milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2017 about Mortgage (Other type of mortgage) with AMERINATIONAL COMMUNITY SERVICES, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: I have  a   XXXX   XXXX   XXXX   hom e in  XXXX , CA and     XXXX     contracted with sub-servicer  AmeriNational  to handle my monthly payments. Due to job loss in   XX/XX/XXXX , I e nded up behind in payments. Back on track  in  XX/XX/XXXX , I re started making regular monthly payments - accepted without incident- until     XX/XX/XXXX / XX/XX/XXXX   when I received a letter from AmeriNational seeking a total of $ 23+K as an outstanding balance for one month  in  XX/XX/XXXX . I rep lied. We went back and forth. I asked for a loan modification. They sent an application. I completed it then returned it. They responded that they needed  by  XX/XX/XXXX  tax returns but a t that time I had not filed. In lieu, I sent in all the employment info/paystubs I had and when I did file  XX/XX/XXXX , I sent in copies. From there, everything went dormant for a couple months and no one from  AmeriNational  would tell me what they did with my app and why it was never processed. I filed a consumer complaint. The company 's rep responded online and said that they 'd resend another app " but it did n't mean I 'd get it ''. Never received it. I continued making monthly payments. They were received without incident. In   XX/XX/XXXX  , they sent that month 's payment back. Said they only wanted my defaulted payments. We went back and forth and I still sent in monthly payments. In   XX/XX/XXXX  , they retur ned  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  but not  XX/XX/XXXX .  Do n't know what happened to it. In the letter attached to those payments, they asked me to stop making payments all together. Shortly before this happened, they 'd referred me to HUD. I do n't have a HUD loan ...  .. H UD  's  site says " if your servicer asks you to stop payments that that 's illegal ''. I 've asked AmeriNat several times -in writing- if they partnered with any agency who can help me. I wrote to HUD. In their response, they indicated that my mortgage is n't FHA so I 'm not sure how AmeriNat categorizes it. I wrote them and asked what they did with all the other payments I 'd made. They wo n't say. They sent me a copy of a USPS receipt for mail they sent but my signature is n't on the form b/c I did n't receive anything. I told them this. No response. Along with that copy was a printout that I could n't even digest. They also wo n't say why they just wo n't move this defaulted amount to the end of my loan. I 've received letters from at least 4 different people in this company. At  one  point during  XX/XX/XXXX , they emailed that they 're no longer AmeriNational, they 're AmeriNat. This was after I wrote that I intended to report their activities to their executive  Board ( thos e identified on the AmeriNational website )  XX/XX/XXXX  says they do n't get involved. Just want to keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Making/receiving payments, sending money

Complaint: My complaint to XXXX about Bank Of America/MBNAas advised by XXXX XXXX XXXX and because the complaint was not undertheir jurisdiction. The XXXX actually referred the Bank OfAmerica/MBNA to my complaint which they did attended to but along the linethere was no further response from them. 

The Vice President of the Bank of America/MBNA XXXX XXXX XXXX wrote inin reply and other Customer services staff requesting for proof of my accountdetails and online account setup and it was sent to them appropriately, afterwardsthere was no reply to my submissions despite several reminder emails. 

Please, help to make them respond to my emails and reminder notes

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (HI).
Issue: Loan modification,collection,foreclosure

Complaint: My second mortgage Citimortgage. The terms of the loan is balloon for 15 years and will balloon within the 6 years. I am not qualified for refinance and the only option is modify the terms of the mortgage. This is my 4th year trying to modify the loan for the 2 years we did not really pursue all the way to the end because I was informed by Citi that iam not qualified because I have to be late to be able to qualified for modification.although we dont have no problem providing the requirements. The third year I finished the requirement and went thru all the way again it get denied because to be able qualified is to be late on the mortgage payment non was mention about modifying the XXXX mortgage prerequisite to modifying the second mortgage.I explained to Citi for not being late on my mortgage although I am not late in my mortgage I am very late on other things like our electricity, water, cable and other things. I am afraid that if I am late I do n't want my property to be foreclose and taken away that I worked so hard and this this property is where I lived. 
This year again in XXXX tried to inquire about modification I asked them if I they can mail me the modification pocket. The fist encounter there is application for modification. The second call is my wife talked to mortgage specialist then requested to modification pocket there is no problem Citi will send the modification pocket. For 2 weeks non was mailed to us as the mortgage specialist mention. Then my wife called for requested another specialist made an appointment at XXXX XXXX, XXXX instead calling my wife at the appointment she emailed my wife that she called my wife at XXXX XXXX, do n't know what time. My wife said she did not received that phone called nor have record that this Citi specialist was called So then my wife waited for the appointed on XXXX XXXX, at XXXX specialist did not call at the appointed so my wife preceded to call the Citi specialist asked Citi .why she did not call for the appointed time and why is it that Citi refuses to sent the modification pocket so we start the process of the modification. Citi said there is no application for the modification and said what is it that you want and Citi specialist said we are not QUALIFIED FOR THE MODIFICATION IF THE XXXX MORTGAGE IS NOT MODIFIED which is not mention from the previous request for modification. 
Here is my problem with Citimortgage1 ) Requiring to be late to be qualified for modification which in the last 3 years. 
2 ) Citi mortgage refuses to mail me the modification3 ) Citi specialist said to my wife not base on paper I was told this time modification is not option because the XXXX mortgage was not modify4 ) play musical chair, you are going right in the because it was intended not to be modified anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: BACKGROUND - I have an investment property located at XXXX XXXX XXXX in XXXX, Georgia that is currently in foreclosure. No sale date is currently scheduled. I requested approval for a short sale from the lender XXXX Wells Fargo XXXX - which was approved almost 2 years ago. I have had multiple sales contracts - but XXXX potential buyers eventually canceled because the process was taking so long ( they found other properties to buy ). I complained to the CEO and SVP in written letters on XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15. Each time I received a letter from XXXX XXXX XXXX - Senior Vice-President Wells Fargo Home Lending stating that she would investigate and get back to me. I have not heard back from XXXX XXXX XXXX with the results of any investigation. SPECIFICALLY - THIS IS MY CURRENT COMPLAINT AND REQUEST FOR ASSISTANCE : A short sale offer of $ XXXX was made on XXXX/XXXX/15. The buyer is a cash buyer and funds have been verified by Wells Fargo. On XXXX/XXXX/2015 my sales agent spoke to a Wells Fargo representative in the short sales department. As per the representative, the file was declined for the offer being too low. As per the underwriter, they want an offer of at least {$180000.00} as the current appraisal they conducted deems this to be at fair market value. Two key points. A short sale from another buyer WAS APPROVED by Wells Fargo and underwriter for the exact same amount ( $ XXXX ) on XXXX/XXXX/2015. XXXX The buyer canceled a few days later because they had been waiting since XXXX/XXXX/2014 and found another house to buy. ) A new appraisal HAD NOT BEEN DONE between the dates of XXXX/XXXX/2015 and XXXX/XXXX/2015. No material market conditions or home improvements have been made since XXXX/XXXX/2015. After waiting for almost 2 years - I would like to get this short sale finalized. The fact that Wells Fargo approved $ XXXX in XXXX, we received a new offer 2 months later for the same amount with a qualified buyer, and now that offer is being rejected - is not ethical. I would appreciate any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: XX/XX/2014 I had fraud and identity theft on my XXXX accounts XXXX with XXXX and XXXX with Bank of America. Police reports were filed people were convicted and restitution had been ordered. However XXXX cleared it up for me and sent me a letter stating they have cleared it up. Bank of America has refused to clear it up and it is still negative when I went to open a checking account a week ago. XXXX removed it but XXXX still has it in my profile.

