milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has been Dual Tracking me for years unofficially and since XX/XX/XXXX publicly. 

On XX/XX/XXXX Bank of America incorrectly denied me MHA HAMP. On XX/XX/XXXX Bank of America incorrectly denied me an appeal. On XX/XX/XXXX Bank of America made me a settlement offer for their wrong doing on a previous MHA HAMP. On XXXX XXXX, XXXX Bank of America forwarded my account to foreclosure. On XX/XX/XXXX Bank of America negligently denied me MHA HAMP. On XX/XX/XXXX Bank of America incorrectly denied me MHA HAMP on appeal. On XX/XX/XXXX Bank of America granted me MHA HAMP and a MHA HAMP TPP on appeal. On XX/XX/XXXX Bank of America fraudulently denied me MHA HAMP through CRM/SPOC issued correspondence and continued to do this through XX/XX/XXXX. In XXXX XXXX Bank of America put a cease and desist collections code and tag on my account. On XX/XX/XXXX Bank of America fraudulently reaffirmed the incorrect appeal denial. On XX/XX/XXXX Bank of America removed the cease and desist collections code and tag on my account. On XX/XX/XXXX Bank of America made me a settlement offer for their wrong doing during the modification process. On XX/XX/XXXX Bank of America incorrectly caused to be recorded a Notice of Default. On XX/XX/XXXX Bank of America negligently caused to be recorded a Notice of Trustee 's Sale. On XX/XX/XXXX Bank of America fraudulently caused the sale of my home and property. On XX/XX/XXXX Bank of America fraudulently caused the recording of a Trustee 's Deed representing to me and the public my home and property had been sold at public auction. 

I am the only constant player in this whole ordeal. No one knows better than I the who, the what, the how, and the why of what went down from start to finish during and throughout the loss mitigation processes. 

All previously mentioned resolutions are desired and mandatory.

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 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XX/XX/2017  - ( {$25.00} ) My credit card company declined an automatic payment from my internet service company for the month of  XX/XX/XXXX . Due to the payment decline, I got charge with a {$25.00} fee. I contacted my credit card company about their system error, and they refused to accept the responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with KEYCORP (CT).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: XXXX XXXX, XXXX, my account was hit with a {$57.00} charge from XXXX. The day prior I had taken out the remaining funds in my account because XXXX did n't reassure me that this issue of my account being compromised would be resolved. I just got my direct deposit from my bank in my account. The account was at a {$0.00}. When this charge got charged to my account it made my account - {$57.00}. They assured me that I would get the funds back so that I can use the funds myself. XXXX XXXX, XXXX, I got credits put on my account but did n't get the {$57.00} back the way they stated I was going to get it. I called XXXX and they proceeded to give me the runaround and even taken it step further and called XXXX Corporate Office to get the funds back to me so that I can utilize it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i checked my credit profile and i noticed there is an item on my account for the amount of XXXX from XXXX i been having some issues with my credit so i m assuming this is fraud and i strongly believe this is not my account. i would like for the above company to stop threatening me and harassing me using profanity i called because the number was listed on my account as of XX/XX/2016

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was not informed the payment was due. I was in XXXX Texas at the time dealing with a natural disaster hurricane disaster flood.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting letters from Midland Credit Management for debts that ARE NOT mine. How do I get them to stop harassing me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: XXXX/ XXXX XXXX group as assignee of Citibank N.A . had asked for copies of statements proving the balance due, had asked everything in writing to stop robo calling ; had told them balances were in error and that Citibank had not honored credit protection, rewards points, XXXX had refused any assistance in this matter ; they had been reporting this account late going on 3 years on my credit report. Summons was issued, refused any assistance, paid attorney XXXX to answer summons, filed at the courts myself ; had para legal complete and notify XXXX/ Citibank ; with case management, filed and entered at court ; ordered to appear XXXX/XXXX/XXXX original XXXX then changed to XXXX ; I appeared at XXXX then stayed the entire day of which XXXX group no showed ; they were given another court date XXXX XXXX, XXXX had I been the one not to appear I would have a judgement however since it was a credit card collectors representing the banks with legal representation? it was rescheduled. Most recently mailed a threatening notice claiming that they still had not received appropriate information? This has been causing undue stress and continued negative reporting on my credit rating which I have been trying to correct after major medical, loss of homes foreclosures, had Citibank has knowingly sold this and XXXX has knowingly refused to stop proceedings while under investigation. They failed to show!! this should have been at the minimum dismissed with prediduce. I have told them that I am on a fixed income and unable to come up with cash lump sum, I have also shared with them it is inaccurate and that they need to send the numerous years of payment to me showing just where they got their totals? Citibank has complied with liar reports sent directly to XXXX with their added fees after they declined to assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: On XX/XX/2016 I attempted to access my credit report online through a credit monitoring service ... the site stated that they were unable to process my request so I called the customer service number listed. They told me that I needed to call Experian to correct some information because what I was entering into their system did not match Experian 's records. I went to Experian 's website and was able to access my credit report using my credit report number and social security number. When I reviewed the report I noticed that there were accounts listed that I did not recognize and the report did not show any positive credit history. I could n't understand what was happening so I called Experian on the phone. Experian 's representative told me that he could not locate my file with my social security number, he could not give me a reason why and stated that he would have to initiate some kind of investigation. I have not heard back from this investigation. I do n't understand what is happening because I just accessed a tri-merged credit report XX/XX/2016. I have had credit for years and continue to have credit accounts at this time so I am not sure what is happening at Experian but I need it fixed ASAP.

