milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2015 about Debt collection (I do not know) with reekside Recovery And Capital Management (NC).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call from an unknown number on my cell phone. The caller gave the name " XXXX '' but did not leave a company name. He said that he will be coming over ( did not say where ) to get my signature and that I needed ID. He said that I had to call XXXX if I needed to reschedule. If I google that number I find a ton of complaints. Apparently this is a debt collection company that is acting illegally. He did know my name and phone number so he had some information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has again sent misleading and false results, citing items I never disputed and disallowing me from viewing my report on line. They have XXXX Fraudulent Inquires that I have sent XXXX LAW ENFORCEMENT REPORTS IN, with respect to XXXX, XXXX, XXXX They refuse to comply with the law, and thus deny me access to my report and ability to dispute items. They have an address listed I do not reside, ironically an inquiry listed at such address. They are purposely doing this in contravene to the FCRA. This is tantamount to fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have notified Equifax on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Central Finance Control had placed this negative items on my credit reports without notifying me. I filed an dispute with Central Finance Control on XXXX and they never responded to my dispute. Central Finance Control violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I had requested this items deleted off the CRA within 15 days from the date of the dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I had prepaid cash cards through Citi bank, XXXX XXXX, and XXXX. These cards expired and they wo n't reissue them. How can cash cards expire? This does n't feel right. If my debit or credit cards expire they send a new one. They claimed their agreements did n't allow them to do this.

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 monetary relief
Consumer complaint received 12/26/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2015, Nationstar Mortgage executed and recorded a fraudulent instrument ( ASSIGNMENT OF DEED OF TRUST '' ) in XXXX County Texas Recorder 's office declaring they were assigning a deed of trust on behalf of Assignor-Countrywide Home Loans, defunct entity, as attorneyin-fact to XXXX Assignee. 

On XXXX XXXX, 2015, Nationstar responded to a QWR via a CFPB complaint declaring they were servicing the note on behalf of XXXX the assignee of the Assignment. The recorded instrument contradicts this reply and is fraudulent and false.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I called Capital One 360, regarding a fraudulent transaction on my checking account. Someone hacked into my online bank account and sent a cashier 's check to a person I do n't know, XXXX XXXX, in the amount of {$2000.00} on XXXX XXXX. In addition, I was charged a {$20.00} service charge for this fraudulent transaction. I told Capital One 360 that the amount of {$2000.00} had been deducted from my account because of the fraudulent cashier 's check from someone hacking into my online bank account. Capital One 360 told me they would contact me within 48 hours to setup a new bank account, and my money would be redeposited into my new bank account because it was removed fraudulently from my old bank account which was closed by Capital One 360 on XXXX XXXX when I reported the fraudulent transaction. 

As of today, XXXX XXXX, I have not heard back from Capital One 360 regarding my money, I am out {$2000.00} and no one from Capital One 360 has contacted me as to where the {$2000.00} is or how to setup a new bank account and deposit that amount into my new account. I called Capital One 360, fraud department on XXXX XXXX, and they asked me to send a screenshot of my iphone to check for malware, which I sent to Capital One 360 on XXXX XXXX via email. I also called Capital One 360, on XXXX XXXX because I had n't heard back from Capital One 360 regarding the {$2000.00} that was fraudulent taken from my bank account. Capital One 360 told me to resend the screenshot of the malware check that I did on my iphone which I resent on XXXX XXXX. 

As of today XXXX XXXX, I have n't heard back from Capital One 360, regarding my missing money {$2000.00}, which I am expecting to be reimbursed into a bank account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and Experian are not responding to any of my numerous requests to investigate and remove accounts from my credit reports that were opened fraudulently.

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 02/13/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX XXXX XXXX, has contacted me without my consent, and also obtained my personal information with out my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I am writing to you to escalate an extremely serious unfair credit card decision by Citibank. This was regarding my new XXXX XXXX XXXX credit card application. Recently I applied for this XXXX XXXX XXXX credit card online, but it was declined by credit card department. Today a representative ( XXXX XXXX XXXX ) from Citibank executive office called me and explained why this application was declined. The reason that XXXX XXXX gave me was that I opened two new cards over the past 12 months ( not with Citibank, but with other banks ).

First of all, I have outstanding credit score and credit history that you can see in my credit report. Secondly, I know many of my friends who opened even more than two new cards in 12 months but were still approved with new card application by Citibank. Apparently, Citibank treated me very unfairly as opposed to other Citibank customers. This is seriously against US Federal Law of Fair Credit Act. I suspect Citibank credit card representative XXXX XXXX XXXX had discrimination against me because I am minority when she made such a decision. 

