milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: It has been reported to the credit agencies by Citibank that we have missed mortgage payments and are delinquent. The reporting of this information by Citibank is an error and is false. As a victim XXXX we were told by Citibank that we were eligible for a forbearance on our mortgage payment. We were informed that the excused mortgage payments would be added onto the end of the loan. At the end of the forbearance, we started to make regular scheduled payments. Shortly thereafter, we received notification from Citibank that the entire balance for the months of the forbearance were due in full. When we called, we were told by Citibank that the information we received regarding the repayment of the forbearance amount was incorrect. Citibank stated that this was the result of inaccurate and misinformation being administered by customer service because of the unique situation regarding XXXX XXXX. Citibank further stated that in their effort to administer aid to XXXX victims as quickly as possible customer service was not fully knowledgeable of what procedures regarding forbearances were permitted. 

As a result, every mortgage payment we made was being applied to the payments due during the forbearance period thereby making our current payments appear late. We have been trying amicably to resolve this issue and have spoken to countless customer service reps, supervisors and have even written to the office of the President, to no avail. Even after sending us two separate letters stating that they would repair our credit, CitiMortgage has failed to rectify this matter. This has been going on since 2012 and our credit reports appear as if we have missed numerous payments. This is not possible because the forbearance was only for XXXX months and when it was over we started making payments and have continued to do so to date. As of XXXX 2014, Citibank sold our loan to XXXX and the misinformation and negative reporting has been continued by XXXX. We were with Citibank for close to XXXX years and never missed a mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: We have been with Comenity Bank Total Rewards Visa since XXXX 2017. In 30+ years of managing our credit cards, I have always paid off our balance every month and have always allowed ample time ( 8-10 days ) for mail to reach its destination and never had late payment issues. I recently noticed interest charge on the statements so I called to find out what happened. On X/X/17, I spoke with XXXX ID # XXXX. He explained to me that although I paid off the balance on the statement, Comenity Bank Card charges interest on the charges that incurred after the statement cycle. And in order to avoid the interest charges, we need pay off the entire balance on the account ( not on the monthly invoice they sent me ). I need to call them to get my most current balance and pay that balance in order to avoid interest charge. I have used credit card for 30+ years and this is the first time I encounter this type of credit card interest charge. I reviewed the back of the statement and under Paying Interest, it states We will not charge you interest on purchases if you pay your entire balance by the due date each month. So I called on X/X/17 again and spoke with a Resolution Specialist named XXXX ID # XXXX. He now told me that XXXX was incorrect. XXXX said the interest charge was incurred because my payment was late. I know this is an erroneous excuse because he needs to place the blame on me in order to justify the charges. I then question him why the stories are different between him and XXXX. He would not reply. Comenity Bank is deceivingly charging fees to consumers who pay balance in full by making up erroneous rules and accusing customers of being late on payments. Posting payment is controlled by Comenity Bank Credit Card Accounts Receivable Department. 8-10 days of mail delivery is more than sufficient for any honest business operation/practice. I do not believe 20 days of mailing time would make a difference. This seems to be a tactic for Comenity Bank to make additional revenue. And it is the only way they are able to extract money out of good customers who pays in full and on time. Comenity Bank is operating an unethical practice and fraudulently charging consumers with erroneous fees. 95 % of the BBB reviews are negative against Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice in the mail from credit protection association l.p. about an account that I do n't currently hold with this company.. I recently contacted the company to about the debt.. I spoke with an agent name XXXX XXXX was rude, disrespectful and I was threatened several times.. XXXX referred to the company as his. I could never get a word in without him being rude and Disrespectful to me.. I immediately got upset with him, and cussed him ... I hung up with him and I got another agent who was a little better but had very little knowledge of his job as well..I asked to speak with a manager, after 10 minutes of being put on hold, I hung up because the manager never came nor did the agent check back in to let me know what was going on ... I have never experienced such rude customer service while trying to communicate with a company..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My vehicle was repossed at 17 days with out notice. When I finally located my car I called with confirmation of payment and I was informed there system was down because the system was down I could no retrieve my car. I had to wait until Monday there system was working I had to pay more storage fees and drive over two hours away to pick up the car from an auction lot. The finance company refused to work with me on removing the reposition from my credit as a sign of good faith since I have been making my payments on time and also there was the issue with the computer system please is there anything that could be done I 'm trying to rebuild my credit and this is causing a lot of problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Wells Fargo claims I took an auto loan in 2011. I did not. Wells Fargo has refused to send a copy of this alleged loan agreement. I know nothing about this alleged loan. Wells Fargo has repeatedly given me a run around. I have no idea what kind of a vehicle I allegedly bought or from which dealer I supposedly bought it from. 

