milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: I am a Florida resident and former homeowner ( who just sold my home XXXX, XXXX ). I had filed for a home loan modification under the XXXX XXXX bailout " HELP FOR HOMEOWNERS '' in XXXX, XXXX ( after Bank of America was bailed out by the federal government and given hundreds of billions of dollars to HELP HOMEOWNERS ). 

Bank of America however never helped me. All I requested was that my original home equity mortgage payment of {$340.00} a month be restored. However Bank of America increased my mortgage payment threefold to {$1200.00} a month and threatened to foreclose on my home. In good faith, I listed my home for sale, successfully sold my home XXXX XXXX, XXXX ), and paid off the Bank of America equity line mortgage in full. 

However upon the closing statement with Bank of America, I see the following fraudulent charges I am now disputing and seek to be refunded in full by Bank of America XXXX and along with treble damages ). 

- Foreclosure Fees {$260.00} - Uncollected Fees {$1900.00} - Subtotal {$2100.00} Total times 3 ( for XXXX damages for consumer fraud ) = {$6500.00} My loan number with Bank of America is XXXX. My case number with Bank of America 's escalation department is XXXX. My closing statement wherein documentation as to my having paid off Bank of America in full ( along with their fraudulent fees, documented above ) is herewith attached. 

I have repeatedly phoned Bank of America speaking to the following representatives in the mortgage, foreclosure and " customer service '' departments XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all of which thus far have done absolutely NOTHING ). 

Please investigate Bank of America for bank and consumer fraud as this type of activity has been going on for years, which I have personally experienced with the lender XXXX bailed out by the federal government and simultaneously lying to, deceiving and defrauding American citizens throughout the nation daily ). 

Bank of America must be brought to justice and a class action lawsuit commenced to ensure defrauded citizens are repaid and monies stolen by Bank of America returned and restored to hardworking American citizens. 

Respectfully, XXXX XXXX XXXX XXXX www.Linkedin.com/in/worldproperties XXXX XXXX XXXX is a certified Florida XXXX XXXX, XXXX XXXX XXXX, Wellness Trainer, XXXX XXXX, and Author of more than 20 books who has touched 76 countries serving the U.S. Military, Companies, Cruise Lines, and Universities across the globe.

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 08/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold checking account after receiving a promotion offer for XXXX XXXX XXXX miles. I met the requirements of the promotion and sent a message to Citi to verify that the requirements have been met and the miles will post. Citi replied that the requirements were met and I should expect the points by the end of XXXX. When the miles did n't post I contacted Citi again and was told they do n't see that I was targeted for the promotion and will not receive the miles. I tried explaining to them that I have the message from them showing that I met the requirements and promising the points will post but they are not willing to honor their offer. 
Citi claims they gave me XXXX points, however this was not the promotion promised to me on sign up. Citi needs to keep their promise and give me the XXXX miles.

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 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: the late on my macys account is inaccurate i have tried to called the creditor and they sent me a letter hence attached for which they approved of being inaccurate and removed from bureaus. 
but the bureau are not cooperating to have this removed please help me to remove thank you

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 05-11-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have student loan accounts on file with Equifax that are being reported incorrectly and to old to be on file. The accounts that I am disputing are student loan accounts from XXXX which are the following : XXXX, opened in XXXX in the amount of XXXX ; XXXX opened in XXXX in the amount of XXXX ; XXXX in the amount of XXXX ; XXXX in the amount of XXXX. In XXXX XXXX, I filed a chapter XXXX bankruptcy which was dismissed in XXXX XXXX. The above mentioned student loans were included in the bankruptcy petition. As of XXXX XXXX, all of my student loans was consolidated with XXXX XXXX XXXX which is currently on my equifax report as well with these amounts included. I disputed the information with equifax and they sent me a report saying that the information that they have on file is currently correct. They are currently reported these accounts as negative and included in wage earner plan, when in fact they should be paid, closed or transferred to another lender like the rest of my student loan are. Additionally, these loans were first opened in XX/XX/XXXX and XX/XX/XXXX and they are too old to even be on the credit file. It appears as though equifax is not correctly investigating this information, especially if they are saying that these accounts are still included in a bankruptcy wage earner plan that does not exist. These accounts are reflecting negatively on my credit file and by right they should be removed being that they are so old, but atleast Equifax should investigate and report them correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a chapter XXXX Bankruptcy on my credit bureau that does not belong to me. I have disputed the incorrect information several times and each time the credit bureau responds that it is verified. How can they verify something that is not correct? Apparently the law does not state how they are allowed to verify a bankruptcy and because the court does not verify they can use any 3rd party service they want to so called verify it. This is according to the credit bureau themselves, so not that they care its wrong as long as they verify it from some hack third party verification service that has it wrong. This misinformation has haunted my credit bureau for almost 7 years and I cant believe that a credit bureau has this much power and makes it so hard to get incorrect information off a report. The law needs to change and bureaus held accountable.