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Some weeks, past, I received my motor vehicle insurance bill ; with a notice of rate increase related to an Experian credit report. The notice indicated that I am entitled to a free copy of that report within 60 days of the date of that notice letter, XX/XX/2017. 

Today, I called the phone number provided for Experian, XXXX, which is wholly automated ; and, my responses to the prompts resulted in the stated order of my credit report to be received in 8-10 working days, by mail. That was not my intention ; and, this report will likely count against the one free annual report to which I am entitled. 

This company provides no means for live communication, and should be put out of business without remedy of this matter.

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 non-monetary relief
Consumer complaint received 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/XXXX my wife applied for an XXXX XXXX card through XXXX. Instead of assigning her name to the card, XXXX XXXX assigned my name and information. I did n't know about this until I reviewed my credit report earlier this year. This impacted my credit rating in 3 ways ; ( 1 ) a hard credit inquiry, ( 2 ) an impact to the amount of my outstanding credit, and ( 3 ) a reduction in the average age of my credit cards. 
I submitted a complaint to the Oregon State Atty. General, and have received a reply from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), but am not satisfied with the tone of the letter ( 1 ) implying that they are assisting me as if I was the cause of the problem, ( 2 ) in not providing any explanation as to how they will prevent such actions from happening in the future to me or others, and ( 3 ) assurances that my good credit has been returned to the level it would have been had XXXX not taken such aggressive liberties with my excellent credit and Identification. 
I take my credit rating very seriously, and try to maintain my credit score above XXXX, and have never been late on a payment. As such I take considerable offense when a company such as XXXX is cavalier in abusing my credit, and essentially stealing the use my identity for their monetary gain!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I receive lawn service from XXXX XXXX XXXX. Recently I had an unpaid bill that I was unaware of. I received a collection notice from Transworld Systems and I called XXXX to insure that my bill was paid in full. I provided a credit card and paid my open balance in full. It is now 2 weeks later and in spite of my debt being paid, I still get regular calls from Transworld Systems in spite of the fact that the bill is paid and I have repeatedly let them know that the bill is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Bureau is reporting inaccurate information on credit report with Macy 's.
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXXXX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS

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 04-12-2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other

Complaint: Citibank , N.A . continues to circumvent the CFPB process by sending me letters related to open complaints ( see complaint # XXXX ) while refusing to upload the responses to the CFPB. While the letter I 've attached from Citi purports to show that the CFPB was carbon copied, the letter was never attached to the open complaint. As I have stated in the prior complaint, my identity was stolen by my deceased husband to open the Citi credit card. I have asked for the signed application or anything that would show I opened the card and was told that it no-longer exists. After several months of back and forth, I received a letter with copies of XXXX checks that I signed that says " I acknowledged the debt. '' During my husband 's XXXX he spend nearly 30 days, split up over several overnight inpatient stays, to have multiple XXXX in the last year of his life. I 'll reiterate that my husband handled all financial and banking issues during our 40 year marriage. The XXXX checks Citi provided with my signature ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) all correspond to dates that my husband was in XXXX recovering from XXXX. During those inpatient hospital stays my deceased husband was XXXX he was unable to sign his name and write. For this reason alone, he asked me to bring his checks to the hospital, indicated who should get checks and for what amount, and asked me to sign the checks on his behalf. At no time did my deceased husband explain to me what the checks were for - I was just following his instructions while he was in the hospital. The concept that my signature on these XXXX checks in this specific situation would " acknowledge the debt '' and make me liable for his obligations is utterly absurd. I have already filed an FTC Identity Theft Affidavit that was signed and acknowledged before a XXXX County, Maryland police officer. As I have repeatedly indicated, I will do this again if Citi requires yet another statement my me under oath that the Citi credit card was never mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Deposits and withdrawals

Complaint: Recently in XX/XX/XXXX of this year we realized that we had been defrauded by a book keeper in our office. We intermediately filed a police report and pressed charges. From there we went to the banks and told them what happened and provided detailed information about the amounts, check # 's, dates ... .everything they needed to start their investigation. 

TODAY I received a letter that they have DENIED my claim and will not be helping me whatsoever recover any of this money. I thought this money was FDIC insured? 

Please help me..we are a small business with less than XXXX employees and are at risk of shutting down as a result of this massive theft. The amount stolen was over {$80000.00}. 

PNC Bank could have helped us recover up to {$50000.00} of this money but they have chosen to flat out reject my claims based on typical bank stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been a victim of identity theft and tried correcting my information with the credit bureaus. They told me to get a notarized affidavit, send them my driver license and social card ; which I did. I have been dealing with them for the last year and it gets so frustrating how I get denied for everything I apply for even though I am a very responsible person. As a matter of fact, I have kept all of my correspondence with them as proof that I have sent everything that they asked from me. I called several times as well. I have had notarized my affidavits and police report twice already but up to now, the accounts are still on my report which is barring me from having a decent credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (MA).
Issue: Trouble during payment process

Complaint: There is an issue with my Mortgage Lender, Pacific Union Financial, not paying my city taxes on time. In this most recent occurrence I reached out about two months back and faxed over the necessary paper work as I normally would but this payment was still never submitted to my cities collection office. I received a letter of delinquency from my city tax collector 's office notifying me of nonpayment and communicating that my estate is going to be advertised for nonpayment of taxes and this delinquency will be published in the XXXX XXXX XXXX. In additon a lean will be held on my property. After the bank neglected to resolve this issue following my submission of the delinquent balance via fax and receiving this notification I contacted the bank and requested this be handled right away. This request was submitted on XX/XX/XXXX. I was told it could take up to XX/XX/XXXX for action to be taken. I insisted this be handled asap. After no communication or payment onXX/XX/XXXX I  called the bank and asked to speak to the manager ( XXXX XXXX ) who assisted me on the XXXX who was not available. I then asked to speak to another manager and was connected with XXXX ( XXXX ) who escalated the situation and guaranteed a call back by close of business day to provide me the status. After no return phone call, I contact the bank again on XX/XX/XXXX. Requested to speak to XXXX. She was not available. Asked to speak to her manager and no other manager was available. I was told this mater could be escalated and I will receive a call back. This needs to be resolved by tomorrow and I 'm quite certain this is not going to happen.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on your report

Complaint: I am a victim of a wrongful Foreclosure by Wells Fargo. In XXXX two loans were made in two mortgages ( deeds of trust ) : XXXX XXXX ( now is Wells Fargo for {$140000.00} at 5.25 % fixed interest rate ) AND XXXX XXXX XXXX  then sold to XXXX XXXX XXXXXXXX/NOW Who??? ( for {$44000.00} with fixed interest rate at14.25 % ) for a grand Total of {$180000.00} in mortgages that were approved for a home that was appraised at {$100000.00}. So the Loan was Under Water. My father was the Sole/Primary Borrower. At that time I was advised by the XXXX XXXX Loan Officer and by my father as his Power of Attorney ( POA ) to sign underneath my fathers signature so that He could be approved for the Loan. It was agreed that he ( my father ) was Solely Responsible for paying off the Loan and IF he died while the loan was in process the Mortgage Loan Insurance and/or his Federal Insurance Death Benefit was to pay off the Loans. If that failed OR there was NO Insurance the Loan Debt was to be Discharged. When my father died XXXX/Wells Fargo took it upon themselves and switched the names and put me as a Co-Primary Borrower on their letters and correspondence of and about this Loan so when he died they can THEN claim me responsible for paying the Loan Debt Instead of Discharging the Debt off ( Which they can Legally do! ) The switching of positions of the names on letters of correspondence and other letters dealing with the Loan Account and using that as their avenue to seize the Deed of Trust and therefore place the home under Foreclosure and Evicting me and my XXXX sister from the home on XX/XX/XXXX XXXXTheir action also has resulted in negatively effecting my Credit Score and Report by giving me a Very Low Rating. Two ( 2 ) Very Important Questions are answered right here : 1 ) Did the lender change/remove/replace the Substitute Trustee without your consent or permission? Answer : YES, the First Mortgagor XXXX ( Now Wells Fargo ) did. 
2 ) Has the lender provided an actual Accounting of the debt proving that the company will sustain an ACTUAL LOSS IF the Debt Loan goes UNPAID? 
Answer : NO, Wells Fargo REFUSED to provide a validation. They claim it is privileged information. 
Since I was just my fathers POA I had NO say in the matter either way so Since he approved I had to approve as well. The problem here is when he died Instead of Discharging the Debt Wells Fargo made me responsible for the Loan saying that I was Co-Borrower of the Loan which is NOT TRUE!!!

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 04/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Meade & Associates, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In 2009 I had checks stolen from my ex-husband 's home, in which I did not reside at the time. The person who stole them cashed them at various stores and banks. He and his girlfriend were prosecuted but at the time I did not file identity theft because I was busy trying to pick up the pieces of my life. I did not know about this until the detective contacted me because this person was caught at a bank cashing them. I do not remember the detectives name, the person who was charged is XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed