milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent several certified letters to EXPERIAN advising that the bankruptcy that's showing on my public record is invalid and needs to be removed. An investigation was done and it came back verified. I then contacted the clerk of courts to ask them how do they verify information, especially incorrect, to EXPERIAN. I was advised that they ( XXXX XXXX XXXX ) do not verify information to credit bureaus. With this information, EXPERIAN still has not removed the bankruptcy.

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 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Requested from the credit agencies to verify the validity of the below account currently reporting as a collection. I have contacted the company directly by mail and by phone and was told they will not provide any other proof. The requested help again from the agencies I'm disputing their practices with and they will not allow another dispute stating they verified it and yet I never received any correspondence. 

I attempted to contact the company directly again and was told they will not accept any payments or anything on the debt. I tried so they would remove from my report I offered to pay to delete and was told it was not their problem. I explained under the Fair credit reporting act and the FTC their reporting is not being handled correctly or morally. I was hung up on and do not receive any validation on this debt. 
I am requiring the agencies reporting to remove this account from my reports and to process with regulations on how to fairly report. 

Account to remove XXXX XXXX XXXX Account Number XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$380.00} Credit Limit {$300.00}

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 04/27/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Rewards

Complaint: I have XXXX credit cards with USAA Bank in XXXX XXXX. They are all Cash Back Cards but they do not tell you on your statements how much you have earned. In addition I asked to receive the cash and they try to get me to get gift cards, etc instead of the cash they owe me. They can not tell me, by card, how much cash I have earned and they try to make you jump through hoops instead of giving you the cash they owe you. I have been trying to get my cash back since XX/XX/XXXX and have been unsuccessful. The credit card dept. says the " rewards dept. '' handles that and the " rewards dept '' says the credit card dept handles that. 4 month and NO CASH. THIS IS JUST PLAIN FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: In XX/XX/2017 I responded to an internet advertisement from Chase Credit Card company for a credit card ( Mileage Plus Explorer ) that would award XXXX miles to my XXXX Miles program if I would spent {$1000.00} in three months since account opening. I applied for the card electronically and I was qualified immediately ( I have other credit card accounts with Chase with excellent credit ratings ). Next day I saw a similar ad for the same card that offered a XXXX mile award to my XXXX account if I were to spend {$3000.00} in three months. I called Chase and talked to a customer service representative by the name XXXX and requested whether I could qualify for the higher award. XXXX indicated to me that if I were to spend the {$3000.00} in three months following account opening I would be awarded the XXXX miles. I went ahead and met the requirement by spending {$3000.00} in the indicated three month period, but when I checked my account I was awarded only XXXX miles. I called Chase again and talked to another customer representative by the name XXXX, and explained to her the promise made by the previous agent, XXXX, regarding the XXXX mile award. XXXX said that XXXX was wrong and she should not have promised me the higher award. However, XXXX indicated that there were some other programs that she would try and see whether she could satisfy my request for the higher award. After about two weeks I received a letter from Chase requesting that I forward to them an offer code that presumably Chase had sent to me through my account website. I had never received such a code. So, I called Chase again and talked to another customer representative, XXXX, who explained to me that such a code was not sent to me and that the only way to get the higher award is through a specific invitation sent to me from their marketing department. However, he did not indicate whether Chase was willing to do this in my case. Thus first, Chase through their customer service representative misrepresented their credit card program second, they have admitted such misrepresentation as an error and third, they do not seem to be willing to offer any rectification in an effort to mitigate their agent 's error. If such misrepresentation was not made, I could have spend the {$3000.00} on another credit card and received cash rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was subject to a major breach that included 143 million American 's PII. According to their system, I was one of the individuals affected. I am now a strong target for identity theft as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer is saying they wo n't accept my payment. I 'm behind but am now able to make two full monthly payments and they are saying the ca n't accept payment unless I make 4 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Trouble during payment process

