milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Credit card protection / Debt protection

Complaint: Costco Wholesale Club has changed credit cards accepted from XXXX XXXX ( XXXX ) to Citi Bank XXXX XXXX. When I joined Costco, I was not given any choice as to the credit card I was required to have as the XXXX account was required to bill my membership. Recently Costco/XXXX opened an account with Citi in my name, forwarding all of my personal credit information ( name, date of birth, social security number, address ) to Citi without my knowledge or approval. 
Upon discussion with Costco, they informed me that when I signed the agreement with XXXX, it had a clause that allows XXXX to sell my information to any credit card company. When I joined Costco, I was required to get an XXXX account to join the club. Again, this was not my choice to open an account, but I wanted to have a Costco membership. 
When the XXXX bill for my Costco membership came to my home, I paid the membership fee to XXXX. A month later, I got a bill from CitiBank that had several transactions in the bill, and an outstanding balance of {$.00}. When I called CitiBank, they informed me that the payment was late. I immediately canceled the card.

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 01-06-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I have been having problems with our 2nd Mortgage with Wells Fargo since our bankruptcy in XXXX. I went to a special XXXX hearing before the bankruptcy judge regarding his concern about us reaffirming the 2nd mortgage. We went to our bankruptcy lawyer and address his concern but the lawyer felt we would be in jeopardy of losing our house if we did not sign it. We signed the 2nd mortgage which was a balloon interest only coming due at 10 years. 
In XXXX my husband was laid off and I was without work XXXX XXXX XXXX, XXXX XXXX XXXX. We were struggling with payments and the balloon payment was due in XXXX of XXXX. We tried several times to refinance the XXXX mortgages together but could not get enough equity to do this. We qualified for the Helping Michigan 's XXXX XXXX XXXX XXXX loan program for the period of XXXX XXXX through XXXX XXXX. Wells Fargo started working on our refinance of our XXXX Mortgage in XXXX or XXXX of XXXX before it was due in XXXX XXXX. They kept the loan refinancing going for 12 months. During this time they would call weekly ensuring that once they got the paperwork figured out we could start making payments and continue on with it. During this time it was found out that they were reporting us delinquent on our payments even though they would not let us send in a payment. 
We finally got the loan back refinanced and have been making payments regularly since. There was concern during this 12 months that they was something not quite right but they continued calling and assuring me the loan was fine. 
Since the refinancing my husband and I are still looking to put the XXXX loans together and refinance but every time we try this the banks have been telling us the numbers do n't add up. Our local banker Now in XXXX XXXX has told us XXXX of the credit bureaus are reporting the loan as being XXXX in XXXX. I have been on the phone with Wells Fargo for the last month and they can not come up with the proper paperwork that I have requested : 1 ) Reaffirmation hearing from our bankruptcy. 
2 ) Paperwork on the refinancing of our balloon payment. 
3 ) Removing our delinquent marks from the credit bureaus. 
At this time I feel that Wells Fargo has more than harassed me through our time holding our 1st and 2nd mortgages with them and caused great stress and lost time dealing with their run around. I feel they are being fraudulent towards us by never producing any paperwork or answers when needed. We would like this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Account opening, closing, or management

Complaint: I received an email offer from Bank of America on XXXX XXXX, 2015 offering a {$300.00} bonus for signing up for a checking account and having $ XXXX of payroll direct deposit within 3 months. I met those requirements and never received the bonus. It has now been over 6 months and still no bonus. I have called Bank of America customer service at least 10 times. I 've talked to multiple supervisors who have to check with their promo dept to look into the matter and to the best of my knowledge they are having trouble finding me in their database of customers who received this offer. This has been going on for 6-8 weeks. No one seems to really want to address my issue. I 've offered to forward the email and provide any other info to prove to them that I received the offer email from them but instead they give me another date and put me off for 2 more weeks while they escalate my issue. I have done everything I can think of to solve this on my own but have run out of options. At one point someone at BofA suggested I go to a local branch and have them fax a copy of the printed email I received which I was willing to do except for there are no branches within XXXX miles of where I live. 
This is fraud. They 've offered me something, I meet all the requirements, and then BofA requires me to spend 25+ hours of my time on the phone with them fighting for the bonus.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are many inquiries on my XXXX credit report I do not recognize some from XXXX bank, Chase Bank, XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Debt collection (Auto debt) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: "  XXXX  '' from Nissan Motor Acceptance Corporation called me on  XXXX   XXXX ,  2017  initiating the call at  XXXX   XXXX  registering on my voicemail at  XXXX . He called me on my cell phone that is registered with them and caller ID registered him as calling from  XXXX   XXXX   XXXX .   XXXX  I have been having a hard time keeping up on my bills since I have been hospitalized so many times the past year and in  XXXX  of last year  XXXX  did the same thing to me! My area code and physical location are both in California-I have not been traveling,  Nissan  broke the law again in calling me before  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, my wife and I brought an insurance check issued to replace the roof on our home to Citizens Bank for endorsement as they had been named on the check in addition to my wife and me. 

