milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX/XXXX/2014Honorable XXXX XXXX : Hello. I would like to speak with you about the Florida Hardest Hit program ( FHH ). 
Florida Hardest Hit program seemed at first to be for the benefit of those hardest hit by the mortgage crisis but, as I looked at the formula for qualification, I realized this was just another form of TARP. I filed for an appeal ; was referred up the chain of command till I came to the office of XXXX XXXX. I made several calls over several days, to XXXX office and I was disconnected ; put on hold for prolonged periods ; and told that I could not talk with her. I do not believe this to be the American way, and would like your help to ferret out the truth. 
" Truth will ultimately prevail where there are pains to bring it to light. '' -XXXX ( XXXX ) I have documentation to include email correspondence with the Florida Hardest Hit program to support, what I hope will be your attempt to verify this program. 
My hope is ; investigating the FHH program, will be good for you, me, and the Democratic Party.I have stopped by both your XXXX office and your XXXX XXXX offices to offer my support. Best of luck with your upcoming election. 
Sincerely, XXXX XXXX, XXXX XXXX : Hello. XXXX XXXX XXXX has referred me to you regarding my case. I have forwarded correspondence as background information for you. 
At this time I would like to register my feeling that without consideration of the individual 's down-payment, Florida 's Hardest Hit falls short of helping the people of Florida. 
Thank you for your time and consideration of my case. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: When I opened a new checking account with Citibank, they were unable to verify my external checking out through login. I was advised I would have to do trial deposits and that the initial funding would not go through. Later, after confirming the trial deposits and seeing no pending transfers, I initiated the initial funding through the external account in the amount of {$15000.00}. Later, Citi then initiated XXXX withdrawals of {$15000.00}. The second led to an NSF fee and I received an e-mail that they planned on re-initiating it. I called in and they promised they had canceled that attempt. The attempt did not appear on Citi 's website for me to cancel. However, Citi then initiated this transfer again, leading to another NSF fee from my external account. 

Additionally, due to issues in product integration, Citi conducts verification and sends out account information piecemeal. Citi refused to accept a signed affidavit as proof of identity/residence, insisting on utility bills that are n't in my name ( since I 'm a full-time student ). Then, Citi blamed me when the provider ( XXXX XXXX XXXX ) would not talk to them about the account. Moreover, Citi 's refusal to provide appropriate information and integrate verification meant that once I activated the debit card I was mailed, I was instantly blocked from online access since I had n't been provided a PIN and I had n't been provided my full bank account number yet ( I needed both to login ). Citi customer service could not provider or create either. This failure of integration meant that I did not have access to Citi online, including my unrelated and existing Credit Card ( Citi Double Cash ). I believe this denial of access to current balance, transactions, and previous statements based on a checking account is a violation of the Electronic Statements agreement between me and Citi and the XXXX XXXX. Even in the most liberal reading, the Electronic Statements agreement requires notice of termination of online access. 

I had upwards of 10 phone calls related to this issue and met with a Branch Manager. Finally, I was able to get a " Level II '' Supervisor from Citi who instructed me to call her direct line while in branch with a branch manager. I finally have access to view my online accounts while I wait for the New Accounts Team to process their request to unblock my account. I have not been able to get any resolution on receiving compensation for the overdrafts.

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 04/29/2016 about Payday loan () with NPS GROUP (WA).
Issue: Can't contact lender

Complaint: I have used this service in the past, it 's been at least over 3 years since I have used a payday loan and all of my loans were paid in FULL by the due dates. I have not been delinquent on any of my accounts. I have NO outstanding payday loans and have not for many years. My father, my sister, my daughter and myself, have been receiving 2-4 harrassing calls PER DAY from NPS. Its a recording that gives a claim number. When I call, the reps are very short, rude, and if asked any pressing questions, will simply hang up on you. They give me a dollar amount I am supposedly delinquent on, but will not give me specifics. I ask for them to send me the debt in writing so I can validate it. They say they will email it, I have yet to receive any documentation. Yet the harrassing phone calls daily to my family and myself continue.

Company response to consumer: Untimely response
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I sent a QWR to Seterus XXXX/XXXX/2017. They have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (MD).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: PNC bank intends to defraud its customers. This month I incurred 2 overdraft fees that were unreasonable. On XX/XX/XXXX at XXXX I handed my landlord a check for my rent. She called me to tell me that she had been busy and that she would mobile deposit the check that evening. That evening I signed up for a free trial of XXXX not aware that they would still charge my card {$1.00} ( apparently for verification purposes ). On XX/XX/XXXX I wake up to an overdraft fee. PNC is claiming that they processed my rent check and the {$1.00} in less than 12 hours. I emailed to try to get this unreasonable fee waived and was denied, the representative suggested that I keep some money my savings account to cover future overdrafts. Fast forward to XX/XX/XXXX. I was charged an overdraft fee for pizza that I purchased for my children totaling {$26.00}. I definitely did n't understand this charge because I had put {$50.00} in my savings account 2 weeks prior. When I called the PNC representative told me that my savings account had been closed a year prior. I asked several questions regarding the closure of the account or why the previous rep suggested that I put money into a closed account and she had no answers and was not able to waive the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Mortgage (Reverse mortgage) with GENERATION MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: About 6 years ago ... due to the fact that I am at poverty level ... I shopped around, carefully, for a reverse mortgage company so that I could continue to live in my home. I found Generation Mortgage out of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 

I went through the process of getting a reverse mortgate on my home with Generation. Everything was fine up until about a year ago when I was informed by mail that my account was being " handed over '' to another company ... XXXX XXXX, which also happens to be a debt collector, with an " F '' rating with the Better Business Bureau. 

Now, every time I have to conduct business over the phone with them, I have to hear the intimidating phrase " We have to inform you that we are a debt collector ''. Why do I have to hear that every time I conduct business regarding my reverse mortgage? 

My complaint : At no time during the reverse mortgage process was I informed by Generation that they either could or would turn my account over to another company that was not only also a debt collector, but that has an " F '' rating with the Better Business Bureau. It 's infuriating to have to deal with that " we 're a debt collector '' stuff ... and since I had no choice in the matter, I want to know what are my options. Can Generation Mortgage be forced to handle my account again?

How is it legal for an originating mortgage company to just hand over your account to another entity against your wishes or without your approval ... and without having informed you of that possibility beforehand? Had I been informed that this would or could happen, I would never have taken out the reverse mortgage with Generation. Not telling people that they might do this is, in my opinion, deceptive. 

Thanks,

Company response to consumer: Untimely response
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (WI).
Issue: Making/receiving payments, sending money

Complaint: Both Paypal & XXXX Bank failed to get a refund to me for a service ( educational, coaching, mentoring, " earning while learning offer '' from an on-line seller. The offer had a 100 percent " money back guarantee. '' Even-though the refund request was made within the designated 14 days ; neither the bank nor paypal has provided me with the refund. It 's been over sixty days and I have made numerous attempts and provided over 50 pages of supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently received a letter from portfolio recovery stating it is a response to a related complaint? really? sure its a response, BUT IT IS NOT VALID!!! PORTFOLIO HAS NOT ADDRESSED ONE ISSUE WITH CLARITY!! BECAUSE THEY CANT! THEY ARE CRIMINAL SCAMMERS AND I KNOW THIER GAME AND IM GOING TO EXPOSE IT RIGHT NOW!!! Portfolio is using tactics of deception, dishonesty, extortion, and defamation to collect an amount that was never owed to them they bought this information for pennies on the dollar. this is n't even a debt it is just some numbers that has already been discharged by the bank to my treasury direct account. it 's only a statement and it 's not a bill!!! there is a gross gross difference between the two words, if portfolio can send me a TRUE BILL AND CONTRACT which they ca n't because they know they ca n't!!! they must get out of my life because they are professional scammers and they rip people off and deceive people to steal their money which was never OWED!!!! on one letter is says " this is not an attempt to collect ''? really? then why are you using methode OF EXTORTION ON MY CREDIT REPORT?? YOU PEOPLE ARE SUCH XXXX LIARS!!! LIARS LIARS LIARS AND LIARS!!!!!!!!!!!!!!! PROVE TO ME A CONTRACT SHOWING MY OBLIGATION [ S ], AND HOW WILL YOU RESPOND AGAIN BY SENDING ME A LETTER SHOWING ME SOME NUMBERS THAT WAS ALREADY PAID?? ALL BANKS DISCHARGE AND CHARGE OFF DEBTS THROUGH EVERYONES TRUST ACCOUNT,!!!! THE UNITED STATES TREASURY PAYS THEM!! AND XXXX LIKE PORTFOLIO RECOVERY BUYS THE INFORMATION FOR PENNIES ON THE DOLLAR AND TRIES TO COLLECT THE FULL AMOUNT BY METHODS OF DEFAMATION AND SMEARING YOUR CREDIT REPORT!!! THIS IS THE XXXX XXXX WE ARE DEALING WITH HERE, MY NEXT COMPLAINT WILL BE A LEGAL NOTICE INTENTION TO SUE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After applying for a loan, my credit report stated that Capitalone had issued a 30 day and 60 day late payment for my credit card. After first reaching out on chat, the employee agreed with me and stated that this was a mistake and he was not sure why this happened. They submitted a dispute but got back to me saying the information was correct and I missed those payments. I called and asked a supervisor to verify the information which she could not. She looked over my accounts and I asked if she say any late payments or fees associated with my card which she replied to with " hmm no, but lets file another dispute and see what happens. '' Weeks go by and I file another dispute where I send in all my statements that accurately show a credit to my account in full every month for the so called " late payment '' In total it has been almost 2 months where I still have not gotten a resolution or a clear answer as to why they reported to the credit bureaus that I was delinquent on payments for up to 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
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: Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via XXXX Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via XXXX Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XX/XX/XXXX new inquiries have appear, which I have not requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection letter from Resurgent Capital Services attempting to collect a debt. Upon review of my records, I could not find evidence of that debt. I wrote to them requesting the verification of that debt. I received a reply today but the debt and creditor were unfamiliar to me. The alleged debt was originated in XX/XX/XXXX. I have never had a credit account with the original creditor reported. The debt was charged off in XX/XX/XXXX. The debt is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage company, Green Tree Servicing, added " Hazard '' ( insurance ) to my escrow payments. I already have homeowner 's insurance through a reputable company XXXX XXXX XXXX XXXX and was contacted by them when Green Tree decided to start " making my insurance payments ''. I DID NOT authorize any changes to my account and will continue paying my premiums directly to XXXX XXXX. I do not want Green Tree 's " insurance ''. I also told my XXXX XXXX agent that I did not authorize any changes to my insurance policy or method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Security finance in XXXX, TX keeps coming to my place of employment, demands a payment right then and there. I can not pay so they tell me to make a promise of payment, I tell them I do n't want to promise what I ca n't deliver, the lady XXXX then gets louder and causes a scene in my office in front of co-workers and my General Manager. My GM has asked her XXXX now to stop coming up here and causing a scene, the XXXX time he asked I was out if the office and she told him she was here to collect a debt on an unsecured loan and gave him the notice to put on my desK on Friday XXXX XXXX. Today they show back up I inform her that I will lose my job if she throws a fit and causes a scene in front of customers and employees she said I signed a contract that states they can come to my job and ask for a payment whenever I 'm late. I told her that they have been informed by me and my GM not to show up again to collect a debt she was about to leave and threatened to take my to court, by stating " That 's fine XXXX we know you make promises and never keep them so we will get our money XXXX way I 'll just see you in court ''. That happened inside so that several coworkers and employees heard her. I told her she was violating the FDCPA regulations and she told she could cause I signed a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The XXXX of XXXX of XXXX have no record that I owe any debt.

