milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: I am an Identity Theft Victim. My original FTC document was XXXX to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX 's {$4000.00}, XXXX {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX XXXX that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.

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 10-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: iN SHORT, THE ISSUE INVOLVES THE MORTGAGE WITH OUR BANK, CHASE. WE WERE GIVEN A LOAN MODIFICATION A FEW YEARS BACK, AND HAD BEEN MAKING THE PAYMENTS UNTIL XXXX OF XXXX. AT THAT POINT, WE BEGAN THE PROCES OF ANOTHER MODIFICATION AT THE BEHEST OF CHASE ECAUSE OF A CLASS ACTION SETTLEMENT. ALSO, THE PAYMENT WAS SET TO GO UP IN XXXX OF THIS YEAR AND NOW HAS, AND WILL AGAIN IN XXXX ( I THINK ) OF XXXX. WE COMPLIED WITH EVERY SINGLE REQUEST THAT CHASE MADE AND WERE DENIED. WE THEN RETAINED A COMPANY/PARALEGAL TO ASSIST US IN THE PROCESS AND WERE TOLD IT WAS DENIED AGAIN. WE ARE CURRENTLY UNDER BANKRUPTCY PROTECTION BUT THE ARREARS IS PART OF OUR PAYMENT PLAN AND WE WERE ABLE TO MAKE THE XXXX XXXX PAYMENT. HOWEVER, THE HOME IS STILL TECHNICALLY IN FORECLOSURE. WE THINK CHASE IS GIVING US THE " RUN AROUND '', IN TERMS OF REQUESTING THE SAME INFO OVER AND OVER AND THEY ALREADY HAVE A FOREGONE CONCLUSION OF DENIAL. ALL WE WANT IS A PAYMENT WE CAN AFFORD. THE LOAN WAS ORIGINALLY OBTAIN IN XXXX AND WE BELIEVE THOSE CIRCUMSTANCES WERE SOMEWHAT SPURIOUS AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: I have a car loan XXXX account # XXXX XXXX through Chrysler Capital. I 've noticed that every time I give a payment, they charge me a fee of {$2.00}. When I first financed my loan I was not given any information to me paying extra fees to pay my already financed vehicle. I 've taken the liberty to copy/paste the disclaimer I have to accept to if I want to make a payment online. 
" Chrysler Capital uses another company, XXXX, to provide money transfer payment services for its customers. If you choose to make a one-time payment using XXXX, you will be sent to a XXXX secure website. Chrysler Capital and XXXX will share your information to complete the transaction and process your payment. XXXX will charge you a money transfer fee in the amount of {$2.00}. XXXX is not involved in the collection of your account. A single payment may not be greater than {$2000.00}, plus the XXXX transfer fee. You may make multiple payments if necessary ''.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Prepaid card (Gift or merchant card) with INCOMM HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: I purchased a gift card for {$100.00}, on XX/XX/2015 and was lost. So I reported the lost gift card on XX/XX/2015 and to this date XXXX XXXX, 2015 have not received the replacement cad. 
Please see attached receipt and the numerous calls to the company @ XXXX which has not been productive in getting our money back with a replacement card. they answer the phone with " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I did a transfer of XXXX litecoins valued at approx {$250.00} each from XXXX to XXXX. The transfer process is noted in my account as pending. It usually only takes an hour. Its now 24 hours and still says pending. No one has responded to my emails asking for an update and why taking so long.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Medical) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have had two calls from your company regarding a XXXX co-pay from XXXX XXXX Hospital, which confirmed last year that my balance was XXXX. I requested your people to check back with XXXX XXXX ... because I do not owe the {$25.00} and they asked for my address. I do n't give out my address to inbound callers and do n't you have it? If these are legitimate debts you should!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work with CITI Mortgage for years to save my home. 
Everything they have requested of me I have done. 
I sent in all requested documents and found that the person assigned was no longer with the company. No one could find his files and I have had to start over, over and over. 
They sent me a summons and complaint I answered and their lawyer rejected and wrote in a marker over my submission to the Court on my behalf. 
I tried to talk with CITI and no one knows what is going on in my account.

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 10/18/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear Sir or Madam, I disputed XXXX XXXX in the month of XXXX 2016, for the amount of XXXX dollars, and after the due diligence of XXXX Credit Bureau ; it was removed on XXXX/XXXX/2016. 
XXXX had the same amount on my XXXX Credit report which was successfully removed on XXXX/XXXX/2016. 
Both accounts were for the same alleged medical bill. 
Today I noticed that XXXX XXXX, phone number ( XXXX ), reported an amount of XXXX dollars on my Equifax Credit report. This dropped my credit score by XXXX points. 
It is apparent that this is a shell game, I 'm not sure how legal this activity is. I would like this removed from my credit report immediately. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has contated me regarding a debt. They did not provide any information, but instead asked for my information to validate debt. Additionally, I have verified with the State of Florida Office of Financial Regulation said company is not licensed to collect debt in the State. Their license XXXX was revoked. I am asking that they have said unverified accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Prepaid card (ID prepaid card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Managing, opening, or closing account

Complaint: If I have a voided transaction ( Bluebird by AMEX ) and the merchant has already swiped my card, they will hold the funds for 8 days-even after the other merchant has processed the credit within 3 days. They wo n't even accept a receipt for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I was scammed by an individual who was offering me employment, and sent me what later turned out to be a fraudulent check for equipment purchasing. Equipment that I would be using for the job he offered me. I deposited the check in my Bank of America Checking Account at the counter. There was a hold placed on the check for 4 days. So I notified my " employer '' that I would n't be able to purchase the equipment until the check cleared. One day before the end of the hold, I attempted to login to my online banking through my phone. It said that online banking was n't available to me. So I called the help line provided, only to discover that my online banking had been closed by order of the risk department. I asked to be transferred over. After being transferred to the risk department I was asked to give my social, name, phone number, and passport number or my account number. Finally, they told me that all my accounts were in the process of being closed. They told me that the reason for this is that I had deposited a fraudulent check. I asked if there was aything I could do, and the only thing they said was that I could write a letter to some PO Box in Florida. So with no prior notification or communication of any of the issues plaguing my account, they decided to close it. I did not even merit an email saying that they would be closing my account. My issue is that I was n't even notified of any fraudulent activity nor was I notified that they were closing my account.

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 01/31/2018 about Debt collection (Other debt) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I owe a conns bill of XXXX plus I got behind on my payment due to trying to pay for college. I told them I will try to pay when I can and they insist on me giving them my credit card information. I told them no. I will pay when I can. I get calls from XXXX XXXX to XXXX XXXX every day even weekends. I have even ended up in the hospital from all the stress of the calls just non stop but they call from a lot of other numbers to many to add here, from all over the state. I know I owe this money, I am just not able at the time. At this point I stopped answering my phone and have a recording stating my number is on do not call reg. sinse XX/XX/2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with KEYCORP (ME).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I do paperless banking with key bank. I monitor my accounts, including my buusiness credit card balance online and on the key bank app. 
I received a call yesterday that there is a 53 days late payment with payment of {$100.00} due. The balance on my online banking is showing XXXX balance, which i conveyed to the bank representative calling and asked that They not charge me late fees and withdraw any derogatory report to credit bureau. 
I made a full payment of {$600.00} to close the matter, but I asked for refund of all late fees considering that that balance was not visitble to me and is still not. 
The customer service declined to do so and could not see or access the accounts in question to verify. 
While I am now closing the credit card with key bank, I feel that they are not doing enough to rectify a problem that they are responsible for and not willing to withdraw any report to credit buearau.

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

Complaint: Moved from XXXX XXXX, XXXX to XXXX, XXXX XX/XX/XXXX. Cancelled my XXXX ( internet ) # XXXX but for some reason the account was not cancelled as I requested and XXXX kept withdrawing from my auto payment from XX/XX/XXXX to XX/XX/XXXX. I started calling in XX/XX/XXXX to XX/XX/XXXX to complain. 
Nobody could help me until XXXX XXXX supervisor in XXXX transferred and credited the {$420.00} from the original XXXX account to my new XXXX acct # XXXX. 
Today, XX/XX/XXXX, I got a debt collection from Sunrise Credit through the US Mail stating that I owed them {$420.00} from old account. 
Talked to sunrise credit company and XXXX, even went to the store, but nobody seems to be able to help me. 
I called 13 times to XXXX, but still ... nobody seems to be able to handle my case. Their cust service agent created XXXX cases before, but nobody ever followed up and every time I have to repeat my story without any recourse of talking to talking to their manager / supervisor, because of their PROTOCOL. 
Last conversation with their billing dept, lady with ID XXXX, she has to create a new case # XXXX. 
Just FYI, I had been talking to Cust service dept, Retention Dept, Billing Dept in US or in XXXX but so far no luck.

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 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The problem originated from an automatic billing system from XXXX XXXX XXXX in XXXX, SC. I moved from the area in XXXX XXXX to the XXXX. 

On XXXX XXXX, XXXX I thought to cancel my account after receiving bill notices. I paid a Balance of {$69.00} to XXXX XXXX, which does billing for the health club. This included payment for two months past due and a {$19.00} service fee. 

A Cancellation Notice was sent to XXXX XXXX stating to cancel membership. This was done before their next billing cycle, but they conveniently for them made " an error '' and continued to bill me. 

It is now XXXX and after review of a Credit Report dated XXXX/XXXX/XXXX I became aware of an amount of {$99.00} being reported as Delinquent - In Collections by First Credit Services on behalf XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX have been made aware of the mistake which was no fault of my doing and First Credit Services was contacted which updated my account as removed and {$0.00} Balance. 

My complaint is with First Credit Services - XXXX XXXX XXXX, XXXX XXXX - XXXX, NJ XXXX. I have repeatedly tried to contact them to obtain documentation stating that the Account ( Reference # KB XXXX ) has been closed and that it has {$0.00} Balance, as well as tried in vain to get someone from their company to expedite the process of removing it from all Credit Bureaus, since it was a mistake made in their chain of command. 
I have been consistently transferred all over their phone system, hung up when I ask to speak with a Manager, I also believe that I have been lied to as to Names and Titles of their Associates. I have been told more than once that Supervisors will call me back, and it has yet to happen. I know the system recognizes my phone number and sometimes when I call it will send me directly to voicemail. I have audio recordings of every single call which depicts their unfair, shady, and deceptive practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: In XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XXXX XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage. 

The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments. 

After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus. 

I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX. Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: Today i
s XXXX XXXX, 2017. I 'm trying to get a mortgage and I 've been unable to lift the security freeze I have with Equifax over the phone or online because their systems keep crashing. I 've tried to get through to Equifax 15 times in the last 72 hours. Their phone line and website have crashed. I called last Thursday ( XX/XX/XXXX ), before I knew about the hack and someone from Equifax told me to mail all of my personal information to them, including my address, name, SS #, DOB, a
nd PIN code to unfreeze my account. But then I learned of the hack and I did n't feel comfortable sending all of this personal information to them through the mail. Everyone knows they 've been hacked and it would be too easy to intercept a letter addressed to " Equifax '' that has all the information they 'll ever need to steal my identity.
I should n't have to mail all of the information to Equifax that I have been protecting by placing the security freeze in the first place. Now I 'm at risk of losing the home I 'm in contract for because I ca n't access my credit information. This is a DISASTER.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Closing/Cancelling account

Complaint: XXXX closed my credit card account with no explanation as to why. They claimed it was due to past behavior, but they will not reveal the source of this alleged information. I seek to know where this information came from. I also seek to have my {$25.00} returned to me, as they made me close my IRA account and transfer the funds to another broker. If I did n't do that, they would have closed the account, and withheld XXXX % due to tax law - instead of just leaving it in there. 

They want to close the accounts - fine - but they should not charge me money for doing so. Also, I want to know the source of the negative information about my " past bad behavior ''. This source could be in error - but they wo n't tell me what it is or where they got it. I expected better from the CFPB in bringing this information to light.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (ME).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: PINNACLE CREDIT SERVICES, This collection company contacted me and reported to the credit reporting agencies without a collection License in the State of XXXX?? I Got on the state of XXXX web siteand they were not licensed in XXXX. Therefor I contacted the state of XXXX. I want all collections from this company removed off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Credit determination

Complaint: The company is incorrectly reporting me up to 120 ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. American Express sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to American Express ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to American Express ' Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was just hired on to a job. My employer was doing my background check when they informed me there was a different name tied to my social security number! I went to the annual credit report website to obtain my reports but the website would NOT let me view them due to 'discrepencies ' with my social security number! I need a copy of my report so that I can view it and file a police 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 non-monetary relief