The branch representative explained they could not endorse the check, but she would send it to the " back office '' for processing. We gave her the check as well as copies of the insurance company 's claim approval letter, their adjuster 's estimate showing the same amount as the check and a copy of our signed work order with a well-established area roofing company that we 've engaged to do the repair. She explained the back office would get our check and documents no later than XXXX,XX/XX/XXXX, and we could expect the check back in a few days. 

All of that sounded reasonable. Everything since has been nothing of the sort. As of XXXX, XX/XX/XXXX, we still do not have the check, much less a specific promise from the bank as to when we 'll get the check back with their endorsement, any sort of explanation as to why this has happened, or the courtesy of a call from a manager with direct responsibility in this area to explain anything. 

I have spoken with no less than five different bank representatives from three different locations since XX/XX/XXXX, one week since we gave the bank this check. Follow up from the branch has been fine, but they have n't been informed and have no authority in this matter. Outside of the branch, they tell me they understand my frustration, assure me they are working diligently to resolve my issue, but provide no results. 

No one has explained to me where my check is, what the bank 's process and procedure is for checks like this that exceed the branch 's authority nor when this will be resolved and my check returned to me so I can get my roof replaced before winter. 

I ca n't be the bank 's first mortgage customer with a home insurance claim over {$20000.00}. Is this the best they can do? Does n't the law require them to perform better in matters such as this? If not, should n't it? 

If the bank 's concern is I might take the money without doing the repair, then require a work completion notice from the roofing company and call the note if I fail to provide it. 

If that 's not their concern and they just mishandled this several times over, own the problem, apologize and make it right immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Hello- I tried opening up a bank account with a credit union today. However, I was told that I was denied because of information that was submitted to XXXX and XXXX. The information that was disclosed to them about me was that I did several fraudently transactions to try and get money. However this is not a true statement or reflection of my character ... I have NO arrests and now they are making me feel like I 'm a criminal. As I recall, back in late XX/XX/XXXX I was diagnosed with XXXX. I was in and out of the hospital. I ca n't recall any transactions that they are stating that I did. I would NEVEr do anything fraudently. Today, I was told that this would stay on my report for 5 years. My health is better and I 'm working now ( I am a XXXX and have been for almost 20 years except I had to leave for medical purposes ). I want this deleted from my file. This is not a true reflection of me. I have to thank XXXX for keeping me alive. I want to dispute this and I want this to go away quickly so that I can open a bank account. They do n't understand how hard my life has been sick I have been ill for the past 2 1/2 years. They also told me that I owed {$50.00} for bank fees ... not any fees that I took from them. I am deeply requesting that all of this is being disputed and that it gets removed from XXXX and XXXX as soon as possible. My next pay date is XX/XX/XXXX and I am desperately asking that all of this information changes so that I can have a fresh start. I do n't recall these transactions but I have young kids and I have overcame many obstacles since my illness. I should n't have to be denied opening an account and then BOA is putting information that is not only embarrassing to me personally but if they could have saw how the bank manager looked at me when I tried opening that account. Under FCRA, I do n't deserve to be looked upon this way and I also believe that if an account was opened and this occurred, that BaoA would have reached out to me and we could have come to a resolution.

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 11/29/2016 about Consumer Loan (Vehicle loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (IA).
Issue: Managing the loan or lease

Complaint: The bank is making it nearly impossible to pay my auto loan. I have called almost 100 times and still can not get through to make a payment. My mother waited on the phone for an hour and got through to someone only to find out that they charge {$15.00} for making a payment over the phone. I need online access to make charge free payments and they will not grant it to me. I have charges that I do not understand and need to be explained except I can not reach anyone to do so.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is a complaint against XXXX XXXX INQUIRY DATE : XXXX XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX CRED XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XXXX ADDRESS XXXX, XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested for Experian to dispute XXXX XXXX on my credit report, account number XXXX. I am attaching the letter from my daughter indicating the account was not mine that she signed without my permission or knowledge, this should be more than enough for the organization to release me of liability. but yet I am being responsible. XXXX asked me to send a signature from 2007 which is senseless as I do not have anything from 2007. I have already given them a letter from XXXX and I have provided a domicile where I have lived over XXXX years and the organization did not have my address or email or anything of the such. The info XXXX has matches up with my daughter. I provided a domicile to them not only did it list my addressed but also my signature. Experian refusing to dispute is violating my rights. XXXX has had this fraudulent account on my credit almost XXXX years and I want it removed. I did not think it would be necessary to retain legal representation for this XXXX situation but it seems I may.

