milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/28/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Following a 2 year long battle with Citimortgage where they attempted to foreclose on me 3 times and actually refused payments to ensure that would occur -- I finally found a workable solution with the assistance of Legal Aid in Oklahoma. One of the main issues was to ensure the new note and subsequent payment would be feasible given our income. We are both XXXX in the XXXX state ( OK ) for XXXX nationally so our income is low but stable. The final loan included years of ( and XXXX of dollars in ) illegitimate delinquency and foreclosure fees and basically resulted in us being underwater with no chance of ever catching up. The payment was set at $ XXXX which we have paid in full for the past 12 months on time. I received a letter today stating the escrow account was deficient and our new house payment would jump over 40 % to {$1000.00}! I was NEVER given any warning or notice from Citimortgage that after just one year of on time payments with the new XXXX loan for a house I bought for XXXX in 2002 -- My payment would skyrocket to a level we can not afford. In fact one of the main reason for delaying the workout process was ensuring we could afford the payments and now, a year later, we have been asked to pay over {$300.00} more every month for a home we have long outgrown. We are trying desperately to fix our credit and pay off debts to make a better life XXXX XXXX kids and between the {$120.00} XXXX in student loans I have and this new mortgage surprise- I fear this home and more specifically- Citimortgage -- may have cost me my chance at the American Dream- I feel hopeless- we fought so hard and for so long to not be foreclosed on and now to be forced into such a price increase with no warning at all increases greatly the odds of us falling back into default. Can someone please help us fight the XXXX that is our mortgage company -- I ca n't do it alone anymore.

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 07-08-2016 about Payday loan () with BlueChip Financial (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a Spot Loan in XXXX XXXX. The loan amount was {$800.00}. I received a payment schedule detailing that the loan would be completed in XXXX XXXX, XXXX. Looking at my online account balance I still show {$610.00}. My " scheduled '' last payment is on XXXX XXXX and I 'm not even close to paying out this loan. 

I sent an email to Spot Loan for a copy of the terms and conditions of my loan and have yet to get a response. In my opinion, I have already paid more than the loan principle plus the interest. According to the payment schedule, I have already paid {$2100.00} in interest and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Student loan (Non-federal student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a co signer of a loan, for father of student borrower. The private loan company XXXX gives me little information to ensure loan is paid. A payment was posted but when the funds were checked and not available they only email the borrower or notify them of the non payment. I go on my merry way assuming the payment has been made on time until I get a collection call. I asked to get on the email list but they said no. I also get no access to borrower address to ensure it is correct. The system is rigged to only allow borrow know of bad info when that person is not responsible enough to take out a loan by themselves so why would the co borrower not have access to that info?

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Consumer Loan (Vehicle loan) with Ditech Financial LLC (NY).
Issue: Managing the loan or lease

Complaint: I purchased motorcycle in 1997 paid the loan in full and never received a lien release now selling motorcycle and do not have a clean title

