milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-04-2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I DID NOT SIGN ANY LOAN DOCUMENT OR A PIECE OF PAPER FOR REPAYMENT IN RELATION TO ACCOUNT ENDING NUMBER : XXXXSINCE XX/XX/XXXX I PAID OUT MY HOME LOAN WITH INTEREST 4.875 % ALMOST XXXX TO THE DIFFERENT BANKS UNTIL IN XX/XX/XXXX I REQUESTED IN REFINANCING MY HIGH INTEREST RATES FROM HELOC UNDER {$180000.00} TO LOWER OR CUT DOWN AND WE DID NOT RECEIVE ANY NOTICE OR CLOSING STATEMENTS OVER 90 DAYS AND BANK CONSTRUCTED A BAIT AND SWITCH LOAN AS PREDATORY WITH UNCLEAN HANDS AND WE PAID ALMOST {$200000.00} INCLUDING WITH ALL KIND OF FEES AND BANK STATED THAT I STILL OWES THAT OVER {$300000.00} IN ADDITION WITH ILLEGAL ACCUMULATED-INTEREST OF USURIOUS PRACTICES OR UNFAIR DEBT ( IMPOSSIBLE PERFORMANCE ) IN OUR LIFETIME FROM YOUTH TO SENIORNOT ONLY STRIPPED OFF OUR MANY YEARS OF ACCUMULATED-EQUITY BUT ALSO INCREASED INTEREST RATES GOING UP 1 % IN VIOLATION TO TRUTH IN LENDING ACT ( TILA ) AND REGULATION Z WITHOUT OUR CONSENT- THAT IS A SLAVERY OF LOANI WROTE AT LEAST XXXX TO XXXX LETTERS TO COMPLAIN TO BANK FOR SO MANY YEARS BUT BANK ATTEMPTED TO COLLECT UNFAIR OF DEBT AND THREAT THAT LOAN IS IN FORECLOSURE WARNING THAT STATEMENTS MADE ME VERY HARASSMENT OR ABUSE AND I FILED COMPLAINTS TO MANY DEPARTMENTS OF GOVERNMENT SUCH AS CFPB AND DOJ AND STATE BAR OF CALIFORNIA AND XXXX XXXX BAR OF ASSOCIATION BUT BANK DID NOT CARE FROM MY COMPLAINTS AND I FOUND THAT BANK NEVER REPORTED MY HISTORICAL PAYMENTS TO XXXX MAJOR CREDIT BUREAU OVER 6 YEARS IN TRANSACTION IN VIOLATION TO FRCA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04-05-2017 about Consumer Loan (Installment loan) with Convergent Resources, Inc. (CA).
Issue: Taking out the loan or lease

Complaint: The credit bureaus are reporting credit that is not mine.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XXXX XXXX I was in auto accident that totaled out my vehicle. id recently filed for bankruptcy that previous XXXX XXXX XXXX. My case had not been confirmed. XXXX XXXX XXXX refused to issue me the check for the totaled out merchandise. It is now XXXX it 's still reporting on my reports and I never received funds or replacement car. With having Full auto coverage at the time of accident.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XX/XX/XXXX at XXXX XXXX a criminal withdrew {$1800.00} from my checking account using a debit card that was attempted to be cancelled that morning by Bank of America from a stolen purse, without the pin number on the account. Crime was reported, bank of america did not conduct a thorough investigation and removed the temporary credit of {$1800.00} from my account XX/XX/XXXX that was put in back in XXXX. I have XXXX police reports on file, neither have found the criminal, and Bank of America failed to look at video at the branch in XXXX, NC where the money was stolen nor did they investigate my location/whereabouts because i was 3 hours away from the crime scene when it happened. I fully expect Bank of America to continue to drag this on for days and weeks and i have to retell my story multiple times daily to catch up the next new person i talk to on the case. Bank of america did not communicate with me one time from my report on XX/XX/XXXX and just took the {$1800.00} back, that is how i found out they closed their investigation saying the signature on the withdrawel was consistent with ours .... no duh! They stole our purse and could have learned to trace it during hte day. Plus i am angy i cancelled my debit card and someone trys to get a large sum of cash out, red flag, make them use the pin # for my protection! Bank of america 's policies are preventing them from doing the right thing now while they reconsider my case, they refuse to temporarily restore my {$1800.00} credit while the investigation continues. It is their fault the investigation failed! They have access to the video tapes at the bank, not me!!!! This is the problem with big banks, they don't care about their customer who has been loyal since XXXX for 20 years! They are on the brink of losing me as a customer for life!