Complaint: XXXX ,  XXXX ,  XXXX   XXXX  cwen Loan Servicing has charged me 13 m ortgage payments per year over the past 3 years. They have explained that my escrow payments have not been sufficient and that each year in order to prevent my monthly fixed rate mortgage payment from increasing, I must make an additional Escrow Payment. Over the past 3 years I have made a full additional mortgage payment. This year I did n't quite make the additional payment in full so they increased my monthly mortgage bill as of  XXXX , 3 months later and with the additional escrow payment and my mortgage payments ... my escrow still reflects low balance. With hopes of remedying this very serious issue, I called the compan y. Ocwen has bounced my call around to different departments, each department saying that the shortage and or requirement of more money could be coming from another department ... ..it is a three ring circus trying to get answers from Ocwen as to why I am making 13  payments yearly to keep my monthly fixed rate payment in tact.    XXXX   XXXX ,  XXXX  I paid mortgage payment,  XXXX   XXXX ,  XXXX  I over night expressed Escrow Payment {$810.00},  XXXX   XXXX ,  XXXX   Ocwen sent letter   stating that I needed to pay an additional {$700.00} to the ecrow to prevent a rise in my monthly bill

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I had my home with XXXX MORTGAGE, I asked for a loan modification and was denied several times. Then they sold my loan to Green Planet. I asked for a loan modification, and they denied me for no legal reason. When I inquired about it they sold it to Planet lending. I asked for a loan modification from Planet Lending and they denied me a modification as well. My home is a M E R S account. THE FORECLOSURE PAPERS THEY TRIED TO FILE SAYS MERS AGAINST ME. M E R S HAVE NO LEGAL GROUND TO FORECLOSE BECAUSE THEY ARE NOT THE OWNER. Now Planet Lending filed a foreclosure. I am fed up with the wrong that was done to my family and myself. I am asking for help for the injustice. I asked for the recording of the sale and original contract and no one could send me anything

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Fraud or scam

Complaint: XXXX/XXXX/2017 {$410.00} XXXX/XXXX/2017 {$51.00} There was a company on XXXX selling items, they had you send it via friends and family through paypal, which at the time I did not know means that there is no buyer protection. I contacted the person several times on their XXXX page @ XXXX and also through the email address that the have on file with paypal, XXXX for 2 weeks the person stated that 4 boxes were sent out, and nothing to date XXXX/XXXX/2017 has arrived, now mind you their in NY and I am in NJ, when I began to get made and question him I was blocked from their XXXX page, I call paypal and they tell me do a charge back with my bank, and then tell me they have gotten other complaints. When you do some digging, there are several fraud accounts on XXXX that all start out with XXXX and they are scamming, fraudding, and hurting people.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX has reported XXXX late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with equifax and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the XXXX late payment entry that are reporting incorrectly removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX applied a late payment to my credit in XX/XX/XXXX. It is now XX/XX/XXXX and the late payment was supposed to be removed. That was the ONLY late payment on this account. The card is still active & in good standing but they wo n't remove the late payment.

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 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Celentano, Stadtmauer & Walentowicz, LLP (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hi I was billed around XXXX XXXX for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was XXXX XXXX in NJ, XXXX . This was on XXXX 2015, I agreed onto a payment plan, then it was given to collection agency. The agency sued me and caused major dip into my credit history. I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country. Please let me know how you can help me and I want to pay this amount. Please help me to restore my credit rating. All my mortgages, credit card payments, bill payments are in time. In last 7 years I have never faced such issue, please check my credit history. The Collection agency is Celentano, Stadtmauer and Walentowicz, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had an account with the company and recently just missed a payment. They have called me on my cell phone while I was at work every hour and a half since the day first began. There has to be a limit to the amount of times they can call you in one day especially on a account that is n't even 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with NAVY FEDERAL CREDIT UNION (VA).
Issue: Other

