milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: So I started working with Citi over a year ago, as detailed in another complaint. After extensive back and forth where they asked for my paystubs and bills, they eventually decided that they would not help me refinance. They have said they pre-approved me for short-sale, but wo n't help me stay in my house. 

This seems such a waste to me. I finished my XXXX, have a good job which would let me pay my mortgage ( I make XXXX/year doing regulatory compliance ), and rather than work with me to get out of foreclosure, so I can keep my house, and pay my mortgage, they insist I leave. To sell the house, I would have to get Title V approval, and possibly build a new septic system. Why I would invest more money into a house that I am just going to have to leave is beyond me. 

I do n't really want to declare bankruptcy and see if a bankruptcy judge would approve a new mortgage plan. I do n't want to invest further in a house I ca n't keep. It just seems such a waste. Sure, to refinance they would probably have to write some of the debt off, as I am already underwater, but that money is gone if they foreclose anyway. I honestly do n't know what else to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: First contacted XXXX, XXXX, XXXX XXXX and Bank of America about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by Bank of America, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX.  I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked Bank of America to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response. All three credit bureaus have returned these disputes as investigated and as being mine twice now with no evidence or proof I own these debts. No attempt to provide Proof of my  responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and Bank of America does not provide any proof of my responsibility.

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 09-03-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I received a debit visa card for a wells fargo checking account. I do n't have a wells fargo checking 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 01/19/2017 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Yes I have filied a identity theft to the XXXX credit reporting companys. I got 1 response to 1, the other 2 have not been able to due to not getting right address from them when I call. That is my one complaint that they do not answer or report the right information. My XXXX complaint is there is a report on my husband report and they told me at the county office that the credit reporting companies hire someone to go in and get info and report back to them. They do n't look at birthday or SS to make sure they have the right person or not. They reported on my Husband when it was my Son 's debt just cause they have the same name just one is a XXXX the XXXX. They told me its our job to look at our credit report and dispute something that is not ours if we see something wrong. I told her what about our credit score? It takes your companies 3 months to fix and the damage done what

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This company must be XXXX, because of their lack of bookkeeping they 've been harassing me for over 2 years. They chose to have XXXX separate student loans with the same account number so when I paid for both on a monthly basis they applied it to only XXXX which made it seem like only XXXX was being paid. I asked for them to be combined but they refused so now I 'm being harassed everyday, before XXXX about 5 times or more per day and after XXXX. I continue to pay monthly for both loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Credit card) with Johnson Mark LLC (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I recently recieved a letter from an attorney named Mark Johnson LLC dated XXXX/XXXX/15 in which they state I owe a balance of {$320.00} for a judgment with no case number given. This is XXXX of many demands for payment made by this company over the last couple of years. They have issued several garnishments against my wages in the last XXXX years. The last garnishment was confimed as paid in full by my employer 's payroll department and XXXX County Sheriff approximately XXXX. I have not recieved responses to previous requests for validation of the debt and/or confirmation of previous monies recieved. I believe this law firm is repeatedly attempting to collect on a debt that has been paid multiple times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit card () with JPMORGAN CHASE & CO. (KS).
Issue: Rewards

Complaint: I tried to use some of my Chase Credit Card points with their Ultimate Rewards Program to buy a plane ticket. I was charged in points for the ordinary economy ticket, however, what I got was a very restricted ticket that gave me the choice of only a few seats in the back of the plane, and I could not upgrade seats, nor was the ticket changeable even for a fee. I ordered and thought I got a regular economy ticket, but the airline said it was a special restricted ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have XXXX accounts on my credit report that are being reported XXXX under my negative items. These are student loans that were all reported by sallie XXXX XXXX XXXX. XXXX XXXX assigned these loans to XXXX. XXXX XXXX and they too reported the same loans in XX/XX/XXXX. The loans have same origination date same late dates and same dollar amount but they appear as XXXX identical entities just wish h slightly differencing loan company names. I understand it has to be reported but I also understand that it should n't be duplicated. I have tried disputing it but if the investigation asks both companies they will give u info each of them of th same loan but XXXX!!! That does n't seem like fair reporting

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (I do not know) with Clear Debt Solutions, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company called me XXXX XXXX, 2016 regarding a debt that I have no knowledge of. I have never heard of the company and the man was harrassing and said I must file a police report. I stated no I did not have to do anything, but by FDCPA they were required to send me a notice in writing regarding this alleged debt. They have the incorrect employer, bank account and email address that they stated they have on file for me. I was transferred to a supposed manager and he was threatening to me and harrassing when I asked repeatedly for their mailing address. He asked for what? I stated to mail correspondence. He then went on and said, let 's see, we are going to find out what property you have and take a lien against it and we are going to charge you with fraud and I stated again please provide me with your mailing address. After several attempts he finally provided it to me. This company is not licensed to do business in my state and they are trying to use illegal tactics to get people to pay debts that do not belong to them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted Equifax and spoke with a representative that stated that request to remove was done ; contacted XXXX   and spoke with a representative that stated the request to remove was done ; contacted XXXX ( no representative available, only automated system ). I tried to use the prompts but when the call ended the XXXX system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent in several disputes to Transunion in XX/XX/XXXX and received a new copy of my credit report with each one having been " verified '' I requested further information/reinvestigation even after 2 additional requests for reinvestigation and method of verification and received nothing. Then today I received a XXXX page letter with a definition of investigation. Not a definition of an investigation into my specific request but a definition of the word investigation. I have attached a copy of the letter along with the copy of my " verified '' report from XX/XX/XXXX. Matching report numbers but again no verification. It has been well into 75+ days and they have shown no reinvestigation. 
Transunion needs to delete the disputed lines that they say they " verified ''

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 04-07-2017 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/XXXX my husband and I met with a MLO to discuss loan options and be pre-approved. We were given the option of a destination home mortgage, but at that time not given the exact requirements of maximum gross income to qualify. On XX/XX/XXXX, two days before closing on the home, we were told the loan was denied because of exceeding max income ( we had actually been denied on XX/XX/XXXX but not told ). If the information had been given to us we would have recognized we do not qualify. From this point we were given false information on our loan options moving forward including the amount we would pay out of our pocket at closing. The MLO dragged out from the begging of the process and yet again after denial, giving us information about a FHA loan. We were not told of a deadline to submit for another loan before the application became inactive and the process would start over again. Because of this deadline on XX/XX/XXXX the MLO submitted for a loan ( conventional LPMI loan ) which I had not consented for, when that morning I had in fact said we wanted the FHA loan. If the loan he submitted us for had been approved then we would be unable to pay out the loan. We then worked with the MLO 's manager since the MLO refused to " deal with us ''. The manager told us we are not the first people he has given false information to and that he submitted information on our loan incorrectly, the MLO " did n't do his job ''. In addition, we originally had difficulty signing the disclosures due to the MLO being unfamiliar with the online program yet the process proceeded. Also, poor communication skills of the MLO including incorrect grammar, spelling and incomplete sentences made it extremely difficult to have questions answered and understand the answers given. Once we worked with the manager, we resubmitted as a FHA 4.375 % interest with loaner credits due to the amount we need to bring to closing being much more than originally promised by the MLO, with the closing date of XX/XX/XXXX versus XX/XX/XXXX. In order to have the extension on the contract, our seller 's had to compensate their seller 's for their new house. Now we also have to hire mover 's instead of doing the job ourselves since we now need to move on weekdays we already are scheduled to work.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: Between XXXX and XXXX of XXXX while researching investments via the world wide web I came across an advertisement of sweepstakes Income machines that would be placed in " HIGH TRAFFIC '' areas and would produce residual income, this investment vehicle was the " XXXX '' of self made XXXX XXXX XXXX. 


After making contact with their office and talking to XXXX XXXX XXXX and XXXX XXXX XXXX, they eventually convinced me to make the investment of which i was eager to invest in something i believed to be a legitimate business opportunity. On XXXX XXXX, XXXX I deposited {$4900.00} into what i thought was a legitimate bank account at the Bank of America branch in downtown XXXX at XXXX XXXX time, Bank of America is responsible for my fund deposited into their Institution as well as allowing an account to be opened for the purpose of " MONEY LAUNDERING '' in a " PONZI SCHEME ''. 


My Customer receipt Information : XXXX XXXX XXXX/XXXX/XXXX XXXX Entity NIL XXXX XXXX XXXX # XXXX R/T # XXXX $ XXXX FDIC Member XXXX XXXX XXXX XXXX, XXXX i received a congradulatory letter XXXX XXXX and XXXX. informing me also that they had received my investment monies and that my XXXX XXXX Machine will be placed within XXXX days of the letter they sent me. 
XXXX the XXXX, XXXX I received another letter from XXXX XXXX and or XXXX XXXX, XXXX. regarding the delay of placing my XXXX XXXX Machine due to the increase in investors and that due to the delay they would have my placed, up and running with 10 % interest within 45 days from the above mentioned mentioned date. 


After several unsuccessful attempts to contac and or connect with the above mentioned XXXX XXXX, XXXX. employees and XXXX XXXX him self, i began to file complaints with local authorities in an effort to get back my {$49000.00}. 

XXXX XXXX. XXXX i filed a complaint with the Attorney General 's Office # XXXX XXXX, XXXX file a complaint with the Illinois XXXX XXXX XXXX, XXXX at XXXX i contacted Bank of America Corporate office and spoke with XXXX who said that she would communicate my concerns to Chairman and CEO XXXX XXXX whom of which i have n't from as of the date of this complaint. Ref # XXXX. 


XXXX XXXX, his employee 's, agents are responsible to the general public for the safeguard and protection of all financial and or tangible assets deposited into their institutions and are responsible for my {$4900.00} deposited into their downtown XXXX branch on XXXX XXXX, XXXX at XXXX. 


Bank of America and its Directors, CEO, Agents and employees ' are held to the " HIGHEST ESTEEM '' to safeguard the public form " FRAUD '' and " MONEY LAUNDERING '' within their institutions, " THEY HAVE FAILED ''!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a bill with XXXX for {$28.00} for service on XXXX XXXX 2016. I paid the bill in full on XXXX XXXX 2016 to XXXX. Sadly Wakefield has haressed me about it in even after payment was made and added interest to the bill. They called me a liar about making the payment and continue to send bills.

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 12-08-2016 about Consumer Loan (Installment loan) with Flurish Inc. (CA).
Issue: Managing the loan or lease

Complaint: In XXXX 2016, a check was sent to Lend Up ( dba Flurish , Inc. ) to pay off my installment loan taken out in XXXX 2016. The check was for approx {$300.00} more than was owed. Since then, I 've waited patiently for the refund of the overpayment. I have emailed their help desk and received canned responses with no concrete info given on the whereabouts of my refund. I 've also called twice and spoke to a manager who said within the next week, I 'd be receiving an email asking to have my address confirmed so they can make a check within the next 60 days. No email was ever received. That was 3 weeks ago.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CHECK INTO CASH INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: X/XX/17   . I went to check into cash and they pulled my credit for a payday loan. I got a alert from credit reporting agency that they informed me i had a inquiry on my credit report. Then two weeks later   X/XX/17  I   went back to the branch and rewrite my contract and i got another alert stating that CHECK INTO CASH did another credit inquiry. I do n't like this idea at all .It affected my  credit score.  I was n't informed that they would do this to my credit. I did n't see any signs in the building stating they pull credit. I called the home office in TN and they could n't answer my question. They took my name and said they will have someone to call me. I 'm thinking as a PAYDAY LOAN why would they pull my credit if they ask you for a blank check, pay stubs, bank statements, proof of address, social security card and Driver license. I do n't like how they do business here. Please help me get this resolve. Thank You In advance

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (VA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: ( j.p.morgan chase ) not professional or correct to capitalize their banks name. Violation of my individual due process in banking errors. ( j.p.morgan chase ) Failed J.P. Morgan Chase also in former complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Vehicle loan or lease (Loan) with REGIONAL MANAGEMENT CORPORATION (NC).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: We are 2 months behind on car payment. Called today to make a payment of {$420.00} which is my monthly payment. The caller refuse saying if I didn't have {$600.00}, I had to turn the car in. I asked the caller to explain there policy. Caller stated he was told to only accept {$600.00} from me. I am on a fix income and I make a payment once a month. they refuse my payment but will try to report it to credit bureau like I was late but I'm on time. Caller stated I had to have {$600.00} or turn the car in. I just want to pay my car payment and drive in peace but the works at the location is very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Loan modification,collection,foreclosure

Complaint: We have a XXXX and XXXX with Bank of America. My husband and I have got caught up in the predatory lending of several years ago when the housing crashed. We continued to pay our mortgage, at XXXX point we were given a temporary modification ; however that did not solve the issue. I am well aware we make some bad decisions. When we signed the loan with an adjustable rate we were told it was only temporary and would only be within 5 years and we would be able to refinance to a fixed rate. 
We have repeatedly tried to get the loan modified to a fixed rate with a lower rate, currently we are paying 9 % adjustable and a XXXX at 12 % with a balloon.. We are paying over {$1800.00} for a {$200000.00} loan on a house that is not worth {$150000.00}. We made another attempt to have the loan modified, we were turned down. BOA turned down the modification, but stated they will support a short sale. We have been in this house over 21 years and have attempted to stay. They are basically saying they will give a lower rate/fair mortgage to a new buyer but will not work us ; with the customers who have paid faithfully when 'normal ' people in this situation would have walked away along time ago. We estimated we have paid them over {$200000.00} already. This should be a crime.

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 07/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: receive multiple calls daily from Harley Davidson Fin. serv. XXXX a nd three times daily at various hours. This in regards to a 2014 Harley XXXX I 've had the MC for appx 14 mos. I have repeatedly told this co. that I can not afford to pay for it. I also informed this co. several times that I took all insurance off the bike. Harley continues to make calls to me. I said that they could have the MC back for {$1800.00} that I paid to have extra parts put on the bike. I kept my payments on time for over a year. I paid XXXX cash money for a Harley. Now, Harley is threating repo. Due to all these harassing calls, I feel that debt is paid in full and my intent is to file harassment charges against Harley.

Company response to consumer: Closed with explanation