milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The CFPB needs to take action on this illegal activity that Citi Mortgage did and continues to do to consumers. Attached you will find the original DOT that was recorded in XXXX XXXX Public Records in XXXX XXXX, XXXX. You will see that the original Lender is XXXX XXXX XXXX. Also attached is a DOT dated XXXX XXXX, XXXX. This DOT purported to transfer this mortgage to Citi Mortgage. Here in lies the problem. XXXX XXXX XXXX went bankrupt in XXXX. Although XXXX is purported to be a nominee for XXXX XXXX, this is far from the truth. There is current law which clearly stated that XXXX can not be a Nominee for a defunct organization. This is highly illegal and I will continue to fight this with an attorney until something is done about it. Attached is also the XXXX XXXX XXXX Dissolution which clearly shows that they were dissolved in XXXX. This is the biggest kicker of all. XXXX XXXX XXXX was never licensed to conduct business in the state of Maryland, which voids any mortgage contracts that they initiated in the State of Maryland. It is evident that these actions are highly illegal and the CFPB needs to take some action regarding this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: I wanted to downgrade my citibank checking account to one that is not charged a monthly fee. However, the promotion miles that I had earned from opening the account had not posted yet. I delayed the account change so the missing miles could be applied to my account. Each month I called back to check on it, but the miles still had n't been applied. I keep receiving fees because I ca n't change my account. I ca n't change my account because I do n't want to give up the XXXX XXXX XXXX miles that I earned. An official inquiry was made as to why my miles were n't posting. The letter explaining the results of that inquiry stated that there was not an XXXX offered with the opening of my account. That is not true. I opened the account using a promotion code which qualified me for XXXX AA miles. I called new account services to investigate for myself what had been recorded during my original application pull. The XXXX that I was talking to verified that I had indeed used the correct promo code for the miles and that they should have been applied to my account. When pressed further about the situation this same rep told me that citibank did n't have enough miles to award all the people that took advantage of the promotion because too many people had applied using the code.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Ive had your company keeping faulty and incorrect accounts on my credit report for a very long time and despite my prior letters to you including the one sent to you the prior month, you have failed to do anything.

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 10/29/2015 about Bank account or service (Other bank product/service) with SCOTTRADE BANK (CA).
Issue: Problems caused by my funds being low

Complaint: To whom this may concern, In 2013, my Scottrade account was hacked and over XXXX USD of fraudulent ACH transfers were initiated via the account. The attached shows the corresponding XXXX XXXX XXXX statements which shows Scottrade withdrawing hundreds of thousands of dollars from my account.

Company response to consumer: Closed
Consumer complaint received 01/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX I put a fraud alert on my account in XXXX I requested by mail to have it removed .when I looked at my report it was still on there and it says it was updated again I sent the info again to get it removed equal just sent me a letter stating they updated it again did not take it off and with out my permission sent it to the XXXX other credit reporting agencies to up date their 's .I told them I wanted it removed not updated. I called equiafax they finally removed it but now since they passed it to the other agencies .transunion and experian say they ca n't remove it .I want it removed from all of my accounts thanku

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 06/21/2017 about Debt collection (Credit card debt) with Cooling & Winter LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Cooling and Winter, Attorneys at Law, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone XXXX This law firm is trying to collect a debt which is not mine. They continue to send me letters representing XXXX XXXX XXXX. I actually have a credit card in Excellent standing with XXXX XXXX XXXX. It is current and I have a large credit line. Cooling and Winter has sent me a credit card application dated XXXX XXXX, XXXX that is a forgery. It does not contain my handwriting nor my signature. Clearly someone using my identity. Please have them cease and desist and clear this fraudulent account. 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 06-02-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax several times in regards to Inquires and accounts that are not mine due to identity theft. I have mailed XXXX identity theft affidavits to the company and there are items that they have failed to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo 's cross-selling practices were also a culture in the mortgage bank and their predatory lending practice is resulting in foreclose proceedings on my home in New Jersey. 
During the modification request process, Wells Fargo reassigned my loan to XXXX XXXX who started foreclosure proceedings last year. After I sent documentation to Wells Fargo showing that they had extended XXXX loans to me instead of the XXXX loans I thought I had over the past 12 years, they had suspended the foreclosure proceedings and approved a short sale without my requesting one. 
These XXXX mortgages and lines of credit ( LOCs ) amounting to approximately {$4.00} XXXX were extended to me between XXXX of XXXX and XXXX of XXXX when my annual salary was in the low $ XXXX and my credit scores were in the low XXXX. As a result of the crash in the housing market and deaths in my family, I have had extreme financial difficulties and hardship in repaying these loans. I tried on numerous occasions to get permanent modifications but was only approved for temporary ones. After numerous denials, I was forced to short sell my properties and I am now left with my primary home which is under water. I owe over {$300000.00} more than what my home is worth, as Wells Fargo falsely appraised my home for more than what it was worth to provide the line of credit. 
All my loans were interest -only and as my primary home loan and line of credit approached the 10 year mark where it was due to reset to a principal and interest loan that I could not afford, I tried several times to get a permanent modification or forgiveness of the line of credit but Wells Fargo was not willing to work with me and reassigned the loan to XXXX XXXX to start foreclosure proceedings. 
After sending my letter to the Executive office in XXXX with the details of the XXXX loans, Wells Fargo has been sending monthly letters stating that they are conducting research on the predatory lending practices. Every month I get a letter that they expected to complete their research by a certain date but they keep extending the date. I think that this is a stalling tactic so that they can foreclose on my home. 
Even though they are still conducting research, they restarted the foreclosure proceedings because I did not get an offer on the short sale by XXXX XXXX. 
With more knowledge and experience, it 's now clear to me that these many loans were extended to me, so that my Wells Fargo mortgage broker could gain more commissions based on the incentive structure created to profit the bank. This is predatory lending and I would like this to be investigated. Attached is the spreadsheet with the details of the XXXX loans.

