milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Rewards

Complaint: After being a loyal XXXX XXXX XXXX and XXXX customer, I recently expanded by loyalty to Citi to only endure a disturbing experience as follows : I had responded to, and was accepted for, a Citi XXXX XXXX offer for XXXX awards points. 
I began using my card while on vacation in XXXX. 
My Citi card was immediately breached and I was the victim of fraud. 
The card had to be closed and a new card had to be issued. 
The new card that was delivered without notification to me and sat in the concierge office for over a week. 
I paid off the breached card in FULL. 
I activated the new card and resumed making charges. 
Citi has denied its commitment to honor the XXXX XXXX XXXX points. 

After we activated the replacement card we called Citi to reconcile the account to determine how many more dollar purchases were remaining to receive the deposit of the XXXX XXXX XXXX points. We were informed by a Citi representative the XXXX would not be honored due to the delay in making our purchases within the timeframe. We were SHOCKED no consideration was offered due to other fraud issue that was not our fault. Any access to our card information was due to insecure Citi systems since the card never left our possession. 

We have been contacting Citi for over 30 days through multiple channels only to be stonewalled and deflected ( voice mails were left with no phone number or contact information ). We finally reached XXXX, a Citi representative, who contacted XXXX XXXX. XXXX indicated they would be willing to issue the XXXX points as promised. XXXX then contacted the Citi department to have the award of our points authorized but then told us it was being denied by Citi. At this point, we were completely frustrated and felt like we had become the victims of a bona fide " bait and switch. '' Due to the delay and inconvenience caused by the fraud issue, I am shocked and disturbed Citi is taking such a hardline approach to this. Because I suffered a breach in security with the fraud issue, I believe anyone would think it reasonable for Citi to make a concession and offer some additional time to make the required purchases. 

ISSUE There is no protection for a consumer to be able to make purchases when fraud has been committed. The delay caused by the card being closed should not penalize the consumer. Citi should make reasonable and fair provisions for the opportunity for purchases to be made. 

THE ASK Citi to reissue the card and honor the award of the XXXX XXXX XXXX points. 

Any help you could provide would be greatly appreciated.

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 11-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is trying to collect over {$1500.00} in debt when in fact I only owed them $ XXXX. I want this account removed from ALL my credit reports. XXXX. 

I have proof to show for it. 

Kindest regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ive been a victim of their inquiry issue. Ive tried to reach them out before in the past and they would not remove them for me.

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 01/26/2018 about Money transfer, virtual currency, or money service (International money transfer) with JPMORGAN CHASE & CO. (WA).
Issue: Wrong amount charged or received

Complaint: As Chase premium account member, there is {$0.00} fee for incoming international wire transfer. However I was charged me {$25.00} for a incoming international wire transfer dated XX/XX/2018. I had been given different explanation about the charge when contacting with Chase customer service representatives. One explanation is it was charged by sender 's bank. Second was it was charged by intermediary bank.  Third was it was charged by Chase following remitting bank 's instruction. I told them sender 's bank already charged their fee of AU {$12.00} and it was debit from balance of the account it was printed out in the transaction report. If there was intermediary bank,  please provide information of the bank name and transaction reference id which they refuse to provide the information. For the third explanation, it's ridiculous because senders bank would not benefit from the charge so why they would instruct Chase to take my money and why Chase has obligation to follow such instruction. Chase has no right to take my money without my acknowledge and agreement. I have records of all the responses from Chase customer representatives. I think it is ripoff for Chase to charge undisclosed fee. I want a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section  623 , subsection (  8  ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection (  7  ) ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may  constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also have 2 account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This dispute is being written in response to in-accurate crediting reporting on behalf of XXXX, Account XXXX I have been trying in vain to get this company to confirm that this is indeed a valid debt by way of sending me documentation indicating paper work I signed agreeing to open this account, statements and any other documents verifying the validity of this account. I have reached out to this company by letter, phone calls and fax continually over the course of the last year. When disputing the information through " XXXX '' " Equifax '' and " XXXX '' XXXX Is indicating that the reporting is accurate however please note the credit report I have attached which states otherwise. " XXXX '' is indicating this is a closed account however " XXXX '' and " Equifax '' are indicating the account is a charge off which is affecting my credit rating. I would like Equifax to change the reporting status of the account from " charge off '' to a " closed '' status which a representative from XXXX indicated would be done during a phone call on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Focus Holding Company (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: requested debt validation and was hung up on and threaten to never be able to get a job and live poor. 

