milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Due to a series of mistakes and/or misrepresentations made by Citibank employees in XXXX and XXXX, we were presented in XXXX XXXX with an unexpected balloon payment for our Home Equity Line of Credit ( HELOC ). Although we have been making the monthly payments on the HELOC, paying off the balloon payment would be a severe hardship. All we want, really, is the opportunity to continue making monthly payments. However, to date Citi 's employees have not found a way for us to do so. 

In XXXX, we got a HELOC with XXXX. It was set to have a balloon payment due after 15 years. That 's not the issue. The issue is what happened over the following 15 years. 
In XXXX, Citi bought the HELOC from XXXX, as well as our first mortgage from XXXX XXXX. In XXXX, we refinanced the first mortgage, with the understanding, from the Citi employee working with us ( XXXX XXXX, XXXXXXXXXXXX ) that the HELOC would be " replaced '' during the refinance. We were told that the terms of the " replaced '' HELOC would be 10 years as a credit line, followed by 20 years as a fixed-rate standard loan if any balance remained. 
However, contrary to what we were promised, the HELOC was not replaced in XXXX. Instead, it continued under the original XXXX terms. In XXXX, we refinanced our mortgage again. Again, we were told to " not worry about '' the HELOC. Again, it was left unchanged and remained under the initial XXXX terms. 
Someone at Citi failed to adjust ( " replace '' ) the HELOC under Citibank terms in both XXXX and XXXX. We would appreciate it if someone would investigate how it is possible ( allowable ) that our HELOC remained unchanged, and under XXXX terms, through XXXX Citibank refinance processes. 
In XXXX XXXX, we were told that we are in default on an unexpected balloon payment of {$68000.00}. This would be challenging to pay off under any circumstances, but, coincidentally, we are both currently unemployed. 
This interaction has become a comedy of errors and aggravation. We have dealt with at least a dozen Citi employees, none of whom appear to communicate with each other. Citi 's incoming telephone systems seem to be specifically designed to waste the customer 's time. 
Since XXXX XXXX, we have been attempting to work with the Recovery Department. We tried dealing with the " Executive Response '' team for a while, but were told that there was " nothing they could do '' and that they were the " top level of escalation ''. ( We sincerely hope that this is not the case! ) We could withdraw {$68000.00} from a retirement account ( with some tax penalties ), pay off the balloon payment, and move on. However, given that one or more Citibank employees is responsible for this problem occurring in the first place, we are still hoping that Citi can provide us with a better solution.

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 01-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My recent credit report have disputes I created through transunion in regard to XXXX derogatory marks listed in collections that are on my report. This information is inaccurate and suddenly appeared on my report with no knowledge. The accounts in my report that are considered to be in collections do not belong to me and or are payed off. I believe the negative information on my report is untrue and I want these derogatory marks removed from my report. I 'm unable to apply for loans, credit cards, etc because other businesses that pull my credit report are seeing a score displayed to them that is incorrect.

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 05-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We 've been making regular payments to our XXXX mortgage company but the payments have not been applied. They show on our statements as unapplied payments. The statements also show we are past due and this is being reported on our credit. We 've made several attempts to contact the lender, sent an email to their escalation dept but nothing is being done. Meanwhile our credit is being affected and we have close to {$1000.00} credit. How can a company accept payments, not apply them then place a negative report on the consumers credit? We were told by XXXX rep that the ARM was being reviewed but why are we being penalized? Please help us!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Medical debt) with Phoenix Financial Services LLC (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I have retained an attorney about this 5 year old DEBT. This is the 4th collection agency to contact me about this debt. This debt is highly disputed and i've proven I do not owe this already 3 times. I have sent this company a cease and desist letter. If anything is reported to my credit, I will take full legal action against both the XXXX XXXX and Phoenix Financial Services. I DISPUTE THE DEBT and DO NOT OWE IT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Debt collection (Payday loan) with CASHCALL, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They Call me at least XXXX times a day even, when i made a payment they wanted me to put a card on file for automatic debit. I refused to and told them that, but they continued to harass me anyway. They also call from numerous numbers from different states.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/2018, a letter was sent to Diversified Consultants via certified mail asking for validation of a debt they are reporting on my credit report. It has been over the 30 day request for this information and they have yet to respond. I am requesting that this negative information be deleted from my credit report as they have failed to provide this information and it is harming my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I contacted the collection agency by letter written on XX/XX/2018 to negotiate the debt they claim I owe them, try to negotiate the debt by paying a portion of XXXX it to be delete from my credit report until at the moment. I have not received any response about it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: there were several inquiries in my credit on XX/X/17 regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit

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 11/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A recent overview of my credit report revealed that Credit Management LP, had appeared on my credit file. So I sent notice to this company they validate the debt and send me a copy of the application that was used to open this account. No response back to the debt validation letter. Credit Management is continuing to report negative information on my credit report, even after they have failed to provide validation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Money transfer failed to credit account after 20 days. 

