milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing the loan or lease

Complaint: This issues pertains to a late payment incurred on my Auto Loan which was funded by Bank of America, for a XXXX Mercedes Benz C350 that I purchased in XX/XX/2013 at my local Mercedes-Benz dealership. At the time of purchase, the finance manager at the dealership told me they had not found a bank to finance my vehicle yet, but they would find one and have the bank mail me a statement telling me when and where to send the payment. 
I never received any statements such statements, but Bank of America called me on the XX/XX/XXXX, just as I was in between flights as I was traveling, they claimed they were the lender and claimed to have sent me statements that payments were due and that they were the lender for my car and I was late on the payment. At the time, I did not have access to my bank account information but called them within the next 2 days to make a payment. I later discovered that the dealership gave BOA an incorrect address for me, as they had me residing at XXXX XXXX XXXX instead of XXXX XXXX XXXX. Hence the XXXX statements did not reach me. I immediately corrected the address with Bank of America and promptly made payments for 2 months including the late fees totaling {$1400.00}. 
I have brought this issue up with Bank of America 's customer service department to remove the late payment from my credit report ; but BOA insists they did not make a mistake, they would not remove the late payment. On one hand they acknowledge that the dealership gave them the wrong address and that I never statements received the statements, but inexplicably BOA still claims that the late payment was my mistake. I had over {$20000.00} in my bank account during the period of the missed payment and had the statements been sent to the correct address a payment would have surely been made. I have attached copies of my bank statement to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (WV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report is showing that I was late on my Chase Mortgage payment in XXXX and XXXX, however, I was late in XXXX and XXXX not XXXX and XXXX, Chase Mortgage told it was the just the way my they report to the credit Bureau ( 30 days behind ) however, that is inaccurate reporting, regardless of how they are reporting this payment to the credit bureau, it should correctly identify on my credit report the dates I was actually late, regardless of how they report it to the credit bureau. Overall, they confirm the XXXX and XXXX late payments via several letters ( attached ), therefore I need my credit report updated to show the correct months, that I was actually late.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX ( XXXX XXXX Credit Card ), and TranUnion have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and TranUnion re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account TransUnion XXXX ( XXXX Credit Card ) Item Status : Item latest removal was on XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 
Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, 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 02-06-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: On XX/XX/17 I received a voice mail from a person who refused to identify himself. He said this is about a " theft '' that I committed and needs to be taken out of my checking account. i called the number listed XXXX, the person that answered said the company is XXXX, and they work with Citibank. He said I need to settle the account or I will be taken to court this week, for theft. My outstanding balance was $ XXXXplus on a credit card and if I pay {$2000.00}, i would avoid court appearance. I told him, I dont have that money, and he stated " Fine, youre going to court '' and hung up.

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 10/16/2017 about Debt collection (Other debt) with Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a Notice of Wage Garnishment from my employer on XXXX XXXX, XXXX the Notice did not correspond to the Notice to Collect the Debt that i received on XXXX XXXX, XXXX. My Payment of {$85.00} was not reflected in the Notice of Wage Garnishment from my employer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (I do not know) with Stellar Recovery, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My XXXX son has a not so new cell phone. Apparently the person who previously had that cell phone number owes money to someone. Today, a third debt collector called my son 's phone in an attempt to collect the prior person 's debt. We have informed both prior debt collectors that the phone number they were calling is that of a minor. While that may have stopped that debt collector, that had not stopped debt collections directed at my son, who is not the debtor, and who it is illegal for the debt collectors to call. 

The issue that I think the CFPB needs to address is how to stop this marry-go-round of illegal activity. There does not appear to be any duty of the debt collector to report to the creditor that the phone number associated with the account is bad. Likewise, there is nothing to prevent the creditor from asking a new debt collector from making an improper phone call to a minor to collect a debt the minor does not owe. 

In addition, as with happened with prior debt collectors calling my son, it is not so easy to get them to stop. When I told the agent that they had called the wrong person and had called a minor 's cell phone, she told me that they would take his number out of their system within two or three days. When I objected, I was connected to a supervisor who agreed to stop them from calling that number immediately. 

I then asked the supervisor to please send a letter of apology to my son. My thought is that after someone violates a federal law, the least they could do is appologize. The manager said he would say he was sorry on the phone to my son, but he refused to send a letter of applogy. 