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 12/29/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: I am a XXXX parent and there was a person disguising himself as a parent looking for housing for his daughter while attending school in California. I have worked with XXXX within the past three months, so I did not think this person would send me a fake check, I deposited it the bank, so it did not clear with my bank HSBC. The manager of the branch with HSBC closed my checking account and reported me to a XXXX agency, which will destroy my chances of getting another checking account. Also, I had been trying to get an overdraft account with HSBC, but they would not allow me XXXX, even though I had direct deposits of over {$5000.00} put into my account every month. They just continued to charge me overdraft fees which totaled over {$790.00} so far this year in 2016. The bank manager is practicing discrimination and is ruining my credit. At this point, I only wish to have my name removed from XXXX because this situation with a criminal embezzling money from my checking account was at no fault of my own. Also, the {$790.00} that HSBC would cover some of the loss, and they would not even investigate this fraud - the manager just reported me to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " 3rd party agency '' for reporting to both XXXX and Transunion. My XXXX report from the time I opened the account has not reported properly. The balance goes up and down for no reason. XXXX is reporting only 3  months of good payments and they are separated by 3 months of no status, which should also show good payments. The account has been in good standing for over 1 year and over 1 year of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my XXXX report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, X/XX/17, XXXX XXXX XXXX has confirmed that the balance shown my XXXX is again, incorrect according to their records. In addition, the " 3rd party agency '' that XXXX XXXX XXXX has hired, supposedly reports to Transunion. The account has never once shown up on my Transunion report. It has never reported to Transunion for over 1 year, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to XXXX as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.

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 09/20/2017 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY).
Issue: Struggling to pay mortgage

Complaint: It is frustrating to find yourself on a financial situation such as loss of employment, which you can not prevent from defaulting on your mortgage. It was than that I was forced to default on my payments. It was then that I struggled and began making life difficult.. I began to panic and retained an attorney by the last name of XXXX who submitted the firs package to XXXX XXXX XXXX to no success. During the process XXXX XXXX XXXX sold the loan to Rushmore Loan management who will not acknowledge the fact that this loan was under a loan modification. I had to start all over again for they did not have any of my documents.. Time went by with out a resolution. I terminated XXXX XXXX and began to deal with the bank myself. I also did not get any where. I have send various packages to no success. I then re send prepared a package and it was send out various times. The person who confirmed receipt of this package was XXXX XXXX at Rushmore loan management.. 
I continue to look for a job became sick and had no other alternative than to request social security income and asked for my son to move back home. 
I explained to the bank that my son had moved in with me and he is now a contributor. 
On XXXX XXXX XXXX I was told by Rushmore that I no longer had a loan modification and that I had a sale day of XXXX XXXX.. I said when this this happened. XXXX XXXX said well it just pop up. You only have 37 days so we can not review the file. 
I reside in this home. I want to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Other financial service (Foreign currency exchange) with CITIBANK, N.A. (FL).
Issue: Advertising and marketing

Complaint: I used a couple of times the world wallet services from Citibank but the last two times it has not being timely. Citibank claims that if you place the order before XXXX XXXX you get the foreign currency deliver the next day. Well, that is not true! I ordered some XXXX XXXX on Thursday XX/XX/XXXX and as of Monday XX/XX/XXXX at XXXX XXXX I have been able to obtain them. I went to the receiving branch in XXXX, XXXX on Friday XX/XX/XXXX around XXXX XXXX EST and the teller helping me, XXXX XXXX, mentioned that Corporate services told her that my name was too common and they had to do additional checks ( which I do not understand as I am a customer and they confirmed my identity through some questions ). She suggested to cancel the order and re-order so that I can changed the receiving branch as I was not going to be able to visit the XXXX branch the following week. So I did. She mentioned that even though the order was being placed after XXXX XX/XX/XXXX I was going to be able to receive my order on Monday XX/XX/XXXX after XXXX PM. Today I went to the new receiving branch at XXXX XXXX and they said that they had not received anything and that they will most probably receive it tomorrow as the order was placed on Friday after XXXX PM. At this point I am not quite sure if I will get the XXXX XXXX tomorrow and I will be traveling for business purposes on Wednesday. Last time I ordered I took Citibank two days to provide the currency. Their marketing does not seems to be real. I am very frustrated as I have been wasting time going to the branches and going through solutions that do not seem to work yet. They mentioned to call before going to the branch but in the XXXX branches I had to visit I called but they never answered. Citibank does not seem to care about customer service at least based on my experiences with this bank.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I check my credit scores via XXXX XXXX, XXXX XXXX and XXXX have arbitrarily and with out just cause lowered my credit scores Transunion by XXXX points and XXXX by XXXX points. I have recent inquiries and am update on all payments. They refuse to take my dispute.

