milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow up on my case number XXXX. I would like to submit the attached documents showing my scheduled court date on XXXX XXXX, XXXX. XXXX has responded that they dropped the foreclosure case against more than a year I believe in XXXX XXXX. As you can see on the attached, there 's a scheduled hearing with the referee on XXXX XXXX, XXXX. I called and spoke to XXXX XXXX, Fiduciary # XXXX at XXXX XXXX XXXX XXXX XXXX, telephone # XXXX a couple of weeks ago and she told me that she was not aware that she was listed as a referee on my case. XXXX XXXX claimed that she does n't know why her name was listed as the referee and that it was a mistake and that she was going to contact the judge assigned to remove her name. Unfortunately, I have not heard back from her. Attached is copy of the notice. 
I 'm not sure how these documents are processed, but I truly believe there is something terribly wrong with this entire scenario. First, the law firm lied and claimed that they withdrew from the foreclosure case against me back in XXXX XXXX while the case is still listed as active and I had to appear in court just recently in XXXX XXXX. In addition, there 's a court date scheduled in XXXX XXXX, XXXX with a referee who claimed that she is unaware of anything and that it was a mistake. I believe someone is creating fraudulent documents and setting up consumers to lose their homes. I would like the law firm XXXX to send me an official notice that they have withdrew the foreclosure case against me and also to update the court records to note the case is closed or disposed.

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 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Starting from XX/XX/2016, XXXX, a credit card promotional service, generated hard pull inquiries on TransUnion 's credit report when only soft pulls were suppose to be generated. I 've been a victim of Transunion 's inquiry issue and they refuse to remove the hard inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report.

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 09-08-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (AL).
Issue: Application, originator, mortgage broker

Complaint: In light of the Wells Fargo situation, I was reminded of something that keeps coming up on my credit report. And also, when I filed bankruptcy. I had a XXXX mortgage with them. And did a line of credit, credit card also a few years later. But, it came to my attention that I had a XXXX mortgage taken out against my house. One that I never authorized or consented to. I did my mortgage in XX/XX/XXXX, and line of credit in XX/XX/XXXX. But never the XXXX. At that time I was residing at XXXX XXXX XXXX XXXX, Va XXXX. Therefore my mailing address is not the same as the property, as I have moved out of state. ***** My name is 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 03-06-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Account opening, closing, or management

Complaint: I have attempted several times to correct bank of america reporting on my own. They are in violation of the FCRA 405. They are not reporting information XXXX accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting XXXX accurated dated and verifiable.

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 12/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loans were with XXXX for many years. I was contacted by a group called the XXXX They said they received my information from the Government as part of Obama 's efforts to reduce the burden of student loan debt and that they believed I qualified for a lowering of my payment. They said if they submitted for the program that I could also get my interest rate reduced if the payment reduction was declined. I asked the guy SPECIFICALLY if they based the decision on adjusted gross income or gross income. He said ADJUSTED gross. I was VERY interested in that as I have to stupidly high interest rate of XXXX % on my loans. They told me to stop making payments to XXXX while I went through the application procedure. That application was denied and I was then told that what the person I spoke to said about getting my interest rate reduced was also incorrect about that and that the approval process was based on adjusted gross income. I demanded a return of the payments I had made to this company which they said was a fee for the processing of the application, on the grounds that they misinformed me of what was actually possible. They reviewed the recorded calls and verified that I was correct and issued a refund. Then all of a sudden I started getting payment notices from a new company called FedLoan Servicing. Apparently buried the paperwork that I electronically signed it indicated that I was authorizing them to take over my loan when I applied for this supposed payment reduction program. This was again something that was NOT explained, and it very much upset me that they did this. I have come to find out that XXXX group and XXXX are owned by the same people. This is a scam and I feel I am entitled to compensation for the deceptive trade practices that this company performed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (PA).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX of 2016, I was in the process of moving my savings from my Chase Bank account to my fiancee 's bank account. Around that time we were in the midst of moving so we needed the money in order to put a down payment on the apartment and buy necessities. Everything was going fine, until XXXX XXXX of 2016 Chase froze my account causing the XXXX {$1500.00} checks to no longer be valid. This resulted in my fiancee 's account being in negative balance for {$4000.00} ( late charges were applied at her bank ). I did n't receive no call or email in stating why my account was frozen so I went to the XXXX XXXX location in XXXX XXXX. I proceeded to talk to one of the representatives and she told me that a investigation will be done and I will receive my money in 72 hours. I explained to her my situation that they froze our money and we were currently residing in hotels and that was our major source of money. The representative said she really could n't do anything more for me. I went to the branch three days later because my account still did n't have any of my money in it. It was just a bunch of overage charges. I consulted another bank representative and she assured me that I was not at fault and all my overages will be voided. I asked her when will my money be available. She told me it will take 72 hours. At this point, I 'm frustrated and I have been resorting to my credit card in order to survive. I told the representative that currently we are at a bind and we are depending on this money. She then told me they found the hacker and it was a person in Maine hacking into the account and she assured me that I will have my money and that I needed to open up a new account to do so. I opened a new account and waited three days to hear anything back from them about my money. I went into the bank and they changed their story blaming me and telling me I was the reason my account was frozen. Which is ridiculous, I do n't know anyone in Maine and no one has access to my account but me and my fiancee. I 'm very frustrated because now my fiancee 's bank account will be going to collects in 2 days unless we get some money back, This resulted in my using my credit card in order to survive. Chase 's stupid way of handling customers caused me to max out my credit card to XXXX. I do n't want my fiancees credit to be ruined by chase.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (NC).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have a lease with Ally Bank on a XXXX XXXX XXXX. I called to get a buyout on the car and they gave me a number of {$30000.00}. When i went to the dealership and found another car i was in the process of working on the deal and the dealership came back and told me the bank was asking for {$34000.00} for the buyout. I called the bank and asked for an explanation and no one could explain it. I was told by XXXX Employee ID # XXXX an alleged supervisor that the 3rd party buyout was more due to market value. So i asked if i was to get a check from another bank and had it made out to Ally for the $ XXXX would they take it and she said yes. So i ask whats the difference where the money comes from? She said that its different for dealerships and that its state policy/law that they can charge the dealership more. I asked for this XXXX number and she could n't answer the question.I then asked for a supervisor and she said she was the highest up and that i would talk to another person on her same level if i wanted. Of course i said no a supervisor because i find it hard to believe the whole department is a bunch of people that manage themselves with XXXX supervision. Nope she transferred me to XXXX ID # XXXX same dept same position. I told her to just please get a supervisor on the phone. Then i spoke to their supervisor XXXX ID # XXXX. She again is saying that the bank reserves the right to charge a dealership market value from what is estimated by XXXX XXXX. That price is estimated by geography. However my point is i am the consumer and have the agreement with Ally. It works out for all parties that i get truck i need and the jeep get returned and the bank get their $ XXXX. However since i am not the one writing the check they gave the dealership a larger quote for the car ultimately screwing me. All parties win, i get a functional car they get their money and the dealership sells a car and who know maybe we take the loan out through Ally? My concerns are that this an unfair practice that hurts me the consumer and I want to know what the North Carolina XXXX XXXX is that allows the bank to do this.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. insufficiently protected my data, and subsequently allowed it to be taken in their recent security breach. Equifax Inc. failed to notify me at the time of the breach, so my data may have been in unscrupulous hands for over two months while the company failed to take action to inform me. While I have not yet experienced identity theft as a result of this negligence, I expect better of a company that has access to sensitive financial information of hundreds of millions of Americans. I hope that Congress will take action to require accountability for major breaches such as this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 account on my Equifax and XXXX  credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. 

Amount {$420.00} Opened in XXXX2012 Last Balance Date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a new phone number and the last person that had this number apparently had several debt issues. I have notified the company several times that I am not the individual they are looking for and to please remove me from their lists, however, they have not done so and continue to keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I was in the process of completing an approved short sale with Bank of America. The borrowers XXXX and XXXX XXXX were ordered to sale their home per their divorce decree. Bank of America released docs to the XXXX regarding the approval of the short sale on XXXX/XXXX/15. At this time they had an offer and issued a counter offer which the buyer accepted. As of last week XXXX all parties were waiting for the approval letter to be generated per the negotiator from BOA - XXXX XXXX. On XXXX without warning I received a message via XXXX that the file was scheduled to be released for service hold to XXXX XXXX. The buyer is CLEAR TO CLOSE.. Now his rate lock is in jeopardy and BOA will not return my phone calls, messages in XXXX that includes escalations. This morning I see the previous negotiator has been removed from the file effective today and XXXX XXXX is assigned. The ext of XXXX as listed in XXXX is not valid. I called and the system reported that the extension is not valid. They have ceased communications after approving the short sale and totally put this entire process in danger. The borrowers have NO knowledge of this transfer as they have not received any communications from BOA and XXXX does n't have the file in their system after referencing the SSN 's of the borrowers. Your immediate help is required to bring an end to fraud by Bank of AMerica. I am the realtor/negotiator submitting this complaint and have exclusively worked with Bank of America in this process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2015 about Prepaid card (General purpose card) with U.S. BANCORP (GA).
Issue: Fraud or scam

