( 1 ) ( A ) they had 30 days to provide the information which they have failed to do. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ) they are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that they post on anyone 's credit report. I am requesting that this Bankruptcy be DELETED NOW. They have failed to respond in a satisfactory manner within the 30 days of receipt of the certified letter and as a result I will be filling a small claims action against Transunion Credit Reporting Agency. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation : 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

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 08/29/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony Bank Bank calls repeatedly daily 7 days a week. 
I have verbally asked them not to contact me via my phone number, nor any other phone number listed, and to not email me as well. 
Today I also sent an email reply to an email they sent to me and asked again. 

Last 3 days of calls from them are as listed : Saturday XX/XX/XXXX called from XXXX XXXX a.m. 
XXXX a.m. 
XXXX p.m. 
XXXX p.m. 
Sunday XX/XX/XXXXXXXX a.m. 
XXXX p.m. 
XXXX p.m. 
MondayXX/XX/XXXX XXXX a.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX pm., XXXX p.m. 
In XX/XX/XXXX, I asked them to stop calling me, and emailing me. I have a baby and a full time employer that get very upset when my phone is being called. My employer has given me a verbal warning, and now I have to leave my phone in the car. Even though the [ hone only vibrates at work, it is still distracting to the other employees.

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 09/23/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: I called Macys, last year on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, besides other times trying to dispute a Macy 's account which was opened in XXXX just before the hurricane in XXXX. Speaking with the customer service who kept this account valid fromXX/XX/XXXX through XX/XX/XXXX.Constant calling and speaking to several different people. I spoke to very upset when the account was transferred to Bloomingdales at one point. I am a Victim of ID Theft in XXXX, XXXX, XXXX which is when I filled a police report with account ending in XXXX. I sent so many inquiries to ask for them to update investigate and delete. Macy 's ignored my response and kept this account on my credit file. I asked them if I could apply for another credit card, because of my credit file with credit bureau 's was destroyed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX XXXX is paid in full and is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 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: After years of struggling to make payments on my private student loans. XXXX charged my loans off to a debt collection bureau. I was able to eventually reach a settlement for XXXX dollars with the debt collection bureau to settle the delinquent debt and put the loans in a positive status as paid in full as a result of settlement. Even after reaching the settlement and filing several disputes on all three credit bureaus, XXXX is still incorrectly reporting my accounts as delinquent and charged off. Pay law they should change the status and it should be reflected on the credit 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 04-05-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was purchased by Shellpoint Mortgage Servicing in XXXX XXXX. At that point an " Escrow Analysis '' was done on my property, showing an Escrow Shortage of {$630.00}. The Escrow analysis stated that my payments, once the shortage was paid in full, would be {$1200.00}. Along with our mortgage payment, We sent Shellpoint XXXX separate checks from XXXX XXXX to XXXX XXXX in the amount of {$100.00}, to pay the escrow shortage. The checks were clearly marked in the memo as payment for escrow shortage, further identified on the payment voucher in the line item " extra escrow payment ''. 
Shellpoint did not apply the separate checks to Escrow shortage, instead misappropriating the funds to principal. Shellpoint is now requesting an additional {$400.00}. to " clear up the Escrow shortage '', and currently reporting to the credit bureau that we are 2 months late on our mortgage. 
We have paid our mortgage, and our shortage, and are now being subjected to false credit reporting because of inappropriate accounting practices. I have been denied prime lending rates on XXXX loans because of this false reporting. I am also receiving daily phone calls from the company attempting to collect a " debt '' owed to them. Acting upon advice from legal consul, I have sent Shellpoint a " Qualified Written Request, Billing Error Notice '' to dispute the claims. This letter was sent, Certified Mail through USPS, on XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 2015 amount- approx. {$2000.00} company American express I sent 7 letters and retained copies of all I spoke to customer service reps at least 6 times I sent letter to president of Amex I sent letter to credit bureaus explaining my case company wrote off amount as noted in my credit report and also noted I objected intial charge {$1500.00} for a plane ticket that Amex travel booked for me that was cancelled 5 days after booking and 5 months before anticipated usuage. They argued ticket was non refundable ( never told to me ) and they have tape of conversation that I asked 7 times to produce but they never did..because it doesnt exist, imagine I was client for over 30 years and spent an average of over 100k per year and always current and they cancelled my credit, advised credit bureau that had a whole lot of reprecusssions for me. HOW ABSURD that we could n't figure this out and they seemingly had no desire to do so as well I have informed them I would meet with them face to face and cooperate any way I could but all for nothing ... ..they were convinced I committed some sort of crime and refuse to discuss matter as it is now written off. I want it off my credit report please if you can help thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: According to my XXXX I previously had a XXXX account reporting on Trans Union Credit Bureau that was deleted. I just check my credit reports this morning and XXXX is reporting again. This seem to be a constant battle that consumers have to go through. It should be a law established that once a item is deleted it should remain off the credit bureau report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We are filing a complaint on our Loan Number XXXX based on the fact that we were given a trial modification in which we started sending payments on time. Without any reasons -after ASC received their 3rd payment- we were told by ASC that we were not longer part of this approved given trial period. 

This trial period, granted by ASC, was suddenly withdrawn, despite payments having been timely made, resulting in foreclosure. 

We asked ASC for an explanation and we were told that it was an internal decision and was confidential to ASC. 

Thereafter ; we hire lawyers to represent our case for a loan modification. In the processes thru several years, we submitted different loan modifications providing information based on different incomes. 

Regardless of how much income we were making ; we were always given an excuse and or a reason by ASC that we would not qualify -whether- it was because we were making too much money or we were not making enough money or that our income was too high and or too low. Never, we were ever able to please ASC with our income. 

Actually, on one of the loan modification programs, our lawyers found mistakes and errors in which they sent a notice of error pursuant to XXXX CFR sec. XXXX of regulation X of the Mortgage Servicing Act. 

Our laywer mentioned that the " error '' in this specific situation stems from a violation of XXXX CFR sec. XXXX ( XXXX ). 

Pursuant to XXXX CFR sec. XXXX ( XXXX ), an " Error ' within Section XXXX includes the failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure. 

Our Lawyer found out that many contradicting statements indicate a grossly negligent review of our modification package. 

Actually, in one of the laon modification process, a member of ACS admited wrongdoing and failing to do a good job in our case. 
ASC wrote " I apologize for the confusion as I could have done a better job explaining the use of the XXXX separate figures '' In addition, ASC mentioned that they are currently working with their customer or bank but we have not heard from ASC since this last response of failing to do a good job. 

In the process of all of these -many submitted loans modification- our arrears incremented tremendously. 
It feels as if ASC set up us to fail. ( Not acting in good faith ). 

If ASC would have not removed us from the original trial period given to us in the year of 2010, we would have never been so late on arrears -to that end- ASC is directly responsible for these arrears putting our family into financial distress due to their wrong doing. 

We believe that we have not been given a fair treatment to our case and we are looking forward for our case to be reviewed carefully to find a fair solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Checking or savings account (Savings account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I opened an account wi th Citibank for a {$500.00} promotion. I had to open a checking and savings account and put {$50000.00} in within 30 days. I also had to switch to paperless statements. I followed all the directions on point. They decided to close my checking account without prior knowledge nullifying my credit to the {$500.00} even though {$50000.00} is still in the savings. This was deliberate in an attempt to deny me the prom otion.

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