I must request Citibank to re-review and approve my application as fair decision compared to other customers. 

For your information, my application ID with Citibank is 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 02-09-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NV).
Issue: Struggling to pay mortgage

Complaint: I feel I was forced into taking this Interest Only Loan that has a First Mortgage and a 2nd Mortgage lien on my property. I am older and have now been paying on these TWO loans for 10 years interest only and have NO principal pay down on my loan. I've worked so very hard to keep up the payments each month and have for XXXX  years on two loans. Due to this stress and constance work schedule I am now terminally ill, unless I receive a XXXX XXXX. My insurance and XXXX require that I go with a XXXX XXXX XXXX in Texas. I tried to get a transplant in XXXX XXXX, closer to my home, which is in XXXX, Nevada. But my insurance company would not approve the expense in that area. So I was given no choice but to move to Texas. The move an expense of the move cost me literally thousands upon thousands of dollars now. My moving truck with all my items was robbed and all my valuables were stolen. The move itself cost over {$XXXX} dollars. I am working with my XXXX in XXXX, Nevada to Short Sale my home. We have a good offer and it is nearly enough to pay off both the 2nd and the first mortgage. Although, XXXX XXXX will not provide me a moving expense credit on the Short Sale. I know the loan that was sold to me at the time I purchased my home is now considered a predatory loan and with my payments at total of {$XXXX} for both loan & are with the same Lender ( see attached Mtg Stmnts ), I have now over a XXXX year period paid them an estimated {$XXXX0}, XXXX. I know my XXXX has been getting the run around by this Lender and mainly the Investor! I do not wish to take this to court proceedings, I am trying to work with them due to my health condition and are trying to not get upset. Although, the unfairness of denying my relocation expense of {$XXXX} is going XXXX XXXX me to seek an attorneys assistance. But I was told by my XXXX XXXX Might be able to help. I am asking you help me close on this Short Sale as soon as possible please with obtaining a {$XXXX} XXXX Assistance. I am attaching the HUD XXXX showing the request for the funds and how much the Bank/Investor will be gaining with the sale. Please help me for I need assistance and need this all to be put behind me so I can move forward, regain my health and live peacefully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I had a checking and a prepaid accounts with Chase Bank, and on XX/XX/XXXX I contacted the Chase XXXX number to file a dispute on a transaction that was posted to my prepaid card incorrectly, and that dispute request triggered the representative at the overseas center to enter my name and credit information on XXXX XXXX XXXX without informing me of that. He also shut my accounts with Chase without my knowledge. A few days later when I was trying to make an atm deposit, I noticed that my card was not working and went to the local branch in XXXX XXXX, CA, and after sitting with a representative for over an hour, I was informed that my accounts were shut and closed by the bank and no further information was giving to me. I contacted Chase Bank several times to try to get the information on the unexpected closure of my accounts and the response was that they did not have any additional information. OnXX/XX/XXXX I filed a complaint with BBB and received a letter from Chase Executive Office dated XX/XX/XXXX advising me that Chase Bank submitted a request to remove reporting of my information from XXXX XXXX XXXX. On that letter, there was a contact name for XXXX ( ext. XXXX ) and I called on XX/XX/XXXX to speak with her and ask if correction to my information have also been made for Chase Bank, and XXXX was unavailable, so I spoke with XXXX. XXXX had no information in regards to correction to my Chase file, so I contacted Chase again on XX/XX/XXXX and spoke with XXXX, who also had to access to that information. He told me that someone from that department would contact me to discuss that information and later on, I received a call from a representative named XXXX, who confirmed that Chase has requested removal of my information from XXXX XXXX XXXX, but not from Chase, and I can no longer bank with Chase. She did not provide me detailed information on why and how this remark was added, or how to have this information corrected with Chase. I have no history of fraud or account abuse and I believe this negative remark to both XXXX XXXX XXXX and Chase Bank was done in error, so I want to request assistance to get a corrections to my credit records and personal information with the Chase records as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Payoff process

Complaint: XXXX letters were sent to AMEX, the only response I 've ever received from an American representative ( not someone in XXXX XXXX, XXXX ) are due to : 1 ) Emailing the CEO which forwarded my complaint to the Executive Office and 2 ) A CFPB Complaint. 

Despite almost coming to an agreement with AMEX 's Collection Agency, they had informed me AMEX **will not stop charging me late fees** despite having a payment plan in place which is far from logical and ethnical. Those late fees would total XXXXmonth essentially XXXX any payments towards the balance. I am unable to accept AMEX 's direct " hardship program '' ( not through the CA ) because it far out of my budget and would restrict my ability to continue my studies, living expenses, and other creditors. This problem has caused me XXXX the last few months since I have been blatantly ignored in my attempts to resolve this. AMEX 's " hardship program '' waives additional late fees so the CA 's program should as well. Directly AMEX expects you to pay off your balance in XXXX months which is a clear misinterpretation of the word " hardship ''. 

I have gone above and beyond my duty in attempting to contact AMEX yet they are still trying to bill me for fees which could have been avoided months ago if they bothered to reply, a representative would allow me to speak to someone higher up in the food chain such as supervisor ( which was never allowed for whatever weird reason ) ; instead they allegedly have never received any of my complaints which have shown my desire to come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was victim of Identity Theft and they used my SSN to open a XXXX Account - with a {$3600.00} unpaid balance ( in collection ). I have asked Equifax and XXXX to remove the this item with no success ( in dispute since XXXX 2015 ). 
I also asked Equifax to remove another Collection issue ( caused by the same perpetrator who stole my SSN ) - Unpaid rent for {$4700.00}, in a city I have never lived in. No results to far.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Medical debt) with Capio Partners, LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received medical treatment on  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  in  XXXX , OH. Never received any billing on this. I now have a notice from a collection agency dated  XXXX / XXXX / XXXX . I called the medical center directly on  XXXX / XXXX / XXXX . Informed them they never billed me. Customer service states multiple bills were sent and she only named some dates in  XXXX . Informed me they were sent to my current address of  XXXX   XXXX   XXXX ,  XXXX  OH. The problem is this address has only existed for mailing since  XXXX   XXXX  as it is a newly created address. So their customer service is using an address they just updated in their system but would not provide a reason why they did not bill prior to  XXXX  or actually use my real prior address I provided to them,  XXXX   XXXX   XXXX ,  XXXX  OH. I asked if this is now reported on my credit. The customer service person refused to answer this and told me I had to discuss with the collection agency.   XXXX   failed on billing and is the responsible party to correct the issue. I am dealing with   XXXX   and not the collection agency. I expect   XXXX   to be able to answer and resolve the issue because it is their failure on billing. If they or the collection agency reported this to my credit then  XXXX  needs to take the corrective action to remove this report on my credit and acknowledge they failed to bill properly. The bill is for {$690.00} and the collection agency ( Capia Partners,  XXXX  TX  )  is offering a settlement of {$590.00}. I am ready to pay the full {$690.00} as I would have if I was actually billed. I need   XXXX   to be accountable for what they have done to my credit and answer my question regarding my credit record. Customer Service at  XXXX  should not be refusing to answer my question on an issue they are at fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX we applied for a mortgage with Wells Fargo Mortgage while not needing funding until house completion scheduled for six months later but wanted to lock in a good rate fearing an increase while waiting. Wells Fargo recommended 'XXXX XXXX ' which called for a minimum loan amount of {$400000.00}. and payment of an upfront fee of 1.25 % ( {$4200.00}. ) to lock rate for up to 12 months. The only stated reasons for a refund of this fee were failure to qualify or failure to appraise. We paid the fee, qualified for the loan, and the unbuilt house appraised but in XX/XX/XXXX the contractor decided to cancel construction and refunded our deposit. Wells Fargo Mortgage considered our request for a refund of {$4200.00}. for many months ( until XX/XX/XXXX ) and then informed us that no refund would be approved saying that our money had gone to a third party to purchase rate protection and could not be recouped from said third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed XXXX items under the 609 law over the course of four months. All disputes were notorized and sent certified mail. Said items are still on my report against the law as bureau never provided me with original documentation of these accounts they are suppose to have on file before the can list it on your credit file.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have derogatory information on my three credit bureaus from XXXX, XXXX and Experian that are not correct I’ve tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didn’t authorize could someone please help me out with these problems I’m having 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 explanation
Consumer complaint received 09/15/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: My creditor XXXX XXXX has reported twice on Experian. Once under loans and another under Litigation. This is facing a judgement in public records. Due to this / This loan was deleted from my XXXX account. XXXX only report it once. A previously opened charge card. XXXX XXXX that is delinquent and charged off was reported with an incorrect open date of XXXX/XXXX/2013. This account was deleted with the dispute and was reinserted with an open date of XXXX/XXXX/2013. This account is closed but it is reporting a fresh charge off every month. It shows on my credit as a new account. These items are ruining my credit, could you help. XXXX XXXX also reports it as a fresh account.

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