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 02-11-2017 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from Financial Control Service I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Financial Control Service in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Non-federal student loan) with Southwest Credit Systems, L.P. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i created this debt along time ago at least 8 years ago an i would like you help on cleaning it up an stop the harassing call from collections ageny

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with Love, Beal & Nixon, P.C. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX -XXXX a credit card was taken out in my name with XXXX, I did n't find out about this till after I was going through divorce, and had moved out of where I was. I disputed it once i fou d out. I heard nothing back until i got the collection letter from XXXX. I again disputed and requested verification from them. I also coated XXXX myself with them having no information to provide aside account number, and address. A place I had n't been in over 4 years at this time. When asked to prOvid proof of debt, I was mailed a statement with the address I had n't lived at since XX/XX/XXXX. I was then served with a summons from love bealXXXX and Nixon out of XXXX, represented by attorney XXXX in XXXX oklahoma in XX/XX/XXXX. I disputed again, and my dispute was ignored, no verification of debt was given, no signed contract, not so much as a signed credit card receipt. I filed my dispute with court and explained that they have provided nothing to sustaniate the debt. It had to go to court in XX/XX/XXXX, I filed my dispute with the court. No proof was given on court either. A letter from a third party who swears by XXXX business practices says it 's verified, but no evidence was ever or has ever been given. LOVE BEALXXXX AND NIXON CONTINUE to filed motions with the court and a bill that was once {$1100.00}, is now {$2300.00}. They continually try to garnish my check even though my child support was already taking out half of my check. This is XX/XX/XXXX, and they are still causing my life XXXX, trying to garnish bank accounts, and paychecks and have never been required to show one bit of evidence that this is me. They rely on the fact that I am ignorant of the law, and do jot have enough money to hire attorney to fight. I have repeatedly told them this is not me. They will not show any proof, and tells me I have to prove it 's not me. How are they allowed to just take money frim me, and my family with no evidence aside a credit card bill sent to address I was not at any further, and a letter from a third party that neither works for the bank, nor provided any evidence. Please help, they are driving me crazy, I have even offered them XXXX to settle, because I thought there was no other way to deal with this. but they refuse because they can get more through XXXX corrupt court system.and garnishing my bank accounts. I am not able to open an account now, because the levy on my bank accounts made the bank charge me even more fees that I could n't afford resulting in another bad debt., this is causing tremendous stress with my homelife. Please help me. This can not be fair, or legal. If they garnish my check it will not allow me to pay my rent. Which will mean eviction and another bad debt. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: No notification of Dormant Account Fee for A free checking Account

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I mailed a letter to Experian in XXXX 2016, disputing several accounts. As of today 's date, I have yet to receive the investigation results. I also tried to go online with Experian.com to review my credit report however I was unable to obtain a copy of it though they were able to pull up the report after being provided the exact information I entered online. I have contacted Experian today and spoke with the special handlings department who confirmed they never sent the results out. I advised they are now in violation of FCRA and need to remove all accounts that were on my initial request. The representative I spoke with XXXX XXXX XXXX stated she could only put in a complaint about the failure to send out the results. I immediately asked to speak with a supervisor to get an immediate resolution to the problem since this is going into the XXXX month that they have n't since this information out to me. I spoke with XXXX ( Supervisor ), who advised the only thing they can do to correct this problem is to mail out a new report to me. I advised that this is unacceptable as they never sent the original XXXX and I am well within my rights to expect their process & procedure to be followed as it relates to disputes.

