milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in the modification process with CitiMortgage for the last 2 years. I am consistently denied a modification. My last XXXX denials were because of unverifiable income. I work on the books, get a paystub and XXXX and my job deposits my money in my account every month. I get rental income, that is also deposited in my account every month. I submit any and all documents that were requested. I even forced my tenants to sign a lease because the banks said that I HAD to have a leases, though I did not want XXXX. I do not understand why my modification request is being denied. I make {$66000.00} a year plus have {$16000.00} in rental income. I filed bankrupcy and it was discharged in XXXX 2015, so I do not have any other revolving debt other than my student loans. My mortgage balance is {$390000.00}. I need help in determining why they are allowed to do this. I provide everything in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (OK).
Issue: Trouble during payment process

Complaint: I have been a custom er of CitiMortgage  since  XXXX  on my mortgage.   I have NEVER had a late or missed payment. Payments were auto-drafted and never had a problem from  XXXX  to  XXXX .   My mom got sick and I had to move in with her to help. I could not afford to keep up  XXXX  houses. I contacte d CitiMortgage about selling my house in a short-sale, as I had a buyer and contract. I had 4 extensions on the contract to sell my house due to CitiMortgage 's inept system. I was told that " bankruptcy cases were worked first before short-sales, '' so my file was not as important. My buyer was put on hold for 13 months. He really wanted that house because his brother lived next door. I was in constant contact with CitiMortgage and did everything they asked for promptly. An appraisal they requested listed much false information ( wrong county, wrong information about my house ) which I caught. I asked that it be corrected which took several months and phone calls. Then I was told that CitiMortgage hired new workers and they had to go to training. More months went by. CitiMortgage sold my pap ers to  XXXX   XXXX  Mortga ge   ( Loan No   XXXX   ).   XXXX  Mortgage wanted me to start the process all over again. After 13  months of waiting on CitiMortgage, I was forced to file bankruptcy. Meanwhile, CitiMortgage continued to charge me interest on my house loan for 13 months when it should have only taken 3 months for a short-sale approval. My realtor and mortgage lender for my buyer are furious!!! Several months into the process CitiMortgage 's representative warned me that it could take several months longer if I insisted that this be handled through attorneys. So I waited it out.    It appears that they made money by making my life miserable, along with my buyer, his mortgage lender, and my realtor.   After  XXXX  Mortgage asked me to start the process over, I could n't do it emotionally or financially. My house is now in foreclosure and I have filed bankruptcy. The amount  XXXX  Mortgage attorneys say I owe is {$81000.00}, which is severa l thousand dollars more than it should have been. I take the financial hit, my realtor has over a year of wasted time with no money received for her work, my buyer has no house after waiting for 13 months, and his lender has wasted time without any punishment for CitiMortgage. Incredible!    Who can make this better? Who has the power to punish the big companies?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (TX).
Issue: Trouble during payment process

Complaint: I used to pay {$2000.00} on a {$500.00} payment. They kept putting additional monies to a suspense account until I got the next bill. Then I had to call and complain. All extra overpayment should be applied to principle. Trying to pay off account Sent a check they would n't take it and it 's the same bank they deal with. So much more. Call for more information

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 01-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX I had a phone with XXXX. They were bought out by XXXX wireless. My phone bill was always paid on time. when XXXX got the XXXX company my bill doubled. I went to the local XXXX store and disputed the amount. They could n't explain the charges just said it 's on the bill I would have to pay the charges. So I wrote them a letter cancelling my phone account. I was paying my bill a month I advance. This is always a practice when first getting a cell phone. You paid your deposit and the first month bill. My bill was the same every month based on the package I had purchased. Their was no data charges at this time, just roaming and I had unlimited roaming. I was current until I got that bill, which mean I was already paid up if I no longer used the phone. The other charges that was on that account they were charging me for was not mine. I told them that at that time when I disputed the charges. 
XXXX sold that account to Midland Funding LLC. who is now on my credit report. They are trying to collect a faulty debt through deception. XXXX did not give them all the evidence. Midland Funding LLC never did the basic check to determine weather I actually owe the debt. Midland Funding never sent me a copy of what XXXX had sold to them, so I could look it over. Mid Land Funding LLC just started trying to collect a allegedly debt. I did not know Midland Funding LLC was on my credit report until I reviewed it in XXXX/XXXX/XXXX. Information Midland Funding LLC reported to credit bureau, was Date open XXXX and XXXX XXXX with a balance of {$970.00}. Midland Funding LLC then reported again to the credit bureau on XXXX. This is I checked my credit report, I think they are trying to hurt my credit score and scare me into paying that bill. When I disputed this account back in XXXX the amount we was discussing was not near {$970.00}. In XXXX of XXXX the Consumer Finance Protection Bureau found XXXX guilty of third party billing ( cramming ) as far back as XXXX. On XXXX of XXXX, XXXX the Consumer Finance Protection Bureau found a collection agency XXXX for collecting millions taking consumers to court for the same practice. The Courts and the Consumer Finance Protection Bureau warned companies should think about liability. Because firms are in their names, filing and trying to collect things that are not accurate. I do n't even know this company and have never agreed to do business with them. I just started receiving bills from them this year. It only had the original Creditor name on it and the amount along with there information where to mail payment. It says we ca n't sue because of the age of the debt, but they will keep reporting it to the credit reporting agency as unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loan repayment is extremely high with high interest rates. Repaying the loan is difficult with my salary I am currently collecting. Trying to talk to them to lower my monthly payments is a struggle, and forbearance actually hurt me when I tried it once. They still charged me after I fell behind on my loans and needed assistance by placing me in a forbearance for XXXX months, where I still paid close to {$500.00} per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had an vacant land mortgage loan with XXXX Bank which opened XX/XX/XXXX. 
I was never late until they bankrupt in XX/XX/XXXX and than during 2 year extensionuntil XX/XX/XXXX. Loan payments was {$220.00} and have told my mortgage sold and becamemature. All due about {$37000.00}. I could n't pay off. I have told " you will hear fromfrom us. Your account has been closed. We will returning your payments ". 
XX/XX/XXXX I have served foreclosure papers. They never took any action but just XXXX court filings. Around that time they start informing credit bureaus as a lalate with ( F ). They chanced bank name to XXXX and deleted all good paying paid history. So my score dropped from XXXX-XXXX to XXXX-XXXX with Open ( F ) andlate payments. Now account closed but showing XXXX late payments. XXXX pointsdown to XXXX-XXXX. I am disputing with credit bureaus to delete late paymentsbecause if I ca n't make my payments to my closed account " how could belate if account do n't except payments? Balance could go up but you can'tpunish me with saying late. XXXX and XXXX did not delete butXXXX corrected. Still playing with their rules for delete. Maybe oneday I can scoreXXXX points more than bankrupt person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was left a message by a " courier company '' about documents that supposedly had been left at an office and I need to call about. or they were going to call for legal action. If I did n't contact them by end of the day, they would come to my work or home. When I called, I got a mediation company, who then said they were transferring me to some legal firm. The person mumbled a name and when I asked him again, he would n't repeat it. I was then sent to some kind of a legal specialist..that was the XXXX person I talked to. They said it was too late to do anything, they were filing papers to take me to court, that I was more valuable that way. They said it was a debt from a credit card not paid on, and it was too old to dispute it, so I had to pay today, and agree to give them money. I could n't even get a clear idea of what they wanted from me, then they said I needed to authorize an amount to give them and give them a credit card number or check number. Still unclear of what the debt was or proof that it was me, said they were recording me and I had to swear under oath to give them this money. Then another person came on the line, saying I had to agree to the money right now, then the whole conversation went nasty. Started calling me names, told me I was a piece of XXXX, said they were coming to my home, belittled me for the way I lived my life, started reading off information about my children and how pathetic I was to have debt and how I was no good. He started screaming at me when I would n't give him any money information, kept saying how they were going to take away anything I had and freeze all my accounts, then said if I did n't agree to pay him now, I would end up in court and said I was more valuable that way..he would n't stop calling me names. He kept coming up with different numbers to pay him, and kept taunting me to make an offer that it was recorded and that I was swearing to pay that amount. I was given no ID, no full name, I do n't even know this was for me. I finally got him to admit someone had bought this debt and he was trying to get money for it, and said I was garbage for not being responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did have a XXXX account ( XXXX? ) but when the store closed in our area XX/XX/XXXX, I paid off my account and closed it. I JUST got a letter from Midland Credit Management XXXX XXXX XXXX XXXX saying that this account was " charged off as an unpaid delinquent debt on XXXX '' but Midland wants me to pay them {$370.00}! I do not owe this money and asked the credit agencies XXXX to remove this from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Making/receiving payments, sending money

Complaint: I received a mobile transfer from a XXXX XXXX account holder, on XXXX/XXXX/2016, for the amount of {$180.00}. I received a text from Bank of America with a confirmation number and a message saying it would be credited to my account. It has not been credited to my account as of XXXX/XXXX/2016. I have called Bank of America on XXXX/XXXX/2016 and XXXX/XXXX/2016, and visited in person on XXXX/XXXX/2016. I have spoken with a total of XXXX Bank of American representatives, going on a total of 5 hours talk time. Bank of America keeps telling me that only XXXX can resolve the issue by submitting a claim, while XXXX keeps telling me that only Bank of America can resolve this issue. I can not keep running back and forth between the XXXX banks as each tells me only the other can resolve my issue. Bank of America has consistently refused to accept accountability or responsibility for what definitively appears to be an internal error. If both banks refuse to resolve this issue, Bank of America has essentially stolen {$180.00} from me, and refuses to return it.

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 07/29/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I leased a vehicle from XXXX, my wife decided she wanted a different car, ( bigger ). I returned to Reedmans and asked what can be done? I was returning the lease 9 months early ( XXXX of 2017 ). The salesman stated that they would have to do an inspection of the vehicle first before anything else. After the inspection the salesman stated we are good to go, I do not owe anything on the lease. We then proceed to fiance a different vehicle. XXXX 2017 I received a call from Chrysler Capital ( XX/XX/XXXX. ), ( the company that XXXX used for the lease ), and stated I owe them {$690.00} dollars for wear and tear and they sent me the bill. I did not receive a bill from them. They stated I could make the payment right over the phone and I informed them I will not pay. XXXX did the inspection and said I owe nothing. They then stated they will send out another bill and I would have to negotiate with XXXX. I informed the person on the phone that that was already done when they did the inspection. They stated they will not contact XXXX for any payment. I called XXXX twice, both times leaving messages, explaining the issue in detail. I have not received any call back. I sent an email explaining the issue in detail. I have not received any response. I want this issue resolved, I do not want it affecting my credit. I believe I am being scammed by both of these companies and something needs to be done about it. {$690.00} dollars may be peanuts to these XXXX dollar companies but to me and my family its a large amount!

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: Initially, photocopies of written letters, return registered receipts and receipts from the US Postal Service were provided to Santander Consumer USA as evidence the service contracts were canceled timely ( within the first 30 days ) of the purchase of new car from the XXXX dealership. Santander Consumer USA acknowledged [ written correspondence ] credits were not appropriately applied to car loan for service contracts and advised the credits and the accrued interest would be applied to the outstanding loan balance. As of XXXX/XXXX/2016, the credits and outstanding interest was never applied to the loan nor separate credits issued since the car loan was paid in full. Instead, Santander Consumer USA has chosen to report 60 days late payments to the XXXX credit reporting bureaus. 
I can provide sufficient evidence to support my complaint ( letter from Santander Consumer USA and payment history ). Please note : Santander payment history does not show that credits were ever applied to my car loan. Why are late payments reported to the XXXX major credit bureaus when Santander Consumer USA failed to apply the credits?

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with CITIBANK, N.A. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They would call three times a day for a month after I submitted {$100.00} towards the account. 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 01/20/2017 about Debt collection (Medical) with Io, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have no idea of the collection accounts

Company response to consumer: Closed
Consumer complaint received 11/21/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: For two months ( starting XX/XX/XXXX ) I have had a company titled XXXX XXXX XXXX call 2 to 5 times a day. Once I finally spoke with a representative, he informed me that I would be sued for a Citibank credit card collection from 7+ years ago. He would not provide me with any account information, aggressively claimed I was rude for asking about account details, and would not provide the lawyer 's name. The phone number for this company is ( XXXX ) XXXX, but I can not find any business information on them. 

Now today ( XXXX XXXX, XXXX ), I was contacted by XXXX XXXX, XXXX XXXX identified it as a mediation to determine my address for service of court documents. When I inquired on the account information, he provided that I owed {$660.00} to XXXX XXXX, but XXXX XXXX is suing for {$3800.00}. He also claimed that this was 378 % of the amount owed ; which the math does n't work out {$660.00} x XXXX = {$2500.00} ... so legal fees are {$1300.00}? He was willing to provide a mailing address : XXXX XXXX XXXX, XXXX, NJ XXXX and the phone is ( XXXX ) XXXX. 

This Citibank account has been off my credit for years, but I am concerned that this is a scam. I have not received any written communication regarding this Citibank account. While both phone numbers are in California, I can not locate any business information on either. Nor can I locate XXXX XXXX. When I inquired about that company, I was told by XXXX XXXX that I had to do the foot work on it.

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 05-03-2017 about Debt collection (Mortgage debt) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have had my mortgage loan with PennyMac since  XXXX  or  XXXX   XXXX  ( after transferred from the originating loan company  ) and know about calls when accounts are past due. On several occasions I requested no calls to my w ork and not to call my cell phone unless my account is over 30 days past due. I had been receiving calls on my cell phone and on approximately  XXXX   XXXX ,  XXXX , I received a call from a representative and advised that I had requested no calls on my cell phone and there are no other numbers to call me on ( including my work number ). I received an email forwarded between two departments at my job on  XXXX   XXXX ,  XXXX , stating, " For your handling. '' The forwarded email was from a voicemail left stating this was in reference to my home loan. The attachment is only the screen shot of how the voicemail was transcribed. The voicemail is from an actual person, not a recording. The voicemail was attached in the original email.     I have repeatedly told several reps on different occasions not to call me at work and I received this forwarded message and voicemail. My application with the company has my direct extension for messages such as this. I believe this violates FDCPA with third-party disclosure since the message was in reference to my home loan and not left on my direct voicemail, that identifies me by first and last name.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XXXX XXXX 2017 I received an offer from Citibank for an AAdvantage Platinum Select World MasterCard which included XXXX bonus AA miles for spending  {$4000.00} in the first 4 months. When I applied, I was given a different offer which required spending {$3000.00} in the first 3 months. When I called about this, the CSR told me I was eligible for the bonus miles on the card which was approved. Now I have met the spending requirements, and Citibank is refusing to make good on their offer.

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