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 01/18/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Thank you for your support in monitoring our wrongful foreclosure case that was brought against us by AHMSI/Homeward Residential/Ocwen/XXXX. Ocwen has never planned to help our family even though we never defaulted on any of our HAMP payments. Ocwen has continued to refuse to drop the foreclosure against us so that we can work directly with Making Home Affordable Escalations and the CFPB. Ocwen moved for summary judgement against us over the holidays proving that Ocwen has no intention of helping us. XXXX/Ocwen stated that we have not given any proof that our loan is a part of the Ocwen National Mortgage Settlement when we are clearly the poster child of why the settlement happened in the first place. We have never wanted a free house and Ocwen is forcing us to continue to incur substantial legals fees instead of settling with us and having the money go to the true investors of our loan. Please continue to monitor our case to insure justice and fair treatment. We want to settle as soon as possible XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX, XXXX I received a letter from Credit Collection Services claiming that I owed a debt to them from the original creditor of XXXX XXXX. The file number is : ( XXXX ) in the amount of {$670.00}. This is simply yet another example in a long line of fraudulent debt apparently obtained in my name. Within the last year, I have become a victim of identity theft to which someone has used some of my personal information, one of which my social, to obtain credit and then let if default. I am refuses this as my debt as I have not had an account with XXXX nor with any company alike. 

Regards, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I REPORTED TO XXXX XXXX XXXX  THIS IS NOT MY ACCOUNT THEY SENT ME A FRAUD AFFIDAVIT AND I RETURNED IT TO THEM. I HAVE PAPER WORK I PRESENTED TO THEM TO SHOW INFORMATION WAS INVALID AND INCORRECT YOU CAN NOT REPORT INACCURATE INFORMATION TO THE CREDIT BUREAU. I AM ASKING THEY REMOVED UNTIL DISPUTE IS SETTLED ANF THEY HAVE A OFFSET AGAINST MY FEDERAL RETURN.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: We received notice after 9 months of trying to get a HEMP modification that we were approved by our mortgage company,  Select Portfolio Servicing , Inc. NMLS  #  XXXX .   We reviewed the documentation and were happy that we were approved for the 3 month trial payments and that our loan would be modified at 2 % for the remainder of the loan. We were also thrilled that our payments were now affordable.   After mak ing our 3 trial pay ments on time, we received the final modification paperwork that says the loan percentage is now 3.625 % and they want us to pay a balloon payment at the end of 25 years of {$320000.00} on a note that has a principal balance of {$590000.00}!   The numbers do n't add up to us and we feel like we are being taken advantage of ...   To make this worse, the 've given us a 10 day deadline to sign and agree.   This timeline does n't even give us an opportunity to review the modification with an attorney!   Please Help!   Thank you,  XXXX   XXXX  &  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NV).
Issue: Managing the loan or lease

Complaint: I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take XXXX. Today is Friday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.

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 01-02-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to report a negative XXXX account XXXX on my credit report even though I was just an authorized user and had no payment responsibility for the account. I disputed this account with the XXXX nationally based credit reporting agencies and the account was correctly removed by XXXX and XXXX, but Equifax continues to report the account even though their records show me as an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NY).
Issue: Trouble during payment process

Complaint: I applied for a Modification in   XXXX   XXXX   and the representative tha t Citibank  applied to my loan was not responsive nor did they assist in any way all the way thru to   XXXX   XXXX   I struggled with the loss mitigation department as well as the customer service to try and get a status only to be declined without any reasonable explanation.     Finally in   XXXX   XXXX   I was able to pay the full arrears to bring my mortgage current as per a letter sent from  Citibank 's  foreclosure attorneys  XXXX   XXXX   XXXX . To date I have not received a Discontinuance of the Foreclosure LP nor a Mortgage statement to confirm what my monthly payments are. I have called numerous times,  X/XX/XX ,  X/XX/XX  and  X/XX/XX  without any confirmed date of when I should receive my mortgage statement just a span each time of 10 days.   On   XXXX   XXXX   I received a letter saying I am delinquent again without a monthly payment amount and when I called today   XXXX   XXXX   XXXX   with my lawyer I was told that my mortgage payment was increased and I should receive a statement in 10 days ( again ) detailing what the increase was due to. The escrow department stated the increase was due to negative escrow due which does n't make sense since the reinstatement letter accounted for all that in it 's breakdown.     My monthly payment was {$1600.00} and was reinstated and to date I can not get a mortgage statement reflecting that payment nor an explanation of why they are trying to increase my payment by over {$900.00} per month on a fixed rate loan.

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 05/30/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Had a Doctor a ppointment, amount charged was not covered by my insurance, the admin suggested to open  " Credit Care Card '',  with no interest payments for 18 months.   My balance was {$1600.00} and at {$100.00} per month I thought no problem. Just recently had unexpected   XXXX    expense which I was able to put on the card. This brought the balance up by a couple hundred, ag ain I thought no problem. The invoice I received in  XXXX  and  XXXX  indicated to pay balance in full to avoid interest charges. Because my balance was so low, I did not think much of this. However my  XXXX  bill the interest applied was more than the balance I owed!

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 90 days have passed since i sent in the information asked of me to to fix my credit standing with and old mortgage from chase. I am on the phone for hours everyday speaking with hundreds of customer service reps that are either combative or not knowledgeable enough to understand this simple request on a mistake made on their end.

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