One last thing, we live in XXXX, which requires that debt collectors have a special business license. While this debt collector claims to be located in XXXX, they used a XXXX telephone number to contact my son, and appear to be transacting business in XXXX. The supervisor informed me that his company does not hold the appropriate XXXX business license. As such, It think they should also be reprimanded for doing business in areas they are not licensed to act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Struggling to pay mortgage

Complaint: This complaint is against Bank Of America Home Loans. Since XX/XX/XXXX/XX/XX/XXXX I have been trying to get help in modifying my loan with BOA due to the recession. I had lost my job and I had sent BOA all information of hardship. BOA kept losing all my paperwork and kept requesting all information over and over. Eleven times I did sent. I finally gave up, no hope. Found out millions of customers had similar problems. I was forced to go into Bankrutcy inXX/XX/XXXX. Lost my house. Fast forward XX/XX/XXXX, I was informed that BOA had been sued by the Dept Of Justice and fined XXXX XXXX. BOA was supposed to help out troubled home owners even those forced into bankrutcy save the house. Mortgage forgiveness program/modification. I called and BOA played the same role in denying help even though it was part of the deal with the Dept of Justice. As of today XX/XX/XXXXI called BOA XXXX and they claimed now they sold my mortgage to a Third party called XXXX in California.XXXX. I called XXXX XXXX and they advised that my property was to be sold on XX/XX/XXXX.
I have made every effort possible to save my home XXXX XXXX XXXX, XXXX, New Jersey XXXX  But, it seems that BOA was still deceiving customers and playing dirty. I am willing to save property if BOA does honor the Mortgage Forgivessness/Modification as required by the Dept Of Justice. I need help fighting this corrupt bank. Please advice.
I really do appreciate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX Thank you XXXX 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 08-08-2017 about Debt collection (I do not know) with Utah Billing & Recovery Services (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Greetings. I was totally naive and gullible. i was asked to join and i told them i do not have a job in the year XX/XX/XXXX and XX/XX/XXXX..so i told them, the day i joined within few weeks, i wanted to withdraw- the agent agreed but i did not know they send totally to collection This is against ethics, integrity ... This does not make sense They were trying to play games on naive or gullible and too honest, direct, ethical upfront now i am trying for a very important job and this is showing in the report i am really worried what will happen it has never happened they are not honest and we can not contact them according to the lady who called me also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this Discover Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Hi, I tried to make an online payment 2 days ago to my account. My online account was locked out and the company was not open until today. This caused my payment to go over 30 days late. I would like this removed from my credit report as I tried to make the payment but was unable.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife and I cancelled our policy with XXXX but they are trying to charge us for another month of coverage after the cancellation went into effect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: In light of the recent data breach at I think it 's unfair that I have to pay to freeze and thaw my credit report three separate times when the information I am paying to freeze/thaw is information I never asked to be collected in the first place. Why is it my responsibility to pay to protect the accuracy of unwarranted data collection by a third party? I 'm at risk of having my identity stolen and the only protection is for me to pay money to three companies, one of which has already proven itself to be incompetent. This is ridiculous and I think legislative action needs to be taken now to prevent further disasters like this.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with BANKUNITED, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: I submitted a package to Bank United back on XX/XX/XXXX in request to mortgage assistance. They requested additional information in which I sent to them in a timely manner, as of XX/XX/XXXX, I was informed my application is with the underwriter and is in active review. I am facing a foreclosure sale date on XX/XX/XXXX and the lender nor the foreclosure attorney have postponed the trustee sale, leaving me in a panic and stressful situation. I am aware of the laws of dual tracking and I know I must be provided a decision prior to the lender proceeding with the foreclosure. If I am denied loss mitigation assistance, I have the right to appeal in a timely manner. I am not sure why Bank United can not postpone the trustee sale given there are only 2 business days left until the trustee sale and leaving me to be unsure of how things will proceed and to be in a panic. Additionally, I was never provided a direct point of contact nor did Bank United reach out to me for options to save my home both which are violations of the Homeowner Bill of Rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Student loan (Federal student loan servicing) with Performant Financial Corporation (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Caller requested name, DOB, address, and SSN # before he would tell me why he was calling. He also asked for my wife 's demographic information. I asked for a callback number to verify him. He refused to provide a callback number. He then called my wife at her work number and attempted the same thing. Luckily her office assistant worked interference.