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 05/19/2015 about Debt collection (I do not know) with PRESTIGE FINANCIAL SERVICES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed the issue with the company. However, I have not received any correspondence. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Prestige '' XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MO).
Issue: Trouble during payment process

Complaint: {$860.00} has been paid to Carrington Mortgage LLC since they took over my mortgage from XXXX XXXX XXXX. They have taken more money than what is required for the monthly payments yet it does not reflect the payment amount made on Carrington 's website. The principal has increased on the house for no reason and when I asked XXXX XXXX for an inquiry, Carrington mortgage refused to comply with credit karma and the account of Carrington Mortgage was removed and they no longer report on my credit report. But what is the most concerning issue is the raising of the principal on house, it is not an accounting error, is it a deliberate act of hiding the payment, the amount and the transaction. <P/>I have records of every payment thru XXXX XXXX, please contact me or XXXX and I will release that information as necessary. <P/>Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Good Morning, I pulled my credit bureau report from XXXX and I discovered EOS-CCA had a debt account inherited from XXXX XXXX XXXX tied to me. All information and letters stating I had an account in collections with them never reached me as they were sending all correspondence to an address inhabited by other parties and not owned by myself. They refuse to acknowledge the fact that I never received any correspondence and have the documentation to prove I was on a lease in another city as well as employment information that I am employed in another city so I was not able to receive any correspondence to handle this issue before they submitted my account to the credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Trouble during payment process

Complaint: CFPB, My girlfriend and I had purchased a home back in XXXX XXXX from XXXX XXXX XXXX. We had selected to finance with XXXX XXXX XXXX XXXX and go with the escrow account option. Both of us are co-owners of the home and our names were both added to the loan account. For XXXX, our taxes were properly taken care of by XXXX XXXX XXXX XXXX without any outstanding or delinquent tax balances. Around XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX had sold our loan to Flagstar Bank. Throughout XXXX we continued to pay our monthly mortgage ( principal + interest + escrow ) in a timely manner, without missing a single payment. Flagstar Bank paid the taxes for both the XXXX XXXX XXXX XXXX {$1500.00} on XXXX/XXXX/XXXX ) and XXXX ( {$820.00} on XXXX ) taxes at the end of the year. There was a tax surplus in the escrow account and I was cut a check for {$3500.00} on XXXX. Starting around XXXX XXXX, my girlfriend started receiving letters from both the XXXX XXXX County tax collector and attorneys harassing her to pay delinquent taxes from XXXX. Concerned, I gave the FlagstaXXXX Bank tax department a call to confirm that all XXXX taxes were paid for. They re-assured me that all taxes were taken care of for both my girlfriend and me. With that said, we rest assured thinking that everything was okay. However, we continued to receive letters each month, reminding us that my girlfriend still owes a total of {$2200.00} XXXX {$630.00} + {$1600.00} ), XXXX and XXXX XXXX taxes respectively. Today ( XXXX ), I called Flagstar Bank again and they re-assured me that all taxes for XXXX were paid for. Immediately after the call, I started reviewing the letters thoroughly again. I jumped back in forth from the XXXX XXXX County tax website to my Flagstar Bank online loan account. I noticed that both my girlfriend and I have TWO separate tax accounts for XXXX XXXX County. I checked my online mortgage account on the Flagstar Bank website and I found that only my tax account number was present but not my girlfriends yet both our names are under the same mortgage loan. I am not sure what exactly happened but it would appeared that Flagstar Bank did n't include my girlfriend 's tax account on the same mortgage loan account, resulting in only the tax amount of {$2400.00} paid for XXXX and the {$2200.00} amount still unpaid under her tax account. Please help us resolve this issue, as we did our part in paying the monthly mortgage every month on time. The responsibility was in Flagstar Bank 's court to correctly disburse tax payments to cover both my girlfriend and me. Now we are suffering the repercussions of her taxes being delinquent because our mortgage account was n't correctly configured to include both our tax accounts. Thank you.

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 05/17/2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (ID).
Issue: Shopping for a loan or lease

Complaint: I went into XXXX XXXX of XXXX 3 years ago to buy a car. I told them I did n't want a leased car I did n't need XXXX my credit was exceptional. I am elderly and can not see very well out of XXXX eye and I did not see that the contract was for a leased car and the salesman kept covering up the paperwork. So I tried for 3 years to get out of the contract and I went to another car dealer XXXX XXXX and they said they could get me out the lease and before I knew it they stuck me in another car. They told me that they could n't bring the leased car on their lot and I had to sell it in XXXX 's parking lot in XXXX, Idaho or in my driveway. The salesman said he could sell it in XXXX 's parking or in my driveway and could get me some extra money then he said he would take it back. His name was XXXX and he was a floater ( whatever that means ). Then he said he was bringing people to my house to look at the car and then he later told me the people bought a car at XXXX XXXX instead. Then I found out I was being charged insurance for XXXX cars because they were XXXX in my name. I took the car back to XXXX XXXX in XXXX 2015 and returned it and I did not make the last XXXX payments because they had the car. The car was in excellent shape when I returned the car with XXXX miles on it and now Ford Credit says I owe {$870.00} for repairs to the car mats and damage to the car. I am a XXXX living on a fixed income and was not able to pay it. They started sending me threatening letters and said they would zero out my credit. I feel that I was taken advantage of from the beginning I told them I did not want a leased car. My daughter had to pay the money because they were threatening to put a lien on my house and I have a reverse mortgage and I can not have liens on it or I will loose my house. I am finding out from other elderly people they have been treated the same way by these car dealerships and we have no voice. I have complained to the XXXX and they could n't do anything. I also filled out paperwork and sent it to the Idaho XXXX about XXXX weeks ago and have not received a reply yet. I called them and they did n't seem to care about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (NJ).
Issue: Struggling to pay mortgage

Complaint: CitiMortgage, Inc. has a credit-line/mortgage of around {$500000.00} on my home at XXXX XXXX in XXXX, NJ XXXX. Loan number XXXX # XXXX. 
I also have a {$400000.00} second credit-line/mortgage with XXXX. 
Since the financial disaster, values of houses had decline rapidly and have not returned to their value. 
My house is valued to date at around {$700000.00} - thus it is considered " under Water ''. 

I have been disabled a few years ago and my income has been greatly diminished. I currently get Social Security Disability income and some private disability insurance ( Expiring in 9 months upon my becoming XXXX. ) My wife, a psychologist, who was a principal of a school, lost her job recently as well. 

We are safe financially but are not able to pay the full rate of payment for both mortgages. Accordingly, since we are struggling, I applied for loan modification with Both ; Citimortgage and XXXX. XXXX approved me for a loan modification immediately, upon my first application, over two years ago. 
Citibank, on the other side, had been slow to respond and amidst a bad faith process, had denied me four times so far. 
I reported on their practices, but it is only this time, on my fifth application for loan modification, after replacing XXXX loan coordinators, did it come to my attention that I have been badly classified all together. 

In my conversation with my new loan officer, XXXX XXXX XXXXXXXX, told me that Citi is listed as SECOND lien on my house Loan. 
Accordingly, the XXXX ration, which was the basis for my denial, at 55 %, should not have applied and I should have been approved, since my XXXX has been far above the 31 % that FIrst lien mortgage applicants need to have their loan modification approved. 
In addition to many other wrong doings, such as requesting documents that do not relate to me, keep being requested, even after I told and wrote, numerous parties that they are NOT the one reporting on my taxes or that have any reference to me, they still pursue it. 
When I called supervisors and they told me that they would discuss it with the underwriters, my case was closed. 
At present, I demand that CItimortgage rectify its records, confirm my loan as first lien and approve my many a [ pplications that qualified, without starting yet another course of documents demands. 
I have been submitting everything requested, and every time they change a loan officer, new underwriters ask everything the same updatged. 
6 months later -I am at the same stage, without progress. 
Citimortgage 's records and methods of communication aside - my case is not straight forward and I request it being corrected without losing more time or new applications. 
Thank you XXXX XXXX and 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 explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 several times have requested XXXX XXXX and Experian to send me documentation to how and who verified this account. I have not got any documentation but only computer generated responses.

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 01-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: I recently pulled my credit report I found Bank Of America reporting a charge off as an authorized user the acct was opened XX/XX/XXXX and closed XX/XX/XXXX I never authorized anyone to put me on that acct please have them remove it aspa.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Credit line increase/decrease

Complaint: I had a couple late payments, but then would pay a large amount to knock down the balance and reduce the credit/balance percentage, but EVERY time I do that, they drop my limit down to a couple dollars over what I just lowered my balance to ... literally a few dollars! 

I 've been trying to get approved on an apartment, paid off most of my credit cards and paid down a couple, including my Lowe 's card after receiving a large paycheck for a project that was paid to me late. XXXX 2015 the balance was {$710.00} XXXX with a {$790.00} limit ) or so and so I paid {$220.00}, then another payment of {$240.00} in XXXX 2015, dropping the balance down to {$240.00} XXXX with a {$790.00} limit ) so that it would be a low percentage of my credit limit and help my credit score ... so days later they dropped my limit to {$250.00}! 

They have done this EVERY time I make any payment larger than the minimum ... it 's not once a year or any regularly set time. So after making this recent large payment, I 'm now " maxed out '' AGAIN and my credit score just dropped significantly more. 

I called them and they just gave me the address to write to the FCRA. 

This can not be legal. None of my other cards have ever done that ...

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX XXXXho conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Steward Financial Services LLC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.

Company response to consumer: Untimely response