milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Payoff process

Complaint: Dear CFPB : FYI - Here is my self explanatory follow-up letter to XXXX XXXX at Citibank for my case # XXXX regarding my Citi Card account. I would appreciate your follow-up with Citibank, as I still think their practices with seniors and others financially damaged by circumstances beyond their control are abusive and predatory. I removed my letterhead and signature along with my Citi account # before sending a copy of this letter to you. Feel free to share this information with those deemed appropriate and to add this letter to your database for complaints against Citi. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Consumer Loan (Vehicle loan) with MarkOne Holdings, LLC (NM).
Issue: Problems when you are unable to pay

Complaint: We had a vehicle loan charged off in 2009. The loan company Iis inaccurately reporting this on our credit report. They arecontinuing to show this as a current loan and are inaccuratelyreporting the balance that was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: There was a count that was open with Capital One and the year of XXXX or XXXX at the time I was XXXX or XXXX years old I tried to dispute the account many times but count to one refused to take it off my credit maybe a XXXX ago or two XXXX ago I called Capital One and discuss with them that this was not my account and I 'm under age of the time the account was opened and I do n't know who opened the account the later who I 've spoken to was very very rude and she and she was pushy about the account she went ahead and told me that normally people who open account to other people 's names do not typically pay on these accounts which they made a payment or {$25.00} XXXX time so I want on to express to her just because someone made account when just because someone make a payment or account or {$25.00} you 're telling me my identity was not stolen she went on to tell me several purchases that were made on the account which I never made the told me that was sending letter in the mail to my house in an envelope from the credit room I never said the envelope in the mail from anyone I 'm sure this because I checked my mail daily looking for this note I think it is very unfair that someone opened a credit card in my name in at the age of XXXX XXXX XXXX I ca n't even get credit cards because someone decided to make a credit card in my name and that the credit bureau Capital One have in place we 're not protect people and help them thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have attempted to access my credit report multiple times. The information that they use to verify your identity is completely NOT MINE. I have requested they fix this, most recently a month ago. This has been going on for years. There is another person in a neighboring city with the same name as I have, but without the suffix XXXX. I am attempting to verify and I have included the questions below, which none apply to me : Your credit file indicates you may have a mortgage loan, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX OF OKLAHOMA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE What is the total monthly payment for the above-referenced account? 
{$1300.00} - {$1400.00} {$1400.00} - {$1500.00} {$1500.00} - {$1600.00} {$1600.00} - {$1700.00} NONE OF THE ABOVE Your credit file indicates you may have a retail card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE Your credit file indicates you may have a bank card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE THEY REFUSE TO FIX IT. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was obtained by Green Tree LLC in good standing. On my first bill they immediately asserted that a payment already made to, and processed by, the previous servicer was late. I called them as soon as I received the bill to complain of the error and was told by a representative " not to worry '' and that " it was simply working it 's way through the slow computer system '' and he 'd " look into it. '' I called my pervious servicer and they readily sent me full documentation as prof that the payment in question had been made in full and transferred to Green Tree. However I continued receive late notices for the " missing '' payment and was then sent a notice of default by Green Tree that encouraged me to refinance. I called again and was told that now only a portion of the payment was missing and that " maybe my pervious servicer has simply forgotten to charge me for that portion '' ( again, I have documentation that the payment was made in full, and transferred in completely good standing ). 

I then sent a formal letter explaining that they had sent a notice of default in error and laid out the history of the account and it 's payments. I additionally sent the documentation from the former servicer that the payment in question had been paid and transferred in full. I contacted the first representative I had spoken with weeks ago to and got an address to send the letter to as well as a fax number. I sent that letter and documentation in hard copy to each Green Tree office that had been in contact with me. I sent it over their website with their internal messaging service. I faxed that letter along with the documentation from the former servicer and a statement from my bank showing the full deduction to a fax number given to me by the phone representative. 

For days I have called, left messages, and even had XXXX customer service rep send my account manager an email on my behalf, I have yet to reach or hear back from my account manager to acknowledge my formal complaint. 

I initially contacted Green Tree to orally notify them of their billing error 4 weeks ago, I was advised to do nothing. In that time they did not cease to seek payment ( they escalated to default ) and they clearly did not look into the very simple and well-documented case. With further investigation I found that the actions taken by Green Tree in regards to providing me with information on how to file a complaint, and in misrepresenting the charges to my account seem to be a common problem. Their actions seem to also be in direct violation of the court mandate in the case brought against Green Tree this year ( 2015 ) by the FTC and the CFPB ( Thinking of section XXXX. XXXX ). Green Tree 's handling of my account thus far demonstrates a continued negligence ( at best ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2008 we moved out of our home in NJ, requiring the return of a cable box to XXXX. I have a receipt from when the box was returned. I tried explaining to XXXX XXXX, the collection agency retained to service this account, that I paid this amount in full but they refused to listen. I disputed according to credit bureau instructions but XXXX XXXX refuses to even investigate. This has done significant damage to my otherwise perfect credit in the past 4 years and I demand this be corrected and removed from my bureau report. I should also be compensated given their obstinacy in recognizing my case is unjustified to be in a collections status.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been denied access to the Home Loan Modification Status iportal for borrowers My Documents tab since XXXX XXXX, 2016 after submitting several documents. I have repeatedly requested my access to the Bank of America created, maintained and managed borrowers iportal, but my requests have been ignored. While I am able to log in to the borrowers iportal and access every other tabs, such as the My Application Status tab, I can not gain access to the My Documents tab page. Apparently Bank of America has locked me out and intentionally denied access to this tab page within the iportal. This intentional lock out and lack of access effectively prevents me from uploading documents, checking the status of my home loan mortgage account information including, but not limited to, the current modification status and who the currently assigned single point of contact is along with their contact information. 
Unblock and unlock the My Documents tab page within the borrowers Home Loan Modification Status iportal upon receipt of this request to do so and ensure that I am not denied full access to the entire borrowers Home Loan Modification Status iportal in the future. 
BLOCK AND LOCK OUT OF THE MY DOCUMENTS TAB ON IPORTAL

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 05-12-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: Chase mortgage released my mortgage and deed information to an entity that requested it. An email address that is not mine was provided. after the fact, Chase notified me via email that Chase had released all my mortgage and deed information to this email that was not on recorded. When I called Chase to inform them I had not requested this information be sent they told me it was not their fault because the scammer had provided my identifier information except for the incorrect email address.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Closing on a mortgage

Complaint: Wells Fargo Home Mortgage Response on complaint # XXXX is that wells fargo home mortgage does not answer the question at hand with the document that has been stated to make the instrument legally binding. Wells fargo home mortgage avoids the issue of forged document on there part. were not talking about no Foreclosed inXX/XX/XXXX. Stop playing games and making up false things that's not address. Were talking about the California All purpose certificate of acknowledgement is not my signature was this ever presented to me at closing or any time. Wells fargo has yet to provide all the closing documents back in XX/XX/XXXX. I have my originals in the package that was giving to me and there are over 20 lines and documents not sign. Wells fargo home mortgage claims there was only one signature line for a signer as on the California all purpose certificate of acknowledgement. They yet to prove that's my signature on the California all purpose certificate of acknowledgement as I appeared personally and sign. lets stop playing games as if I sign that document and provide proof to the document is my signature for the said instrument. Wells fargo claims they been trying to call stop playing games provide proof as well. 
Wells fargo needs to provide the documents I sign and have back in XX/XX/XXXX and explain why there are so many signatures pages left blank not some documents they forged after the facts. I need the original closing documents. Not every time trying to send some documents in XX/XX/XXXX that's not what were talking about. I still have mail sent US REG mail to wells fargo that's was not answered back in XX/XX/XXXX to this matter. Wells fargo never wants to provide the documents ask its always some game with documents not ask for. Wells fargo stated I sign so prove its my signature and provide documented proof from an document examiner that its my signature and stop sending excuses and documents that's not what the issue is about. there has yet to be a real truthful answer or proof by wells fargo. stick ton XX/XX/XXXXdocuments and stop playing games and lies of calling what are you calling for its simple provide only the documents you gave me in XX/XX/XXXX I have all mine s only the closing documents nothing else.

