milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: I have been receiving documents from XXXX/Capital One Credit Services addressed to someone who does not live at this address and who I have never even heard of and is not related to me in any way whatsoever. I have called and written to XXXX/Capital One and told them this, and also told them to contact the person and get their correct information, but they keep sending me his or her bills, etc. I do not have any accounts with them, so it 's not like this is a mix-up. Someone entered some information incorrectly on their end, or there 's some fraud going on. I do not want this person 's information to end up on my credit report somehow because it 's getting sent to my address by mistake. The person listed on the correspondence is " XXXX XXXX ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In 2010, Bank of America offered me a new Home Owners Assistance Mortgage Program, set forth by former President XXXX Obama b/c I was 2 months after being in my loan for 7 years on a 30 year fixed loan. They told me to stop making payments, & would n't accept payments until I was approved. 

Bank of America sent me loan documents outline the new terms of my loan, transfering from a 7 % to a 2 % for the 1st 5 years, then year 6 = 3 %, year 7 = 4 %, year 8 till close = 5 % ... and my two late payment would be pushed to the back end of the loan extending my term an extra 2 months. 

The Loan was sold to XXXX immediately after approval, and then to XXXX. 

This year XXXX sent me a payoff history, and future payments where I realized I still have 30 years left on loan, I asked XXXX " why do I have 30 years left on loan, when I have a 30 year loan & been making payments for 13 years already? '' XXXX responded, " They acquired the loan and the terms of modification re-set the loan clock back to 30 years again. '' I said, " No it was supposed to be 2 extra months. '' They told me to " refer to my loan modification document which explain this. '' I reviewed my loan modifications documents, and it states " the loan is to be extended to cover the late payments, about 3 months '' ... also the same as to what I was told on the telephone, not add anxtra 7 years aka {$72000.00} extra.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Not only did Equifax not ensure the security of so much valuable information, their response has been awful. There seems to be no real follow-up, especially given their generic search tool to see if I have been impacted. The results are untrustworthy. Additionally, they have not done much to communicate the error. To top it all off, many of their executives sold off a bunch of their stock before this story hit the press. Seems a little bit too fishy for coincidence. It is very frustrating that a company with so much precious data would be so incompetent at securing it, especially regarding preventative measures. I have a very busy career, and am also regularly busy in my home life. It is difficult to know that for the foreseeable future I will have to take extra time navigating credit information to monitor all of my accounts more than normal, make sure that all IRS/tax issues are closely monitored, and will be constantly nervous that identify theft can potentially happen at any time, regardless of the precautions that I have taken to avoid it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I attempted to do a streamline refi with Homebridge Financial XXXX XXXX XXXX. They contacted me with the refi. I told them I am filing a Chapter XXXX bankruptcy. Can this still be done, " I asked ''? The loan officer said sure no problem. I also disclosed right away to the loan officer about our loan modification that has been closed and recorded and gave him copy of that too. Our modification lowered rate from XXXX to XXXX and they took a balance off of XXXX estimate. I lost my job XXXX XXXX and Illinois would not extend my unemployment past XXXX XXXX. Well filed BK in XXXX XXXX new loan approved with the Judge XXXX XXXX XXXX. I made first payment in XXXX XXXX on new loan. Anyhow with everything the old loan with homebridge not paid off they said they want interest of XXXX from XXXX thru XXXX XXXX XXXX. They gave me a lender credit of XXXX. I already paid closing costs XXXX for escrows etc. They froze the new loan after I made first payment. 
XXXX and XXXX XXXX XXXX cell XXXX email XXXXXXXXXXXX XXXX XXXX XXXX XXXX Il XXXX ... Purchased XXXX/XXXX/XXXX XXXX FHA case # XXXX shows closed XXXX/XXXX/XXXX old XXXX number XXXX Fha new case number XXXX shows only XXXX opened. new loan number XXXX. We are making payments with the collections department of Homebridge since this closing is all messed up. They did not clear the check for XXXX XXXX payment yet??? We will make XXXX XXXX this Friday. Not sure what to do our Bankruptcy attorney is trying to fix but they wont talk to her for over a week now. What is our legal rights on this? I have asked since XXXX XXXX for an explanation since I found out with Homebridge and XXXX XXXX, Homebridge said we will only speak with your attorney. My attorney was requesting the reason either a hud or a breakdown of why they are asking for final amount from me is XXXX. I already paid XXXX in closing costs on XXXX XXXX XXXX. This does not seem to be correct. I asked if they are recalling the modification. The pay off request for XXXX through interest of 4.375 on a loan amount XXXX through XXXX XXXX XXXX. They shaded out the Fha case number as well as loan number. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I opted out of overdraft charges for my account, so if it does not have enough money, decline any transaction. Much to my surprise they are telling me that their fee is exempted, so the bank disregarded my request and sent my bank negative by {$5.00} for their bank fee, then they sent the account further negative by {$20.00} because they said the account is negative for 10 days. They could make it very clear and point out that their fees are exempt and if not cleared up in 10 days, that you will be charged 3600 % per anum. I asked for the account to be closed down if this can not be corrected and they told me they can not until my account is negative for 80 more days and accessed {$160.00} more fro a total of {$180.00} in overdreaft fees, then they will chrge it off, close it down and send me to a collection agency. This is deceptive, unconcionable and needs to be corrected immediately. 
If you can not remove the overdraft fee fro charges I opted out of, then plase close down by accounts as of today, XX/XX/2015Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX abused me as XXXX and promised to delete the negative report if the account paid in full. The account was paid in full on XXXX/XXXX/2015 {$250.00} and it still shows as in collection. I want my negative report to be removed as promised since I was abused from the XXXX credit bureaus. XXXX, XXXX and 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 11/30/2015 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: I am being contacted continually by 5th 3rd Bank at my place of employment via robocalls that are tying up my business phone line and filling my voicemail box. These calls are being initiated bu their collections department. I am not a 5th 3rd customer, not have I ever been. I have contacted 5th 3rd multiple times to inform them of this and to have the number removed from their system, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit card () with U.S. BANCORP (NY).
Issue: Advertising and marketing

