milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: It is with a very heavy heart I am writing you this email. My husband is XXXX military and I work as a XXXX. A week prior to meeting my husband, in XXXX XXXX, I closed on my XXXX house in up-state XXXX. I then went on a blind-date with my ( now ) husband and he XXXX move to XXXX XXXX, XXXX shortly after. We made the move across country in XXXX XXXX and I chose to become a landlord as I thought I could successfully rent my property with help of a property manager. The XXXX property management team was able to secure a renter for two years. However, at the end of that two year period we found out that the property manager had been lying to us and stole money from us that he stated were for repairs. The tenant moved out and we changed property management companies. The next one was unfortunately not much better and she continues to " bully '' us when asked why she is not even listing our house on her own website. We listed the property for sale in XXXX XXXX and received XXXX different offers but the buyers could not secure their own loan. In XXXX XXXX my husband XXXX. I called Bank of America ( our lender ) and stated that I would not be able to pay the mortgage as we could not sustain XXXX separate households. Bank of America had me jump through the usual hoops by completing financial paperwork showing that we just could not afford the XXXX house. Bank of America requested for an appraisal which showed that I owed less than the house is worth so they would not approve a short sale. I then asked for a Deed in Lieu but was denied as we had not lived in the house in the last 18 months which is a requirement for Deed in Lieu. In XXXX XXXX, when my husband XX/XX/XXXX, I was told that I would need to wait for the foreclosure to proceed and that I was out of options. Despite my best efforts of continuously calling Bank of America and begging for some type of movement, regardless if it is a short sale, deed in lieu, or foreclosure, I have still have not received any assistance and continue to pay the utility bills for this vacant house. I have even gone so far as to reach out to the C.E.O. of Bank of America who reads my emails ( read receipt through Outlook ) but refuses to even reach out to me or give me guidance where to go. My husband has now XXXX moving us to XXXX XXXX, XXXX and although we continue to move about this house is still leaving us with quite the heavy burden. My husband and I already go through enough with military requirements and separations and this house is standing in our way from truly feeling free. Thank you so much for your time and I hope you respond as I feel terrified that we have run out of options. Please help my husband I get out from under this burden! 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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: On XX/XX/XXXX I disputed inaccuracies on a public record bankruptcy on my transunion report. On XX/XX/XXXX transunion responded that it had been updated. The information they gathered is not from the bankruptcy court as they have informed me by letter that they do not validate debts. Per FCRA 623 ( a ) ( 5 ) : " If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. Public records information is NEVER validated by the US Court sudden due to Fair Credit Restoring Agency PRIVACY LAW. They also closed student loans that are not closed staying they are included in a bankruptcy. There is no confirmed or open bankruptcy. This has made it impossible to obtain any credit.

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 10/24/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was working with a company called XXXX for about a year itended up costing me XXXX dollars and it did not get it all taken care of. 
My husband and I owed XXXX to the IRS it was paid back and showed upon my credit report that it was n't so I asked for help and it came off ofXXXX, XXXX, but not off of Equifax so now I hope you can help meme.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: M & T Mortgage Company foreclosed on my FHA-insured property in XXXX XXXX. As of XXXX XXXX, they have failed to file a claim with HUD for the property, although in XXXX they only have 18 months to do so. When I inquired about the matter through FHA, the lender falsely claimed that the mortgage was 42 months delinquent and in foreclosure status with Eviction Proceedings initiated ; despite the fact that the house sold at auction in XXXX XXXX, has been vacant since XXXX XXXX since I live in XXXX, and they 've received multiple code violations for not properly securing the home. In addition, the lender is claiming I am still indebted to them.

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 02/21/2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company named Cavalry SPV I , LLC claiming that they were acting as an assignee of XXXX to collect a debt that I do not owe. I never received anything from XXXX and did not and do not have a XXXX credit card. Cavalry SPV I, which is just one of many shell companies created by another company, more widely known as Cavalry Portfolio Services, LLC, never contacted me or even tried to notify me of anything. The first thing that I received was an actual complaint, filed with the courts, which took away my chance to Validate the Debt. They are using an attorney by the name of XXXX, he is actually using the name of a law firm that is not even registered to do business in New Jersey. He is using the name XXXX., which was formerly known as XXXX ;, that name is registered in New Jersey but I can not find out the status of that name, whether it is active, inactive or if they were simply shut down? They are seeking a relatively small amount, in my opinion they are trying to collect an amount that is less than what an attorney to fight it would cost, in the hopes I will settle. They have not followed state or federal law at any single point in this process and, after doing some research, I am now in the process of a legal battle over a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (IL).
Issue: Problems caused by my funds being low

