milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been XXXX for over two years during this time I requested a modification 't with Citi Mortgage got the modification approved which increased my payments but that is another story. Every since then which was 2014 I have been having small issues with them getting letters stating my modification was denied I owe back escrow things like this that I was able to resolve until now. They are saying they are foreclosing on my home because I have n't made a payment since XXXX which is completely false and everytime I called and spoke to someone they said they were looking into it and when I got a point of contact they always went on vacation or transferred to another dept so now they are no longer allowing me to pay my mortgage because I am not on a repayment plan so I will fall behind and lose my house

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint is being filed against Experian in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX , & XXXX XXXX XXXX XXXX, with Experian on four different attempts to correct their inaccuracies. However, Experian have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Experian claiming the account verified, how was it verified and by what method did they verify? Why cant they provide me with the original signed contract as Ive asked repeatedly, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on four occasions. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,

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 09/18/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Deutsche Bank XXXX home loans, after repeated attempts to ask for a home loan modification due to high mortgage rate the bank kept refusing me. I submitted proof of hardships in ever occasion. My loan was bought by Deutsche Bank XXXX Mortgage from XXXX XXXX in XXXX. I lost my job and my income was reduced by over XXXX yearly. Todate this company has failed ot accomodate my hardship. I have owned my home since XXXX. I have been paying Deutsche Bank XXXX mortage the high rates of 9.75 %. I have filed for backrupcy to protect my home. I want lower rate and rembercment for years since first hardship sent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: My wife and I have had a Merrill Lynch XXXX " wrap '' account for about 25 years. My wife also has her own Checking/Savings account at Bank of America, Merrill 's parent. She deposited a check against her B of A account into the Merrill Lynch account at a B of A ATM. One week later, the funds were still not in the ML account. This has never happened before in the many other instances she has done the same exact type of deposit transaction. I asked her to check her B of A account activity and, sure enough, her balance was lower by the amount of the check ( {$1500.00} XXXX. I called ML 's customer service rep and was told that checks can " take up to 8 days to clear '' and appear in the account balance EVEN IF THE CHECK IS FROM B OF A, THEIR PARENT! I asked, " if the funds are already out of my wife 's B of A account but not yet in mine, where are the funds right now? I was provided no answer to this seemingly simple question. Are they ( BofA/ML ) deriving some benefit from holding my funds temporarily?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A Citibank XXXX card was opened in my name back in XX/XX/XXXX by a family member without my permission and was illegally used. The ending charge-off balance was over {$700.00}. I filed an ID theft complaint not long after the account had shown up negatively on my credit report and the account was removed around XX/XX/XXXX. Unknowingly the account was posted on my XXXX credit report around XX/XX/XXXX. I only found out about the negative item after I applied for a mortgage refinance. While my refinance was successful, the account caused my credit score to decrease and made my interest rate higher than it should of been. Needless to say, I was furious at the fact that Citi/XXXX would repost an account that was already deleted. This item still stands on my XXXX report and I am demanding that Citi/XXXX remove this item. The account number begins with XXXX ... .. under the name 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 03/21/2016 about Consumer Loan (Installment loan) with KEYCORP (CA).
Issue: Problems when you are unable to pay

Complaint: I got a loan from Key Bank for a pool in XXXX. I ended up short selling the house in XXXX, and stopped paying the loan. The loan was sent to collectors and I arranged automatic payments with them in XXXX. I noticed after about a year that the amount owed was n't going down, so I called and spoke to the collection agency and they told me that Key Bank was still charging interest, as they did not and could not charge interest. I called Key bank and they had no idea how that happened. The interest charges stopped after that. In XXXX, my automatic payment stopped, so I called the collectors and asked why, and they told me Key bank took the debt back. I called Key bank and was told the want the entire amount owed, not the little payments I was making, so I said send me a bill. The bill never came, and I got a call from XXXX XXXX on XXXX/XXXX/XXXX at XXXX, and he had no records of my previous contact with Key bank. I requested my proof of payments from him, and I gave him my address, and I 'm still waiting. Key bank has my address and phone number, but they keep calling my mother and harassing her. I need proof of payments from them to show that they were charging interest on a debt they had transferred to collectors, please help, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-02-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: Capital One Credit Card Company bought another Credit Card Company. I have some XXXX accounts at this time with Capital One. These accounts are all in good standing. Somehow Capital One sent to the IRS a form XXXX ( forgiveness of debt ) and I was forced to pay thousands of dollars to the IRS and to my accountant to straighten this mess out. Nothing was done and I was forced to pay my accountant several thousand dollars in fees and pay the IRS several thousand dollars in income tax fines penalties etc. I made dozens of phone calls to Capital One. I send them faxes and and letters. They refused to acknowledge the problem. They ignored my problem completely. The only thing they did do was send me a letter and say they would notify all the Credit Reporting agencies that there was an error and I was a victim of Fraud. I called the IRS and they informed me that unless Capital One sent in a corrected copy of the XXXX they could do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Payday loan) with Bayview Investment Group LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: on XX/XX/2015 a collector call my place of employment and tolled the secretary that if i do n't pay he was going to have myself arrested and that i was going to lose my job.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Mortgage (Other mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Application, originator, mortgage broker

Complaint: I was denied the chance to continue an application with the XXXX program, by Doral Bank XXXX XXXX XXXX, which has dissapeared and was bought by XXXX other XXXX banks, because I have a HOME OFFICE in the lower floor of my house. I do not know it a XXXX lender can really deny me this service. I really would like to refinance my mortage, so I can lower my mortage payments, just as XXXX other XXXX citizens have done. Please respond to my question, as I am very unknowledgeable of these complicated finantial issues and no one else has bothered to answer my question, here in XXXX XXXX. 
Thank you very much. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Medical debt) with Herbert P. Sears Co., Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been working directly with the company that this debt originated from. Also when I spoke with the original debt they informed me that this company has no right to contact me on behalf of them because I do not owe the collection agency I owe them directly. Now they are reporting to my credit reports and I am not happy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit card or prepaid card (Payroll card) with First Data Corporation (NC).
Issue: Problem with an overdraft
Sub-issue: Was signed up for overdraft on card, but don't want to be

Complaint: Hello, I am writing with a very serious complaint about Money Network.
Money Network has allowed an overdraft on my card account, which had a {$0.00} balance.
That means there was no money in the account linked to the card for the puchase to be approved. There is a reason I left this account at {$0.00} - Not for MN to   XXXX   XXXX   put purchases thru leaving the account with negative balances.
<P/>
Why does this company do things like this? And then push us to overseas customer service agents that ca n't help?
<P/>
This account is not an approved checking account that one has signed up for for thru an application. This is an employer pay card service. Even though the services act like a checking account, OVERDRAFT is something that one must sign up for and check a waiver stating that the end-user has approved the practice. None of this has ever happened with my account.
<P/>
Therefore you put a purchase thru that was not approved, causing nothing but headaches.
I would advise this company, going forward to remove the overdraft feature from their system.
If the account being debited has {$0.00} funds, the purchse should be denied!
<P/>
I expect you to remedy this and get the {$60.00} back, since this was an unauthorized purchase in the first place.
WHY - I contacted this specific company 3 weeks ago and told them to cance ; l the said accunt (  XXXX  ) to which they responded over the phone it would be done It was not done - and here we are!
<P/>
What will Money Newtoek be dong about this?

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have filed a complaint four different times and they continue to send the same standard letter saying they find it as a valid inquire, yet the company has told me it was concerned that it was fraud and they cancelled the approved loan. I have tried to upload the fraud form and their system does n't provide for a way to upload this form. This is my personal information and yet they wo n't change my file to reflect the truth. How are these reporting agencies allowed to share a persons personal and financial information to anyone without any regards to the actual consumer, and in turn will not provide any information the actual consumer but instead protect the person committing the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Closing/Cancelling account

Complaint: Re : XXXX Macy 's Store Card I CALLED TO FIND OUT IF CARD WAS GOOD, AND THEY SAID IT WAS GOOD. 
AT THE MACY 'S STORE IN XXXX XXXX, IT WAS DECLINED, AND THEY SAID IT WAS CLOSED A YEAR AGO. I WAS NEVER INFORMED ABOUT CLOSING THIS ACCOUNT, AND I WAS OWING NO MONEY, AND WHY DID THEY CLOSE IT? THIS WAS WRONG.

