milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX just called. She told me someone in underwriting made the decision to cancel this file due to the buyers proof of funds not matching on page 1 and 2. ***Please see attached the total amount deposited in XXXX on page 1 ( {$860000.00} ) MATCHES EXACTLY the amount of page 2 showing TWO deposits on the same day ( {$460000.00} and {$430000.00} ) which total $ {$860000.00}. It is clear that there were TWO deposits on XX/XX/XXXX from TWO separate accounts that total the amount showing as deposited in XXXX. 

XXXX REFUSED TO TRANSFER ME TO A MANAGER. XXXX REFUSED to send this back for review and instead CLAIMED THE BUYER CAN NOT EVER PURCHASE THIS PROPERTY. 

XXXX LIED TO ME SHE IS IN FACT THE UNDERWRITE FOR THIS FILE. ( see attached screenshot showing XXXX XXXX as the underwriter. ) She likely lied to me when she said that it was someone else that made the decision to cancel the file. SHE is the underwriter and SHE most likely made the decision on her own to cancel this file. It is obvious that XXXX XXXX is a XXXX and follows the rest of Bank of America in its XXXX dealings with minorities. 

I question whether XXXX, or if it was indeed not XXXX who made the decision to cancel the file, is illiterate or whether Bank of America has gone the way of XXXX in hiring people from THIRD WORLD COUNTRIES to MAKE CREDIT DECISIONS FOR US CITIZENS???? 

WAS IT REJECTED BECAUSE BANK OF AMERICA, ONCE AGAIN, HAS DETERMIED THAT A MINORITY CLIENT IS UNWORTHY OF THE SAME TREATMENT OF A XXXX   BORROWER????? 


WE CANT BELIEVE BANK OF AMERICA IS SO STUPID THAT THE CAN NOT EVEN READ A BANK STATEMENT???? 

WAS THIS REJECTED BECAUSE IT WAS A BANK STATEMENT FROM THEIR COMPETITOR????? 

WAS THIS REJECTED BECAUSE THE PEOPLE MAKING CREDIT DECISIONS AT BANK OF AMERICA ARE XXXX???? 

WAS IT REJECTED BECAUSE BANK OF AMERICA, ONCE AGAIN, HAS DETERMIED THAT A MINORITY CLIENT IS UNWORTHY OF THE SAME TREATMENT OF A XXXX   BORROWER????? 

Oh and by the way, the signor for the buyers company is also a minority. DOES THAT MEAN BANK OF AMERICA IS TRYING TO BAN NON-XXXX PEOPLE FROM PURCHASING PROPERTIES??????? 

This complaint will also be copied to the Attorney General. 

Have XXXX XXXX, the person listed as the president, feel free to call us.

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 02-02-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MO).
Issue: Taking out the loan or lease

Complaint: Ally bank was sued because they were charging minority borrowers higher interest rates for their auto loans between XXXX XXXX and XXXX XXXX. I purchased my vehicle and was Finaced by Ally Bank on XXXX XXXX XXXX. I was financed for XXXX my first payment was made XXXX XXXX XXXX. A third party individual contacted Ally bank XXXX/XXXX/XXXX and spoke with a representive name XXXX ( ID # XXXX ) he advised her i was charged XXXX in finance charges between XXXX XXXX- XXXX XXXX I owned the car for 25 months.. and was being charged round figure of XXXX ( Est ) dollars in finance charges a month..this is defamation of character i request ally to refund me ALL of the Finance charges ive paid there company between XXXX XXXX until XXXX XXXX. Ally went against the ECOA implemented by the board of Regulation B that prohibits discrimination in any aspect. ALLY racially profiled me as XXXX due to my last name being XXXX then decided to charge me a higher interest rate. Ally Violated the FCPR Which assures Fairness of consumer Financing..A third party individual spoke with Allys customer service representatives on XXXX/XXXX/XXXX they Released my account information to a third party who does not have a direct connection with this transaction. IN fact they were knowledgeable enough to call her madam throughout the call but not once requesting to speak with the primary account Holder and she was able to get access to all of my account information Which Violated the Privacy act of XX/XX/XXXX ( Pub.L. 93-579, 88 Stat. 1896, enacted XXXX XXXX, XXXX, 5 U.S.C. 552a ),

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Medical) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a collection notice from a collection agency in the name of XXXX. I am pretty sure this is not my debt since I have not visited a doctor since 2002 and have never used XXXX as far as I know. It could be for XXXX my family members under my insurance but why is it being sent to me in my name and why did XXXX never send a bill?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I logged onto XXXX XXXX to check my credit report when I noticed a debt in collections for {$700.00} that said it was open in XX/XX/XXXX from Midwest Recovery Systems. I contacted the company in which they told me to just pay the debt, but I never took out any payday loans. I will be calling back to Midwest Recovery Systems to retrieve paper to verify that this is not my debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XXXX   XXXX ,    2017 I received a letter (  copy enclosed ) advising me that my  XXXX  Credit Card account had been closed effective  XXXX   XXXX ,  2017 . According to the letter " Our decision to close your account was based on information we received that you may have filed for bankruptcy ... '' When I questioned them who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me i n 3 to 5  business days.     I FEAR THAT THIS MAY BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      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 non-monetary relief
Consumer complaint received 10-02-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Delinquent account

Complaint: hello, in 2015 i opened macys credit card, and i used it purchase furniture at XXXX, but i did n't receive my card therefore they sent me another card. But they did n't transfer the purchases i made with the XXXX card. i found out the issue through my credit report when XXXX ( citi bank ) reported charge off account to the credit agencys. 
My credit score dropped and i got denied from other credit cards and loans. I have been calling macys and citi bank to rectify this issue and i got no help. Please help me to resolve this issue. 
Thank you

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 08/29/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (OH).
Issue: Fraud or scam

Complaint: On XXXX XXXX 2017 at XXXX Eastern I cashed out my bitcoin wallet from Coinbase.com. I received confirmation XXXX. It has been 13 days and I still have not had the money deposited into my bank account. Additionally, I have sent them two messages following up on this and have not gotten any response. This company seems to be scamming me and the least they could do is respond and let me know where my money is. It only took 1 day for them to get my money, it should n't take this long to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX, I applied for a Chase British Airways card and was approved. I used the card over the next month and charged about {$5500.00} on a {$7000.00} credit line. I paid {$3400.00} toward my balance within 20 days of having the card, to earn British Airways travel miles. On XX/XX/XXXX, I applied for a Chase AARP card and was approved for a credit line of {$4500.00}. On XX/XX/XXXX Chase closed both accounts. Citing my efforts to rebuild my credit and had opened several accounts recently. Chase had full knowlegde of my new accounts when they pulled my XXXX Credit Reports both times, but yet approved me. On XX/XX/XXXX, Chase reported both accounts to all three credit rating bureau as " Closed by XXXX XXXX ''. This has had a significant negative impact on my credit scores as a result. My scores with XXXX have fallen from XXXX to XXXX in less two weeks from the time of the Chase reporting. I did nothing wrong with these accounts and now I will have this negative mark on my credit reports for the next seven years. Furthermore, I had not even received the Chase AARP before the account was closed. Because of the irresponsible actions by Chase, I am the one paying a hefty price when I did NOTHING WRONG, and this will effect my ability to get credit for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute an inquire fraudulently pulled in my name. I am a victim of identity theft and did not authorize this inquire .I am not responsible for any charges made to this account if any if open. 
Please delete this inquire immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent request that provide proof I applied for this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.

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 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: As Personal Representative XXXX appointed XXXX XXXX 2015 XXXX for my father 's estate, I have been paying his bills ( since this date ). 

Bills from North Shore Agency XXXX NSA XXXX have been forwarded to my home address ( XXXX XXXX from my father 's address XXXX. 

