milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Delinquent account

Complaint: I have never received any credit card from Citi Costco. When I applied loan for mortgage, I found I have late payment. I called citi credit card without even knowing my credit card number. The address and phone number associated with the account is not correct. I never received any statement from Citi. I was told there was {$50.00} balance from previouse XXXX card with Costco, and the balance transferred to Citi. I did not even know this. I was charged over {$100.00} late pay and interest. I made full payment immediately and request to close my account. I request a letter from Citi to explain the situation that I have never received any paper statement or even the credit card because the address is not correct so that i can submit a dispute to credit beureau to correct my credit score. I was told by Citi credit card they could not do anything. they were very rude and did not help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had Two morgage back started in XXXX, in year XXXX we had issue in employment lost and burgary in house as a result we filed the application with Bank of america and received approval for six month payment hold however Bank of America reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by Bank of america and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, Bank of america paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.

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 02-06-2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The property that I live in and that it is my primary home it is currently in foreclosure. The property was purchased with a loan that was a negative amortization and it was part of the predatory lending practices during the financial crisis. The loan was not explained to me and sometime after the purchase I was unable to make payments when the payments increased. I am a retired person and XXXX years old. I have been trying for years to come to an agreement with my bank and get a loan modification with a fixed interest rate, and for which I have been denied each and every time. I am a retired XXXX lady that get help from my children in order to pay my bills. The bank refuses to modify my loan because they say its been more than 36 months since I last made payment. We can show enough income coming to afford the new modified payment with the help of my children who are willing to assist financially with my mortgage. The bank refuses to allow their income as help and I will loose my home as a consequence. At this time the bank has requested the courts a sale date. If the sale goes thru I will be homeless. Again, this is my primary home and I have no where else to live. I am hoping your agency can help in having the bank process a loan modification so I can continue to live in my home with the financial assistance of my children. 

Thank you, 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 05-07-2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Shopping for a loan or lease

Complaint: I 'm an XXXX. I purchased a brand new 2014 XXXX XXXX from a dealership on XXXX 2014. I did not know I was getting tricked into signing a contract for 73 months for a monthly payment of XXXX which Equals XXXX plus a down payment of XXXX that I had upfront during the purchase of the car which adds up to XXXX. My car is in excellent condition and only has about XXXX miles on it. The blue XXXX worth is XXXX and at the dealership the sticker price was XXXX. I have paid all my payments every month. I spoke to a finicial counseler and made it clear I was taken advantage of simply because I was a XXXX. The dealership even knew how much I made as an XXXX. I will be paying over XXXX when I 'm done paying this car. I have a family of XXXX that I need to support and this unfair and unjust. I did n't knew what I was going to pay over XXXX what the vehicle is worth. They never explained none of the APR % or how much I 'd end up losing and I fell really taken advantage off. I 've been XXXX for over 5 years, executed XXXX in order for businesses to sell their product in our great crountry. When I return home I get taken advantage of with no mercy. If this has been done to me I wonder how many other service and non service members they have gotten. I wish for my payment to be lower as well as the total of the vehicle. The dealers sales men never shared the information of the deal they made with the finiacial company that gave the loan nor explained why I had to pay XXXX for 73 months. I want to dispute this. This always happens simply because I am a XXXX member, and I live near a base so all these businesses set up and sell their products advertising " we do military finiance '' they reel us in like fishes. This is an outrage. Will you be able to help?

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently went on XXXX and began filling out their online application to get a quote on how much I would be able to receive as a loan with the first time homeowners program. I did NOT submit any of my information and after randomly checking my credit score XXXX, I noticed that my credit score has DECREASED about XXXX points. I looked to see what caused this drastic change and saw that it was based on XXXX banks pulling hard inquiries on my credit without my consent or knowledge. I would like to file a complaint with Transunion and to reverse this action and return my score to its original score if possible. Thank you so much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been with sprint for over 10 years and been very satisfied with their service. till recently after I pulled up my credit report and noticed a collection account from a company called ERC trying to collect for an unpaid XXXX account. I have disputed this account with the credit bureaus and as well as with ERC. and as of this date no respond from ERC. I had sent to them my police report as well as my identity theft report still no respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Selling a mortgage that is in a remic that has no filings with the sec ever I want some answers?