Informed this company I am required by law for debt validation along with proof they are allowed to collect as they have never attempted to contact me before reporting this claim on my credit and they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Settlement process and costs

Complaint: Bank of America has really destroyed our lives. We have been renting since my agency relocated us about 5 years ago and they have adversely blocked our ability to get a mortgage because of what and how they report what occurred. We tried to sue them in Federal Court which was very expensive and we lost. We have begged them to look at the file to see how their third-party vendor made us loose valuable benefits from the agency that would have allowed us to purchase our new home here in MD and sell our home as agreed. Because it was an agency purchase which required date-certain movement which, again BofA and its vendor agreed to, we were penalized through no fault of our own. The agency purchaser due to XXXX regulations could not consummate the sale beyond the date set for closing. We could not contact BofA or their vendor. We had already commited to move-in via an interstate move. It was all coordinated but BofA did not hold their side of the transaction. Closing documents were signed, purchase price was agreed, and because of confusions and changing characters in BofA, we lost heavily. We lost all of our equity in our home but the short sale as agreed was only about {$10000.00} less. We had maintained the house as best we could while we sued BofA but then we could not do it any longer. Then in the middle of litigation we were forced to sign a settlement agreement with another lender who worked for BofA to forestall foreclosure. We were just wornout from litigation. It began as an agency paid relocation and BofA failed us and cost us the loss of our home and benefits. We would like to take advantage of the offer afforded consumers in the wake of BofA 's historic settlement but do not know how. FOR NOW, we would just be satisified with them removing the erroneous reporting which prevents us from getting a mortgage, showing us to be 120 days late when we did n't even have a mortgage with them. We tried to modify our mortgage to include the yearly escrow taxes and the servicer ( Home Loans ) told us to hold our mortgage payments for four months ( like they told many people ) in order to do it. To our loss, the modification did occur and allowed us to include our taxes but left this on our record. That was Home Loans, it was not BofA. They have destroyed us. We ca n't get a home and it always comes up as if we foreclosed. We never did. We pay hefty tax bills and are stuck and no one, not even the courts, would listen to us. We were pro se because we were.

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 12-05-2015 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: GLA Collection agency has established XXXX consumer accounts, XXXX being reported to credit bureaus. This is in violation of the FDCPA and the FCRA statutes. 

Section 808 of the statute describes what would be considered unfair practices employed in the course of attempting to collect a purported debt. It begins by saying that the limitations described in the following section do not limit the object of the statute, that means that even though the debt collector might not haveviolated the literal language of a particular provision, if it can be shown that the particular collection practice was unfair or unconscionable, then it will be considered a violation of the Act. 

It further states that the debt collector can not collect any amount of money that is not permitted by law or by the agreement. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 

The purported contract or agreement falls within a class of contracts or agreements required to be in writing. The purported contract or agreement alleged in the collection action is not in writing and signed by defendant or by some other person authorized by defendant and who was to answer for the debt, default, or miscarriage of another person. 

Since there is no consumer relationship between the collection agency and myself, the collection activity as well as the reporting of an actual account or accounts on behalf of the collection agency are unconscionable and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, Transunion is reporting information in error via my consumer reports as follows and it has not been resolved : 1. XXXX XXXX XXXX, Current and paid as agreed XXXX. XXXX, {$240.00}, Paid directly to hospital ( XXXX XXXX XXXX ) and to be removed as error per XXXX in Billing.

