AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Citibank cancelled a credit card and will not reopen. I was given no notice that this card account was being terminated- This has affected my credit score. 
I had this account for several years-since XX/XX/XXXX andI never missed a payment-I was never late with a payment-I never did anything but pay on time and they cancelled the card. I was told that i had not used it for a considerable length of time so they closed the account and they said that they do not have to tell me that this is going to happen-they can do this at their discretion. I tried to find out when the last time was that I used the card but this is an online account and I have no access any longer.I can not obtain any information from the website any longer as this account is now dead and closed and phone customer support would not give me the information either. The closing of this account has hurt my credit score and I feel it was closed for absolutely no reason and I had no warning that this card was being terminated. If I had I certainly could have put a purchase through on it to keep the account viable, but it is closed. When I first found it was closed I contacted customer support where the agent had no idea what I was talking about and initiated a credit limit increase-which obviously was not what I was calling about so this was turned down. Then I called again and spoke with a supervisor who pretty much told me she would resubmit my desire to reopen the account but that it would probably be denied and it was. I was told that this was because I have a lot of accounts and have considerable payments and they would not reopen but had I used this card it would not have been closed so my outstanding balances were not an issue then but they are now-they had even sent me a new card with an expiration date of XX/XX/XXXX so I do not know what happened. Just want to try to get this reopened-even if the credit limit is less than it used to be. 

Company response: Company chooses not to provide a public response
Consumer complaint: Citibank is reporting inaccurate and outright false information to the credit reporting agencies. In XXXX 2015 Citibank started reporting a new account number, ****************, on my credit report. I disputed the account with the credit reporting agencies and Citibank verified it with the credit bureaus as being mine. I then initiated a direct dispute under FCRA 623 ( a ) ( 8 ) ( D ) with Citibank telling it that that account has never been issued to me and asking it to investigate the suspicious account since it has confirmed with the credit bureaus that it was mine. This was beginning of XXXX 2015. On XXXX XXXX, 2015, Citibank sent me a letter ignoring my request to investigate account XXXX and telling me that " we received your request to update credit information on your credit bureau report '' In the same letter Citibank continues saying : " Our records indicate that the information appearing on your credit report is correct. If you wish to add a brief statement of explanation to your file, you may contact the consumer reporting agencies to whom we report your account information. This will become part of your credit record, which they retain. " ( letter attached ) To me, after reading the statement above, it felt like Citibank was trying to mock and embarrass me. 
How can a negative account that 's never been issued to me become part of my credit record? 
On the same XXXX XXXX, 2015 I overnighted Citibank my response telling it that I stand by my FCRA 623 ( a ) ( 8 ) ( D ) request in regard to account XXXX and that I was expecting completion of the investigation within the time frame specified by law. In that letter I again asked Citibank to provide proof that XXXX XXXX : XXXX was issued to me in a form of an account statement bearing the said account number with my name and address. In that letter I informed Citibank that if by XXXX XXXX, 2015 I do not receive proof that account XXXX was actually mine, I will escalate the issue with the competent authorities. ( letter attached ) I honestly do n't understand why Citibank has decided to insert that account number on my credit file and is stubbornly insisting that it 's my credit card account number with Citibank. 