This is clearly identity theft, if this loan even exists. Any signature would not be mine and would be a forgery. Wells Fargo wants me show a police report. How can I file a police report if Wells Fargo refuses to give me a copy of the loan papers? They seem to be keeping me in the dark on purpose. Wells Fargo has created false accounts before as is well known. 

I want a copy of this alleged loan or have this defamatory information removed from my 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 non-monetary relief
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Signed up for Citigold XXXX bonus back last year. The fine print of the promotion stated that XXXX points would be credited to my account if I met the qualifications. I opened the account, completed the requirements ( {$1000.00} debit spend, XXXX bill pays, etc. ) and confirmed on the phone with an agent that my account would soon be credited. 

Several months later I still had not received anything from Citi, despite having completed the promotional requirements and confirming over the phone with the agent that I had done so. Another phone call to Citi resulted in an agent once again telling me that I had completed the requirements and the points should post. 

After another month of no points, I was getting very frustrated. The bank account was $ XXXX/month, more than I would normally spend on a bank account, but the promotion and the benefits made it worth it. After calling in for a 3rd time to confirm, I was told that there were no past communications or points that were coming my way. Extremely frustrating since representatives from the same number told me otherwise. 

I recently closed the account, which actually resulted in the institution downgrading me to the basic account, and charging me $ XXXX/mo + {$34.00} overdraft fee since I emptied the account when calling in to initially close it. I am incredibly frustrated and have spent so much time and effort speaking with representatives and moving money around.

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
Consumer complaint received 04/19/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Closing/Cancelling account

Complaint: On XXXX/XXXX/2016 contacted HSBC Bank to register Credit Card for online access to pay bills. Was advised they could n't do it and to call a different number. I had them transfer me and was advised that the account had been closed and that I was classified as " deceased ''. They told me I had to go into a branch location with ID to verify identity. I went to the HSBC Branch In XXXX, MD @ XXXX XXXX XXXX XXXX, XXXX, MD XXXX. They took photocopies of my ID 's and said that there was nothing they could do at the present time and had to be worked on in house. They said someone at HSBC made an error but gave no time table or additional info regarding resolution. The personal I was dealing with at the bank said, " we are waiting for a copy of the death certificate. '' They did not provide any details as to why I was identified as deceased said I could not pay my bill over the phone or online because it 's currently in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IN).
Issue: Struggling to pay mortgage

Complaint: My USDA mortgage loan is currently serviced by Carrington Mortgage Services ( CMS ). CMS claims that the total amount past due is {$14000.00}. The alleged claim is for 14 payments. CMS alleges that {$3400.00} were transferred in late fees from XXXX. XXXX has advised there were no late fees compiled when the loan was transferred in XX/XX/XXXX. CMS is clearly trying to over collect on the amount due, so they can push the bill to the USDA for payment. I have also applied for a loan modification on numerous occasions and CMS has refused to submit the modification requests for underwriting to the USDA. Since the USDA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the USDA is unaware of the partial claim, they were clearly in the dark on the loan modification process. CMS is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. CMS also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. CMS has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had an automatic payment checking ( XXXX ) account that I closed months ago. I have used this account to pay ALL my bills including OCWEN. As it turns out, OCWEN is the only company I am having a problem with since I closed my checking account. OCWEN computer software is outdated. It keeps trying to collect my mortgage payments even though my checking account has been closed for months. They keep charging me late fees even though I am making payments from a different account ON TIME. In fact, I can not longer make payments through their system since my account has been " late '' so many times. Because of this, I am now mandated to make payments in certified funds ... which I also have to paid extra fees! I am a very busy professional with a challenging schedule and these events are really creating a large amount of pain and suffering. All of these due to their incompetence and inability to solve the problem even though I have called several times!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (I do not know) with GC Services Limited Partnership (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled my XXXX credit report and found XXXX hard inquiries on it that are affecting my score which were NOT authorized. Both inquiries are from GC Services and show business type as " other collection agencies ''. XXXX inquiry is from XXXX XXXX, 2014 and the other is from XXXX XXXX, 2014. I did not apply for any credit through GC Services and did not authorize this. As a collection agency, a soft pull would have been appropriate which would not affect my credit score. I had no further dealings with this collection agency. I request that these hard inquiries be immediately removed from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Problems caused by my funds being low

Complaint: i would like to pay ONLY what is owed and my legitimate charges. i would like an itemized list of charges and overdraft fees need to be deleted. im a single mother and i dont have much money. i really want to fix my account with XXXX and Suntrust never fully resolved account issues before closing the account and assessing unfair fees. i had duplicate charges from XXXX ( suntrust account was linked to XXXX ) i went into the XXXX XXXX, md banking center to resolve. the branch manager told me she would resolve but did not. i have many over draft fees on the account even after XXXX faxed in a letter stating the error. this is not in collections and needs to be resolved. i will pay whats owed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been with Ditech for a couple of years. In XX/XX/XXXX, we submitted papers to loss mitigation to lower our payment. We then found out certain documents were missing. We then resubmitted in XX/XX/XXXX. Every time we would speak with a different representative, then get different information. We would submit a document they needed then not hear from them, then I would call to make sure everything was fine then they would need something else. It is now XXXX XXXX, 2016 and I can not get a representative on the phone. We have called for two weeks and when I say representative it switches to that extension then says I have read an invalid number. So I have sent three emails to ditech explaining I cant get a person on the phone so that I can ensure my paper work is fine. Their response is to call the same XXXX number. Which I in turn do and still the same recording occurs. I have also called the department of ditech that is taking loans so that I could speak with a live person- after speaking with them they switch me to correct department and the same thing happens ... .you have reached an invalid extension. No one from the company calls my house, cell phone or work. I can not reach a person to speak with about my account. It is the most bizarre experience I have ever had. Plaese help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I received a call from ERC ( collection debts company ) from the number XXXX at XXXX, they said I owe {$92.00} to XXXX and they are there to collect it. They asked me for addess confirmation, they knew my address, and also the social. When I asked what does ERC do, the lady heng up. I called twice trying to gather more information, two more guys spoken with me but it was rude and they heng me up when I stated I payed everything to XXXX by 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Debt collection (Medical) with JDJ Investments, INC. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of Hipaa. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a Hipaa Violation letter to these reporting collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My husband passed away XXXX/XXXX/2014. The mortgage is in his name. We never had a reason to contact NationStar Mortgage Co. when they purchased our loan from our previous lender. Now that my husband has passed away, I have the deed placed in my name but can not assume the mortgage because I am not an authorized person to speak with the mortgage company. They have increase my mortgage and will not explain anything to me. I have been making payments since the death of my spouse. I received a letter from Nationstar stating my mortgage would increase if I did not pay the additional {$870.00} needed for escrow. I paid it, but they still increased my monthly payment. I went to probate court who explained the process to get the deed into my name, also explain there was no quick deed required for a death of ones spouse. I just need the mortgage company to explain the increase in the house payment and know what is needed to assume the mortgage and try to get a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Credit card) with R.A.Rogers, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: From my credit report : In XXXX, XXXX XXXX charged off the credit card account balance ( XXXX ). In XXXX, 2 years later, R A Rogers, INC collection consultants purchased the bad debt from XXXX XXXX. Currently, both parties are reporting on my credit report, being penalized twice for the same debt. Additionally, I have never received communications from Rogers Inc. in relation to the purchase of bad debt or the notice of right to dispute. Is there not a statute of limitation on when the debt can be sold/purchased? Is there something in FCRA, FDCPA, UDAAP that states it can not be reported twice on the same credit report? It seems unfair to be penalized twice through credit bureau reporting. Something does n't feel right with this process. It is damaging my credit history and it needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX XXXX, we were shocked to hear that our car insurance premiums were being increased because of our credit score. Putting aside the ludicrous fact that a credit score could impact car insurance ; we immediately reviewed our credit report. Amidst our 40 plus years of stellar credit involving mortgages, home equity and auto loans, credit cards - all paid perfectly, we found a past due owed XXXX. The original invoice clearly showed correct shipping, billing address, and phone number. XXXX also had our correct email that they used for daily marketing. Despite this, we never received notification of amount due. We immediately contacted XXXX and paid for our items in full ( {$100.00} ). We declined to pay any late fees - again refering to our order which clearly shows all of our correct information. XXXX billing department stated that they were totally separate from the order department - they were sending the bills to an address several years old. In XXXX, XXXX we received a " Notice of Collection and Special Offer '' from XXXX. We supplied all documentation - again, disputing the idea that we owed any late fees. Our credit score has been severely impacted - a charge off for {$380.00} in late fees still remains listed on our credit reports. This is the only blot in decades of credit history including mortgages, home equity and auto loans, credit cards. We have spent many hours sending documentation to the XXXX credit bureaus ... the only evidence of this effort is the comment " Completed investigation of FCRA dispute consumer disagrees. '' Before this episode, our credit score was XXXX ... it has been reduced to XXXX. We have a paid off mortgage, no car loan, XXXX credit card paid monthly, healthy savings and investments, and solid history of paying all bills in a timely manner.

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