Complaint: I submitted a request online to transfer a XXXX wire transfer from my XXXX account to my PNC account. It appears as though PNC allowed the transfer to go through even though I did n't have sufficient funds in the account. Now I am out XXXX for my rent. The bank allowed the transaction because they want to charge me significant fees and place me in debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Credit card) with CITIBANK, N.A. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Upon looking into my credit report I discovered I had a debt for Home Depot " THD/CBNA '' with a debt of {$370.00} from XX/XX/2005 and I still have the account and my account is up to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX of XXXX I contacted Navient to enter a income based repayment program based on financial hardship and not being able to make the full amount due each month. On XXXX XXXX XXXX I emailed the requested bank statements and proof of income. On this day I was told my information was received and the monthly repayment amount of {$290.00} was agreed upon. I agreeed to have this amount automatically deducted from my personal checking account starting on XXXX/XXXX/XXXX. I was told that the submitted documents would be reviewed and if the amount was not approved I would receive a call back. Since XXXX/XXXX/XXXX. Payments have been deducted from checking account in XXXX, XXXX and XXXX. On XXXX/XXXX/XXXX I started receiving phone calls every hour regarding my private loans. I spoke with a representative on XXXX and was told my paperwork was never approved because my bank statements and pay stubs were not received. Even though payments had been made. I resent the email containing the requested information sent on XXXX/XXXX/XXXX. And noted I never received communication telling me this was the case. On XXXX/XXXX/XXXX I spoke with a manager in the department that explained my paper work had to be reviewed and approved and the amount I agreed to pay ( which had been paid for the past three months ) may now be denied and the rate could change. This has now been reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (I do not know) with Midwest Recovery Systems (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not know who this debt is from. I do not recognize any of the names, nor did I receive and communication from the debt. What steps do I have to take to get this removed? I believe it is FRAUD! I contacted Midwest Recovery and they sent me a " Final Demand '' Letter that is dated for today. Another way to say " SCAM ''!

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian Report pulled on XX/XX/XXXX and Transunion Report pulled on XX/XX/XXXX show XXXX bank re aging a credit card debt charged off in XXXX to reflect a past due amount on a XX/XX/XXXX credit report for XX/XX/XXXX.. This is illegal and violates the fair credit reporting act. They ca n't say a debt is due if they have charged it off. It must be listed as disputed on my credit report and they could not verify the debt in XX/XX/XXXX. Also, they must cease and desist from how they report this debt immediately.

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 01/17/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Managing the loan or lease

Complaint: I got a car loan with Santander on XX/XX/2016 and my first bill had come in two days before it was due! The other options for me to paying so it was n't late was by phone or the site itself, the catch is that they 'd charge you a XXXX dollar fee just to get it paid. Second month comes around and I receive no bill and the due date is coming up on XX/XX/XXXX. XX/XX/XXXX comes around and I receive a bill that had stated that it was sent out 16 days ago " hence that 's longer then two weeks '' XX/XX/XXXX. My second payment was in a form of a check sent out on that day " XX/XX/XXXX ''. It is now XX/XX/XXXX and my bill has not been paid!!! Calling costumer service that 's listed on the back of the statement is telling me there 's a XXXX party that 's involved with the statements and when i ask for there information so i can fix the problems the supervisor ( XXXX, badge # XXXX ) tells me she ca n't " disclose '' that information!!!! 
I have bank accounts with many other providers that have n't even given me the smallest of problems. All I want to do is pay my bill on time every month with out any problems. 

Any help you can give me would be grateful my email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Closing on a mortgage

Complaint: Wells Fargo Home Mortgage Affidavit Of Mailing on all of there notices sent out on XX/XX/2016 which was 7 notices by wells fargo home mortgage was never mailed to me at the right address at the time of notice nor were any delivered at the said address that was mailed out by wells fargo home mortgage. As I have uploaded proof from the post office was delivered to XXXX XXXX CA XXXX I never lived or had an address in XXXX XXXX CA XXXX as to why wells fargo Home Mortgage would send all the US Reg m, ail to an address that's not on file or not mine. Wells Fargo Home Mortgage violated my rights to receiving notice by sending all the notices to an XXXX XXXX CA address in which they mailed out to no reason why it was delivered to an XXXX XXXX Ca XXXX address with bad intent on there part on a serious situation that was at hand. There seems to be a lot of issues legally with the loan past and after of there practices of there mortgage loans and legally giving me notice by law. With wells fargo home mortgage its never the truth it all ways putting some paper to try to justify there self as if there a reputable bank in which we no is not. Wells fargo stay in the news for fraud or consumer fraud by them.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my Equifax credit file and it was reinserted without my knowledge. The information still has not been validated or verified by Equifax, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The third party company XXXX XXXX XXXX is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things Equifax, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (LA).
Issue: Account opening, closing, or management

Complaint: I received an off from Citibank in XX/XX/XXXX ( offer XXXX ) that offered XXXX AA miles if I opened a Citigold bank account and met certain spending criteria which I met. I received a message in XX/XX/XXXX from XXXX XXXX confirming that I met all of the criteria and that the XXXX miles would be credited in XX/XX/XXXX. That never occurred. When I sent a message today, XXXX XXXX responded that, despite her prior email, I was not targeted for the promotion and would receive the XXXX miles even after confirming that I would receive them. The fact is that I did receive an offer being a Citibank credit card holder. I fell that this is a bait and switch scam and in bad faith. Please investigate this fraudulent offer and help with a resolution. 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 non-monetary relief
Consumer complaint received 09/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was on a call with Navient Rate Reduction team speaking to XXXX XXXX. During the call I ask if she could relook at my account to see my options again about being on the rate reduction plan. I asked informative questions and with getting minimal response back I asked her to explain in more detail and to help me better understand. The amount of the payment plan had increased from last year and she stated that the interest rate would not change from last year. But mathematically it was not adding up so I asked her to please explain in detail, to have me better understand the break down. Eventually she became overly aggressive. After several times of stating that I was not trying to frustrate her I was just trying to get clarity her aggression heightened. She then with anger told me that she was getting her supervisor to speak to me. I restated that there was no need to be aggressive and her response : " I am not being aggressive you 're just not accepting my answers. '' Again her " answers '' were not informative. XXXX of her " answers '' during the call when I asked her to verify the breakdown she claimed that the private lender can " change how they do things simply because! '' How is that a legitimate answer to a question regarding a breakdown and what factors are included in this calculation of this " rate reduction plan ''. 
The call was unprofessional and my questions regarding my private loans still remain unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 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: I have disputed  XXXX   XXXX  a number of times with   XXXX   Transunion  XXXX . None of them have done a full investigation. I have requested a FULL F ULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a FULL investigation I demand that the results be made available to me within Five days. This needs to be expedited, all   XXXX   CRA are in violation of the law. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to c ause me harm.

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 01/26/2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/XXXX I look in to my credit report with XXXX I the XXXX report to find XXXX inquiries ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) into my credit buy : XXXX XXXX XXXX, sd XXXX XXXX I did not give them permission to do a hard inquiries into my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I justified recently received a copy of my XXXX credit report I noticed there are a few accounts that are not reporting my history. They are showing no historical payment information since XXXX 2017. I would like to have my historical payment history report. Some accounts are XXXX/ XXXX/XXXX XXXX/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 06-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have incorrect information on Equifax, XXXX and XXXX reported by XXXX ( XXXXHealth Care ) for the amount of {$720.00}. Submitted for collection on XXXX/XXXX/2012 to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through Equifax, XXXX and XXXX, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DE).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: XXXX XXXX credit card. They said I would get to board the plane first if I bought the credit card that cost ( {$100.00} ) per year so long as I use the card to buy the plane tickets. I did what they said but when it came time to board I was put in group 7. Well after several other groups boarded. When I complained to XXXX XXXX they told me it was the credit card 's problem. So I called the credit card and they told me it was the airline 's problem. After that went on for three or four times ( on the phone with the airline and then the credit card ), I simply gave up.

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 05-10-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company failed to pay my taxes in XXXX. They did not notify me at all. I did n't find out until I went to the courthouse to get proof of residency to register my son for school. They have since sold my loan to a different company and wont tell me anything. My taxes were sold XXXX XXXX, XXXX. No one will tell me where the money I paid for taxes is.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I asked Equifax and XXXX XXXX to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.

Company response to consumer: Closed with explanation