Complaint: I applied for the XXXX credit card last month for the bonus award night benefit and they announced that they are taking the benefit away right after I got approved for the card. The card is useless to me now and I wasted a credit inquiry and {$75.00} annual fee. The card member agreement specifically mentions the bonus award night after paying the {$75.00} annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (OH).
Issue: Problem with customer service

Complaint: Data breach at Credit reporting agency 's

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I visited a Wells Fargo located at XXXX XXXX XXXX XXXX in XXXX, NJ on XXXX/XXXX/15. I went inside to make a withdrawal from my checking account. The teller that assisted me was named XXXX.In processing the transaction XXXX advised me that my savings account was closed.I informed her that I knew and that the account was closed because it was initially opened by a branch manager without my permission. XXXX then persisted that I needed to reopen the savings account to avoid the $ XXXX monthly maintenance fee. I told her I was avoiding the fee already by participating in a different activity which also allows me to avoid paying the fee. She told me that the fee is only waived if my checking account is linked to a savings account and simply said " we can reopen that for you today it 's no problem ''. I told her I would think about it, took my withdrawal and left. The information XXXX gave me was completely inaccurate and misleading and was simply an attempt to get a " sale ''. I may not have looked like it because I was dressed in shopping gear, but I work for a bank myself and I know a little about deceptive practices that some individuals use to meet their sales goals. If I did not have inside knowledge, I may have once again fallen victim to these deceptive practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (PR).
Issue: Loan modification,collection,foreclosure

Complaint: Case number : XXXX was opened on XX/XX/2016. Citimortgage requested again all the documents for a loan modification for the third time. 

Citimortgage closed the case again allegedly for me not submitting " additional '' documents within their required date. I submitted them via the email provided and can prove it. Citimortgage refuses to modify the 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 11/20/2017 about Debt collection (I do not know) with McCarthy, Burgess & Wolff, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: McCarthy, Burgess & Wolff Address : XXXX XXXX XXXX, XXXX XXXX, OH XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX A representative named " XXXX XXXX XXXX has called me daily leaving a voicemail asking to collect a debt, not knowing who they are contacting and asking for personal information. After the 3rd call on XX/XX/17 I called back and asked who they were trying to contact, they refused to tell me. I asked what creditor they are trying to collect on behalf of. They refused to tell me. I then asked that they send a validation notice/letter and XXXX did not know what that was ( which is her job ). After explaining it to her, she asked what address to send it to, I said to send it to the billing address that the creditor has on file. XXXX did not acknowledge that I even spoke to her. I asked her if she was going to send it to me " yes or no '' and she said yes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XX/XX/2018 TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Account # Alleged Balances of XXXX and XXXX are unverifible To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