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 11-10-2017 about Debt collection (Mortgage debt) with Shellpoint Partners, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: 11 years ago I used to have a property in New york, the crisis started, I divorced and included an FHA mortgage with XXXX in XXXX XXXX # XXXX for years they offered to refinance and keep the home, my ex wife never won't.. 3 months ago suddenly a debt collector call SHELLPOINT report a mortgage in credit report, for  {$560000.00}, originated in XXXX paying XXXX and late more than 120 days for XXXX consecutive years, mi XXXX score was XXXX before they include this lies, I never apply for mortgages after my bankruptcy. Now mi score XXXX, all my creditors start increasing and closing accounts, I called them and ask to send my bankruptcy papers, I send it in XXXX, but they 're arruining my financial life, reporting late payments. I am loan officer and can I can loose my license. I called again and they still are investigating, I dispute with the credit bureau, no answer yet, and my credit keep going down, please help me. I never request and signed nothing. nothing. all that information is NOT TRUTH.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: From : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXPhone : ( XXXX ) XXXXEmail : XXXXPHH Mortgage Service loan number : XXXXRegarding : PHH Mortgage Servicer Loan Modification DenialOn XXXX XXXX, 2015, I was notified by PHH Mortgage Service Loss Mitigation that my loan modification was denied because of too much expenses, I have requested for an explanation. On XXXX XXXX, 2015, I received a Decision Notice ( denial ) letter of XXXX pages, ( exhibit A, B, C, D, E, F ) and XXXX pages of Income and Expenses Worksheet ( exhibit G, H, I ) via email and fax. On PHH Income and Expenses worksheet they stated that my expenses is {$6400.00}, which is completely inaccurate and deceivable figures. On XXXX XXXX, 2015, XXXX XXXX XXXX supervisor PHH Mortgage Loss Mitigation called me, I 've asked him why did you calculate this figures as part of my expense such as all the credit cards that I do not pay on and are delinquents and charged-off, and most of the other figures are outdated and inaccurate because it has been about XXXX months since I submitted my loan modification documents and even a monthly payment and the amount I owe on a mortgage on a house that I have not owned in over XXXX years? he basically stated that those figures are correct because they show up on my credit report and for me to contact those companies and have them remove it from the consumer reporting agencies. I asked my case manager from PHH Loss Mitigation why is the XXXX pages of Income and Expenses Worksheet has XXXX Investor XXXX, she said they are the one who owns my loan, I asked why is it in the Denial XXXX pages letter it states that XXXX Bank XXXX XXXX XXXX is the owner of my loan, she does not know. 
When I submitted my loan modification documents in XXXX 2015, XXXX XXXX XXXX XXXX XXXX was the owner, then XXXX XXXX foreclosing on my house and now XXXX XXXX denied my loan modification. Three different banks own my loan in less than XXXX days. I have presented this case to XXXX Housing Council of XXXX, Housing Counselor XXXX XXXX, she told me that PHH is wrong and she wrote a letter XXXX exhibit J ) stating that which I forwarded the letter to PHH. 

After consulting several agencies, I dispute the denial of my loan modification decision that was made by PHH Mortgage Servicer and whoever owns my loan. 
I demand a stop to the foreclosure of my house and I appeal to the owner of my loan to review this case. I also urge the Consumer Financial Protection Bureau to investigate this matter before the bank takes my house with their inaccurate figures

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I obtained a Home Loan from Bank of America XX/XX/XXXX in XXXX, XXXX We refinance our loan with the SAME bank, Bank of America XXXX to a lower interest rate. We PAID ALL THE FEES Bank of America requested for the refinancing transaction. XXXX HAVE BEEN LATE with our monthly responsibility payments for our mortgage to Bank of America since we obtained our Home Loan in XX/XX/XXXX as well as when we refinance it with them. After 6 years of punctual monthly payments to Bank of America, our monthly payment amount was decreased about three hundred fifty dollars ( {$350.00} ) .This was due to the calculations Bank of America did based on the amount we paid them in 6 years since we obtained our Home loan. Last month, in XX/XX/XXXX, we received a letter from XXXX. This letter dated XX/XX/XXXX, indicates that our mortgage have been transferred to this institution, XXXX and ALL OF A SUDDEN WE ARE SHORT IN OUR ESCROW BALANCE, THEREFORE, THEY ( XXXX ) ARE INCREASING OUR MONTHLY PAYMENTS TO XXXX XXXX XXXX DOLLARS ( {$150.00} ) MORE. My wife and I had never received any prior notification, much lest any CONSULTATION from Bank of America regarding the selling of our Home Loan to a different Institution. We choose Bank of America as our Mortgage Bank BECAUSE OF THE TERMS AND CONDITIONS THEY OFFER US when we apply for our Loan. We had never hear about XXXX before and WITHOUT NO CONSENT from my wife or myself, Bank of America transfers our Mortgage to this other Institution. Evidently, Bank of America is profiting from this FRAUDULENT LOOKING KIND OF TRANSACTIONS. Under any circumstances our Government should allow these Institutions like Bank of America to abuse and take advantage of customers like my wife and I who work hard to fulfill our financial responsibilities. It seems that Bank of America is practicing AGAIN the same kind of deleterious banking practices that many Institutions like them irresponsibly incurred in the near past and brought our country into the most serious financial collapse in recent years. We trust our Government as the REGULATOR AND PROTECTOR of the people against the pattern of arrogance and abuse this Financial Institutions like Bank of America and many other irresponsible ones have. Please advice me and make us feel thatwe can still have TRUST in our system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Prepaid card (Payroll card) with NETSPEND CORPORATION (MO).
Issue: Fraud or scam

Complaint: My prepaid card was hacked I have unlock iPhone my account had some charges on it I ask them to investagte I got 1 back but the other one I did n't than prepaid card company lock me out of my online account this is how I get paid buy my employer than company with out my concent took XXXX that I had on card it when to XXXX balance I get text alert on what my balance is what I buy when my employer deposit my payroll check they we 'll not let me have my wages. They say I have to wait a month so they can make sure money is mine it is they payroll send it to them they know how much I get paid they send me text alerts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation