milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The loan modification I had expired in XX/XX/XXXX so my mortgage due was XXXX what I had been paying since shortly after my husband passed away XX/XX/XXXX. I could not afford the mortgage and had been negotiating with the bank for over a year. After filing a complaint here in XX/XX/XXXX, I was a contacted by a point person who said he would fast-track a modification. Five months later, I received a 3-month trial payment offer followed by a modification contract. The contract did not include debt forgiveness and stated that if I ever could not repay the loan, I would have to use other assets. As a XXXX widow, I can not afford the house my late husband left me with. I 've received notices that I 'm in severe default, followed by trustee corporation notice of foreclosure proceedings. 
On XXXX XXXX, I came home to find letters taped to my gate that said my house would be auctioned on XXXX XXXX. I have an attorney who contacted the bank on XXXX XXXX. At that time, the person he spoke with said the bank did not have a confirmed date to auction the house, and together filed an application to delay the auction. But yesterday, XXXX XXXX, my lawyer called the bank and the person he spoke with said he had no record of the application, the bank will auction my house on XXXX XXXX, and it 's too late to do anything other than foreclosure. 
I realized I can not stay here with the mortgage - way above the {$720000.00} maximum - that my late husband left me with. I just wish to have some better closure with this without having to file XXXX of documents to prove hardship. I wish to be able to have bank agree to a short sale or deed in lieu of foreclosure and give me up to 2-months to clear out of the house I 've lived in for 28 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: XXXX, my new loan service provider, abruptly dropped their services on my lap without any warning. I knew this because XXXX sent me an email on XXXX XXXX stating that they would no longer service my XXXX loan. By doing this they have removed the platform upon which I make timely payments to repay my XXXX loan, and forced me to find only one person on the planet at XXXX who might be able to help me. However, she is n't available until XXXX XXXX. In the mean time I am locked out of my account that XXXX took control of. I ca n't call them because their system wo n't recognize my social security number. I ca n't access my account online and they ignore my email communication ; in fact, I have no receipt from them that they received my email communication. Finally, I ca n't make a payment. I 'm a ghost to them, and my unblemished credit is at risk because of the incompetence of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money. 
Now I 'm trying to rebuild my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Business & Professional Collection Service Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Do you not know any of these medical bills I 'm a XXXX I 'm also on XXXX XXXX % XXXX I want to dispute all medical have been on medical and XXXX since XXXX XXXX I want this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, willing or not, has put me at risk. By not protecting my consumer/credit info on any and all data systems in use by Equifax, Equifax has not acted with due diligence to provide my account info with a reasonable level of privacy. As Equifax is a " one-stop '' entity housing all of my consumer/credit info, they have provided, willing or not, a means for unauthorized parties access to sensitive info that may put an unfair burden on me to maintain my credit health going forward from the date of the Equifax breach. As a consumer, I have done my due diligence to maintain, update, correct, and protect my credit ratings and history. I believe Equifax should be required to provide me, without cost to me, a 7 year Extended Fraud Victim alert service and agree to reimburse me any money amounts I may incur as a result of the Equifax security breach. Further, Equifax should compensate me, at a rate of $ XXXX/hour any time I spend disputing/correcting any fraudulent use of my credit information, for the duration of 7 years beginning with the date Equifax became aware that my credit info was compromised by way of Equifax 's data systems.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I opened up a new Citigold Interest Checking account with a promotional code for XXXX AAdvantage bonus miles on XXXX XXXX, 2016. The promotional code was accepted and included in my Welcome Packet from Citibank. I met all the terms of the promotion, and called several times to confirm this directly with Citibank The customer service representatives confirmed that I had met the terms of the promotion, and I simply had to wait for the miles to post. Many months passed, but I did not receive the miles. I called Citibank again in late XXXX, and the CSR told me that Citibank had " run out '' of miles, but she would open up an investigation and I should hopefully receive them soon. Still, I heard nothing, so I called again about 2 weeks later, and had them resubmit the dispute. Finally, I heard back from Citibank via a digital letter, who now, all of a sudden, claimed I was not " eligible '' for the promotion. I called Citibank yet again, and a CSR echoed what the investigation said, even going as far to claim there may have been a " glitch '' in the system when I applied for the account. This is despite the fact that Citibank accepted the promotion code, printed it in my welcome packet, and then I had many different CSR 's confirm with me that I would indeed receive the promotion. I believe this entire situation has been quite troubling, deceiving, and unethical on the part of Citibank.