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Midland c redit management is trying to collect on a debt they bought from  XXXX . I h ave sent 2 certified letters to midland asking them to provide proof that this debt is valid proof being a c ontract bearing my signature ( which does not exist ) each and every time midland sends me a letter stating the debt is valid which it is not as  you recall Midland h as previously been found to be illegally collecting on debt that the consumer does not owe on. This again is the case here. Perhaps if they spent more time investigating these items instead of looking for instant profits they would do themselves a great service. As of today I have not been provided me with a contract bearing my signature which is the only form of validation acceptable under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This compnay started to contact me a couple years back saying i owe on multiple debts that I do not recall. I have sent them ans the credit agencys mutiple validation letters requestion proff these are my accounts. They havent showed me proof at all. they keep sendinf summarys of these accounts. they havent showed my the contracts for thr origanal debt or any significant proof i am assocaited with these 3 collections. I will like these accounts to removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (MO).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: On XXXX XXXX XXXX I cosign for my sister a car in which later me and her had a problem getting on the same page about the car and insurance and payment in which I made the decision to take the car back to the dealership to have them take me off the loan or take the car back. I spoke to the finance manager XXXX XXXX on friday XXXX XXXX 2017 in which i had the car with me to return it was at XXXX which she stated that the finance place that she went threw was closed and said that she will reach out to me on XXXX at XXXX in which she didnt so around XXXX when i got off work i went back to the dealership which is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Mo. XXXX and spoke to XXXX XXXX again and she said when she got to work this morning and said they said it was to late the loan has been sent already. I ask for the number to call and speak to them and she did so I called and talk to an rep name XXXX in which she stated that she couldnt give me here last name i said ok i gave here my name and social to look up the account she said that there was not an account yet because it takes up to 30-45 days i told her that i was trying to return the car because I didnt want my name on the car because of personal reason she then stated that the dealership can do that since there is no loan yet so I had them page XXXX again told her what the young lady said she said that they dont know what they are talking about and there is nothing that she can do and i told here that she can and she said there is not so i decided to take the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (Medical) with DCS Financial, Inc. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Diversified Creditors Services in XXXX, WA has consistently called me at work and my cell phone. They give the mini miranda when calling my place of employment so now they have shared knowledge of collection of a debt with my employer. I also have never received a validation of this debt, just numerous phone calls. I did attempt to call them and they did n't even verify that it was me on the phone. They asked my name, that was all. When I said that I did n't think they were allowed to call me at work the debt collector disconnected the phone call. Based on them calling my employer, not validated any debt and not verifying who i am when discussing a debt I 'm think of getting legal counsel regarding consumer harm.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed information on my report and am unable to validate this information because Equifax has not provided the correct address for these accounts on my credit report. Attached copy of my credit report shows the address they provided. Also attached is a copy of the letter I sent to this account attempting to validate this debt. The letter has been 'returned to sender ' so I am unable to confirm this account is actually mine.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Telerecovery Corporation (LA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: i have several collections for services i never received or authorized. from the   XXXX   XXXX   XXXX   for {$830.00},   XXXX   XXXX   for {$6600.00}, {$1400.00}. also, tele recovery for {$130.00} and i never signed or authorized any of these charges. Also child support is showing {$8200.00} and i never went to court and proved any paternity or took any blood test to prove myn relations. would you please assist me in removing these unauthorized accounts. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have contacted Transition and XXXX. I asked them repeatedly to validate the debt by providing the third party who supplied the information concerning my state tax lien. I ask that they verify with the courts my name, address, date of birth, social security number, status, date of last activity, and the amount. I am confident that their entity did not investigate the matter with any court because I have visited the courts in my county and not one has any evidence anyone has appeared in person and requested my information. Each instance they responded by stating the debt is valid. I requested that they provide me with proof of their validation and they have refused. They are harming my way of life by negatively impacting my consumer report. I can not close on my house because of the information they keep reporting. I supplied information as they requested. However, they refuse to supply information I am requesting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I submitted a complaint about XXXX XXXX that has not removed the negative debit report on XXXX. I submitted the complaint on your website and the OMB # is : OMB # XXXX at the time I did n't have the account number but found it and here it is : XXXX XXXX this should not be shown since I have discharged my Chapter XXXX bankruptcy on XX/XX/2015 and XXXX was one of my creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midland Funding said they sent me proper notice, which they did not, I also sent a letter to them to see if we can work out some type of arrangements on this debt and no response. Each time I reach out to them it is no response. This alleged debt is damaging to my credit and I need it removed. They failed to validate the debt and they fail to respond to work out some type of payment arrangements so this can be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XXXX XXXX, 2017, $XXXX was transferred from my checking account with Wells Fargo without my authorization. The bank refuses to take responsibility for the unauthorized transaction and concluded that an investigation was not necessary. I have tried to resolve this with Wells Fargo, but have not been able to get anywhere with them.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to adequately protect my personal identifying information, then compounded the issue by failing to encrypt the data in a reasonable manner that would protect it in the event of a breach. This has led to an incredibly high likelihood that the necessary information to steal my identity has suffered a permanent exposure. 