I can understand the first couple bills I paid to NSA, which were XXXX dated less than one week after my father passed away as being legitimate, but not brand new bills eight ( and more ) weeks later. 

I received a bill dated XXXX XXXX XXXX for " XXXX XXXX XXXX '' for {$46.00} ; this bill stated " THIS IS NOT A " FINAL NOTICE. '' '' I received this on/about XXXX XXXX XXXX and promptly tried calling XXXX XXXX XXXX XXXX ) and left messages with NO call back. 

I then wrote and mailed a letter XXXX XXXX XXXX to NSA XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX ]. I stated that this was the FIRST bill in this amount, essentially TWO MONTHS after my father passed away, questioning the veracity of this bill, that I could neither " verify nor validate that my father ever even received this publication. '' I stated in this letter whose voice mail I left a message for XXXX XXXX XXXX, XXXX?? ), at ( ( XXXX XXXX XXXX ). 

Furthermore, I requested that my father 's account be closed. Permanently. 

Then, yesterday ( XXXX XXXX XXXX XXXX, I received yet another bill from NSA, also for " XXXX XXXX XXXX, '' but for a different amount altogether. This bill was dated XXXX XXXX XXXX in the amount of {$44.00}. This bill now said " DEMAND FOR PAYMENT. '' Yet, apparently a different product, given a different ( and smaller XXXX dollar amount. 

XXXX bills are attached to this complaint. I have never dealt with a company who bills months after the fact, and from a collection agency this seems very suspect to be receiving bills so long after my father passed away. And to not be able to 1 XXXX talk to someone from this North Shore Agency, nor 2 ) get the specific company this bill is originally from to stop these billings AND future mailings XXXX if this product is forwarded, nothing has been received by me ].

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Settlement process and costs

Complaint: Round point mortgage is not giving us our insurance settlement check from our home flooding. We can not fix our home without this money, our home is sitting vacant and unlivable, with no work being done. We are current on our mortgage, always have been, and now are paying for months of rent in a XXXX bedroom apartment. We have XXXX children that want to go HOME! We have called repeatedly and are not getting anything from them, but the run around.

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 03-03-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I opened a Citi Checking account online. Afterwards, I have so much trouble to set up the online access. After several hours of calling and spending on the phone, I finally gained access to my checking account. Citi disclosed that it has encountered technical problems which lasted almost two weeks. 

However, when I tried to link the my Citi Checking account to my another bank account, Citi bank asked several questions trying to verifying my identity. The questions are all pertinent to my XXXX children. I have not been in contact with them for almost twenty years and I have no idea when they are. Because I cant ' answer the questions pertaining to my children, I was denied the link to my other bank account. 
The questions chosen by Citi Bank are arbitrary and capricious.

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 09/21/2017 about Debt collection (Other debt) with GC Services Limited Partnership (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was on a month to month no contract plan with XXXX, which I maintained for roughly 4 and a half years. I switched to XXXX XXXX in XX/XX/XXXX of 2017. I have now received a collections notice from GC Services ( XXXX XXXX XXXX XXXX Mi XXXX phone # XXXX ) on behalf of XXXX. They claim that I owe them multiple months of service fees. I have called XXXX to explain that I never had a contract with them and had always been month to month. As Expected the first person I as able to reach at XXXX tried to tell me that I signed a " 2 year commitment '' to XXXX. the second person tried to tell me I agreed to a plan I literally had never even heard of before. Let me be clear, I have never signed any commitment of " contract '' with XXXX for anything other than month to month service. XXXX at no point in my use of their service extended any credit to me. if my bill was not payed at the end of the month my service immediately cut off, which is what happens when you are month to month. The Representative lied right to me over the phone. I then asked the representative for XXXX to provide me with a copy of my contract showing my agreeing to this " commitment ''. No copy of contract was provided to me and no answer of any kind was provided as to whether there is any record of a contract between XXXX and I. Their collection agency GC services has been calling me everyday since, sometimes 3 or 4 times a day. This is utter and total harassment on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with World Omni Financial Corp. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a closed account with XXXX XXXX. They never had my billing address correct and thus I 've never received a bill. I have asked their debt collectors to send me a bill at least 5 times now. They never do, and they just keep calling. I ca n't pay a bill without actually seeing the bill, but they wo n't send it to me and just keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transuion is reporting an account that was opened fraudulently, I have asked the creditor to provide my signature & a copy of the original application. the creditor is unable to produce these items. 
XXXX/CHARGEOFF Credit Cards {$820.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$820.00} Account Details Account Number XXXX Account Type Credit Card Responsibility Individual Credit Limit {$700.00} Credit Used XXXX % Highest Balance {$820.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$820.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Citifinacial reporting false information to all XXXX credit reporting agencies twice under XXXX account # 's and never gave me the opportunity to dispute the debt before it was added to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (Conventional fixed mortgage) with OMNI MORTGAGE CORP. (NY).
Issue: Application, originator, mortgage broker

Complaint: I was advised by XXXX XXXX at omni mortgage that he could doing my mortgage and after 6+months and tons of personal documents and all, there is no information or whereabouts where my documents are. There is a big concern on how they do business and XXXX XXXX uncle who owns Omni Mortgage XXXX has not reached out to me after numerous calls to him and their staff XXXX. 
I 'm filing a complaint with the attorney general as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a part of the Equifax hack and my information was stolen and now all my personal information can be sold to the highest bidder due to corporate negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is a credit processing center who is reporting erroneously. When an account is past due they take 60 days to send the information to the credit bureaus. I called and spoke to a XXXX and she does n't understand that it is incorrect to say that since they do n't report an account as past due for 60 days that this is considered the 1st delinquency date. She said I was 60 days past due as of XX/XX/XXXX. If I was 60 days past due as of XX/XX/XXXX then the first date of delinquency would be XX/XX/XXXX. This should be reported to Equifax who refuses to remove this outdated account from my credit report. XXXX XXXX sent me a ledger which I sent to Equifax however Equifax refuses to use that information and XXXX XXXX XXXX continues to say their information is correct when Equifax verifies information with them when in fact it is not correct. AN ACCOUNT MUST BE DELETED 7 YEARS FROM THE DATE OF THE 1ST DATE OF DELINQUENCY NOT WHEN IT WAS REPORTED BY A CREDITOR. AGAIN IF AN ACCOUNT IS 60 DAYS PAST DUE AS OF XX/XX/XXXX THEN THE FIRST TIME IT WAS PAST DUE WAS XX/XX/XXXX. I WANT THIS INFORMATION CORRECTED AND IF IT IS N'T I WANT XXXX XXXX FINED AND TURNED OVER TO THE THE FTC FOR WILLFUL NEGLIGENCE. A proper resolution would be the following : To fine XXXX XXXX XXXX for willful negligence to correct erroneous reporting according to the Federal Law. And for violating of Federal Law regarding their negligence reporting method. Turn them over to the FTC for willful negligence for not correcting erroneous information when it has been brought to their attention. They should be fined {$1000.00} or more for the infraction and I should be compensated for their willful negligence. XXXX XXXX XXXX has over 65,736 complaints by consumers because they their accounting is erroneous and they do n't keep accurate records.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have been requesting Equifax to remove an old negative account in my record titled " XXXX XXXX XXXX '' that was opened in 2009. Both of the other credit monitoring companies removed the account due to the elapsed 7-years time, but Equifax is not budging because they state that a collections company took the debt years later, so they are going to make me wait years. It is ridiculous because the account is the only negative mark on my credit report AND it 's been removed from the other credit companies ' reports! I do not understand why Equifax is being so stubborn, especially now that I am trying to apply for a mortgage and this one ridiculous negative mark is holding me back. Please investigate this account and explain to Equifax that there should be no reason to hold me back from my mortgage with this pointless negative account.

Company response to consumer: Closed with explanation