Company response: Company chooses not to provide a public response
Consumer complaint: I Purchased a home XX/XX/2014 ... the title company I used for closing was suppose to record the title with XXXX XXXX XXXX XXXX. It is now XXXX and the title was never recorded. I was trying to refinance with my current lender for lower payments and rate, but due to the title company not having my title recorded my deal had to be rejected because they have been dragging their feet in recording my title. 
TITLE COMPANY : CAPITOL TITLEXXXX XXXX MD XXXXCONTACT : XXXX XXXXCONTACT NUMBER : XXXX 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: I have recently run into some medical problems that are making it increasingly difficult for me to remain in my home. I have decided to sell my home while I am still in a decent position to do so, and to avoid further hardships down the road. I contacted my mortgage holder, Bank of America this afternoon in the hopes of being able to discuss my concerns with them, namely that I wanted to discuss the possibility of being able to defer or reduce my mortgage payments while the house is on the market. I will need to get an apartment closer to the VA facility where I receive care, and would be unable to afford both. After being bounced between several different customer service agents in different positions, I was told that I would need to speak to a " Customer Relationship Manager ''. I was disconnected while on hold waiting to speak to someone in this position, so I called Bank of America 's Mortgage Customer Service Line and asked to be transferred to a " Customer Relationship Manager ''. I was placed on hold and then a man who mumbled his name too fast for me to catch it came on the line. He asked me to verify my personal information, which I did. When he asked to to verify my phone number, I said " It 's the number I 'm calling from ''. At this point, the person on the other end of the line snapped at me to " verify it ''. At this point I asked him to rephrase the question in a more polite manner, where he went off on me and repeatedly asked me " are you just calling to be rude? ". He continued in this manner, not allowing me to state my position or speak, and continuing to interrupt me. When I finally was able to get him to calm down, I stated that I had done nothing to warrant this disrespectful treatment, and that I had been a customer since 2006. He sarcastically responded " Thank you for your service ''. I then asked to speak to his supervisor, and he refused to transfer me to his supervisor. I asked what branch of Bank of America he represented, and he said " This is basically home retention ''. I then asked his name and he hung up on me. 
I am shocked at this rude treatment from Bank of America. This person I spoke to today was exceptionally rude and sarcastic, mislead me about the nature of the customer service I had requested, and refused to allow me to speak to his supervisor when requested, deliberately concealed his identity, and simply hung up on me when requested to provide his identity a second time. I have never missed a payment on this mortgage or even been late, and I was basically told to XXXX by this employee of Bank of America when I asked for help. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX is on my credit that that was originally opened like in XX/XX/XXXX maybe, nonetheless, CREDCO bought the acct in XX/XX/XXXX and it should be out of credit report 

Company response: Company chooses not to provide a public response
Consumer complaint: In 2013 Wells Fargo offered us a loan modification. After making the trial payments totaling {$18000.00} ( and thus accepting the modification offer, per Wells Fargo ) we were told the offer had expired. We hired an independent attorney to assist with enforcing the modification ( at a cost of {$30000.00} ), which was unsuccessful. We were left with XXXX options ; foreclosure or short sale. We chose to short sale. We listed our home and received a cash offer for greater than fair market value. The offer was submitted over a month ago with all required paperwork. We also dismissed the lawsuit ( WITH PREJUDICE ) and provided Wells Fargo a copy of the recorded Dismissal. Currently the short sale review is on hold, because Wells Fargo counsel is demanding we sign a release agreement that among other things, would completely waive our home owners bill of rights. The Wells Fargo attorney is threatening to allow foreclosure to proceed instead of allowing the short sale to be reviewed. The sale date is XXXX XXXX, and we are trying to get the short sale offer approved before going to auction. We received notice from Wells Fargo they are in receipt of the offer and it is under review, however their attorney is still holding up the review process until the release is signed. We feel that the Wells Fargo attorney is angry we wo n't sign the release and dismiss the lawsuit WITH PREJUDICE ( versus WITHOUT ), and is using emotions and threats to block this entire short sale approval process, and instead allowing our home to go to auction on XXXX XXXX. There is currently NO LAWSUIT, it was dismissed. How can we be expected to sign a release for a lawsuit which no longer exists? 

Company response: Company chooses not to provide a public response
Consumer complaint: they keep collecting debt that 's not mine they took me to court and stopped the case because they forged documents signatures etc. so they agreed to stop all collections now they put it back on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: XX/XX/XXXX my mother filed bankruptcy during this time ASC or wells Fargo was reporting this account XXXX Days late in bankruptcy as long the account is current you have to report it as current you can say this account in bankruptcy but that is it, I was not in bankruptcy or list in it, so my account should not be affected when I contacted ASC XX/XX/XXXX to have them straighten out they had credit bureaus all XXXX Delete account that way I could n't show I had a mortgage and it would keep me from getting another company to finance us, I have sent the discharge letter to all XXXX Credit Bureaus asking for my Mortgage be put back on my Credit from XX/XX/XXXX when Bankruptcy ended and to update it as Current per the Courts and the Chapter XXXX Trustee, All I keep getting back from credit bureaus is there is no account on my credit report I know cause they deleted them and for no reason, Now I am getting ready to have XXXX refinance me within the next year I am a XXXX and I need this fixed ASAP, I know why Wells Fargo had them delete to keep me from getting another loan cause I do n't have history No one will refinance us.this has been removed since XX/XX/XXXX my mom started the bankruptcy in XX/XX/2006 this is still a issue and its ridiculous they have my mom in this bankruptcy for her mortgage and its the XXXX XXXX back to back they messed up the first bankruptcy and let them tack on {$2300.00} after completion so we ended back in bankruptcy. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am seeking your assistance to resolve a situation with CItiBank, who remains unresponsive to verbal and written communication. 
SUMMARY : From XX/XX/XXXX to XX/XX/XXXX XXXX 

