milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: on or about XXXX/XXXX/2016 i noticed XXXX charges for items that i did not charge to my Citi Bank credit card. after doing some research the company gosq.com looked like a realestate company but the goods that i supposedly purchased were Phone or audio equipment. I contacted Citi Bank to dispute the charges that i did not make. Citi bank removed these charges pending a investigation and contacted me by secure mail stating the merchant had 60 days to reply. The Merchant sent back a letter stating that my Credit card information was entered manually. i at no time ever made any purchases from any Company or organization named or known by gosq.com. at no time have i entered my information manually into a square card reader. Around XXXX/XXXX/2016 i received a letter in the mail from XXXX and in this letter they stated that their servers containing client payment information had been compromised on XXXX occasions. The letter goes on further to say that this information contained names, addresses, credit/debit card numbers, security numbers and mailing addresses. I faxed this letter to Citi Bank fraud department. Recently the Charges were added back to my Citi Bank Credit card and Citi bank says that the investigation is still going forward. I sent Citi bank back a notarized letter stating that at no time did i authorize these XXXX purchases {$190.00} and {$98.00}. at no time did i give anyone my Credit card to use to make these purchases nor have i ever met or no anyone from a company named or going by XXXX. i asked Citi bank to issue me a new card as my numbers and information had been compromised and i have called several times trying to obtain information as to why these XXXX fraudulent charges have been added back to my 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 monetary relief
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I had a collection with RPM ( Receivables Performance Management ) agency. on XXXX XXXX XXXX I paid off me monthly payment and got the conformation email from them, but still in XXXX it is in my credit report, I tried to call them and find out about the issue, but all the time when they ask my firs and last name the hang up the phone. I called the XXXX the company that sent my bill to the collection agency, they said I am good in their system and I have to talk to the collection agency. I am not able to talk to them and solve my problem and my credit is awful. I can not even rent an apartment because of that. would you please advice. 
best regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX XXXX University XXXX XXXX. This debt has been completely paid not charged off. This was a school debt, I made payments and pay this debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit card () with JPMORGAN CHASE & CO. (AP).
Issue: Other

Complaint: On XXXX/XXXX/XXXX, I made an online payment to the wrong credit card company. Instead of sending the payment to my personal credit card account at Chase Bank, I made payment to an old account at JP Morgan Chase Commercial that had not been deleted from my banking profile. The JP Morgan Chase Commercial account has not been used in over two years and was reportedly closed upon my resignation from the Federal Bureau of Investigation on XXXX XXXX, XXXX. I contacted JP Morgan Chase and was told they could send a refund check to the address on file, which is my former employer. My former employer does not have my forwarding address, since I have relocated since resigning from the agency, and has failed to provide any assistance with resolving this issue. JP Morgan Chase referred me to XXXX individuals within the FBI that handle government travel cards and I have not received a response from either, although multiple messages have been left. I have contacted an employee at the FBI XXXX Field Office, who has been able to verify my account was closed and that the account now has a credit to the account in the amount of my erroneous payment. She has attempted to contact FBI Headquarters to resolve the issue, but has not received a response from anyone who can assist.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: During the transition of my mortgage service being sold from XXXX to Roundpoint final and first payments between the companies where not reconciled properly. My new mortgage servicer Roundpoint is stating that I am one month behind. After numerous calls they consistently fail to get this resolved. Now I am pass the grace period and am incurring late fees when I have never missed a payment since I bought the house in XX/XX/XXXX. My new servicing date for Roundpoint was effective XXXX XXXX, XXXX. I had already sent my mortgage payment to XXXX for XX/XX/XXXX. I made my first payment to Roundpoint on XXXX XXXX, XXXX and have n't missed a payment since. I have called numerous times to get it straight and they have told me its under investigation. Not XXXX person in their customer service department has helped me. This is very frustrating.

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 03-02-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was contacted today by " XXXX '' from Portfolio Recovery Associates. " XXXX '' failed to provide a last name ; which is illegal. Without proper verification ( there was no request for personally identifying information other than the fact I verified my name ) I was advised that I had an outstanding balance on an XXXX XXXX credit card and was requested to settle the balance in full or establish payment arrangements. 

I politely requested that the company no longer contact me at this number, at it is a work number and also advised that I wished for the company to cease and desist. " XXXX '' advised me that I would need to put the request in writing, which is understandable, as this is per the FDCPA. However, when I requested an e-mail address, XXXX advised me that the company would not accept my cease and desist request in this manner, as it had to be in " writing ''. 

After all of this, XXXX provided me with a previous address which I had lived and requested that I update this address. I advised XXXX that I would not update my address and I would contact them when I wanted to resolve the debt. 

XXXX advised me that the debt would remain in collections and that they would continue following up with me until it was resolved ; despite my request for them to cease calls to my number and to cease and desist completely. 

