milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (OR).
Issue: Trouble during payment process

Complaint: We had a mortgage resolution conference with  Citibank  on  XX/XX/XXXX    and both parties came to agreement. We were set up on a trial payment plan for 3 months. I paid {$930.00} that day and here is a list of the other payment dates of {$930.00} :  X/XX/17   ,  X/XX/17   ,  X/XX/17    and  X/XX/17   . I tried to speak to  Citimortgage  yesterday to make a payment and question the wrong statement they sent me, but after  57 minutes and being shuffled between four differe nt departments while waiting to speak to a fifth department my call was dropped. I sent an email to an  XXXX   XXXX  who is my dedicated??? Homeowner Suppor t Specialist aski ng him to call me after   XXXX   XXXX   which he did not yesterday or today.    Citibank sold? my mortgage to Citimortgage. Citibank or Citimortgage is confused, messed up or ridiculously inept. They have not sent me any documents after the 3 month trial period pertaining to the modification, they say I have a past due amount of {$50000.00}, say I am being charged {$41.00} late fee, and their   principal balance is wrong.

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 02/28/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I received pretender lender loan servicer " Ocwen Loan Servicing '' mortgage statement, XX/XX/XXXX. between XXXX and XXXX Ocwen Loan Servicing used Homeward Residential and American Home Mortgage robo-employees as a court XXXX tool to phony up a XXXX lawsuit against me by using forged fabricated documents and robo-witnesses. Ocwen Loan Servicing made several attempts through the years to rip off my home I own free and clear. I do not owe Ocwen Loan Servicing a single penny, never have and never will. Ocwen Loan Servicing used fraudulent foreclosures, using its cozy relationship with altisource to phony up fraudulent trustee sales, using sale threats as a weapon, that if I did n't sign the loan modification settlement they would proceed with fraudulent trustee sale and I would lose my home I own free and clear. I have serious health troubles, I signed the fraudulent {$750000.00} loan modification under stress and fear to stop the altisource fraudulent trustee sale that was taking place in just days. Ocwen Loan Servicing and its lawyers have been harassing me for years, which has caused me serious life threatening permanent health troubles which will be proven in court. With the support of my doctors and new lawyer I will be given my rights back and be given a fair jury trial. I will be retaining attorney " XXXX '' XX/XX/XXXX, she will be serving Ocwen Loan Servicing with summons. Ocwen Loan Servicing stop harassing me, stop using your cozy relationship with altisouce to further threaten me and push me around. I do not owe Ocwen Loan Servicing a single penny. I will not pay pretender lender loan servicer " Ocwen Loan Servicing '' {$750000.00}, over {$200000.00} more the {$550000.00} Option One Mortgage Loan that was paid off over 10 years ago. 

I pray in the name of XXXX that you please give those Ocwen XXXX employees terminal XXXX so they will stop harassing me and leave me alone, and so they will feel the pain of what its like to be tortured for years. Amen!

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a NOTICE OF DEBT from Linebarger, Goggan, et al for a parking violation. This correspondence claims to collect an outstanding debt when this is the first I have heard of such a claim. I did indeed park in the said lot on the said date, however there was no attendant on duty either upon arrival or departure from this lot. I also did not observe a machine to make payment. I will gladly pay the {$5.00} flat fee which is the advertised rate for this lot and mail it directly to the XXXX ( owners of the lot ), but I refuse to pay the astronomical {$60.00} fee demanded in this letter. I have researched this law firm extensively and have uncovered hundreds of other victims of this scam. Someone please close these snakes down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax XXXX are reporting me as delinquent on my account which lowered my score. I have contacted my creditors and everyone states I am current on my accounts. NO one is able to explain why my score has plummeted!

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I received letters from the risk management dept of Wells Fargo telling me they were closing all my accounts. my 2 business accounts, my business savings, my 2 business lines of credit, my 2 personal accounts, my personal savings, my personal credit card, my personal line of credit, ALL my accounts. I have been a loyal customer of Wells Fargo for 34 years and all my accounts were in good standing. I thought this had to be a mistake so I spent endless hours on the phone talking to supervisor after supervisor seeking higher authority asking them to please correct this or give me an explanation. No matter who I spoke with all they said was it was a business decision and they don't have to give me a reason. This caused me thousands of dollars of my time and has caused me so much stress trying to seek answers and spending endless hours on the phone and searching for a new banking institution, setting up all my account, bill pay, ACH withdrawels, etc. My business is complex and this caused me at least 2 months of my time and the stress has been overwhelming. I even went in to the local branch and the manager could not give me any answers as they have no authority and I suppose if they stuck their neck out too far they would get fired. Wells Fargo is a Dirty bank that abuses their customers because they can get away with it. This has affected my credit score because of them closing my credit card and credit lines. I owe a balance on 2 of my business lines of credit totaling {$150000.00} and they are telling me because they are closed I need to pay them in full and they can not restructure them into a simple interest loan. They turned me over to their small business collections and offered me to pay 60 % of the loan and they would write it the rest off but it would affect my credit score. I can not come up with that kind of money nor do I want to harm my credit score. They have put me in difficult position along with the many hours, money and stress that comes with it. Last month I saw a few articles regarding Wells Fargo closing peoples accounts that shouldn't have been closed. A year ago we refinanced a home though a broker and Wells Fargo bought the mortgage. This last XX/XX/XXXX we moved and bought a home and Wells Fargo bought that mortgage so we are good enough for them to buy our mortgages but they cancel all my other accounts? This company needs to be accountable for their actions. I have attached some of the letters I received from them cancelling our accounts. Thank you, 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 03-01-2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Other fee

Complaint: Back in 2010, when I was busy with school, work, and volunteer activities, I was talked into signing up for a second credit card with Chase Bank, and told that this was a smart move to help build credit. I was told that this card came with overdraft protection to protect overdrafts from my checking account with the same institution. Meanwhile, I had my first credit card setup to pay the balance in full. In short, money was transferred from checking to clear the balance on the first card, and this pulled credit from the other card, which came with biannual fees and raising my interest rate from 19 % to 26 %. When I tried, numerous times over the years, to address this with Chase they ignored me, or diverted the issue. Interest rates are a function of risk. What is the risk to Chase when XXXX card is being paid off with their money? If a person did this, it would be check-kiting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/23/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax improperly shared my credit report and even after receiving a police report, refuse to remove the information from my file XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There was an account that someone opened in my name with XXXX XXXX XXXX, I believe it was an ex girlfriend. I did not authorize it, charge on it or had any knowledge about it. I have disputed with the bureaus but yet it keeps reporting. I do n't know where else to turn so I am hoping your company can assist me. Please

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I recently logged on to my account with Green Tree Ditech mortgage servicer and found out that I am being charged for an insurance that I have never had. I have paid for my mortgage principal and interest and do not escrow, as I pay my own insurance and taxes, furthermore I am have about 7 years left and do n't exactly know when and what this insurance is for, I did not call them for an answer as I have not communicated with them for the last 3 years, since I had issues in the past with payments, this is no longer the issue since almost an entire year, I pay biweekly and pay and extra XXXX via automatic payroll deduction. I am filing this complaint because I know something is not right, it should be noted that the deductions do not appear on any paper statements, I only found it buried in the payment history online. Thank You for your assistance in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX   XXXX ,  2017  I deposited  XXXX  United Sta tes Postal Money Orders into  my bank of america checking account via ATM.   XXXX  The total deposit amount was {$2200.00}.   XXXX  bank of america has placed an illegal 10 day hold on my deposit, citing the money orders need to be verified with the issuing instituti on. ( The US Treasury? ) I have contacted bank of america and spoke with 2 different representatives, one being a c all center supervisor.   XXXX  I need help in resolving this issue and prevent the illegal actions of bank of america.

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 11/30/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX Bank and XXXX is showing an inaccurate balance on my credit report. The vehicle was showing repossession and also the same balance as the value of the car. XX/XX/XXXX the vehicle was towed by my apartment complex for an expired tag and the tow yard sold the vehicle after 30 days. I have reached out to XXXX Bank to get the new balance and status on this vehicle that was never repoed and they refer me to there lawyer. Since then I have tried to get my balance but continued to dispute through all XXXX credit bureaus to get an accurate balance to fix any mistakes on my credit and have been unsuccessful. I even set up a payment plan with the lawyer XX/XX/XXXX but I advised I will not start paying until I get something in writing showing the vehicle was sold and what my new balance was. All the Credit Reporting agencies are not investigating properly and I need to place a complaint or my next steps will be to sue both the credit agencies as well as the creditor. I feel I am doing my part and spending hours of my time to attempt to pay what is due if anything is due I am getting no results.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Non-federal student loan) with EOS Holdings, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This loan was included in a 2009 bankruptcy under XXXX and now under XXXX they are trying to collect as well as declaring me deceased, which I obviously am not. This loan was not valid as XXXX XXXX was supposed to recall full loan and school not attended due to illness which resulted in subsequent bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My loan repayment terms had changed based on my requesting and having been approved for a forbearance on the loan. The first month of my forbearance repayment period was subsequently erroneously recorded on my record ( and thus on my credit report ) as having been a late payment- this was incorrect. I called the loan company who then corrected this on their own records but this error continues to be negatively effecting my credit and remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, XXXX, I purchased a used vehicle from XXXX XXXX of XXXX, in XXXX, OH. Three days after purchase of my XXXX XXXX XXXX XXXX service lights came on when I started it. The service lights were XXXX control. I immediately contacted my salesman XXXX XXXX XXXX XXXX making him aware of the issue. After communicating via text messages, I took the car in for servicing. This was only the beginning of the issues I 've had with this vehicle. 
My wife and I have always leased new vehicles. I purchase a second vehicle to prevent from going over my miles on my current lease. XXXX XXXX stands on the premise of servicing the community where their dealerships are. I served on the XXXX XXXX XXXX, I wanted to make a purchase near where I live. 
I 've had several issue with this vehicle, as of today XXXX XXXX, XXXX the car is not operable. My father and I tried to jump the battery with no results. It appears nothing was done to this vehicle at trade in. I understand the vehicle was purchased " AS IS - Without Warranty '' but never did I expect to have issues 72 hours after purchase that have proven to be ongoing and dangerous. I have n't had the vehicle 6 months. 
Please review all attachments to include my attempts to resolve this issue with the dealership. I 'm the XXXX, therefore I understand how some things happen. I 've invested a lot of time, money and suffered inconvenience. I contacted the management at XXXX XXXX trying to give them opportunity to make this right. No one has felt it necessary to follow through. 
I 'm hoping you can help get this resolved. Had I purchased the car from a private owner, I would have expected " Buyer beware. '' Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: received a phone call from a XXXX XXXX telling me that he is with my mortgage company, Bayview Financing. he asked for my s.s. number or loan number. i gave my loan number. he was able to pull up my loan information. he then said that today is the deadline for a loan modification. he offer to lower my payments about XXXX %. BUT, he needed the first of 3 trial payments TODAY. I asked for an email from Bayview reviewing these terms. after initially agreeing to do so, he then exclaimed that i was on a no email list. This is when i knew it was a scam. when i asked for more of his information, he hung up. the call came from XXXX his voice mail left his direct line of XXXX which is the line i called and he answered. losing your home is traumatic enough without these people making it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit card () with Synovus Bank (CA).
Issue: Late fee

