milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Customer service / Customer relations

Complaint: Several months ago, I made a purchase at a XXXX Sears Store. At that time I changed my billing address. Giving the store my new address. I thought the bill came in and was paid months ago. Yesterday, I received XXXX Sears bills in my mail box. They were placed there by the person that purchased our previous home. All with late charges. Today, I called the XXXX number and spoke to XXXX Citi Bank reps. I paid the original purchase however, they will not waive the remainder late fee. XXXX of the XXXX reps disconnected our phone conversation. I have an excellent credit score. The gentleman at Sears did not tell me that I had to contact XXXX XXXX directly to change my billing information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've tried numerous times to get this inquires off my credit file that I did n't authorize. I have no account with these companies. The companies told me to contact Equifax & Equifax telling me to call them. This is very frustrating. The inquires are as follows : 1. XXXX/XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX ( XXXXXX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 6. XXXX XXXX XXXX XXXX ( XXXX XXXX ) 7. XXXX XXXX ( XXXX XXXX, XXXX ) 8. XXXX XXXX ( XXXX XXXX, XXXX ) 9. XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 10. XXXX XXXX XXXX ( XX/XX/XXXX ) 11. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX ( XX/XX/XXXX ) 14. XXXX XXXX ( XX/XX/XXXX ) 15. XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I was unfairly treated for a possible Loan Modification or a Refi. by my Bank JP Morgan Chase. We have been unsuccessfully since 2011 trying to get this done with them to no prevail. I have documentation that shows a pattern of unprofessionalism with regards to obtaining either. Also I have experience a unwillingness to help in this matter from the bank. Only to have them try to Foreclose on my home twice now in the last 6 month 's. 
This experience has been very stressful and nerve wrecking. 
I have experienced all types of unprofessional persons form within the Chase Mortgage Realm that could be listed as border line Monsters. evil persons with no Business Ethics at all My documentation will show a pattern of this behavior with brings us too why we are here today.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XXXX, we filed Chapter XXXX bankruptcy of which our cars and mortgage were not included and were reaffirmed. Payments have been made and continue to be made yet our credit reports do not reflect them, which is affecting our credit. HSBC has put us under the " bankruptcy '' customer service umbrella and refused on numerous occasions to change our account status. They are in direct violation of the federal court order. That and our bankruptcy was discharged approximately XXXX years ago. The bank will not allow us to make payments online based on this fact. I have tried several times to dispute this but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax has outdated and incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: 1-Debt collector agreed to send a settlement agreement letter but refused to do so until agreed upon amount was paid. 
2-After paying agreed upon amount debt collector sent an email requiring me to give additional information in order to see the email. 
3-collection agency has refused to send me confirmation the debt has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion removed inquiries from my credit report and re-added the inquiries without notifying me.

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 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed with all XXXX Bureau 's about Hard Inquiry on my credit report and was told that they can not remove them and that I needed to contact the institutions and that the institutions needed to send a letter to each Bureau to have them removed. I did what each Bureau told me to do. It took me a week to get any type of answers from each creditor. The Creditors were suppose to send a letter to the each Bureau to have it removed. I waited a month and the inquiries are still on my credit report. I contacted all XXXX Bureau 's and they are still refusing to remove them even after I contacted the Creditors to have them remove them. I am not sure what else to 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 03-08-2018 about Checking or savings account (Savings account) with ZIONS BANCORPORATION (AZ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: In XX/XX/XXXX, National Bank of Arizona ( NBA ) sought a banking relationship with us by providing 2 money market and 2 checking accounts with the promise of " no fees. '' We moved our relationship that was on a no fee basis to NBA based on their representations ( XXXX XXXX XXXX, Sen VP and XXXX XXXX, President ). The NBA account on-line forms consistently stated no fees if a balance of {$5000.00} was maintained. At all relevant times, sufficient balances were retained. At first, NBA did not charge fees. Years later, the fees would appear on statements. We called and there were reversed. It happened with additional frequency, and we called ( XXXX XXXX XXXX or XXXX XXXX ) on each occasion resulting in a reversal. The fees were hidden with descriptions of " Business Analysis Fees '' or some other veniculer. When questioned, NBA would state that the fees were for not going paperless. We informed them this was a no fee set of accounts, agreed to go paperless and the fees were reversed. Months later they came back without notice or explanation. We called and were informed that they were reversed. With the preparation of the tax return for XX/XX/XXXX, it came to our attention that the fees were not reversed amounting approximately {$900.00} per account taken from our accounts. The precise amount is difficult to determine because NBA will not provide the information even though we have requested it on 4 separate occasions. On XX/XX/XXXX, XXXX XXXX ( NBA Branch Manager ) informed us that they had been taking monies out of our accounts since sometime in XX/XX/XXXX. No notice of a change in policy was sent and XXXX XXXX stated that NBA changed its policy because they felt that after 7 years of no fees, NBA needed to make money. We were not provided with choices to close the accounts and avoid fees, were not provided with notice of any changes in policy, did not authorize NBA to take fees from our accounts and feel as though we as well as others have been victimized by the NBA XXXX similar to the XXXX XXXX fraud recently coming to light.

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 03/30/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Application, originator, mortgage broker

Complaint: Refer to complaint # XXXX The CFPB had sent the complaint to Chase. 
Chase ( XXXX XXXX XXXX XXXX ) as the letter from XXXX in the files indicates, XXXX is now a part of Washington Mutual. Chase ( XXXX XXXX ) is unable to access the records of XXXX until he has verification from the CFPB that PNC MOrtgage is a part of Washington Mutual, who Chase now owns. With this verification from the CFPB, Chase will then be able to access the records of XXXX thru Washington Mutual.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Bank of America allowed numerous ATM debit transactions on an account that had a {$0.00} balance. Numerous withdrawals were made over a week period that exceed the daily ATM withdrawal limit and increased the account 's negative balance to just under {$8000.00}. This type of activity had never occurred on this account over the 5.5 years it was open. However, these transactions did not raise any red flags with BofA that led to a direct inquiry. 

When I called BofA on a recorded line and told them not to allow any further transactions, two additional withdrawals were made later that day for {$1500.00}. 

BofA had no explanation about how these withdrawals could have continued to happen with such a large negative balance. They had no explanation regarding how they performed their fiduciary duty to protect my assets. I closed my account. 

BofA reported Account Abuse to XXXX. I paid off the reported amount so I could continue bank with another bank. I am disputing my responsibility for the last {$1500.00} of withdrawals thru XXXX following my recorded call request to stop all further transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am filing a complaint against the 3 credit bureaus Experian, XXXX, and XXXX. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and 2 more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, Experian and XXXX  removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with M&T BANK CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: M & T Bank set up a set of conditions making it impossible to pay off a commercial loan I had without paying a {$3100.00} fee even though the loan was sold as no pre-payment penalty after 5 years. I am only allowed to pay off this note on 12 individual days during any given year AND I have to give 60 days notice for that day. Here is an exert from the letter I sent them outlining the issue. ; I received a payoff letter from you on Loan # .... dated XX/XX/XXXX for an upcoming closing on the subject property. On that letter was a fee marked " Other Funds Due '' totaling {$3100.00}. I am disputing this charge and request that it be removed prior to my closing on XX/XX/XXXX. I was told in a phone conversation on XX/XX/XXXX that if I closed after XX/XX/XXXX, thereby satisfying the 60 day notice requirement, there would be NO PENALTY. This new charge did not appear on the previous payoff letter and was never mentioned during that lengthy conversation with several bank officials. 
To evoke a " 60 day notice '' clause AND a " close on one particular day '' clause is completely unreasonable and probably undoable. The closing date is mostly dictated by the buyer. To be able to predict 60 days PRIOR that we will be able to coordinate buyer 's attorney, bank attorney, seller 's attorney, title company, buyer, and seller to all be available on one particular day 60 days forward is ridiculous at best and certainly highly unlikely to be attained. 
I also feel this is tantamount to usury, robbery, and using a license to steal.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (CA).
Issue: Closing on a mortgage

Complaint: The bank accepted a lesser payoff, it was not a short sale, this was in XXXX of XXXX. The balance due was {$3000.00}, this was not disclosed until after the sale was completed. For two years the bank accumulated escrow charges on the {$2000.00} balance, the bank paid insurance and property on a balance of {$2000.00} as if it were a property, all this was happening after the purchase was complete, I was no longer the owner of the property, the total accumulated to over {$8000.00} including legal fees for the foreclosure. The bank also took me to foreclosure proceedings because of the unpaid balance. The property was not in my name, the buyer owned it and was paying escrows. I finally agreed to pay off the balance because the property that was no longer mine was going to be foreclosed upon, I would have liable for a law suit from the new owner. I tried for two years to reason with the bank, no success. It was a huge financial hardship for me. I paid off the balance XX/XX/XXXX, I have a letter to prove that. Even after I paid off the balance the bank sent the account to a collection agency. It took me two years to clear that up, finally on XX/XX/XXXX the collection accepted the letter from the bank stating that the unpaid balance had truly been paid. The attorney involved in the foreclosure process bullied me when I called them to inform them that there was no actual property involved, XXXX and XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, XXXX. They said they would proceed with the foreclosure and that the new owner was going to loose his property because of my unpaid balance. The new owners 's name at the time of foreclosure proceeding was XXXX XXXX, XXXX. He had no idea was was going on and that he was in danger of loosing his property. The collection agency was 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 05-07-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed the 'date of first delinquency ' with Equifax . They completed their investigation but did not address the issue I disputed ( they responded stating that the balance, close date and date of last activity was correct when I specifically disputed the DATE of FIRST DELINQUENCY ). I called the creditor to confirm the correct date and re-disputed with Equifax ( XXXX ) and provided all the contact information of the person that I spoke to at the creditor. They have already completed the investigation and did still did not address the issue that I have disputed. I am including copies of the letters that I have sent them during the dispute process. Equifax failed to properly investigate this information and is continuing to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is company on my credit report - LVNV Funding LLC reporting an account with the EXACT same account number that I submitted a complaint about earlier from XXXX XXXX that I do not recognize. I 'm guessing it is a collection agency but I do not know. It was reported XXXX and the status says " chargeoff or collection '' with a balance of {$2100.00}. I do not have anything with this account number not have I ever heard of LVNV Funding LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit card () with CITIBANK, N.A. (MT).
Issue: Other

Complaint: I was attempting to set up an online account so that I could make an extra payment before the end of the billing cycle and was prevented from doing so because of a security word. I called and Citi kept attempting to ask about the same security word set up decades before. We have had the account since 1985. I have no idea what the security word was, nor should it matter. There are alternate ways of understanding that I am the account owner. So now, I ca n't avoid about {$100.00} in finance charges. Thank you Citi!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The spelling of my name is incorrect on my Equifax credit report. I am filing a derogatory mark complaint to have this updated to the correct spelling of my legal name. The correct spelling of my name is : First Name : " XXXX '', Middle Name : " XXXX '', Last Name : " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Services acquired my loan from XXXX XXXX XXXX XXXX. 
XX/XX/XXXX I received a letter informing me that an escrow account has been established and a hazard insurance policy provided. I called SLS and gave them details of my existing hazard insurance policy and asked XXXX XXXX to send proof of insurance. SLS confirmed receipt of hazard insurance documents, cancelled the escrow account and issued a statement showing a credit for all escrow charges. However, when I reviewed my bank statement XX/XX/XXXX, I observed payments to SLS exceeded normal amounts that are automatic each month. After several calls to SLS, I was eventually told " a payment for hazard insurance was made to XXXX XXXX '' and the escrow account has been reestablished. When asked who requested or authorized the payment to XXXX XXXX, I was always referred to someone else. Attempts to reach XXXX XXXX, the account representative for XXXX XXXX have been without success. SLS continues to request monthly ACH payments from my bank account that include amounts for escrow. XXXX of SLS executive office was contacted and she insisted that the escrow account can not be discontinued although I explained and offered proof that I had already paid XXXX for hazard insurance and was never delinquent or tardy with payments of any sort. Telling her I will seek legal advice on the matter did not change anything. In fact she said I can go right ahead. My wife who was never involved with this issue received an email from XXXX XXXX saying a refund check was issued for hazard insurance. However, that check was never received.

Company response to consumer: Closed with explanation