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 10/26/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (AL).
Issue: Managing, opening, or closing account

Complaint: Rush card 's systems were down for maintenance but when they became operational again they no longer allowed me access to my funds. I misplaced my card and blocked its usage online to prevent fraud and am now being told my account can not be unblocked. Every representative I 've spoken with claims they ca n't even view my account however thy insist and often times transfer with out approval or notice. I have been forced to wait for ridiculous hold times exceeding XXXX minutes to an hour and a half and have been hung-up on and refused the assistance of a Supervisor. I was told, " You have all of the information you need so there is no need to transfer you to a supervisor ''. All I want is MY hard-earned money off of this card. Some sort of compensation for this ordeal would be nice but I 'm not going to hold my breath.. These people are unprofessional, incompetent, rude, obnoxious and the list can go on and on. Any assistance you can provide would be helpful and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: On XXXX of my credit card I have set up auto payment. Recently they will not let you enroll an amount over the minimum payment. You must log back on to the site after the minimum is made to make additional payment over the minimum. If you do this. Then what they do the next payment cycle is reduce your minimum by the extra you paid over the last months minimum. Example- if minimum is XXXX a month due on the XXXX. Your auto payment will be made for XXXX. They will not let you set up any amount over the minimum so you must log back on after the XXXX and make another payment. If you make an additional XXXX on the XXXX. They will then reduce your next months minimum to XXXX. Or if your amount you pay is twice the minimum or more they will not take out any funds the next month. Thus forcing you to log on once again to make a payment, because they will not auto pay that month.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Debt collection (Medical) with Credence Resource Management, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX CLAIMS THEY GAVE THEIR SERVICE TO ME IN THE STATE MICHIGAN. I HAVE NEVER BEEN IN THAT STATE SO I AM NOT THE ONE THAT THEY GAVE THAT SERVICE TO .SO I FEEL I AM NOT THE ONE TO PAY THIS BILL

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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have been speaking to   XXXX   in the fraud department at   XXXX   XXXX  . I have sent several documents. There is an account that was opened in  XXXX  that was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. On XX/XX/XXXX  I sent  in 3 bills, 2 water and one car insurance bill. I received proof that it was received. I waited to hear back   from   XXXX   and after 30 days she did not respond so I sent her a letter on XX/XX/XXXX  that I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (CT).
Issue: Problems when you are unable to pay

Complaint: My account with BMWF is currently past due, payment is due for XXXX, XXXX and XXXX. The vehicle, a 2017 BMW M240i, is currently in storage at the dealership as it can not be registered until property tax is paid, which is around XXXX currently. This tax bill is due for a prior vehicle which was totaled on XX/XX/XXXX, a 2015 BMW M235i. BMWF is aware this vehicle is totaled and I have requested a settlement amount for payment due on that account but have not heard back. The last rep I spoke with named XXXX was advised of the situation in regard to XXXX vehicle and told me repossession would take place if account goes 60 days past due. Please note, prior reps were also advised of situation regarding vehicle in storage/registration/property tax due but may not have noted it. I am currently awaiting a settlement from attorney in regard to XXXX vehicle loss and injuries sustained from accident. I expect check this week, XX/XX/XXXX to the XXXX, but will need some leeway for the time being. Please request BMWF to allow me more time before any repossession occurs. I believe this is fair, considering I have not been in possession of vehicle, it is and has been at dealership since XX/XX/XXXX. I expect to have tax bill paid and towed this week as well, once settlement check is received and cashed..

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I just received notice that my existing CFPB Complaint # XXXX is closed and Bank of America has still continued to report erroneous ratings to XXXX for my mortgage account. They acknowledged the reporting was not correct and that corrections were made, but this is not the case. Please assist in having them comply, they have violated by rights under Bankruptcy already and I do n't feel they are completing the tasks that they promised on.

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 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I BUYER MY HOME IN  XXXX   2007  AND GOT MORTGAGE WITH  XXXX . THE MORTGAGE WAS TRANSFER TO  XXXX . IN MY CREDIT REPORT I HAVE  XXXX  MORTGAGE COMPANIES OPEN FOR THE SAME TERMS AND AMOUNT. DATE -  XXXX   2007 , AMOUNT - {$490000.00}. I HAVE REPORTED TO EQUIFAX WITHOUT ANY ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (I do not know) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First National Collection Bureau, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several companies that have been pulling my credit without authorization. I am not using them for anything, so it is not necessary for them to pull my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed XXXX XXXX XXXX a balance of {$19.00} which was a " final bill '' sent to me and due on XXXX/XXXX/2014. Before moving from our residence, THIS BILL WAS PAID IN FULL ON XXXX/XXXX/2014, and closed. 

XXXX XXXX XXXX has sent my acct to a collection agency ( AWA collections ) showing an inaccurate balance owed of {$260.00}

Company response to consumer: Closed with explanation