milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: It is with great frustration that I am writing this letter to you. I have been requesting from 21st Mortgage corp a loan modification to no success. 
I have now received a notice of sale for my primary residence at XXXX XXXX XXXX XXXX, XXXX, New York XXXX from the Supreme court.. 
I began to struggle in XXXX after having a triple by pass. It was in XXXX when my wife lost her job and in XXXX it was then when I began to default on my mortgage.. Our daughter moved in with us and provides 100 % to the home.. We have provided various packages for a loan modification to no success.. I am presently again updating my finances and providing such to the bank. 
Please review our financial situation and adjust to an affordable level. 
Our mortgage is also upside down I desperately ask you help us. to keep from foreclosing. in our property and avoid further delinquencies. 
We have taken severe steps to better our financial situation. We have eliminated services to our home. This is our only shelter. 
I am requesting a work out plan that will extended the terms, lowering the rate and adjusting the principal balance..

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: incorrect information reported XXXX XXXX 2017 by XXXX  and transunion.

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 01-10-2017 about Bank account or service (Checking account) with KEYCORP (CO).
Issue: Deposits and withdrawals

Complaint: I filled XXXX total complaints against a company claiming they are a law firm when NON of their " attorneys '' are registered in the Colorado bar database. The company is called XXXX XXXX " XXXX XXXX ''. I submitted the first complete because they kept billing me & kept deducting from my checking account {$99.00} per month. I canceled XX/XX/2016 and I was billed for the month of XXXX at the birth of XX/XX/XXXX totally {$200.00}. after I filed a complaint with the federal trade commission, they advised me to dispute all of the charges from the company as they did not what was in their contract promised to me as well did NOT provide me any PROOF OF SERVICE and could not report TO ME ANY ACTIVITY they have done in past 7 months. When I signed up with the " credit repair '' company my XXXX score was XXXX. NOW, it has DROPPED TO XXXX!! I contacted ALL XXXX credit bureaus & they confirmed with me that NO ACTIVITY has been done and no dispute letters have been sent/received as I never did receive a letter from ANY of the XXXX bureaus in 7 months. According to one email I sent the company asking for progress or updates, I finally received a response from XXXX Law that they need a credit report in XX/XX/XXXX 3 MONTHS later!!! Shortly after I contacted the Federal Credit Repair Act, I was advised to file a dispute with MY BANK & TO REPORT FRAUD. This is where my bank comes in. Key Bank! After filing XXXX disputes my bank WOULD NOT do anything to PROTECT ME AGAINST FRAUD nor issue me a provisional credit as these charges have caused me financial hardship. I am having to fight WITH MY BANK, KEY BANK and to having to LITERALLY beg my own bank to recover the money that was charged. MOST BANKS will issues the charges reported as fraud within 24-48 hours. KEY BANK has done NOTHING to protect me as a consumer not the mention the XXXX complaints were filed XX/XX/XXXX & XX/XX/XXXX. Still my bank as done NOTHING! The laws we published under the Credit Repair Act were clearly violated and " XXXX XXXX '' still will not provide me with ANY proof of service. As of now, I only have bank statements of the charge as XXXX XXXX has not answered ANY of my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX received letter from Huntington Bank indicating could no longer make bi-monthly payments on home equity loan (my primary mortgage) effective XX/XX/XXXX; letter dated XX/XX/XXXX, taking 6 days to receive. Have automatic payroll deduction to them every 2 wks, approx 1/2 mortgage payment. Payment to be sent XX/XX/XXXX, fulfilling XX/XX/XXXX obligation. However, won't get paid again until XX/XX/XXXX, 8 days after next full mortgage payment due. Huntington told me they would give 15 day grace period for XX/XX/XXXX; after that, full payments due XX/XX/XXXX of every mo. I have multiple problems with this: received viturally no notice; I live on a budget, unlike your disconnected director, Mick Mulvaney. I have 6 days to re-budget for full payment, even though won't get paid again until 8 days after due date. Asked if I could change due date, Huntington refused. Change not discussed or authorized with me, is nothing short of payment demand, and a change to the loan re-payment plan I originally agreed to. Now I either have to pay extra every mo, or make a principle only payment monthly in order to get previous benefit of bi-monthly payment. This is wrong; makes me think it is a result of Trump admn dropping previous consumer banking protections. Happen to be paid 8 mos ahead on my mortgage because of benefit of bi-monthly payments, and will continue to pay extra, but how many other Huntington customers cannot or will not? This change will discourage them from using the benfit to reduce their mortgages ahead of term. Not currently in a position to change mortgage companies, if I was, would drop Huntington. This activity seems on par with XXXX XXXX changing mortgage terms without customer knowledge. Doubt there will be resolution of this in my favor - return to bi-monthly payments, or that the CFPB even cares.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: 0n XX/XX/ XXXX which is Barclaycard at XXXX XXXX thn at XXXX XXXX XXXX at XXXX XXXX thn at XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX, XX/XX/ XXXX XXXX XXXX XXXX   XX/XX/ XXXX ; XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/ XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX  this happen everday just like the previous days, calling my phone harrassing me, calling up to 4 times in one day ... everyday