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 04-01-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed with Experian in XX/XX/XXXX and in XX/XX/XXXX with ftc affadvit and police report with utility bill, copy of id, and copy of report of identity fraud accounts reporting on my credit file and they responded with a credit report with the same info on it again. I also reported with the companies that were reporting and only a couple of them actually sent me notification that they will inform the bureaus to remove my info. I just checked again and even though there was no verification, the accounts remain on my credit file causing extreme distress and preventing me from refinancing my home loan. There were a couple of things that they said they verified but did not provide me of the info that they verified with. I told them that whatever they verified was not true because they were not my account!!! 1. XXXX Negative item- never heard of them. 2. XXXX Negative item 3. XXXX Negative item XXXX Negative item 4, XXXX. These were formerly disputed through your organization in XX/XX/2015 but you were unable to reach me because of change of phone number.

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 01-05-2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2017 I contacted the my doctor office about any unpaid balance. According to my doctor office I do not owe any balance, all of my bills were cover by my insurance. So, I am not sure what debt I owe?

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint Mortgage Servicing Corporation services my home mortgage. When their client purchased my Mortgage, they did so without the obligation to pay the property taxes. I am responsible for property taxes. I paid the property taxes as per my duty in 2016. I then began to receive notices that they wanted to me additionally pay into escrow with them. When I inquired about this, they stated that they had also paid the property taxes on my behalf. I asked them to correct this issue and not to bill me for unpaid escrow money. They stated that they could not correct the bill until they had received the overpaid taxes from the municipality. Given that the error was administrative on their part, I asked them again not bill this directly to me. They claimed that they would work this out on their end. Despite several conversations with customer service I have received bills including late fees and collections notices which I feel are harassment, given that the original issue was an administrative error on their part. I continue to receive these notices and would like them to correct the error.

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 11-03-2016 about Debt collection (Non-federal student loan) with AES/PHEAA (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have 3 issues. They continued to contact me after I sent written notification asking for validation and to stop the phone calls. They continue to call me at work when I asked them not to. They told my boss why they were calling. 

When they call I tell them I do not consent to be recorded as is my right in the state of California and they tell me they wo n't stop recording unless I validate my information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: ON XXXX XXXX 2014 THE DEPARTMET OF JUSTICES ORDER BANK OF AMERICA PAY XXXX BILLONS FOR PRINCIPAL REDUCTION FOR CONTRYWIDE LOANS SIX MOUTH BEFORE TO THE ORDER COME IN TO EFECTIVE BANK OF AMERICA SOLD MY LOAN TO XXXX XXXX MY QUESTION IS DO THIS IS LOAN IS GRANDFATHER IN I NEVER HAVE A PRICIPAL REDUCTION ON MY LOAN EVEN SO I ASK THEN MANY, MANY TIMES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with AllianceOne Recievables Management (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Fraud on my credit report. Checked my credit report and found that macys has a fraud account on my credit and has a charge off which I never opened nor received a credit card from them and it is negatively affecting my credit score. I have submitted fraud papers, etc to macys itself, and whenever I try to get through to the fraud department, I can not. I contacted the CEO office of XXXX and spoke to numerous executive associates that transferred me to ALLIED ONE ( the debt collector ) because XXXX could no longer help with this issue so they stated. They are saying my account is accurate. I need to know if the next step would be to get an attorney?

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hi, I suspect that my consolidated student loan with Navient is not being serviced correctly, which is causing me to pay more in interest. Specifically, the Navient website does not allow me to apply principle payments specifically to the unsubsidized portion of my loans. Also, I suspect that my payments on loans that are in deferment due to my graduate student status are being applied as refunds incorrectly. I do no know exactly how this is suppose to work, but I am noticing " accrued interest '' charges even though I am paying principle and interest on time. I have tried to contact Navient via the customer service feature on the website, but have received no reply. 
Thank you for your work looking into this!

Company response to consumer: Closed with explanation