Transferred XXXX XXXX to XXXX XXXX on XXXX XXXX XXXX. 
The money was shown as received on the XXXX XXXX XXXX but the company has failed to credit my account as of XXXX XXXX XXXX. 
I have made numerous attempts to contact their customer support via their own web portal, email, social media, telephone and I have had no direct response. 
I have submitted numerous support requests and tickets and only received an automated response containing irrelevant information. 
The support case case ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX HAS FAILED TO ASSIST ME IN HELPING ME FROM DEFAULTING MY PRIVATE STUDENT LOAN. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO HELP BUT THEY KEEP INFORMING ME THAT I HAVE NO OTHER OPTIONS. I HAVE BEEN EXPERIENCING DEEP FINANCIAL HARDSHIP AND HAVE BEEN UNABLE TO AFFORD THE PAYMENT ON THE PRIVATE STUDENT LOAN. THERE HAS TO BE SOMETHING THAT THE FEDERAL GOVERNMENT CAN DO TO STEP IN AND HELP ME WITH THIS HORRENDOUS PRIVATE STUDENT LOAN THAT IS RUINING MY FAMILIES LIFE FINANCIALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: In XX/XX/XXXX of this year I submitted a dispute with all three credit reporting agencies regarding a questionable tradeline on my credit report. The account was XXXX XXXX and it showed as a charge off with different amounts reporting for each agency. I submitted requests for validation from each reporting agency as well as directly with XXXX XXXX. That request letter is attached to this complaint. Shortly thereafter, the tradeline was removed by XXXX as it could n't be validated. TransUnion however closed the dispute as " verified ''. On XX/XX/XXXX, I recieved the attached response from XXXX XXXX stating that the account had been sold and providing no validation. I sent a second request ( also attached ) on XX/XX/17, again demanding validation. XXXX XXXX responded on XX/XX/17 with the attached letter refusing to provide validation and stating that they already responded to the previous request would not be responding to any further requests. As is evidenced by the attachments, they did not provide any validation in either request. I am submitting this complaint against TRANSUNION because they clearly did not investigate this dispute per FCRA statutes as they claim. I have disputed this item and requested validation no less than 5 times in the past year and each time TRANSUNION simply closes the dispute as verified without providing any evidence of said verification. As shown by the letters from the information furnisher XXXX XXXX, no validation has been provided. Failure to perform thorough investigations into disputed information and continuning to report unvalidated accounts are willful violations of the FCRA. FCRA statute 623 clearly states that if an item of information disputed by a consumer can not be validated, that item must be deleted and permanently blocked from reporting. TransUnion remains the only CRA who has not complied with this law in regards to this account.I am asking the CFPBs assistance in enforcing the law and removing this account from my TransUnion 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 09/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I began an application for a mortgage with XXXX XXXX Bank. They utilized XXXX XXXX - XXXX OR ( XXXX ) for credit analysis. XXXX sent me their analysis which showed that Experian, on XXXX/XXXX/2015, reported adverse information about my credit, including : Ratio of Balance to limit on Bank Revolving or other Rev Accts too highToo many accounts with balancesToo Many accounts recently openedWhen I attempt to call Experian, or access their identified website, there is absolutely no means to inquire about the info or file a dispute. 
How should I proceed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted at my place of employment after telling this company not to contact me at all. Also I have disputed the validity of this debt a few times only to be told that it was on me to prove that it was n't valid. there has been no proof or validity provided to me. There was a time when this company would leave messages on my place of employments answering machine well before XXXX and after XXXX. Also I was called on my cell phone by a automatic robot saying there would be legal action taken If I did not call a certain number which turned out to be their number. This company and their parent company has been sues by the CFPB for illegal collection practices. There debt collection practices are illegal and violate my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: on X/XX/17 there was a landscaping company at my house. They had issues completing the landscaping per the design, and I asked them not to show up any more. They charged my USAA credit card in the amount of {$2200.00} and he advised me that he ( XXXX - the Superintentent on the project ) would just sign the iPad for me. I advised him he is not authorized to sign on my behalf. The credit card charge was processed, and charged to my account. When I asked USAA about the charge they opened a fraud case, they asked for a bunch of information, one of which being a quote from a landscaping company to resolve the issues. Its XX/XX/XXXX and we 're in the middle of landscaping season and all the landscapers are busy. I could n't get a quote done. While I was trying they closed the case and said that there was no " billing error '' that happened. When I called to inquire they advised me to submit a letter, and file a complaint here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was admitted to the Hospital on XXXX/XXXX/XXXX. I received a collection letter in XXXX XXXX for {$400.00} for XXXX from collection agency " CMRE Financial Services XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ''. I contacted the agency and told them the hospital had never heard of or had any relationship with this radiology company furthermore all services ( my co-pay ) were paid for before discharge and XXXX XXXX paid the balance in full. I have repeatedly ask for a bill over several months and never received XXXX. This is obviously a fraud and both the collection agency and XXXX are involved. CMRE has placed a collection on my credit and has caused my credit score to drop over XXXX points. We are in the process of obtaining a mortgage and is causing unnecessary cost as far as fees, mortgage rates and explanations. I have without a doubt shown CMRE that no such medical bill exist, but I am sure they already knew that. I need this corrected immediately to prevent extra thousands of dollars in my new mortgage.

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 11/27/2016 about Debt collection (Medical) with Bull City Financial Solutions, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt was paid by XXXX health care department. The debt was paid in full and was never my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing the following hard inquiries on all my credit reports to include XXXX and equifax. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EquifaxOPENXXXX XXXX XXXX XXXX, XXXX EquifaxXXXX XXXX XXXX XXXX XXXX XXXX, XXXX EquifaxXXXX XXXX XXXX XXXX, XXXX EquifaxI did voluntarily submit my info to XXXX XXXX XXXX for refinancing my XXXX chevy chevy cruz. I did not authorize any others above other than XXXX XXXX. Ialso am disputing all hard inquiries on all my credit reports with all bureaus with the exception of XXXX. that was my auto loan. I do want to dispute whyXXXX XXXX is on there more there more than once? Please look into thisas I do not know or have not authorized places like XXXX, XXXX, XXXX, etc to pull my credit. Me and my wife had to amend ourtaxes for tax year XXXX due to identity theft. I am a veteran of this countryand would like to see these stricken from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: CASE NUMBER XXXX STATUS??? WILLFULL FAILURE TO POST PAYMENTS AS MADE. PRINCIPAL ONLY, plus monthly interest & principal. 
WHEN DOES OCWEN LOAN SERVICING , LLC have to REPLY??? 
Your letter said XXXX ago? 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Making/receiving payments, sending money

Complaint: Today, XXXX/XXXX/2017, I attempted to cash a check from my son-in-law made out to his mother, my wife at Bank of America, XXXX branch, XXXX, NC. Since my wife is not only XXXX but recently XXXX, she is rather XXXX. However, I have cashed 7-8 checks from him to us at the same location. I place our identification - Id/drivers license, both bank cards from the XXXX banks we do use, not Bank of America. They use the " California security screens '' which consist of 1 '' of bullet proof glass and a 3 '' opening to place your identification. I had placed her ID on the left side and my ID 's on the right side of the half-round tray. The Financial Center Operations Manager, XXXX, was starting to give her OK by initialing the check for cashing. As she stopped and reached for my ID, I reached over to push it up for her to reach. My ID and XXXX bank card fell down on the counter. I said excuse me. She suddenly stopped and said " NO ''. I asked her what was wrong as she replied, " I am not going to authorize it because you threw those cards at me! '' Remember this is the bank my step-son had written the check on and I have cashed his checks to us there several times before. XXXX started walking away and I called out and asked for her name. She said she was getting me a business card, which she did produce. 
I believe other people, potential customers and Bank of America officers should be aware of this women 's attitude and refusal to cash one of there own checks. I plan to make everyone I can aware of the XXXX service or bad attitude I encountered this morning. 
Being XXXX, I was XXXX, I am used to people being rude to me but I did not give this lady any reason to prejudge me and fly off the handle so quickly.

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 01/27/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (IL).
Issue: Other transaction problem

Complaint: I came into this location last night XX/XX/2018 to send an emergency money wire. there was a mistake made where the funds were sent as a pickup in Illinois instead of Nevada which was listed on the original form. My party was not able to pickup the finds in the time she needed them and she had to acquire the funds elsewhere. The western union store rep changed the pickup location but by the time my party had got the funds already. I called into Western union today to discuss the situation and was met with a rude foul representative that refused to refund the fees for sending the money claiming that the company did perform the services even though the finds were sent to the wrong state initially and my party was not able to refund the money. I informed the western union phone rep that i would no longer use western union services since they were stealing service fees from me at this point for services that were originally not performed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an agreement with this company to be on a hardship program. Part of this program I was allowed to make smaller payments for a certain amount of time. This company took money from my checking. This was to help me to get me back on my feet and not to damage or impact my credit.

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