Complaint: i ordered a secured credit card from first progress ( XXXX ) by depositing $ XXXX/-The card was issued but no bills were sent for the fees. I came to know of the fees only from my credit report as the credit card company reported for late payment. i sent a check to them as their website do not work most of the time. i was paying under protest but they never encashed the check. 
so that i can call them and they can charge extra. in the end i ended up paying for fees/late charges and XXXX negative on my credit reports without ever having used the card. 
till date have paid more than {$100.00} in fees. the purpose to build the credit failed as they are totally un cooperative. 
i recently learnt it is illegal to charge late fees and report me to credit reporting agency as per fcra rules for fees. 
there is something wrong in not using a credit card and have to suffer late fees and have my credit ruined at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with Diversified Recovery Services Inc. (RI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have had repeated phone calls from XXXXsomething. Finally, I got sick of it and started answering just to see what they wanted. Yesterday it was XXXX, today it was XXXX. Always very noisy in the background like it 's a call center. I can make out Diversified or XXXX something, calling to collect a debt owed XXXX, not paying could go on my record, call may be recorded. Today I was able to make out that they think I owe them about {$240.00} and they wanted to know if I was going to settle the debt using a credit card or checking account routing number. 
No mention of thirty days to dispute. Both times my reply was " I have n't had an account with XXXX in about a decade. I am not paying you anything. '' and hung up.

Company response to consumer: Untimely response
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX of weeks ago i happened to check my credit report and i realized that it had addresses that i have never lived, several activities that i was unaware of. XXXX activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under XXXX account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had XXXX services and my identity was compromised. After a few days of investigation account was recalled by XXXX and closed on XXXX/XXXX/2015 agreeing that it was fraudulent account. Few days later i got a debt collection notice from " Afni XXXX '' with the same XXXX account number and amount claiming its new collection notice, i reached out to them and did n't get any help. see attached document

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (MS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I disputed my account with PRA, and verified that the debt was from XXXX XXXX. The reason for the dispute was that I have had XXXX accounts with the original creditor since this account and did n't know that the debt had been sold. Once verified, I contact the company to try and settle the debt. 

First, I was told that I could pay for the deletion of the trade from my credit report. I told the representative that I would call back to make the payment and fulfill this agreement. 

Next, I called to settle the balance and was told that " they did not do pay for deletes '' which was the complete opposite from the understanding that I had. 

I was told that I needed to contact the original creditor to have this deleted -- very confusing. I called the original creditor, XXXX XXXX, and they said the debt had been sold to PRA, they had no control over the reporting, and were not sure why I was told to contact them. 

I called back, got another representative and she told me that I needed to pay the balance, and then contact the credit reporting agencies to have it removed. Again -- very confusing and false information. Once she 's caught herself on what she had said, she put me on hold. 

A manager ( who started off very polite ) then gets on the phone and tells me that " they just had a meeting yesterday, and no collections agency is allowed to remove information from an account now. '' -- once again, FALSE, and fabricated. 

She said that PRA was not even concerned about receiving the full amount. They just wanted a portion, so that it could be marked as paid, then begins to offer me {$20.00}, {$30.00}, {$40.00} off of the balance. I told her that the amount was not an issue -- I just wanted the trade deleted as promised, upon full payment. She then proceeds to offer me {$90.00} off. No thank you. 

I told her that I would contact the CRA 's as her employee instructed, and that I would get back with them. She then proceeded in a demanding, condescending and very abusive tone to tell me that I needed to accept their offer and that the credit reporting agencies would be able to do nothing to help my situation and that she had been working at PRA for 6 years and proceeded to tell me " exactly what they were going to tell me. It almost felt like she was trying to make a sale. 

Still, I got nowhere on the initial agreement to have this account deleted upon full payment.

Company response to consumer: Closed with non-monetary relief