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 11-01-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit determination

Complaint: I received a sudden email with the subject " Notice of account closure '' from Citibank. The email itself did not contain any information about any closure but said I had a message waiting on their system and to click the link to login. Upon doing so no message was available. When I called Citibank to discuss this the agent did say that my account was closed. While they were apparently under no obligation to notify me in advance that my card would be cancelled due to inactivity, I have in the past been so notified by creditors for a variety of reasons including their ability to remind me ( i.e. sell me ) the features of my card and entice me to use it again. In such cases I have been reminded of better benefits and resumed such use. However, my complaint largely centers around the fact that they are able to do this when it can directly impact my credit rating by reducing my credit capacity. I can easily envision a circumstance where somebody less fortunate than myself was successfully able to build credit worthiness but opted not to use their credit card so they did not carry any debt. However they would need to get a loan for a home or car, or to apply to rent a home/apartment. Losing that credit capacity and in turn lowering their credit rating could have an adverse effect when trying to leverage credit in those other circumstances. It seems fair to me that a credit card company should at least provide a few opportunities for a consumer to maintain the account before cutting it off so as to avoid these situations.

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 04/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I called Naviant to discuss the policies and terms of the forebarance of XXXX of my loans that my mom paid for. I was informed that neither of the XXXX loans were in forebarence and that i could make a payment of {$50.00} each to put the loans in forebarence. My mom had already made a payment of {$150.00} on XXXX XXXX. I was then informed that the payment was not there and the only payment showing was from today that my mother made to forebare the loan she cosigned on, When I was informing the woman named XXXX that the forebarence of all XXXX loans was already paid for, i recieved an attitude from her and her constantly asking if i wanted to make a payment to put my loans in forebarence. It was n't until i read off the exact persons name that she spoke with on the XXXX and the confirmation number that i actually got somewhere and by that time i had to go back to work. I am not impressed with how they handled this situation and would like to know where they payment my mother made for the XXXX loans went and why it was n't clearly noted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an auto loan with XXXX XXXX XXXX. It was opened in 2014. I have made timely payments for the past 9 months, and they are not accurately reporting the on time payments to the credit bureaus, however, if I make a payment late, they are prompt in reporting the late payment. I have contacted the creditor directly, however, all they are able to tell me is " I have emailed the credit reporting department. '' And this is still to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with M&T BANK CORPORATION (NY).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX I tried to reason with M & T Bank. They wo n't accept a modification package from me.My First mortgage is current but they have no knowledge that M & T Bank has scheduled a sale date for XX/XX/XXXX to sell the home. 

This is second Mortgage I have been trying to work something about with M & T Bank. Each time it is a different person to work with. 

Can the second mortgage foreclose because of the subornation in New York? 
I made a payment to them XX/XX/XXXX and I thought I was on the right track. 

They are so very hard to talk with not to mention work out an agreeable term. 
When you call you have to go through about 6 or 7 people before anyone will discuss your account with 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 05/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Customer service / Customer relations

Complaint: On a XXXX XXXX, XXXX XXXX, 2015, I was away XXXX miles away from home. I need to get cash to put gas in my car, but unfortunately my debit card did not work and I tried to use my American Express Optima Card. The card did n't work at the gas station because it has low balance and usually gas stations block {$150.00} in order to use the card. I called American Express and requested to get cash back and a pin ( received the pin ) or extra emergency cash so that I an get home safely and put gas in my car. The American express representative told me that if I tell her the exact address where I was, she will provide emergency cash. I left the car and went to the nearest cafe to ask for exact address and zip code. When I called American Experss back, they refused to provide assistance with even {$20.00} cash. So I had to use strangers ' help in order to get home safely on XXXX XXXX. I am very upset and disappointed in lies of American Express representatives who put me through enormous stress and emotional distress and danger on the road. Yesterday, XXXX XXXX, an American Express rep called me and assured me that he was going to call me today with a possible resolution and he did n't call back. What American Express did was a violation of the Fair Credit Reporting Act - deceiving customers. I had to write a {$200.00} check to strangers to help me to get home, while American Express deceived me and did n't provide promised assistance and this assistance is in the credit card agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in the loan modification process with a sale date on my property for XXXX. I have complied with Ocwen loan servicing , LLC . I am very concerned about the sale date while in the modification process. My relationship manager assigned to my modification process said to me on XXXX at XXXX pacific time. I have a complete modification package submitted. Along with a letter to clarify a mistake on the XXXX tax return that showed I had XXXX businesses but I only have XXXX business. There should be no sale on my property at this time. Please stop the sale date while I am in the modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are some closed collection accounts on my credit report which do not belong to me in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit card () with U.S. BANCORP (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone has been impersonating me and stole my personal information and identity and open up a fraudulent U.S. Bank XXXX XXXX credit card account # : XXXX. This account is fraudulent and do not belong to me. I have attached supporting documentation which includes my incarceration date. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. Based on the documentation provided, I 'm not liable for the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09/27/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (GA).
Issue: Struggling to pay your loan

Complaint: Almost 3 years ago, I was in desperate need of a loan. A friend told me about Title Max in XXXX, GA. I went in, explained that I needed {$4000.00}. They told me I qualified for {$7000.00} but they failed to tell me that I would probably NEVER be able to pay if off. No one explained that the full balance needed to be paid off within 30 days or that the interest rate was extremely high. I did n't discover that until almost a year into the My husband recently lost his job and I explained to Title Max that I could no longer afford to pay them as I am now the sole source of income for my family -- which includes XXXX kids in college. To date, I have paid TitleMax almost {$19.00}, XXXX on a {$7000.00} pawn. And the balance I owe now is MORE than I originally borrowed! I 've applied numerous times to have my case reviewed and my title returned and was told, " No ''. This seems blatantly immoral and illegal. I live in constant fear and stress that my vehicle will be repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a phone call from this company attempting to collect a debt that is past the statue of limitations. Today I received a letter in the mail concerning that same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (WV).
Issue: Managing the loan or lease

Complaint: I purchased a new car, and I gave this one back to the finance company. My new car dealer drove the XXXX to XXXX for me, and he spoke with the owner regarding the vehicle. The owner made him park it in a back lot, so it would be out of his way. I followed behind, and picked the dealer up. 
I have a voice recording of my call to Credit Acceptance, explaining to them that I voluntarily surrendered the vehicle and returned it to the place of purchase. XXXX informed me they normally pick up the vehicle within 10 days. They will sell the XXXX at auction and bill me for the remaining balance. I requested they not call me continuously until the vehicle is auctioned. 
I immediately mailed my key to XXXX, who has possession of the vehicle, along with a copy of this form and the notes above the line. 
I drive by and check on the vehicle periodically to see if the vehicle has been picked up yet, and to ensure no vandalism has occurred. 
The financing company has not yet picked up the vehicle. They continue to call me multiple times a day, seven ( 7 ) days a week. Sometimes they leave voice mails, sometimes not. I only get a bit of the voice mail, which is an automated message to call them. At this point, my voice mail box is full. I refuse to clean it up and make room for more until they cease harassment and follow through with their established procedures. They call from so many different numbers ; it is nearly impossible to block them. I 've tried to compose a call history, but I can not guarantee I got them all. It makes my eyes cross and gives me a headache!

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 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OK).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: We continue to receive prescreened offers of credit from Citi. It is a constant barrage of mail and advertisements coming through our mail. We do not want any credit cards through this or other companies that continue to mail to us. We are on the Opt Out of Offers list and we still receive these solicitations.

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 11/18/2016 about Debt collection (Medical) with Capital Accounts, LLC (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On multiple occasions I was harassed by a representative of Capital Accounts. This debt is related to a medical bill. I told the representatives that I was not aware of owing this money as I have insurance dental coverage that would cover any bills and that this needed to be submitted to my insurance. They told me that the provider is n't required to submit it to insurance, they just do that as a courtesy. That is inaccurate. I requested verification of the debt and they never provided it. They continued to call me while I was at work and use abusive language and still have provided no documentation of the accuracy of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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 AM FILING THIS COMPLAINT BECAUSE EQUIFAX HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS/INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS THE 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS./ INQUIRIES UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICIH CAN NOT VE VERIFIED THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE 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