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 02-08-2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: spam call everyday. owe no debt so please go after these XXXX.

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 09/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I bought a cell phone ( XXXX ) from XXXX on base at XXXX XXXX GA when i first got stationed there. The phone service was very insufficient so i returned the phone within the 14 day grace period and went to another cell phone company. The XXXX vendors failed to process my return correctly. So after 6 months of me not knowing, i started getting phone calls from a collection agency for the phone i had returned. They put a {$710.00} debt collection on my credit. I went back the next day after i found out after 6 months. They submitted a claim that took another 6 months to follow through. And at which that 6 months i continuously received phone calls and told them of the issue. Which every time they called they said it was no problem and they will fix the issue, which was a lie they also told for 6 months. Finally after a year, the debt was paid by XXXX but the collection debt hurt my credit and has not been removed. It has been paid, but not removed from my credit files. They made the mistake and now my credit score has been penalized for it. Actions need to be taken to not only removed what they have done, but also to prevent this sort of issue from happening to others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to explain my situation to you. We, XXXX and XXXX XXXX were supposes to be foreclosure on our home on XXXX XXXX, 2015. The foreclosure did not materialized. I call the law company XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them. I Caliber Home Loan and told them. They sent me out a new bill on XXXX XXXX and I call a good company XXXX XXXX ) who was sent a proposal to Caliber. I did not know the illegally foreclosed on our home on XXXX XXXX and coupon for {$71000.00} payment amount was not due until XXXX XXXX. We did not receive a notice for the lawyer or anything. They did it under the table. My account number with Caliber was XXXX. I have all documentation. The loan was transferred to Caliber from XXXX who is still apart of Caliber. I hope you can help me get my house back. The people who purchased the home is XXXX XXXX, who was going to let me stay but claim his partner with not. The only number I have for them is XXXX. First name XXXX and do n't answer my phone call at all. My number is XXXX. I have leave my home soon. 
Thanks for the letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Vehicle loan or lease (Loan) with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Car purchases  XX/XX/XXXX  Loan thru  Fifth T  hird Ba nk - GAP Coverage purchased All payment mad e one time - 2 mon ths pre-paid  XXXX   XXXX ,  XXXX  - car was totaled Around the end of  XXXX  or  XXXX   XXXX  - Bank call and told me to protect my credit I had to make another car payment as the GAP coverage had not been paid and the money would be refunded once claim was settled. {$340.00} was sent and received by them and posted on  XXXX   XXXX .   GAP payment was made  XXXX / XXXX / XXXX  Bank has returned {$68.00} on  XXXX / XXXX / XXXX  & {$160.00} on  XXXX / XXXX / XXXX  after much communication and a complaint filed to the Oh io Better Business Bureau!    The {$110.00} balance I 've been told by GAP is UNEARNED INTEREST which by definition ( DEFINITION of 'Unearned Interest '. Interest that has been collected on a loan by a lending institution but has not yet been counted as income ( or earnings ). Instead, it is initially recorded as a liability. If the loan is paid off early, the unearned interest portion must be returned to the borrower. ) should be returned to me. The bank is refusing to refund this amount.

Company response to consumer: Closed with explanation