To comply with CitiBank 's interpretation of the Patriot Act, my social security number was connected to the Center 's CitiBank Business credit card. Due to billing confusion taking place after I left the agency, CitiBank states the account has not been paid, late fees and interest have been added and the 'account ' has gone from a collection agency called Pro XXXX XXXX XXXX a second collection agency called XXXX XXXX XXXX who continue to call my home and threaten my personal credit rating even though I have repeatedly and patiently explained the situation in full each time I am called. After all, it is in my best interest to clear up this mess. 
CitiBank, XXXX and now XXXX XXXX do not respond to written and verbal communication from me or the XXXX XXXX XXXX to resolve the confusion. 
The original amount owed on the card was {$88.00} with an added {$140.00} in fees which supposedly brings the disputed amount to {$200.00}. XXXX Yes, I know the basic math is wrong, which just adds to the craziness! ) The XXXX shared a letter from Citi with me stating the original {$88.00} was paid XX/XX/XXXX. Yet I continue to receive calls requesting I personally pay {$200.00}. 

Company response: Company chooses not to provide a public response
Consumer complaint: After a long struggle I was approved for a loan modification for my Bank of America home loan which was originally a countrywide loan. I made the trial modification payments and XXXX regular monthly payments. 
I received a letter standard delivery mail on XXXX XXXX from Bank of America, that my loan would now be serviced by a XXXX XXXX XXXX XXXX on the following month, with not much detailed information. 
I followed my mortgage details online on the BOA website until no loan data was available on the XXXX ... and still no letter from the new service XXXX. Concerned I called Bank of America at the beginning of XXXX, who gave me no information other than the number of XXXX. I called the XXXX help line on the XXXX of XXXX and they said I should receive a welcome package, and I asked for the website information. 
I immediately navigated the website which was difficult to find where to create a new customer account only to find it could not be done yet. I tried again on XXXX and was allowed to create and see loan information. In that loan information the loan shows an addition to the recent principal of XXXX $ with no explanation of the fee, just named principal adjustment and it also shows the next interest adjustment as XXXX with no info as to what that will be, and certainly not what my modification agreement detailed. Still no welcome package received ... no statement, no information about the additional fees or who agreed to them. The original principle of this XXXX loan which at the peak of the real estate boom has now climbed to XXXX with the new servicing extortion. 
I am feeling completely victimized by this process from the original countrywide loan, to the incredible hurdles to get the modification, and now be at the mercy of more predatory loan nonsense. It 's uncontainable. I went through the home loan modification program with hope that my own tax money would help correct the injustice that was this home loan from the start, only to have the relief of being " approved '' to now be just a gateway to more predatory practices. 