After discovering the breach, Equifax ( XXXX XXXX, XXXX ) waited over a month to announce that the event had occurred ( XXXX XXXX, XXXX ), and then is requiring the affected consumers ( 143 million ) to jump through hoops in order to freeze their credit and protect themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with DISCOVER BANK (MN).
Issue: Other

Complaint: We accidentally overpaid our Discover bill by approximately {$15000.00}. We called more than a week ago and we were assured that a check would be sent to us in a day. After not receiving the check after about a week, we called and spoke with a customer service representation who assured us that the check had been mailed " that day ''. We doubted the veracity of this claim and asked to speak with a supervisor who said the check had not been mailed ( admitted that they had lied to us on two occasions ), and the could n't tell us when we could expect a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (WI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Elan Financial, I just discovered even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify their accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.

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 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I sent XXXX BITCOIN from my XXXX XXXX XXXX XXXX XXXX on XX/X/2017 at XXXX XXXX central time. I received notification from Coinbase via email that I received XXXX BITCOIN and that it should be available after 6 network confirmations. 

I have yet to receive my BITCOIN since I was notified on XX/X/2017 that my currency would be placed in my virtual wallet. According to XXXX, there is currently over 3218 confirmations on the block chain, which far exceeds the required 6 to confirm the transaction with Coinbase/XXXX. 

Please review this link : XXXX XXXX  XXXX I have sent approximately 20 emails to XXXX support and 20 emails to Coinbase support, one per day per each support service. I 've also made approximately 5 phone calls to live phone support at Coinbase and at XXXX. The most that anyone has been able to tell me is that my support ticket will be escalated to a specialized agent. An agent has not gotten back to me to resolve my problem. 

Enclosed are screen shots of my PENDING transaction. It is clear that I have gone through the requisite number of confirmations for the transaction to post in my XXXX/Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I filed Chapter XXXX Bankruptcy on XX/XX/XXXX to save my home and the criminal Attorneys informed the Court that I was late on my post-petition payments which is a lie, misrepresentation, and fraud on the Court. I made all my post-petition payments as agreed and the Chapter XXXX Trustee made all the pre-petition payments as agreed to XXXX XXXX XXXX, XXXX, acting as alleged Trustee, while Caliber Home Loans claims to be the Servicer, and acting as Attorney in fact. The XXXX Law Firm handling this failed to present the evidence to the Court at a hearing on XX/XX/XXXX. I spoke with XXXXaliber Home Loans directly, in both departments Customer Service, and the  Bankruptcy Department and they admitted that they make a mistake and would update the account and send me an updated payment history for post-petition payments and they have still not done so. I would like the CFPB to investigate and refer this fraud to the FBI immediately. They purposely hid all the payments made from the Court in order to lift the automatic stay and try to steal the home of my XXXX and XXXX year old parents and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Credit decision / Underwriting

Complaint: XXXXThis is my number which has the wrong bank name on it. I was never a customer of XXXX XXXX XXXX, that was my mother 's bank which I was writing about. 
Select Portfolio Servicing Inc. Account number XXXX is the bank at this moment. My home on their BPO is worth about XXXX. I have a deferred amount of XXXX, XXXX that is supposed to be paid back in 25 years. Which is not what I was told by XXXX on XX/XX/2014 This deferred amount was to be removed from the mortgage amount. XXXX, who had a suit won against them, sold my mortgage to XXXX who then sold it to Select Portfolio Servicing Inc . Somehow after speaking with XXXX, XXXX and Portfolio Inc. The documents for my deferred payment forgiven has been lost or somehow not attached to my file. The bank got a bail out and I am still stuck with a mortgage of XXXX and the house is worth only XXXX or less. Now Select Portfolio is saying I can get help through XXXX a new program that will give me XXXX to move. So why would I leave my home for XXXX when I have a mortgage payment of 2 %. If they are right they would remove the XXXX deferment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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: XXXX XXXX XXXX, account # XXXX is currently reporting on my credit report stating that I owe # XXXX. 

O XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX for {$520.00}. As of XXXX/XXXX/XXXX, the check has been cashed and through disputes XXXX XXXX XXXX and the credit bureaus fail to properly update that this account has a XXXX balance and was settled.

Company response to consumer: Closed with explanation