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 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (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: XXXX XXXX XXXX dated XXXX/XXXX/XXXX, file number XXXX, letter states that I 'D Theft Afidavit from Police Report, and does not meet their standards as a valid Identity Theft Report. XXXX XXXX and XXXX, accept the information as well as resolved the issue, why would XXXX XXXX have a different standard, and not except the same information that has been approved and processed by other CRA 's

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 05/27/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have had nothing but denials from Eqifax , Inc. attempting to dispute credit information on their dispute website. Each time I try to identify myself, on their automated system, it will ask ridiculous questions regarding credit information. I answer the questions correctly. Each time it indicates it can not " identify me ''. Here is an excerpt from their page. 
" Great! We 've found your fileNow we just need to verify you are accessing your own file. The following questions are based on information on your file, and only you should know the answers to them. 
1. Your credit file indicates you may have an auto loan/lease, opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX XXXX OF THE ABOVE2. What is the total monthly payment for the above-referenced account? 
{$800.00} - {$840.00} {$850.00} - {$890.00} {$900.00} - {$940.00} {$950.00} - $ XXXXNONE OF THE ABOVE3. Your credit file indicates you may have an installment account ( personal loans, electronic/appliance accounts, jeweler accounts, auto loans, etc. ), opened in or around XXXX XXXX Who is the credit provider for this account? 
XXXX OF THE ABOVE4. What is the total monthly payment for the above-referenced account? 
{$750.00} - {$790.00} {$800.00} - {$840.00} {$850.00} - {$890.00} {$900.00} - $ XXXXNONE OF THE ABOVE '' I answer all of the questions correctly. I have gone through this process XXXX separate times. 
Each time I get the following message : '' The information you provided does not match our records so we are unable to process your request online. " " Please FAX your dispute and a copy of your driver 's license to XXXX XXXX. " Equifax HAS this information ON FILE. This was completed several months ago. It was explained to me it would never happen again. They admitted they had transposed my social security number. Equifax should be held accountable for their egregious business practices. Any assistance with this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My loan for my home was with XXXX XXXX XXXX. It was sold recently to XXXX I was working with company to do a modification, because of problem, s I was in forclosure..I mailed and faxed all my info to complete the modification. 
They sold the servicing rights XXXX this is the worst company, every day i call they tell me they dont have my information from the previous service company. 

in the mean tome my house is still in foreclusure and my attorney says it will be sold if i do not receive a modifcation. 
But everytime i call they tell me they dont have my information from previous servicer.. 
They are holding me XXXX. 
i need help, Plus I told them that I want to make a payment,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Delinquent account

Complaint: I would like your assistance in obtain feedback from this company as to why they are reporting a charged off and out of date account that has been on my credit files since XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Money transfers (Domestic (US) money transfer) with U.S. BANCORP (WI).
Issue: Other transaction issues

Complaint: Overview : I have been dealing with debt due to a disagreement between XXXX financial institutions over a credit card balance transfer where neither financial institution is taking responsibility for the amount of the transfer. As such, I am accruing interest from both institutions ' accounts for several months because I 'm unsure which account will be able to reimburse me in the end. 

-- - Details : After I signed up for a credit card through Associated Bank ( AB ), as part of an associated promotion, I opted to have a balance transfer from my Associated Bank Visa credit card account to another financial institution, XXXX, to reduce the balance on my XXXX XXXX XXXX credit card account. 

A balance transfer check for {$6500.00} was sent from AB to XXXX on XX/XX/2016. A week later I noticed the balance was added to my AB account, but it was not removed from my XXXX account. I corresponded with both institutions : XXXX recommends I ask AB for proof about the transfer and fax the proof to them. AB reports that their records that the check was cashed on XX/XX/2016, and they send me a photocopy of the check. I faxed the check to XXXX, and they write back deny having cashed it and claims it was canceled. Speaking with both customer service teams thereafter has led nowhere, where each institution simply recommends I need to speak with the other to seek 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 monetary relief
Consumer complaint received 05/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I recently heard about identy thefts while preparing for a refi home loan and decided to sign up for credit monitoring with Transunion. I attempted to pay the XXXX monthly fee but it told me we can not offer you this at this moment to call them. I called them several times today XXXX/XXXX/XXXX and they told me it was company policy to ban me for life from the credit monitoring. they then told me nothing could be done about this. I told them I have n't looked at my credit since XX/XX/XXXX and they said they were sorry but the system could n't be fixed to allow me access to the monitoring service offered by Transunion. I told them that I went to the free ones and information was out dated and I wanted to go the the most reliable place to go. I do not understand why I am being black listed and for what reason they would ban me. I did some research online and found that others were banned from checking their credit to often. well I have to admit I was on true credit back then and I checked often because it was unlimited and I was preparing to buy the home I am currently in which I purchased on XXXX XXXX, XXXX can you please help me get them to remove the lifetime ban on my credit monitoring service offered by Transunion XXXX my name is XXXX XXXX XXXX. phone number is XXXX my address is XXXX XXXX XXXX XXXX , XXXX Tx 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 07-05-2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: AMERICAN EXPRESS ACCOUNT # XXXX ADDRESS IDENTIFICATION # XXXX American Express has used illegal tactics by continuing to write-down small amounts to assure recent activity continues to keep debt current, when the account goes back MORE THAN SEVEN YEARS. ALL XXXX REPORTING SERVICES ARE IMPACTED.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I completed a dispute for an account listed on my credit report as a collection from Portfolio Recovery Associates. Being that I have never done business or signed a contract with them I asked for validation of debt owed in XX/XX/XXXX. I received a letter on XX/XX/XXXX,  which is after the allowed 30 day period, that included their " validation of owed debt ''. This letter only states how much was owed at the time. The letter never notified me of my rights under FDCPA and FCRA to dispute any information I deemed as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX I wrongly deposited a check for {$50000.00} at a Citibank ATM machine to my credit card account instead of my checking account.. I called XXXX XXXX XXXX credit card that same day and was told it would take 3-5 days for the check to clear and for them to transfer it to my checking account. On XX/XX/XXXX I called again and was informed that due to the large amount of check, it was 5-7 business days not 3-5. They said the latest it would be was! XX/XX/XXXX. I called on XXXX and was told the transfer would take 5-7 business days from XX/XX/XXXX not XXXX which was the first day I requested it. They now say the funds will be transferred to my checking on XX/XX/XXXX which will be 10 business days from my originally request of 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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: This credit bureau continues to report an unverified Public Record ( Bankruptcy ) that I have disputed. The credit bureau is violating my rights, under FCRA, due to failure to provide accurate reporting. The credit bureau has refused to provide me with the 3rd party furnisher of this information. I spoke to my local court and they reported they did not provide any of the credit bureaus with info. They have not verified anything, but keep sending out generic letters saying there was an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with STERLING JEWELERS, INC. (WI).
Issue: Credit determination

Complaint: I applied for XXXX separate credit cards with Sterling Financial ( Bank ). Kay, Jared and XXXX Jewelers. Each time I was approved for {$1500.00}. When they start reporting to my credit report, they only report as {$500.00} each. When I log into each separate website, for each store, it says my credit limit is {$1500.00} for each store. No where in the agreement online, or the application/approval process did it say they split the limits. I called customer service XXXX and was told basically " that 's just the way it is ''. This is shady business. Making customers think they are getting separate accounts when it really is only XXXX limit. On top of this, my credit report was pulled at least XXXX of the XXXX times I applied, causing my credit score to drop each time and also creating additional inquiries on my report. This is unfair and misleading to customers. If they only want to give me XXXX limit, then at the very least, they should only be pulling my credit XXXX time. AND, they should be putting this in a statement on the application and credit agreement. This is not the case. 
I want the {$4500.00} total for the XXXX cards as I was made to think I was getting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016, 60 days XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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