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 11-07-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The Student Loans are my daughter 's in which my husband & I co-signed. My daughter missed XXXX payments on the loan and then called to try to fix it and told Wells Fargo that she was in the process of filling bankruptcy but did not want the student loans to be a part of it because we co-signed on it. Wells Fargo did not care and put the loans into Charge Off Status with their Bankruptcy department. When the loan was in default Wells Fargo said they tried to get a hold of my husband and I by sending a letter to us, however we had moved from XXXX to XXXX and they sent it to our XXXX address and by the time they received the returned letter it was in the bankruptcy department and they said they do not contact co-signers when it is in bankruptcy. My husband and I have multiple accounts with Wells Fargo including a Mortgage, They could have found our information if they wanted to find us, I feel they really never tried. My daughter never told us what was going on and Wells Fargo decided to destroy my husband and my credit without even giving us the chance to resume the payments. I found out about all of this when my husband and I tried to apply for a loan and they let me know my credit report was not what we thought it was because of the Wells Fargo Student Loans. I immediately contacted Wells Fargo and have been trying to work with them to rectify this and they just keep telling me that as a co-signer it was my responsibility to know what was going on with them. Unfortunately as a co-signer on a student loan you do not have access to Student Loans only the originator does. Had Wells allowed me to keep record of the loan on my Wells Fargo online banking I would have remembered to update the address with the Student Loans with the rest of my accounts when I moved and I would have seen right away when my daughter stopped making payments and would have addressed it before it reached the point it did. Part of being a co-signer is to take responsibility when the originator can not, but how can a co-signer do this if they are not notified or are not allowed access to the accounts? How can my husband and I get help to get our credit repaired and keep this from happening to others in the future from these big banks??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (I do not know) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Around XXXX XXXX I contacted Navy Federal Credit Union for a loan for a dump truck. I was asked to issue a bill of sale in order for the bank to review the value of the truck and determine loan amount. The bank came back after credit checks and I assumed VIN check and approved a loan of {$33000.00}. We accepted and signed agreeing to the loan under XXXX XXXX XXXX. 

Upon Arrival in Mississippi to pick up the truck, we realized after being there for a few days that the sale was a scam and that XXXX XXXX XXXX was in the business of scamming people. We immediately tried to contact the bank but XXXX XXXX was out and no one else seemed to be able to assist me with the issue. I sent numerous texts and emails and made phone calls and no one tried to assist. When XXXX returned I explained in detail what I found out from the BBB, XXXX XXXX, and various other websites that the owner XXXX scammed many other people the same way. XXXX tried to help and we continued to make payment on the truck until XXXX XXXX. I made numerous calls to the bank and was told rudely by one woman in the business collections department that it was n't there problem. After a few more calls someone from the business department called and asked me to tell what happened so they can best help me. I was told that the loan should n't have been issued in the first place and that no one actually did a vin check to see the value of the vehicle. Upon doing a Vin check they found out that the truck was only valued {$1500.00} and that it would n't be worth them repossessing the vehicle. I was told I would be contacted about the next course of action. 

I started getting letters from the bank saying they will need to take further steps if the account was not brought up to date. I called the bank and told them I could not afford to make the monthly payment as the truck was not in our possession and that is what we would have used to make the payments. I was told that the collections process would have to run it 's due course and I would be contacted by their lawyers. 

I received a letter from Attorney XXXX XXXX approximately XXXX XXXX to call about the loan or they will assume the loan is mine. I tried calling the number on the letter and no one picked up. I sent the letter back explaining that I contacted the bank and that the whole deal was a scam. I never heard back from the lawyer 's office. 

On XXXX XXXX, XXXX I received a letter thanking me for a payment I did n't make. I rushed to the bank only to find out the cleaned out all the money from my personal accounts without my knowledge even though I was told the dump truck was the collateral for the loan. 

This really put me and my family in great distress to the point that I could n't go to work. I try really hard to keep my credit profile clean.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. OnXX/XX/XXXX I sent the credit bureaus letters. <P/>I waited almost SIX WEEKS, and received ZERO response. <P/>
I again sent another letter on XX/XX/XXXX and now another SIX WEEKS have gone by and I have ZERO response. I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME. <P/>Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license. <P/>I am incredibly frustrated by the lack of response from the credit bureaus. <P/>Nothing i am doing is getting a response or correction of items on my credit report. <P/>The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT. <P/>I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of XXXX. This is n't fair, this is n't right and i am completely disgusted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have asked that all correspondence be by mail. Pioneer Credit calls multiple times a day to myself and numerous family members. 
They are now engaging in deceptive practices of making false representations by somehow displaying my family names on the caller id in place of their phone number. This is harassing and intimidating uncalled for actions on the part of Pioneer Credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation