milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I was unexpectedly laid off from my job in XXXX 2013, that lead to financial hardship that caused me to miss some mortgage payments. After going back to school and testing I started working as a realtor. During that time we applied for a loan modification with PNC bank. We were a customer for over XXXX years with a solid history of making mortgage payments. After being accepted for a loan modification, which would increase my monthly payment {$400.00} dollars, I appealed to have my mortgage payment lowered to where it was before. The appeal was turned down. I then accepted the terms offered to me but was turned down because they said I waited too long to accept their terms. I then was instructed I would have to re apply and submit a new packet to be considered again. After a almost two years of sending PNC my financial docs and letters of employment I was turned down again. They said the process had taken too long. All during this time my financial position has gotten better, I am working XXXX jobs and my wife works as well. We are making enough income to resume making our mortgage payments. I believe that PNC has not acted in good faith during these negotiations. I was called on the phone XX/XX/XXXX and was told I had one more opportunity to re submit a packet for review. I sent in a new packet and called PNC a day later to make sure they had received it. They say they had but were closing my file because I had been turned down twice previously. They did not even review my application, even though my income is well above the amount needed to make my mortgage payments. I did not receive any notice in the mail that said my app was rejected and no reason given. This is bad faith negotiation. I believe the real reason is because the amount I owe the bank is {$220000.00}, and they bank has appraised our homes value at over {$400000.00}. The bank wants to take my home so they can profit from its sale. This was after they previously appraised my home in the {$260000.00} range. Therefor, I believe that PNC Bank did not negotiate with me re my loan modification with good faith. I submitted paperwork and financial info they requested and they did not review them, thus making a decision to take my home based on bad faith negotiation. It is not fair to me, my wife and XXXX kids, my neighbors, my block I live on, the community or city. The only one standing to benefit is PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Deposits and withdrawals

Complaint: Navy federal Credit Union froze my entire account on a a weekend and did not have security agents available to unfreeze my account until Monday morning. Subsequently, I was forced to leave my car on the side of the road and walk miles home with bare feet ( I was wearing heels ). I could not even get a drink of water.Someone could loose their life! I live in a very rural area and a gas station or place to get help is few and far between. I was in so much pain by the time that I got to my home due to the the prior XXXX I had on my XXXX. I was literally in excruciating pain by the time I made it home. I could not believe that the institution that I entrusted with all my hard earned money told me that they could not help me. i cried and explained that I was on the side of the road and my car had tun out of gas. Why, I screamed. I have over XXXX cash in your account? No help! I pray that someone reading this mandates that if an account is frozen over the weekend, banks have employees available to unfreeze the account. 

First thing Monday morning I called Navy Federal Bank to figure out what was going on. I was very upset and still in pain. I explained everything that i had been through. The manager said that all of this happened to me because I deposited a check in the amount of {$750.00} into my account that was " flagged '' as a suspicious check. I then explained to the manager that they only made available {$200.00} out of that check ( which is a good check from my fiance 's boss ) and that I already had an available balance of {$1500.00} prior to depositing that check. Why in the world would you freeze and entire account, rather that just waiting for the check to clear. I said? In my heart, I knew that what they did was wrong and they caused me personal harm. When I hung up the phone, I was told that my account was unfrozen. I am deadly afraid to have any money in Navy Federal Bank anymore! 
Wait!!!! Here comes the worse part!!!!!! 
They took XXXX out of my money!!!! Keep in mind, the only money available from the deposit of the check ( good check ) was {$200.00}. They took that and then froze XXXX of my money. After me telling them what I went through the day before. How can they justify holding a check and making me incapable of paying my credit card payment in full today with my cash? This is wrong! Someone please help me. it is due on the XXXX. Today is the XXXX! My credit score is at risk of being damaged. I always pay my bill in full, I should have XXXX in my account and they took XXXX for a check that was being held anyway. Please Help me.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing a fraudulant account that is on my credit report. XXXX XXXX keeps sending back that it is mine but it is NOT. It is affecting my credit score and my ability to obtain credit. I have been disputing this fraudulant information for months and am requesting to please remove this fraudulant account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MI).
Issue: Account opening, closing, or management

Complaint: Wells Fargo is still sending me letters saying my account with them is still open, even after agreeing to close it when they heard from your agency in XXXX. Their current letter, dated XXXX XXXX, 2016, says they need a social security number to close it, which I will not send. Their representative assured us weeks ago that this was taken care of. We did not open a line of credit with them, nor have we ever had any sort of account with them whatsoever.

