milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: Credit line increase/decrease

Complaint: I contacted Citibank/Home Depot card service in XX/XX/XXXX regarding severe flooding, which was declared a federal disaster # XXXX, in XXXX. This caused me a major hardship as I lost my home and vehicles as well as the indirect effect on my business. The representative, XXXX, advised there would be no problem since it is a federal disaster that policies were in place to assist. There would be no late fees, interest and they would not report any negativity to the credit bureau. I asked if there would be double or triple payments due, as well as would this effect my credit limit/interest rate and she stated no. I made payment in XX/XX/XXXX and contacted the office to make sure that the above was noted and taken care of. The rep, told me that the notes were there but I was billed a late fee and interest and no credits were issued. I requested a manager call back. I made my payments as requested from then until now as agreed. I later received a letter in the mail that my credit limit was being reduced to {$1700.00} from {$3000.00}. My balance is @ {$1400.00} which now takes my bal/credit limit ratio from XXXX % to XXXX % credit used which has tremendously dropped my XXXX credit score. I contacted the credit limit management dept and requested a manager. I was contacted 4 days later with apologies from XXXX XXXX stating they had been very busy. XXXX XXXX listened and advised that she understood but nothing she could do. I then requested her manager. She advised she would forward my request. Once again, I waited and just received a call back after 3 days from XXXX. XXXX advised the same as above. I requested her manager. She did get her manager, XXXX id : XXXX in XXXX, on line. XXXX very abruptly stated that everything I had been told was correct and no changes would be made even after I advised him of the notes in XX/XX/XXXX and asked if he would research the call. He refused and said the call could not be pulled and again stated that it does not matter what I was told or what was noted he would not honor the agreement. He further refused to address the confirmation from XXXX updates and that no other negative reporting/entries exist. This is not only unfair and dishonest business practices but is also very disheartening given the massive loss as well as the effort put in to avoid this very stressful situation. Citibank/Home Depot has used a federally declared natural disaster to betray its already disenfranchised customers by allowing insensitive, inhumane, and egotistical people who lack compassion to run its business. I am deeply saddened and wish that I no longer had to do any business with this company.

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 02/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My property is being foreclosed on XX/XX/2016 without appropriate notification. Th representative does not know at nation star mortgage what happens at a foreclosure sale date was not able to provide sufficient answer the only I found out was by a foreclosure preventive attorney who sent me the notice of sale date attached. I have ill mother at home they sent XXXX field office officer who banged at the door so hard my mother was scared did not open the door they left a notice at the door stating mortgage holder will have the property winterized. This is harassment not a process. I declined the modification because the monthly payment was too much. The resolution I require is appropriate notification of sales date, if possible why cant the mortgage company work with current housing market value instead of a loan balance of XXXX the house is only worth XXXX please take this complaint to a escalated level I am harassed by nation star Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with COMMERCE BANK (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My payment was applied by the bank 5 days later than it was received. My mortgage is with the same bank as my checking account. The payments shows as cleared through my account on XXXX/XXXX/2016, however, they did not apply it until 5 days later on XXXX/XXXX/2016. I contacted them through their confidential web service emails, they intend to do nothing about it. This caused 5 extra days of interest to accrue.

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 CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Capital one bank lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX ( showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX four years later! There are no late payments or fees involved and clearly this is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I receive XXXX from Social Security for XXXX. SSA assigned me to the XXXX Wednesday of the month, making me late on my mortgage payment all but 2 months of the year. I have called the Social Security Administration and they refuse to change it. Nationstar, my mortgagor refuses to help me. I am fined {$22.00}. extra each month because the payment is late. After I pay my bills, I have {$140.00} leftover. I can not afford late payment fees because of SSA assigning me to a week of the month that makes me pay my bills late. All other creditors understand and do not charge a late fee. Just Nationstar.

Company response to consumer: Closed
Consumer complaint received 05/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX Equifax, and XXXX for almost XXXX years. I now know why there is a class action lawsuit filed against XXXX Equifax, and XXXX in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Previously disputed item from XXXX XXXX XXXX which has been deleted from equifax, XXXX and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: capital one is my favority bank i feel deceived no scripts in the response. but i asked on XXXX for 3 months to pay it without interest i am being given scripts.no no no refunds and while this bank has refunded the fees it has resulted in increased business from me as a result. now i am getting stonewalled so i am not using ctedit cards at all my 3 accounts. I am loyal i know you hvae been loyal but now i am being stonewalled. with scripts. i use the card due to loyalty. y advice get to know your customers better. i cant use my cards now. i am responsile i know interest is valid but after 12 years you cant help me but a new customer ok then i will go elsewhere. FINANCIAL industry get to know your customers better.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Violation of Fair Credit Reporting Act 623 ( a ) Responsibilities of furnishers of information to consumer reporting agencies/ ( a ) Duty of Furnishers of information to Provide Accurate information ( 1 ) Prohibition ( A ) Data furnishers are prohibited from reporting information with actual knowledge of errors  ... ... 

After checking my credit reports, I noticed a collection from XXXX XXXX. 

1. On XX/XX/XXXX, I sent XXXX XXXX two Debt validation letters ( attached ), certified mail ( return receipt attached ), pursuant to FDCPA 809 stating that i dispute their claims in their entirety. 

2. On XX/XX/XXXX, I received a letter from Convergent ( attached ) stating the debt and account were verified and they attached a bill from XXXX that had another person 's name on it. 

3. Therefore, on or about XX/XX/XXXX, I sent another letter ( attached ) to Convergent with my Drivers license, certified mail ( return receipt attached ) stating that the name on the bill was not mine and they were in violation of FCRA 623 ( a ).

4. On XX/XX/XXXX, I received another letter ( attached ) from XXXX XXXX. This time they sent a longer bill but the bill still had another person 's name on it. 

5. I disputed the information with XXXX, XXXX, and XXXX  ( certified mail ) and XXXX   and XXXX came back that the information was accurate and verified ( credit reports attached ).

Convergent is knowingly and by their own admission reporting false and inaccurate information to the credit reporting bureaus. The name on the bill is not my name.

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 05/30/2017 about Mortgage (Conventional home mortgage) with JET DIRECT FUNDING CORP. (NY).
Issue: Closing on a mortgage

Complaint: i have applied with mortgage broker, he send me the CD has Jet direct funding corp .     his origination charges are {$6100.00}. the loan officer took {$25.00} K check from me as down payment to my attorney. he chose the attorney and did not give me his info. i have never spoke to my attorney or know who he is.     loan  officer  is refusing to cancel my deal, i wanted to go to another bank and will not give my my {$25.00} K back.

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 02-05-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CMRE is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for a medical bill for my daughter XX/XX/XXXX. That was over 9 years ago. I had never heard from CMRE so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had Two morgage back started in XX/XX/XXXX, in year XX/XX/XXXX we had issue in employment lost and burgary in house as a result we filed the application with XXXX XXXX XXXX and received approval for six month payment hold however XXXX XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX  XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX  XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.

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 11/16/2016 about Debt collection (Medical) with Walwick, Inc (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Merchants Credit Association continues to report and attempt to collect a debt that was reporting incorrectly and resolve with a different collection company XXXX.

Company response to consumer: Closed
Consumer complaint received 02/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Complete Payment Recovery Services , Inc. is attempting to collect on a check for {$55.00} they claim was returned unpaid, but in fact was paid by our XXXX checking account. They continue to call even after we informed them that this check was paid.

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 05-10-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: The short sale package was submitted for review in a timely manner. SPS has continuously throughout the review process ask for documents that have already been submitted to be resubmitted again. Delaying process over and over. Most recent submitted of a hardship affidavit was submitted on XXXX/XXXX/16 at which time i was told file was in review for a decision. I called on XXXX/XXXX/16 to follow up on receipt of affidavit it was confirmed received and i called on XXXX XXXX, 2016, and was told file in review. I called again today on XXXX/XXXX/16 and was told that file was going to be escalated because it was not submitted in review on XXXX/XXXX/16 as it should have been. Now we are going to have to wait again for review without a specific time frame and are going to lose the buyer due to these inadequacies by short sale lender. Original short sale package was submitted on XXXX/XXXX/16. There should be a comprehensive review and specific as to what items are missing or need to be supplemented so they can be provided at once within a 30 day period. Instead every time i called they requested for an additional documents. Delaying process to the detriment of the seller and buyers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I missed 1 payment of about {$100.00} due to illness and I just forgot. I got my next monthly statement on XXXX/XXXX/XXXX stating that my payment was late and that my next due date was XXXX/XXXX/XXXX. But a few days later I began receiving calls at work 2 to 3 times a day for about 4 days. The. they called this past Saturday & Sunday too. This has been the only payment I 've been late on in about 5 years. I consider their actions harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Other debt) with STERLING JEWELERS, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I lost my job few months ago. A representative from Kays Jewelers called and offered me a hardship plan IF I paid a specific amount by a certain date. I explained I did not have the amount and was told they would send me information in the mail to help until I started working. Instead, they call me EVERYDAY, ALL DAY from different phone numbers. They have even called my old place of employment and a relative. It 's always someone on the other end eith zero sympathy and recently threatened to take legal action ( I have several conversations recorded ). I told the representative that called me multiple times a day ( upwards of 10 ) was harassment. They do not care! It 's not only embarrassing, but it is a situation that has caused my anxiety and stress levels to skyrocket because I do n't know what tactics they are going to use next.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All credit bureaus have removed an open account XXXX energy from my credit report without my permission which has resulted in a significant drop in my credit score and I believe it 's in retaliation to me contacting this office. I never mentioned XXXX energy in any disputes with any of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants Credit Bureau, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have already contacted MCB about this debt. My ex-wife is responsible for this debt as she was given our house and business in our divorce. I refuse to pay this.

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. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 I became aware that Equifax was hacked, and sensitive consumer account information was stolen. Upon learning this I went to www.equifaxsecurity2017.com to see if my account was impacted, and discovered that it was. I immediately called XXXX to place an initial 90-day fraud alert on my account. I then requested my annual free credit report to determine if there was any information that I should dispute. There was not, and I also took the opportunity to file the same fraud alert on that website in addition to filing the alert with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (AR).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I am a XXXX year old XXXX man, and I use a XXXX. I do not own a car, and can not drive. I 've been a victim of identity fraud by my younger brother. He made XXXX dollars worth of fraudulent charges on my debit card number. He never received any cash from an atm because he did n't need to. He used the XXXX  money transfer feature to have money sent from my debit card number, to his bank account. There are several other persons that he sent money to from my debit card to their bank account. I have sat down with the bank manager and identified all of the fraudulent charges from XX/XX/XXXX, to XX/XX/XXXX. I  pressed charges against my brother, and gave the case number to the bank to include with my disputed charges. Regions has denied to credit any of my money back despite having pressed charges against my brother. My brother made all of those fraudulent charges with my name and now it looks like I made the transactions and this is not the case. If the ip addresses can be examined from these erratic charges, they will see that the card was being used in two different places at the same time. Me being XXXX is important in this. I live in a seperate county than my brother, it 's about an hour and a half away. I ca n't drive and do n't own a car, so it 's impossible for me to drive to XXXX, Arkansas, use the debit card several times, and drive back to XXXX, Arkansas, use the debit card , drive to XXXX again, and use the card again, the drive back to XXXX where I live. Regions has denied my claim for these disputed charges. I needed all of this money back, for i 'm handicap and do n't have a job. My brother stole all of it from me. It took me too long to catch on but i 'm not very smart in these matters. My brother knew this about me and took advantage. I was advised to put in a complaint with CFPB. That the CFPB investigates matters just like mine, where it takes more than just glancing over the case, and takes more attention to the details. I need your help. I need this money back, or i 'm not going to be able to pay my rent in XX/XX/XXXX. Thank you, 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