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 09/27/2015 about Mortgage (VA mortgage) with FIRST MORTGAGE CORPORATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: First Mortgage Corporation advised me of transfer of loan per letter dated XXXX XXXX to XXXX XXXX XXXX. I was instructed to send XXXX/XXXX/2015 payment to XXXX XXXX. Once I contacted XXXX XXXX I was advised payment not due until XXXX/XXXX/2015 so authorization for semi-monthly ACH drafting was set up to begin XXXX/XXXX/2015 per confirmation letter from XXXX XXXX. I also sent XXXX XXXX a half payment in XX/XX/XXXX. First Mortgage advise no payment received per letter dated XXXX/XXXX/2015. On XXXX/XXXX/2015 I contacted First Mortgage & XXXX XXXX to resolve CONTRADICTING information I was advised XXXX XXXX was unable to transfer my funds they received in XX/XX/XXXX to First Mortgage instead they would have to refund to me then I could proceed with payment to First Mortgage once funds received.

Company response to consumer: Untimely response
Consumer complaint received 03/25/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: I 've complained already. The bank changed my bank account stating it was no longer linked to a mortgage account, when it was never a morgage account in the first place. They began charging a monthly fee of {$25.00}. After my last complaint, they wrote that they would waive my fees until XXXX 2016 so I could decide what action I want to take. They are refusing me to change the account to one without a monthly fee, when there are other types that do not require a monthly fee. I will most likely have to close the account now which makes me mad as it 's linked to family members for transferring money. I would like a differrent account that does not charge a monthly fee. Additionally, when I first brought this up, they waived XXXX of the fees I had been charged. However, I have been charged XXXX others that they refuse to remove. So I get waivers, they agree not to charge me for a couple months, but then wo n't remove the fees I got charged in the meantime.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with Suntrust for over a year to ensure that I keep my home. I filed for a modification last year. I was up to date with my mortgage and was denied. They offered me the option to short sale. I do n't understand why they would rather let a potential new home buyer to take advantage of the fact that my home has lost value rather than work with the person that has not missed a payment in 10 years. Against my better judgement, I stopped paying my mortgage in hopes that they would help. I filed again in XXXX. Only for them to tell me that they did not get my paperwork. I gathered all of the paperwork once again. Only to be denied a modification and offered the short sale option once again. I can not short sale my house and be taxed on a XXXX. I simply ca n't afford it. They do not have my house properly appraised, have not attempted any kind of resolution, and the rep pretty much told me that he is busy and I am just a number / case load for him. I do not want to lose my home, but I am at my whit 's end with Suntrust Mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a previous dispute, but the response does not make sense. See XXXX. 
I am a vicitim of ID Theft. Federal Regulations and state laws allow me to have a Security Freeze placed on my credit file, if I provide the proper documents to the credit bureaus to place the freeze. I am sending the complaint because I sent proof of being a victim and all my documents to Experian to freeze my credit and they have failed to place a freeze. With failing to honor my request, they have left my credit open to new liabilities and fraudulent acccounts. The response I received last was that the information I provided was not complete enough in my complaint. However, I was very specific about dates I mailed documents and what was mailed. I should not have to contact Experian for a third time. My experience was that I called them and they tried to sell me a freeze or other monitoring services. I understand that this is very common practice after consulting with my insurance company and their famililarity with credit bureau practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Mortgage (Other type of mortgage) with U.S. BANCORP (CA).
Issue: Trouble during payment process

Complaint: I have a home construction loan with US Bank. The amount due every month changes based on how much has been drawn for construction so I have to wait for my statement to know what the payment will be. My most recent statement shows a statement date of XX/XX/XXXX and a due date of XX/XX/XXXX. I have a USPS delivery report that shows that the statement was n't delivered to me until XX/XX/XXXX. Obviously they have made it impossible to make the payment before the due date and I have less than a week to get it to them before they charge me late fees. They do not allow payment online ( because it is a construction loan ), wo n't accept a payment at a local US Bank branch, and want to charge me {$11.00} to pay by phone. It feels like they are deliberately sending the statement late so they can collect extra fees by forcing me to make a rush payment or charging me a late fee because it is impossible for them to receive the check in the mail before penalties get assessed. When I called today ( XX/XX/XXXX ) to complain, the best they could offer is to submit for a one time late fee waiver. I should n't have to pay fees to make a regular timely payment or have to ask for a special waiver.

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 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: To whom it may concern, On XX/XX/2017 I paid off my credit card for the amount of {$680.00}. At the time the payment was going through my personal checking account was compromised with fraudulent activity. I didnt realize til a couple days had passed so I ended up closing my checking account. So thinking that the credit card was at a {$0.00} balance i was using my credit card for online purchases. Then the payment was returned. But they kept trying to debit my account the same amount. Since the checking account was closed i kept getting charged a {$25.00} return fee. So i ended up having to owe the {$680.00} plus what i had spent on online purchases, a total of {$1300.00}.

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 05/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: In my previous complaint ( Case number : XXXX ) I issued against Bank of America I gave an incorrect bank account number ( I have more than XXXX with them ). I am being charged wrong - the day XXXX issued this complaint I had {$28.00} or so that evening, the same transactions showed on my account but instead I was further overdrawn and another XXXX fee was taken - XXXX {$35.00} fee 's in a week??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-08-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I was not receiving electronic statements and did not get my bill. The payment was marked as late.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: these companies was not authorize to pull my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have notice a fraudulent Macy 's account on my credit report a few months ago, I Immediately called the phone number for the company that was listed on my credit report and mentioned to them that this is a fraudulent account. I told them that this was Identity theft and also notified them that I have filed a police report. Another month later I noticed on my credit report that they have reported me as being late on making a payment, after I told the company this was a fraudulent account, the company did not make any notations or remove this item from my report, or temporarily stop reporting negative history about this fraudulent account until an investigation has been completed, the company clearly violated the FCRA regulations and section 605B of the fair credit reporting act. 

I also made another follow-up call with the company to check why this item is still on my credit report, this time the agent stated to me they did not have any information about a fraudulent account, and the only information they had on file was a reported lost or stolen credit card, I clearly told the agent I reported identity theft and never opened a credit card with this company. the agent was rude and I was not able to clearly understand her. She then hung up the phone call on me. I reported this back to the police again, as well as the ( FTC ) Federal Trade Commission, and the ( BBB ) Better Business Bureau. and the District attorneys office. I also informed the company that my residential mail was also fraudulently placed on hold, and the thief 's used my address to obtain services and was able to pick-up mail without my knowledge,

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 04-07-2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: PNC Mortgage Servicer, hired XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ), including but not limited to XXXX attorneys, any to act, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and notary XXXX XXXX XXXX, to stole my home in XX/XX/XXXX I had filed complaints with many agencies, including CFPB, FTC, Texas Attorney General, the trustee for my property, XXXX XXXX XXXX, the law firm, XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ) that PNC hired to steal my home. My image was slandered in the public with a notice of acceleration posted XX/XX/XXXX by attorneys for XXXX, stating they were substitute trustee ; yet it was 7 days later, XX/XX/XXXX, that XXXX XXXX by self appointment, recorded an APPOINTMENT OF SUBSTITUTE TRUSTEE document into the public record. XXXX XXXX is the Trustee on the Deed of Trust. There is no beneficiary. 

XXXX can not perform an act they have no authority to perform. This was the beginning of my nightmare into theft of property by court process and with people pretending to hold a public office but have no oath of office to the public. 

I and my youth were dispossessed, we fled in fear, XX/XX/XXXX, because Judge XXXX XXXX, no public servant of mine, in XXXX County, completed a Writ of Possession and in that writ were instructions for a man with a XXXX to have XXXX XXXX permission to " XXXX and my possessions '' to remove us from the property. 
Where XXXX XXXX had the authority to give a man permission to harm XXXX and my property, I do not know and never consented to her purported authority to steal from me using the business of her court room. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I dispute the PNC Mortgage entry on my credit report of a debt for {$130000.00}. 
When the home was stolen, the claim in the notice of acceleration was {$120000.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PNC Mortgage responds the account closed paid in full, never late, date of status is XX/XX/2007 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have the note marked Paid in Full, that I received from National City XXXX ; I was forced to leave it to leave my property due to the deceptive practices of PNC employees and the employees of law firm, XXXX, including the fraud foreclosure action, all unconscionable actions of PNC employees and the employees of law firm XXXX 
The law firm employees are recorded with the public in the XXXX County court, the law firm employees, have the names of the PNC employees that initiated the theft of property by constructive fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX is still reporting to the credit bureaus way past the statute of limitations for the state of Tennessee which is 7 years. Not only that but XXXX is constantly adding new balances and then removing them and adding them again later which is detrimental to my ever fluctuating credit score especially since I am in the middle of purchase. I am requesting that XXXX is completely removed from my credit report immediately. XXXX has been on my credit file with all three bureaus since XX/XX/XXXX. It is now XX/XX/XXXX. They seem to have some illegal collecting and reporting practices. Ive enclosed information for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On XXXX XXXX, 2017 someone tried to open up a Walmart credit card in my name. I contacted the company and never heard back what happened or the results of the investigation. On XXXX XXXX, 2017 someone tried to open up a Walmart credit card in my name again. I 've contacted them again but they did n't have anymore information again. I want to know who keeps trying to open up a credit card in my name at Walmart, to date Walmart has done nothing nor reported their findings to law enforcement. Walmarts contact information : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX

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