There were several violations of the FDCPA here. More than I care to waste time going into.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I am trying to dispute this charge with XXXX. The account had my name on it, but I had no access to it. My mother used this account and I do n't feel it should be on my credit report because I never used the account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have experienced so many problems dealing with Great Lakes XXXX. I lost my job in XXXX, 2016. I informed Great Lakes regarding my situation, and I have requested a forbearance for a year, and I was approved. Fast forward to XXXX, 2016. I landed a job in XXXX, 2016. But, I was making much less. I informed Great Lakes, and said that I could start making payments. I completed my Income Based Repayment form, took a picture, submitted documents using the Great Lakes app. I have n't heard from them, I called them the first week of XXXX, 2016 ; no one processed my application. I submitted my offer letter along with the application, uploaded to the Forms section of Great Lakes website. I called back, and was told that they could n't accept my offer letter, they needed my paystub. I submitted that. When I called again, they decided to process my paperwork. Then, I filed a complaint with Great Lakes. They failed to reached out to me. They told me that I would pay {$76.00} at the end of XXXX, 2016. I paid the {$5.00} that they requested on XXXX XXXX, 2016. They lied and told me that they would deliver my pay schedule to me. Here it is almost two weeks later, and I contacted them today, ( Monday, XXXX XXXX, 2016 ), they said that they have n't processed my request, and I have to pay {$200.00}. Why must I do that, when I requested a forbearance. I told them that I was done with them and their running around. I informed them that I will contact Department of Education, my Congressperson, XXXX, and the Consumer Financial Protection Bureau.I have all of my emails from Great Lakes, and my response to them to provide to you as backup upon your request. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: I called American Express so that I would be able to realize a question that I had. I had previously called and I did n't have any problems and all of the representatives were lovely and understanding. I called again because I had previously called and spoken to a supervisor who had given me some bonus miles in my gold delta card and he told me to call back today and ask for a rep so that I could get my intro offer expedited. I first spoke to a great rep that was understanding or my situation. He later transferred me to a horrid customer service supervisor that had no customer service skills at all. She started off by saying hello, but in a very dry way and she did n't seem to concerned about me or my problems. She almost right away instead of saying anything else said " I will be taking back all of the miles given to you ''. I did n't do anything wrong and I 've been with Amex for over 22 years and she made me consider cancelling all of my cards. I never lost my cool and she was still being very rude to me and dry and cutting me off even after I explained my problem and what was happening. In the end I was almost in tears because she did n't understand anything I said even though I had repeated myself many times. She did n't even say that she was sorry due to the circumstances and when the call was done all she said was " I will be talking the miles back ok '' even though I was still trying to convince her otherwise and trying to explain my situation and what she was doing to me. She then hung up and did n't even with me a good day or anything of the sort. The customer service supervisor 's name was XXXX. I am trying to send me son to New York for a XXXX in the summer and the tuition was over {$3000.00} and I also had to buy the ticket. The previous rep supervisor had given me extra miles to help me out and I had completed to pay my flight with miles and my son thought that he was surely going and everything was set, and so did I! I am now stressing over what I will need to do in order to be able to send him since he really wants to go.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion has re-inserted a collection from XXXX that was deleted months ago. XXXX Debt is now the handler of it This debt was deleted 2x last year already.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX   XXXX   continues to report account as being delinquent. Credit report shows last payment was  XXXX  2017. This inaccurate. Submitted banking statement and checks to dispute delinquency. Lenders have denied application for refinancing and/or personal loan due to reported delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Consumer Loan (Vehicle lease) with CCB Credit Serivces, Inc (CA).
Issue: Shopping for a loan or lease

Complaint: went to trade in XXXX. Contacted XXXX for lease pay off. XXXX gave us the information, paid it off. a few days After that occurred, XXXX sent us a notice and said it was considered a repo because it was an early payoff. XXXX said they were n't obligated to tell us that at the time we traded in the car. Tried to get the XXXX back they would not return the car to us. Had XXXX given us the information in the first place we would have never traded the car in. We did everything right the way XXXX and XXXX told us. XXXX nor XXXX alerted us to this issue. Now they want another XXXX for early lease, and other penalities.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: This firm represents XXXX XXXX in his modification. In XX/XX/XXXX Wells Fargo told XXXX XXXX that if he stopped making the payment they would modify his loan. XXXX XXXX comjplied and stopped making payments and in XX/XX/XXXX was approved for a HAMP Trial Modification. XXXX XXXX timely made his 3 trial payments in the amount of {$1500.00}. Then XX/XX/XXXX he was told by Wells Fargo that he would be receiving his permanent package XX/XX/XXXX. When he did not receive his permanent modification package, XXXX XXXX contacted Wells Fargo on three separate occasions and was told that they had no record of a modification. Soon after that they proceeded with his foreclosure case at which time XXXX XXXX retained our firm. 