{ XXXX XXXX XXXX } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: On XXXX/XXXX/2015, I saw an online promotion from CITI which said XXXX bonus ThankYou Points canbe awarded after {$2000.00} in purchases within XXXX months if a new CITI Preferred Card is opened. Then I followed the link to apply the card and got instant approval after application. Then I spent more than {$2000.00} within XXXX months, and in the XXXX month, guess what, not a single ThankYou point was awarded. I called CITI customer service twice and they just responded that investigation is needed. I also mailed once, and finally on XXXX/XXXX/2015, I received a mail from CITI explaining the reason : " ... this account is not eligible for the offer you mentioned because you have had the same or similar offer on another account that has been either been opened or closed within the last XXXX months ''. What a despot clause! Where did CITI mention a period of XXXX months is needed for a new card to be awarded when I applied the new card? That is also unreasonable, does it mean I could not buy XXXX cars simply because the dealer has to offer promotion discounts for XXXX cars. Why CITI play such a trick in order to keep customers opening new cards and our customers just act like fools to spend money ( sometimes buying extra unneeded stuff ) in order to reach the amount required in XXXX months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Discover BankInquiry fromXX/XX/XXXX-XXXX XXXX XXXX XXXX.This inquiry could stay on your report untilXX/XX/XXXX..Discover BankInquiry from XX/XX/XXXX-XXXX XXXX XXXX XXXX.This inquiry could stay on your report untilXX/XX/XXXXXXXX/XXXXInquiry fromXX/XX/XXXX-XXXX XXXX XXXXThis inquiry could stay on your report untilXX/XX/XXXX.See an error?Find out how to dispute a hard inquiryInstitution InformationXXXX/XXXXXXXX, FLXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (CO).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow-up to complaint XXXX. I still have received no statement of my Selene account of any kind, or a monthly statement, or even a payment coupon. I began requesting these on XXXX XXXX, 2015. It appears I am still in foreclosure mode even though I signed their mortgage documents last XXXX. 
On XXXX XXXX, I did receive a notice of my next year of escrow, so they have my address. 
The notice informed me of an increase of {$120.00} in my mortgage payment beginning XXXX XXXX. Am I not entitled to more than a week of notice for such an increase in my monthly payment? 
It is quite clear now that Selene has a specific reason to not let me know the details of my account with them since XXXX sold it to them last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX of XXXX, FL ( Representing XXXX XXXX ) has our entire bank account of over {$4000.00} on hold for garnishment for a credit card debt with Chase Bank from 2002 from a previous marriage without any notice at all. Even though my name is on the bank accounts along with my husband, son and my mother, I am on there as a convenience only. XXXX has told me that the statute of limitations is 20 years, for credit card debt. However, the limitations is 4 years. Lis Pendens was not filed. Now that I have purchased a round trip plane fare, filed for an exemption, XXXX ( representing XXXX XXXX ) have filed a motion for a telephonic hearing. Because of this, my husband had to get a {$5000.00} loan to cover all our bills including return checks and nsf fees. I really appreciate anything that you can do to help me in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to refinance my house and they discovered an account with XXXX for {$3200.00} that had been " charged off ''. 
I called the lender to say I had no idea what this was about. They did n't have my correct address, my correct phone, nor my email. ( and would n't tell me what they did have ). But they obviously had my name and SS #. 

There was never a payment made and I never received any attempt to contact me. They said the account was made online. They opened a fraud investigation ( supposedly ), but since the debt was sold, they would n't call the credit agency. I do n't even know who it was sold to! 

Anyway, I 've got a house being refinanced for {$560000.00} and a $ XXXX fake account is the difference between a $ XXXX/month payment and a $ XXXX/month payment. 

I submitted a dispute and XXXX took it off, but Transunion did n't. What can I do?

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 10/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient began calling me several months ago, saying that I had a payment due. I knew this was not the case as I did not graduate until XX/XX/2016 ( XXXX until that point ). I was told they were contacting me on behalf of XXXX XXXX as my account was in collections. So, I contacted XXXX XXXX directly. I made sure they had my enrollement verification on file and that all was well. However, Navient kept calling SEVERAL times a day - both me and my mother. On average, they call my cell phone 7 times per day, my mothers cell phone 7 times a day, and her office 5 times per day. Sometimes a few more times, never any less. I started ignoring the phone calls as I was told by XXXX XXXX that I did not owe them any money. Navient began leaving voicemails for both myself and my mother each time they called. The voicemails always last at least 30 seconds, but there is never anyone talking, all you can hear is background noise ( people talking at a distance ). Oftentimes when they called, the phone would ring for about 5 seconds and they would just hang up. At this point, I began to suspect that it was not actually Navient trying to contact me, but someone attempting to steal my identity. What credible company does things like that?? At one point, I answer their call, and they tell me they are calling on behalf of my federal student loans and that I was delinquent and needed to make a payment. I knew this was not the case, so I hung up immediately. Today, I decided I had finally had enough. I called Navient and spoke with someone, demanding they explain why they had not stopped calling me. It turns out that Navient purchased one of my loans FROM XXXX XXXX, THEY WERE NOT CALLING ON BEHALF OF XXXX XXXX AS THEY HAD TOLD ME IN THE FIRST PLACE. After being transfered to speak with a supervisor, I told him I had no idea what had been going on as I had been misinformed by several of Navient 's employees in the past. I told him I would upload my enrollment verification form immediately so that I could use up the rest of my grace period. The supervisor then told me that it was too late and I was no longer entilted to the grace period and I had to make a payment at that exact moment or else my delinquincy would begin to show on my credit and my mothers credit ( she is the cosigner ). I insisted that I knew I had a legal right to 6 months grace period, starting at the moment that I was no longer a XXXX. His tone and words began to change slightly, but told me that I would need to call back in an hour after I had uploaded the verification form to see if they would be able to complete the request in time to avoid credit reporting.

Company response to consumer: Closed with explanation