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 05/21/2015 about Debt collection (I do not know) with Financial Credit Service, Inc. (IA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Asset recovery calling saying i am under an investigation and the gentleman is a special investigator. They do not give what company or debt this is. They call and harrass my XXXX year old mother and call my job

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with CITIBANK, N.A. (AL).
Issue: Payoff process

Complaint: I bought a {$2300.00} refrigerator and a {$2000.00} washer/dryer from Home Depot on a promotion in XXXX 2014. They never sent me a paper statement because I was enrolled in " electronic '' statements. Whenever I received an email, I would just logon and pay my bill. Suddenly, i am billed right at {$1500.00} for deferred interest. When I downloaded my statements, none of my payments went to the promotion for a whole year! Has this happened to you? When they charged me {$1500.00} in interest, it put me way over the credit limit XXXX which they lowered unbeknowst to me XXXX. This is probably the most shocking thing that has ever happened to me as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on my report for XXXX XXXX in XXXX, Texas. I have never lived in or rented a place in XXXX, Texas. I was in the military and XXXX, Texas. I have been living at my current address since XX/XX/2000. As an XXXX in the XXXX with a house note and XXXX children I did not have the money to pay for XXXX residences + care for my children and household here. XXXX is also outside of the travel area I would have had to put in for passes to travel that far. Between my children 's school attendance and my duties working at XXXX XXXX XXXX which meant that I seldom off both Sat and Sun which would have left me with no time to travel to and from XXXX even if I wanted to. I have tried to contact the address but was told that the property had changed hands many time and they could not verify any information on the person they rented to. I know that there is/was a XXXX XXXX listed in the XXXX area but it is not nor has it ever been me. I would like to have this address removed from my report.

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 02/16/2017 about Mortgage (Conventional fixed mortgage) with STONEGATE MORTGAGE CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently submitted a loan modification paperwork package to stone gate mortgage. I had this sent by priority mail so that I could keep track if this was delivered. The package was delivered on XXXX/XXXX/17. I had talked to stonegate and told them I am sending it this way and if there is anything else I need to do please call me. The girl confirmed she would do this. 
Today I get a letter from a lawyer stating forclosure procedings have started to my surprise. I called Stonegate and the girl was like it never showed up. I said it shows it was delivered. She said there is nothing they can do for me at this point. Now i am very upset, I explained my mom was critically ill and took care of her during this time. My dad had a XXXX and is XXXX and has XXXX, he is XXXX. I did what I feel any child should do. My mom died on XX/XX/XXXX, so now I am homeless and motherless and heartbroken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Managing, opening, or closing account

Complaint: I had an American Express prepaid XXXXcard that loaded with my own funds. I used it to upgrade a previously purchased XXXX XXXX ticket ( {$860.00} ) for another about {$270.00} to include a stopover I wanted ( total ticket price : {$1100.00} ). Due to a change in plans, I then had to cancel the whole ticket. XXXX XXXX refunded the entire ticket price to the prepaid REDcard ( instead of just the upgrade fee of {$270.00} ). 
When American Express saw this, they immediately closed the account and froze the funds, accusing me of " fraud ''. I called everyone in the company I could to try to resolve but was met with indifference and lies such as " we do n't know where the money is ''. It took weeks until XXXX day a check showed up at my house refunding me all of my money I loaded into the account, minus the {$270.00} I used to upgrade my XXXX ticket, which American Express claimed was " sent back '' to XXXX together with the base fare of {$860.00}. 
Meanwhile, XXXX XXXX claims they never got any refund " sent back '' from American Express. I 've called American Express countless times but i am either ignored or told that " they do n't know ''. 
I am still waiting for the the refund of {$1100.00} that American Express claims to have " sent back '' to XXXX but XXXX insists it never received it. 
Worst of all, American Express NEVER made any attempt to contact me to verify the charge. Instead, they immediately shut down the account, accused me of " fraud '', froze the funds for weeks " pending investigation '' ( for which I had no say nor any opportunity to explain ), and then only refunded to me part of the funds that were in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (I do not know) with Aargon Agency, Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Came home from work, and my roommate hands me my mail. I noticed a strangely colored and labeled mail, so I opened it first. It 's from a law group or agency, stating that I owe the amount they requested in the letter. If they fail to receive the payment requested, they may or may not pursue legal action to recover the debt. And if they do decide to take legal action, the issue will be forwarded to one of their attorneys in my local area. They are accepting payments through a given website and phone number. How they failed to convince me that this is real, is that they require my account number. I 've never been in trouble with the law regarding any persons or business, so I do n't understand how or why I received this letter in the first place.

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 10-08-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I was graciously given a Hamp modification while XXXX XXXX XXXX was serving my loan. My Hamp modification came with XXXX different abilities to earn reduction off my principal balance. The XXXX monthly incentive reduction equaling XXXX a year for 5 years and earned principal forgiveness of a deferred portion of my loan equaling XXXX amounts each year over 3 years in the end reducing the deferred portion at the end of the 3rd year. The first year while still with XXXX the 1st year earned principal forgiveness was completed as I received my year end statement and my monthly statement reflected as such. In XX/XX/XXXX my loan was transferred to Bank Of America and all seemed fine. When the 2nd year came BOA did not apply my 2nd year reduction. I started reaching out, no help. My 3rd year came no reduction, still no help. I I finally got someone due to going to their XXXX page and complaining and they opened a case in their escalation dept. Well still no help, so back to XXXX I go. Tonight I get a call from social media who states now I will get another escalation specialist. This man was kind but did n't even understand the terms of my Hamp Mod. I need someone to intervene here, I have never missed a payment or ever late under my modification which BOA sees and is aware, they just do n't know what they are doing. I need confirmation and in writing that all XXXX earned principal forgiveness portions have been completed and that my monthly incentive for the yearly XXXX had been reduced, and if it was not done, then BOA owes me a credit of the 2 % on the accrued interest portion over the past three years for the XXXX a year. Please make them answer and complete what my agreement states! Also make sure the balance on my credit report is reflecting currectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-02-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fraud or scam

Complaint: A girl from   XXXX   XXXX   XXXX   XXXX   by the name   XXXX   XXXX   approached my friend,  XXXX  on  XXXX  expressing interest in a sublease advertisement she had posted. She offered to pay a deposit amount of {$200.00} and asked for a Bank of America account number. Since my friend does n't have a Bank of America account, she asked if she could use my account to get the money. I agreed and provided my bank account number.  XXXX  ( the scammer ) then pretended to be me and made a false claim to Bank of America that she had deposited {$2000.00}. Bank of America provided a temporary credit of {$2000.00} without verifying the identity of the caller. The scammer then told me that she had deposited {$2000.00} instead of {$200.00} by mistake and asked me to transfer {$1900.00} back. Since I saw {$2000.00} credited to my account, I thought she had transferred the money and I transferred {$1900.00} back. The scammer made several claims the same day but Bank of America did n't raise any alarm or try to contact me on my registered number or email id to verify the claims until two days later. Further, the bank closed my account without providing me any notice when their investigations revealed they were fraudulent claims. I was n't informed about the reasons for the account closure in spite of repeated calls to their claims department. The bank officials were not willing to even talk when I visited the local branch in my town. I 'm also forced to pay the overdraft fees. I 'm being treated as a fraudster whereas I 'm the victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: LVNV FUNDING LLC ( LVNV FUNDING LLC   XXXX   XXXX   XXXX     XXXX , SC  XXXX  is reporting that I owe them {$1000.00} for some type of loan. I do not have a contract with them nor have I ever had any business with LVNV Funding. The account was removed from my credit report on   XXXX   XXXX  , 2017 and was reinserted on my credit reports on the same day. I was not sent a notice 5 days prior to the debt put in collection, so by law this debt has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, I filed a complaint XXXX/XXXX/XXXX in regards to incorrect information on my credit report. 
XXXX XXXX 's is showing a 30 day late payment XXXX of XXXX. I have never been late and have disputed this error thru Equifax. Equifax has not removed this error even after filing a dispute with CFPB. XXXX Bank has already made contact with Equifax and provided them an updated AUD to correct this error and they have not. It has been over 30 days and this information has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
XXXX {$410.00} OPENED XX/XX/2016 XXXX {$160.00} OPENED XX/XX/2016 Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed up top. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: MY MORTGAGE COMPANY HAS BEEN REPORTING MY ACCOUNT TO THE CREDIT BUREAU XXXX FOR MANY YEARS. BETWEEN THE DATES OF XXXX XXXX AND XXXX XXXX OF THIS YEAR, THE ACCOUNT DISAPPEARED FROM THE XXXX REPORT. THIS ERROR IN REMOVAL OF MY ACCOUNT HAS CAUSED MY SCORE TO DROP DRASTICALLY. I CONTACTED THEM AND WAS TOLD THAT IT WAS BEING REPORTED EVERY MONTH. I CONTACTED THE CREDIT BUREAU AND THEY STATE THAT THE ACCOUNT DOES NOT EXIST. I HAVE WRITTEN DISPUTE LETTERS TO XXXX AND THE ACCOUNT IS STILL NOT APPEARING ON MY REPORT. IT IS AN ABSOLUTE ERROR! THIS IS AFFECTING MY CREDIT HEALTH. THE CREDIT BUREAU IS STATING IT IS THE MORTGAGE COMPANY 'S ISSUE. MORTGAGE COMPANY STATES THEY ARE REPORTING CORRECTLY. I HAVE PRESSING BUSINESS MATTERS TO HANDLE AND CA N'T AS LONG AS IT STANDS AS IT IS. ACCOUNT WAS OPENED IN 2004 - THE EFFECT OF THIS ACCOUNT DISAPPEARING FROM THE BUREAU, SHOWS I HAVE LESS OF A CREDIT HISTORY THEN I ACTUALLY HAVE. NO WHERE ELSE TO TURN. DISPUTES ARE NOT WORKING.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I did a dispute with Transunion and XXXX and the report came in that the debt of XXXX XXXX bank was to be removed from my credit report due to incorrect reporting on my account information. As of yet the report for XXXX XXXX is still showing in my credit report.

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