Complaint: I am joint on a credit card with my sister. My sister has charged it to the limit XXXX twice. She and her husband paid it off in XXXX 2015. At that time I was to be removed from the account after 30 day to ensure it would be reported correctly on my credit report. However, when I called to make sure I was removed, they said the account had been closed, but they would have to reopen it to ensure proper in reporting, so I said in thirty days I would be removed. So they never removed my name because they say my sister does not qualify on her own and just opened it with me still on it. Now she has run it up again, and has not made a payment in 4 months. This is negatively affecting my credit because the balance of {$10000.00} is a XXXX of my income she makes almost {$XXXX} a year. I have been on the phone with the credit card company 2 hours at a time on two different occasions and they refuse to remove my name from this credit card I do not recall authorizing I did not authorize them from the beginning. I do n't know this. I do n't want this burden of this that reflected on my credit report and negatively being reflected on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Checking account) with BB&T CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: I was trying to close my BB & T checking account but was unable to do so because there was no way to contact customer service. All phone numbers led to an automated system where I can not talk to someone to close 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 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: Equifax irresponsibly stored and lost my personal information such as my SSN, name, address, etc. Equifax lacked any substantial or modern security within their systems and stored data in an insecure location. My personal information will now circulate throughout sources on the internet for the rest of my life. Equifax has not provided me suitable protection for such a data leak, with only a single year of free fraud alert services. Data like a SSN can never be changed, making a single year of protection almost completely useless. Comprehensive fraud alert services cost at least {$20.00} a month. Going forward, I would have to invest tens of thousands of dollars for simple basic alert protection over the course of my life due to this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV. XXXX TRANSWORLD SYSTEMS INC XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information which has been sent to collections on my credit report. After extensive examination of my medical records, Ive discovered that the below balances were never billed to my insurance company, XXXX XXXX XXXX XXXX. listed below are the accounts in question. 

Please verify for each of these accounts, what I am being billed for, and an itemized copy of the services I am being billed for. Please also confirm that these services were not billed to my insurance company, and please confirm that I am not liable for these balances since my insurance company was not billed in time to get these account balances settled. A copy of this letter has been sent to XXXX, XXXX, and XXXX as well. These accounts were removed from my XXXX and XXXX reports already, but they remain on my XXXX   report. I have verified numerous times that my insurance company was never billed for these alleged services. Please advise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} {$66.00} Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Debt collection (Medical) with GLA Collection Company, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There are XXXX accounts reported on my credit reports from GLA Collection, one from XXXX and the other XXXX. XXXX showing " Open '' but with {$0.00} balances. The one from XXXX has been PAID but still showing " open '' The second, I do not recognize the account number nor do I owe them anything associated with this account number. I do not know why the one from XXXX is even on my credit report and showing " open '' with a {$0.00} balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is against several institutions ... I had the bad Countrywide XXXX XXXX & HELOC home loans that were at the center of the financial crisis. I was wiped out in XX/XX/XXXX & fought to hold onto my home with countless refinancing attempts .The servicing was taken over by B of A. I was able to modify my XXXX mortgage but not my HELOC which went into foreclosure XX/XX/XXXX. I worked tirelessly to get a payment I could afford with no assistance and had to file Bankruptcy to stop the foreclosure. I ended up having to sell my home which closed escrow XXXX XXXX ... but the nightmare continued. B of A held the payoff funds ( over XXXX ) for 6 weeks for some reason, during that time they sold the loan to XXXX who kept trying to collect mortgage payments from me saying I was behind and they were going to begin foreclosure again, the funds went missing, B of A wired the funds to XXXX with the incorrect account #, XXXX sent it back to B of A, B of A sent it to the title company, who sent it back to B of A, who sent it back to XXXX who wanted more than the payoff amount. This went on for 2 months without anyone taking responsibility for it. It was an absolute disaster. I finally found a department at B of A who would complete the transaction. No one even apologized for the incompetence. I 'm sure my experience with these big banks in not unique but I felt powerless against this system. They held my life ransom for years and I want retribution. In XX/XX/XXXX I joined a XXXX lawsuit XXXX vs B of A which is still and active suit & paid over XXXX to a firm XXXX XXXX in California who has just been shut down as fraudulent and now all of the plaintiffs are without an attorney to protect us. It feels as if the consumer just continually left holding the bag ... We have no power or rights. It 's been devastating.

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 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I had called Citibank to cancel the Payment Safeguard feature which was added onto my account without consent. I'm getting charged a lot of money each month to have this feature that I do not need. There was a refund nationwide/worldwide for {$700.00} XXXX that I received no part of. I'm very disappointed that I've been paying for this feature for over 8 years now without any consent of mine whatsoever. I feel like I should be compensated for this malpractice.

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