Company response: Company chooses not to provide a public response
Consumer complaint: Experian is reporting a XXXX account as charged off in XXXX. I disputed this information because this account was charged off XX/XX/XXXX. XXXX is showing the correct charged off date. Experian updated the account with the incorrect charge off date. They refused to further investigate the account and will not allow me to re-dispute the account online. This is incorrect information. I would like to have the correct charge off date reported or remove the tradeline from my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: CMRE Financial Services ( XXXX ) reported to XXXX a debt of {$350.00} which is not mine. I called and gave my date of birth, which they said does n't match the original medical bill but they demand my XXXX, drivers license, and other documents to correct. 
I feel this is not XXXX or XXXX XXXX, and it is THEIR duty to remove such libelous report knowing it is not my debt. I offered to at most provide a redacted copy of my driver 's license. I plan to sue them if they do n't remove the erroneous report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have tried for months to get my monthly private student loan payment through Citibank lowered. I have explained I am not working and have not been working for over a year and unemployment ran out. They agreed to let me defer one month ( because they said that 's all I had available to me XXXX. They have called me at all hours of the day and night, sometimes 5 times a day if my payment is late. When I ask for help they have told me time and time again that they can not do anything and it will just have to go to collections and I can just deal with them. They have no compassion, no understanding and could care less that I am not working ... they asked me how I plan to pay my monthly payment and I told them I will have to start selling my personal property and their response was well you have to do what you have to do. I have never been more disappointed in my life with a financial institution. I am just asking for my payment to be lowered, I am not asking them to pardon me from paying back my debt. I went to the University XXXX XXXX online and completed my XXXX Degree. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested that this company send validation of my SSN and are how obtain. the company have not responded to my request instead sending a letter stating that they are threatning to put this on my credit file. The company should be able to support the validation of the method of them obtaining vital information. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: We had our primary home foreclosed on XX/XX/XXXX, at the time we had a XXXX Mortgage as well as a XXXX Mortgage/Equity Line, both with Wells Fargo. The XXXX Mortgage has reported to the credit bureaus that the debt is attached to a property that was " Foreclosed '' and stopped actively reporting to the credit bureaus at that time. However, the XXXX Mortgage was listed as a " Charge Off '' but is still actively reporting every month to the credit bureaus. After consulting with a handful of real estate attorneys and Banking Mortgage Representatives, we are hearing from all of them that any attached mortgage should cease reporting on a monthly basis to the bureaus, and simply be listed as a " Charge Off ''. We already have the burden of carrying a foreclosure on our credit, but having the XXXX mortgage continue to report each and every month is simply insuring that we ca n't rebuild our credit. 
We submitted a dispute to Wells Fargo XX/XX/XXXX, using the fax # provided to us by a Wells Fargo Representative, requesting that we receive some feedback about this matter within 30 days ( the fax and confirmation are attached ). We have yet to hear anything from Wells Fargo, so we are asking for assistance from the CFPB. Any feedback that we can receive will be greatly appreciated. 

Company response: Company chooses not to provide a public response
Consumer complaint: I received a notice from XXXX that they were filing a lawsuit against me for payment. I stayed on the phone to avoid judgement and we agreed on payment terms on XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX ( representing XXXX XXXX XXXX ), XXXX sent me a agreement for a judgement stipulation eventhough we did an early intervention. 

Secondly, XXXX XXXX XXXX passed another loan to Forster and Garbus. On XXXX XXXX, 2015 I was informed by my mom that XXXX men entered her home yelling for me, and left a card. I took the time to do research to see if there was any case about me. I found Forster and Garbus. I informed Forster and Garbus I was not resident of New York and was willing ot work out a payment arrangement of {$200.00} month for 10 years. I was assured by the young lady that the attorney was going to get back to me however, no one got back to me. 
I called again, but instead I got a letter from the courts the were going to garnish my paycheck regardless of my agreement with Forster and Garbus. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently had my car repossessed in XXXX 2015. After the repossession I was given the option to get my car back if I could bring my account current. I brought my account current through XXXX and the various agencies they worked with. Once my account was current XXXX reinstated my loan and had me being making monthly payments ; however, the status of my loan on my credit report is faulty. It still displays my account in charge off status, with me making monthly payments to the account, and no evidence of the loan being reinstated. 

If my account has been brought current, and you have reinstated my loan, it would only make sense to reflect my account as a simple interest loan once more with installment payments being paid on time currently. It does not seem feasible that one would reinstate my loan while still reporting it as charged off with payments being made on that charge off monthly. 

XXXX has refused to give me paperwork stating that they have reinstated my loan. All I have currently is my payment history which they are obligated to provide me with. 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX breached contract against XXXX XXXX, thus patient not liable for XXXX fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested Experian to investigate and remove items in my credit report that does not belong to me. They have refused to investigate causing me undue hardship and stress. In the process I have been denied credit because of these inaccurate information in my credit profile. These items are as follows:1. XXXX Bank not mine. 2. XXXX XXXX never late, 3.XXXX not my account, 4.XXXX/XXXX not mine 5.XXXX never late. 6. The XXXX XXXX XXXX not my account. 

Company response: Company chooses not to provide a public response
Consumer complaint: Barclays Bank Delaware obtained a judgment against me in a county in XXXX. I live in XXXX and being unable to travel to XXXX they obtained a garnishment of my wages in XXXX without transferring the case to XXXX where I would be able to seek exemption for rent and other living expenses. 

Company response: Company chooses not to provide a public response