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 07/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX XXXX XXXX in XXXX, MO from XXXX. I received an XXXX. I am now in student loan debt, including Parent Plus Loans, around {$75000.00}. The loan document presentation was completely rushed-it was not explained to me at the time of the student loan applications what exactly I was signing, and when asked for further information, I was told that they could possibly refund most if not all of the loan amount that was being taken out. It was also explained to me at one point when the amount was much higher than before that my previous semester 's tuition was combined with the upcoming semester, which is why the loan amount was so high. I felt rushed, but I was very young and inexperienced. My father also does not remember having the Parent Plus loans explained, and he is a very detail-oriented person. He did not remember signing for the loan, and has since requested copies of the loan documents to be sure that he actually signed for them. I requested time with financial advisors several times during my tenure, and was told that the loan amounts were not very high, and they 'd actually discounted this class or that, etc. Usually blaming it on books, which were included in my loans but cost was astronomical. I was not allowed to choose to go without the books, even though we never used or referenced them. It was all rolled into my tuition and subsequent loans. 

I 'm now a parent and have a relatively good job for someone with an XXXX, but I have a lifelong illness that sometimes prevents me from working, and so receiving sustainable income. I have Navient threatening to sue me and begin garnishing my wages if I do n't settle with them immediately, and XXXX is {$30000.00} worth of loans that are on forbearance and just gaining interest. My parents are paying the Parent Plus loans so it does n't affect their credit rating, and my wife is looking for a XXXX job to try and get a handle on this. We are drowning in this debt, and I 'm not sure how I will ever dig us out of this hole. My wife and I make decent money, and should be looking at houses and schools for our son, but instead we are living in my parent 's basement, paying them rent, and simply making it paycheck to paycheck to try and keep Navient from garnishing my wages. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX- {$630.00} XXXX- {$340.00} BOTH of these are old debts that are trying to be pulled as new debts, that have been resolved. Plus I do n't even know how you would EVER EVEN get a cell phone bill as high as {$630.00}, that is what I can not also understand. 
Thank you for your time and consideration.

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 12-09-2017 about Checking or savings account (Other banking product or service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I 've complained to Huntington they closed my local bank to allow the shareholders and CEO 's to profit more by making us stand in long lines. There is no accountability in banking anymore. The CFPB is doing nothing to hold these banks accountable. The tellers make nothing compared to the shareholders and are overworked and underpaid. We still do n't know who owns the notes on our houses. The banks are worse than 2009 in my opinion. It 's a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: After getting a new credit card in the month of XXXX, the card was not visible under my online banking account. When enquired over phone with Bank Of America, i was told that there are two different profiles under my name and and i need to furnish my identity proof.When i went to the bank i was told that there are two more credit cards under my name which i never had. Upon further enquiry it was revealed that my social security number was updated under somebody else 's account and the other person was able to see my address, date of birth, social and credit card transaction. And that person was able to trace me to my address. This is clearly a blunder from Bank 's side and my social and other private information was compromised by the bank. I had applied for the new credit card with my social, how can that be updated under other person 's account. Also my credit card was blocked by the other person as he thought this is a fraud. How can somebody else block my card. After this incident i checked my credit report and i was able to see two addresses, one of which was not mine. Even somebody else 's credit card under my account jeopardizing my credit history. Because of this, i am living in fear of identity theft as my SSN was compromised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I wanted to short sale this property and I called GMAC mortgage and they advise me that I would have to go late XXXX days on the mortgage to do a short sale. They put me info forclosure at the same time as the contract was submitted to them. I was n't in forclosure at all and I was XXXX days and not XXXX days. Doing exactly instructed by GMAC mortgage. This loan was closed by XXXX/XXXX/2012 and property listed for sale XXXX and contract was signed XXXX/XXXX/12 by seller and buyer. I have attached copies of documents. Showing this was never into forclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Transunion Credit Report because I have credit inquiries that I have no idea of and they will not do anything to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Auto) with Farrell Holdings, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My financed car was deemed a total loss in XXXX 2016 due to a flood water in XXXX, Tx. My insurance company payed out over XXXX dollars on the XXXX I owed. I understand I am responsible for the balance, however, once an insurance company makes such a payout it is my understanding they take possession of the vehicle, so how is it that my bank can file my car as a repossession? And claiming I owe more than what my actual balance was after the last payment I made.. Because I am still without a vehicle and ca n't even finance one because of their reported repossession. I made I believe 9 payments on the car and never a single one was late, until after it was deemed totaled and I did not have possession of it. Can they do this and what do I do now? I already lost the job I had, found another only over a week ago, and no car is causing issue again. This is n't right.

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