XXXX XXXX reapplied for a modification at least XXXX times over the next years. He was denied a modification because he did not qualify for an in-house modification and Wells Fargo would not review him for HAMP because they stated he already had a HAMP modification in the past. This is incorrect because Wells Fargo never sent him the permanent HAMP modification package in XX/XX/XXXX. 

Finally in XXXX XXXX, XXXX XXXX was able to obtain a HAMP modification. He made three trial payments in the amount of XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to Wells Fargo. He accepted his permanent modification in XXXX XXXX for payments in the amount of {$1700.00}. He continued making the {$1700.00} payments for XX/XX/XXXX and XX/XX/XXXX. Approximately 2 weeks ago, XXXX XXXX received his XXXX XXXX statement informing him that the payments have been increased to {$1700.00}. Last week he received another statement stating that his XXXX XXXX payment and the next 59 payments would increase to {$2100.00}. XXXX XXXX can not afford this increase and the increase does not comply with HAMP guidelines. Please help. 

On another issue, XXXX XXXX received settlement checks from his insurance company to repair the roof. He sent the first check in excess of {$4600.00} to Wells Fargo and they told him that they would not give it back to him to fix the roof. The check was cashed by Wells Fargo. XXXX XXXX has an additional check to repair the roof in the amount of {$15000.00} but this check is also made out to XXXX XXXX and Wells Fargo. XXXX XXXX is afraid to send Wells Fargo the check as Wells Fargo has not sent him any money from the first check. XXXX XXXX needs his roof repaired desperately. We need some type of guarantee that Wells Fargo will release all the funds to XXXX XXXX in order to fix the roof. If the roof is not repaired his homeowner 's insurance will increase to over {$5000.00} per year. It will double until the roof is replaced. Please help.

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 03/29/2016 about Payday loan () with Risecredit, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: I signed an on line contract for a XXXX loan ( I live in the State of Illinois ) the loan is for XXXX payments in the amount of XXXX XXXXXXXX98.4 % interest rate. 
The loan started in XXXX XXXX XXXX and I have made 7 payments, sometimes paying before the due date and extra. The company has taken all of the payments except for approx. XXXX and has applied it to interest. 
I was not aware that this was illegal in Illinois and that the max pay day loan is for 6 mos. 
I tried to speak with them to change my contract per IL law and they refused. My last loan payment is due in XXXX XXXX please help me to void this illegal contract

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived at either one of these addresses and would like them removed from all credit reports XXXX XXXX XXXX XXXX, TX XXXX And XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Experian will not allow Dispute of Incorrect Payment History for XXXX XXXX XXXX XXXX.This Debt was discharged in Chapter XXXX XX/XX/XXXX and is reporting as a Charge Off XX/XX/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 01/24/2018 about Debt collection (Other debt) with AFNI INC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In early XXXX I was in the process if buying a home when my lender noticed that there was a past due bill on my credit report. I was very confused when he told me it was with XXXX XXXX XXXX since I had not done any business with XXXX XXXX XXXX. I was n't sure what to do since I did not know how to deal with Identity Theft. Finally in XXXX I found a credit counselor who guided me through the process of having this erroneous and fraudulent information removed from my credit report. At that time a company by the name of XXXX XXXX held the account and so I filed my paperwork through the credit bureaus to have it removed and it was removed in XXXX XXXX. Sometime after this date the debt was sold to another collection agency Afni, Inc. I have no idea why a company like XXXX XXXX XXXX or XXXX  XXXX or the Credit Bureaus would continue to allow a debt to be passed around that is fraudulent in nature and cause a consumer such trouble. I am now paying a higher interest rate for a mortgage. I want this issue resolved once and for all and do not want to continue having to file paperwork with whatever agency decides to try to collect this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: The name of the bank is suppose to be XXXX XXXX XXXX XXXX instead on my XXXX credit report it lists at manufactures and trades. There is no contact information for this creditor on my XXXX credit report.

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 09/25/2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have attempted over a year to have information on my Equifax Credit Bureau and everytime I dispute they say it is a factual record and belongs to me. I have submitted police report Identity Theft information and still they wo n't remove it. It has been removed from the other XXXX credit reporting agencies, but Equifax refuses. When i ask ow the investigated was determined or show me the documentation they have that this belongs me they can not. The information of the credit cards XXXX is not even my address it is out of state address.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America is forclosing on our home however XXXX is the company that we were working with on a loan modification. Once we questioned them as to how this could happen they sold our mortgage to selene. XXXX has refused to work with us and has added {$80000.00} in fees to our loan. Now saying that we do n't make enough to keep the house. How can they 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 explanation