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 02/27/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Payoff process

Complaint: In XX/XX/2016 I submitted XXXX payments to my Citibank Credit via a Citibank branch for a total amount of {$3000.00} with XXXX {$1000.00} travelers ' checks payable to Citicards. The payments were rejected and I immediately followed up with another payment. I was originally informed that the issuer did not pay the funds and that the checks would be returned. I waited a couple of weeks and when I called Citicards again I was not given a clear answer on when I would be receiving my funds back. I was bounced around different departments with no result. I followed up the Traveler 's Check issuer ( XXXX ) and I was informed that the reason that they did not pay the instrument was because Citicards ( Citibank ) failed to properly endorse the checks and that if they do not have the originals, they were supposed to by federal law to provide me with legal copies. I contacted Citibank again and relayed this new information. I was informed that Citibank destroys checks received as part of their process and I once again voice my concerns regarding my missing funds. I was again bounced around different areas until I got to Citibank 's Executive Response Unit office where I was assured I would receive help. I was informed that they could not provide me the funds or legal copies because they never cashed the traveler 's checks. I informed them that the reason that the checks were rejected was because Citicards failed to process them correctly with the proper endorsement. The issuer XXXX representative is requesting a letter from Citibank or Citicards explaining why they did not properly endorse the checks and why they are unable to provide legal copies before they can take any additional steps. I provided all this information as well as the XXXX Rep contact information and I have not heard back from them in more than 2 weeks. I have sent repeated emails for an update and have left my Citibank case workers ( XXXX XXXX and XXXX XXXX ) multiple messages with no response. Please assist me, it has been over 3 months now and I have lost {$3000.00} due to a Citibank error and they are not providing any viable solution. 
Contact Information : Me : XXXX XXXX, XXXX Citibank Executive Response Unit email XXXXXXXXXXXX Case Workers : XXXX XXXX, XXXX and 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 non-monetary relief
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (IL).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: On XXXX XXXX an ACH payment was presented to my Citibank account from XXXX Credit Card. On XXXX XXXX I contacted Citibank because I had an alert of an overdraft. When I contacted Citibank my checking account had sufficient money to pay the ACH item from XXXX and in fact had already been deducted from the account. I asked Citibank to make sure the item was paid and they told me they refused to " force pay '' the item because they had updated their computer systems and it would not allow that to be done by the branch manager or the XXXX number. This was clearly done in order to charge me a {$35.00} late fee. This in turn resulted in a {$39.00} late fee from XXXX and a {$160.00} interest fee.

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 10/14/2016 about Mortgage (Other mortgage) with BB&T CORPORATION (MD).
Issue: Credit decision / Underwriting

Complaint: I planned to build a new home on a lot I already own free and clear. I picked BB & T to provided the construction loan ( interest only loan which converts to a 30 yr. fixed rate mortgage when the house is complete ). In XXXX of this year, I sent my BB & T loan officer the building plans and then on XXXX XXXX I requested a rate lock ( I had just signed my contract with my builder ). I have a copy of the BB & T loan officer 's reply that I was locked in at a 3.375 % rate for 60 days. On her email promising the rate, you can see we were discussing the empty lot where the home was to be build so she know perfectly well it was a construction loan. All the paper work was submitted, there 's no problem with my credit score ( which is XXXX ) or the debt ratio, then yesterday I get a note from my loan officer, QUOTE : When you applied on line you applied for a NON construction loan so the product we have you on is for a non-conforming purchase. We all missed it and that is why we have underwriters. My apologies for not catching and correcting it sooner. Since I feel this is not your fault I have been working with secondary marketing to get you as close to 3.375 % rate as I can. I do have some restrictions so here is what I can offer you. 30 year construction loan program is 3.625 % and I will pay your underwriting fee of {$670.00}. We also have the 10 year arm for construction loans and today that rate is 2.875 % and the 7 year arm is 2.625 %. Rates are higher on Construction Loans because we do not know where they will be when the house is complete. You also have the option of a one-time float down option on the construction products when the house is within 60 days of closing. UNQUOTE This is untrue! After I spoke to my loan officer in XXXX and told her I needed a construction loan she quoted me 3.375 % with my building plans in her hands. Additionally, only after speaking to her did she tell me to go to their online site to apply for the loan. The drop down site on their web did not have a construction to permanent loan selection allowed. I told her, mailed in most of the information via mail ( hard copy ) some paper work I electronically signed on line over 5 weeks ago. Now that the rates have gone up, they tell me that they made a mistake, not me, and despite the promised rate of 3.375 % I 'll have to pay more. This ties my hands because ALL rates have gone up so I 'll pay more with BB & T or any other bank. ( The underwriters had NO other problems with my application and as you can see from my bank officer 's reply the feel I 'm fully qualified to get a loan through them. ) The property was to be built at XXXX XXXX XXXX, XXXX SC XXXX and the loan officer is : XXXX XXXX, XXXX XXXX | Banking Officer | Mortgage Loans | BB & T Home Mortgage|NMLS # XXXX Office : XXXX Cell : XXXX Fax XXXX XXXX XXXX XXXX ; XXXX SC 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