Complaint: I purchased XXXX XXXX gift cards of $ XXXX/each, totaling {$16000.00} for various business purposes earlier this year. Unfortunately through either a data breach or a card sequencing scam many of these card numbers were stolen and there was fraudulent activity on the cards. I am still out {$2000.00} in card value ( at XXXX point was {$4000.00} XXXX from the related fraud and the U.S. bank group, nor the group service the fraud complaints are resolving these issues in a timely fashion. I have provided them with all the requested data, and I think it is clear that this was all caused by an issue on their end and is not my responsiblity to resolve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: EXETER FINANCE COMPANY Mailing Address Exeter Finance XXXX XXXX XXXX XXXX, TX XXXX Exeter Finance Payment Processing XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX  Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX COMPARISON OF EXETER FINANCE AND XXXX XXXX STATEMENTS EXETER BANK DATE PAID XX/XX/XXXX extension XX/XX/XXXXOK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00} XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XX/XX/XXXX. and XX/XX/XXXX ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! **XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} )XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! **XX/XX/XXXXEXTENSION GIVEN!! ( 30 days late per XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXXPer these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!!
Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made??
Per phone call these are the EXTENSIONS GIVEN : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Medical debt) with Firstsource Advantage, LLC (KY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This company stated they have attempted to send my records to validate my debt and I have received nothing in relation to this collection. One Advantage LLC is a third party and having medical records is a violation to my HIPPA rights.   I am allowed under th e Health Insurance Portability and Accountability Act ( HIPAA ) t o protect my privacy and medical records from third parties. I do not give any provider permission to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore I request my release of HIPAA authorization.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Citibank is reporting to XXXX an open XXXX balance on a paid off closed account.

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 10-03-2016 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Property Address XXXX XXXX XXXX XXXX XXXX CA XXXX I had a hardship. I went was laid off, placed on XXXX then XXXX. during this Time, I reached out to my mortgage company for a home modification. 10 months later ( sending documents, being told my account was with the underwriter, reisending documents ) I received a foreclosure notice on the door XX/XX/2016. This is after months of Submitting and resubmitting the documents, the same documents over and over. From XX/XX/2016 until XX/XX/2016 the same thing continue to happened, However XX/XX/XXXX they did n't push my sell date, claiming the Friday before the Monday it was to be sold, that they had n't received a document that I sent and had proof of sending. So I contacted a Bankruptcy Attorney. That Monday, my attorney reached out, they advised him that the sell date was postponed and that they had received my documents and that it was under review. Within a few weeks, I began to receive request for additional documents. The attorney reached out XX/XX/XXXX to get an update and to ask what was the plan because we need the information for court. The same day the modification was approved. and faxed over to my attorney. During this time I was forced to go back to work because they would n't help. The mortgage company has charged me over XXXX in fees. I have no issue with paying what I owe for not paying the mortgage. my issue is that my financial income has not changed in terms of what I make and was bringing home via XXXX. If they could approve the modification now, why did n't they approve it when I first submitted the documents. I would n't owe this much. I believe that they purposely did n't approve the modification because my house is in an area where the property value shot up due to the XXXX coming to my city. I purchased my house at XXXX with XXXX % percent down. The modification is for XXXX. Those are fees associated because they would n't approve my modification loan for months. Why should I have to pay for the underwriter workers dragging their feet, waiting 30 days to ask for documents, then waiting another 30 days and ask for the same document this was a continuous cycle, planned to either wait until I did n't submit a document to sell my house, or rack up fees to make my property un-affordable for me. This practice is not fair. I am a single mother, with a XXXX, XXXX XX/XX/XXXX. I had to go back to work, which the doctors did not approve all because the bank would not modify my loan. then when they do decide to modify my loan the payments are the same. The loan amount his higher along with the property Taxes. I am so confused, how can they do this to me! please help me ... I am so in need of your help!

Company response to consumer: Closed with explanation