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 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I REACHED OUT TO THE CREDIT CARD COMPANY XXXX BACK WHEN THE CHARGES SHOWED ON MY STATEMENTS AND LET THEM KNOW THAT THESE CHARGES WERE FRAUD AND I DID NOT AUTHORIZE THEM OR HAVE ANY DEALINGS WITH THESE COMPANIES. AND I DID NOT GET ANY RESPONSE FROM THEM LETTING ME KNOW THE OUTCOME. SO I THEN CALLED WITH A FRIEND OF MINE TO GAIN SOME HELP AND THEY SAID THAT THE CHARGES WERE TOO OLD AND THEY COULDNT HELP ME. I AM XXXX AND HAVE BEEN THROUGH SO MUCH WITH THE CREDIT CARD COMPANY THEY WERE VERY MEAN TO ME TALKING DOWN ON ME AND IM SO  STRESSED OUT ABOUT ALL THIS. I WILL LIST ALL THE TRANSACTIONS THAT WERE MADE ON MY ACCOUNT ; FROM XXXX CREDIT CARD ; XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX THIS IS ALL THE CHARGES THAT WERE MADE ON MY ACCOUNT THROUGH THE YEARS OF ALL THE MONEY THAT WAS STOLEN FROM ME TOTAL OF XXXX AND THE CREDIT CARD COMPANY WILL NOT HELP ME WITH NOTHING. THIS IS VERY UPSETTING AND IT MAKES ME SO UPSET HOW THEY TREATED ME AS THERE CLIENT AND NOW THAT IM XXXX THEY TELL ME I FORGOT I DID ALL THIS AND TOLD ME SOMETHING IS WRONG WITH ME AND I NEED TO GO IN A NUSRING HOME. THIS IS JUST NOT RIGHT. PLEASE HELP ME GET ALL MY MONEY BACK THAT WAS TAKEN FROM ME OVER THE YEARS PLEASE.

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 09/23/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Demands I send them money using a prepaid credit card instead of me sending them payments through my bill payer. It 's a credit card debt I had several ago and they XXXX XXXX XXXX XXXX. They have just started calling me this month.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Around XX/XX/XXXX or XX/XX/2016, I had received a bogus billing from XXXX # XXXX regarding a {$230.00} bill with XXXX. I immediately called XXXX @ XXXX, explained that I had never had an account with XXXX XXXX and received their statement that their records would be corrected and the matter would be resolved. Shortly thereafter, I received a bill from my XXXX Credit Card and I noted that my XXXX d fallen about XXXX points to the XXXX range, so I ordered my free credit reports from the XXXX credit bureaus to investigate the situation. I received the credit reports and noted the bogus report from XXXX on XXXX reports, XXXX & TransUnion, so I filed disputes with both companies XXXX had the item deleted, but TransUnion just added a note that " acct was disputed by Consumer '' with a removal date of XXXX. On XX/XX/2016 I filed a second dispute with TransUnion and n XX/XX/2016 I sent a formal complaint to XXXX, with no reply to date. My XXXX score remains at XXXX, due to this bogus reporting by XXXX. Your assisting in deleting this bogus report from my TransUnion account would be greatly appreciated! Sincerely 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 explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX/XXXX/2017 I submited an order online with XXXX XXXX XXXX. I received a " Happy Birthday '' {$15.00} NO EXCLUSIONS coupon. After submitting my order for {$100.00}, I checked the confirmation email and the coupon was not reflecting. 
Called XXXX XXXX XXXX and spoke to an agent who said that there are exclusions and to read the back. I told XXXX this is misleading because there is no indication on the front of the coupon where it says NO EXCLUSIONS in capital letters. I asked him to cancel my order, he said he could n't and that when I receive it I can return it to any store. This was not acceptable to me so I asked to speak to a Supervisor. He placed me on hold for about 2 minutes and came back to say that a Supervisor was not available, they were all busy and he would put in a request so one could call me back in 48 hours. Not acceptable and not good customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with Alorica Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Im not sure what this medical bill is for being Ive not received any mail stating I owe them XXXX,XXXX,XXXX & XXXX dollars..The opening ddats on my credit report states it was on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX..I have gone thru a divorce & at those times of dates I was from homeless shelters being I had no family friends to help me ... I am trying to take care of my bills along with fixing my credit so that I can rent a place being I live in a hotel because no one will rent to me because of mostly medical bills on my credit report

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 10/15/2015 about Mortgage (Conventional fixed mortgage) with FIRSTBANK PUERTO RICO (PR).
Issue: Loan servicing, payments, escrow account

Complaint: First Bank placed an insurance policy on my property, even though I already had another policy covering the same risks and limits. This same bank made payments on both policies and is refusing to cancel theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Some of these debts have been removed/deleted from my report, I still should n't be seeing them!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I have recently subscribe to a " sports package '' of television channels with the XXXX co. I soon came to find out that I was getting revolting political comentary on the sports channel that I 'm paying for. When I went to cancel the subscription package with XXXX they told me that XXXX ) I would be charged a higher monthly fee if I try to cancel XXXX and XXXX ) if I cancel my service with XXXX that I would have to pay an early cancellation fee of {$220.00} dollars or else they would do harm to my credit rating. I feel as though XXXX is the one that broke the contract with me for providing revolting political commentary on what I thought was going to be a " sports '' channel. 
Please help me end my service with XXXX in a way that prevents them from doing harm to my credit report. 
thanks you 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 explanation
Consumer complaint received 02-04-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Account was closed due to fraud activity per bank of america, Check was deposit into account & funds was never withdrawn from the account and when check was returned, account was closed. Was made aware the account was overdrawn in the amount of {$64.00} on XX/XX/XXXX 30 days before account was reported to XXXX in the amount of {$1400.00}, Contacted bank on XX/XX/XXXX to dispute account was dispute was denied. Contacted XXXX on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX to file a dispute and dispute was denied. Please see email below received by BOA Bank of America Activity Alert PERSONAL CHECKING/SAVINGS ACCOUNT ending in XXXX Your account is overdrawn XXXX XXXX, We're letting you know your account is overdrawn and has insufficient funds. 
Here are the details of the activity : Insufficient funds amount : {$64.00} Fee assessed : {$0.00} Transaction paid : Yes Date : XX/XX/XXXX To prevent any additional fees and missed payments : 1. If you haven't done so already, deposit or transfer funds to bring your balance positive within 5 business days from the date shown above. Otherwise you'll receive an Extended Overdrawn Balance Charge. This charge would be in addition to any overdraft item fees already applied.

2. To keep scheduled online bill payments from being canceled due to insufficient funds, sign in to Online Banking Bill Pay to re-establish any recurring bill payments that weren't processed.

You can sign in to Online or Mobile Banking to review this activity, or contact us for help.

Security Icon Security Checkpoint To confirm the authenticity of messages from us, always look for this Security Checkpoint. You last signed in to Online Banking on XX/XX/XXXX.

Remember : Always look for your SiteKey before entering your Passcode. We'll ask you for your Online ID and Passcode when you sign in. 
This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. 
Read our Privacy Notice. 
Please don't reply directly to this automatically generated email message. 
Bank of America Email, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, N.A. Member FDIC. Equal Housing Lender XX/XX/XXXX XXXX XXXX XXXX XXXX. All rights reserved. 
This email was sent to : 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 explanation
Consumer complaint received 10-11-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This started with a purchase of my home. In order to be approved for the mortgage, I had to pay off all of my debt. I called XXXX XXXX XXXX, which is through BofA, and was informed my balance and payoff was {$1300.00} and so, I wrote a check out to XXXX and wrote ACCORD AND SATISFACTION and wanted the account closed. Instead, XXXX sends me a new card and then sends me a statement indicating that {$1300.00} was not the payoff amount and that I owed MORE MONEY and now, they are sending me to collections. The Check Number XXXX, dated XX/XX/XXXX was cashed. 

Now, I am receiving correspondence from Bank of America, which is enclosed, account number ending XXXX, Case Number XXXX, indicating they are notifying all Credit Reporting Agencies that my credit is now damaged and depreciated. I had already notified the Credit agencies of this dispute. 

I am attaching the correspondence which is connected to Case Number ID 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
Consumer complaint received 02/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Using a debit or ATM card

Complaint: The information associated with each electronic transaction is no longer enough to use for personal protection from fraud. For instance, an entry dated XXXX/XXXX/16 from my bank ( Wells Fargo ) that supposedly tells me what a debit card transaction was for, reads as follows : " PURCHASE AUTHORIZED ON XXXX XXXX XXXX XXXX MD XXXX CARD XXXX CATEGORY BOOKS/MAGAZINES/NEWS '' There is absolutely nothing in this entry that gives me a recognizable name of the business where the card was used. Further, I did not choose the category that was assigned. Nor is there a contact phone number, which used to be given as a matter of course. In other words, I have no way of checking whether this is a legitimate transaction or not. If I were to call the bank, which I have done on other occasions, they have no more information than is listed here. I have not disputed this entry because I remember that I purchased greeting cards on XXXX for a small amount of money. Greeting cards correspond to the assigned category, but the purchase was not in XXXX and there is no store name ( it was XXXX ), so I 'm really taking a leap of faith here. It 's not enough money to spend the time on disputing it. I 'm bringing it to you because it 's such a clear example of the problem I see. 

An entry that I did dispute last fall had the transaction categorized as a credit card payment to a company I did not have a credit card with. I eventually realized that the amount corresponded to an automatic transfer to a SAVINGS ACCOUNT at that company ( XXXX XXXX XXXX ). But Wells Fargo never was able to put that information together. I withdrew the dispute, but I was the one who figured it out, not them. Wells Fargo said they had no control over the information that came from XXXX XXXX. XXXX XXXX said they had no control over how Wells Fargo processed the information given to them. I wasted a lot of time on something that could have been a real problem, but obviously was n't if the correct facts were transferred from one bank to the other. 

I ca n't protect myself from fraud without facts. Do n't know if there are regulations associated with this issue, but if there are n't there should be. Please help!

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