milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (MI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Charge off of account occurred following and in relation to Bankruptcy filed XX/XX/XXXX and granted XX/XX/XXXX. 

Account is closed ; however monthly reports are still being submitted as new information. On a monthly basis, the same charge off appears as a " New Civil Action '' on XXXX  report when nothing has happened on account since XX/XX/XXXX. 

Notes on XXXX report indicates a high balance of over {$1700.00} for current month when account is closed and no money is owed. Elsewhere the report shows a balance of XXXX  ; however, the report of a current high balance suggests that the account is open when it is not. 

I contacted company in late XX/XX/XXXX asking for resolution of the issue yet monthly reports of incorrect information are still occurring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Credit card protection / Debt protection

Complaint: I had a open account on my credit report for " Citi CBNA '' and it says it is still open and the credit limit is {$2000.00} and in good standing but I do not ever remember applying for this credit line!

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
Consumer complaint received 12-06-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (OH).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I currently work at a XXXX XXXX than the one I bank at. I have decided to change everything over to this new account and change everything out. I thought I had everything coming out of my new account, but three of the people pulled it out of the old account. I did n't want to close out the old account incase something were to come through I wanted to make sure things were taken care of. Only XX/17 a withdrawl of XXXX came out from the XXXX XXXX that was not suppose to. I figured I would take care of that and the overdraft asap. When I checked the account I was noticed a few fees on the account. When I called the XXXX, OH branch of PNC I was told that they charge XXXX dollars for one day, XXXX for two and XXXX for 3 up to 14 days. He informed me that I was almost at the 14 days when this took place. This has resulted in XXXX dollars worth of fees. I was told that they would see when they could do so that I could close out the account, but that I would just have to check the account. I have since has 2 more things come through, both of which were suppose to come out of my new account that has given me yet another overdraft fee. I am okay to pay the things that have come out and take care of what I need to, but it is my understanding that it is against CFPB regulations to charge an already overdrawn customer fees per day for being overdrawn. I would relly like to get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After checking my credit report, There is a XXXX card balance. I gave them my social security information and nothing is pulling up. Where are t\trying to close on a house, and this is really affecting my eligibility for my VA loan .

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 04/16/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was asked severeal security questions, none of which I recognized. I also noticed inquires from places I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling me at work and I have asked on 3 different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (Conventional home mortgage) with CIT BANK, NATIONAL ASSOCIATION (MA).
Issue: Struggling to pay mortgage

Complaint: I took out a construction loan that transferred to a 30 year fixed mortgage with XXXX bank in XXXX. I then had to take out a second mortgage with them to complete the house I was building. My XXXX mortgages combined at XXXX. I made XXXX and my wife at the time made XXXX a year. That loan to income ratio is horrible and I was XXXX XXXX XXXX and did n't know better. 

I built the house, converted the construction loan to a fixed mortgage, and had a real estate evaluation done. It came in at XXXX. All looked good. 

Then the market crashed and my wife left. I used all my retirement to pay XXXX. I rented out the house to pay XXXX. I went broke to pay XXXX. 

I received an offer on the house just a few thousand less than the loan debt. I asked for a short sale. No response. 

Then, they held an auction, and bought the house from themselves (??? ) and never told me anything. I had to declare bankruptcy. I ca n't get anyone ever to answer any of my questions for more than ten years now! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX  does not investigate discrepencies in my report.   the errors that I have requested be investgated fail to looked at.     additionally there is  XXXX -  XXXX   point difference in  FICO  score compared to   XXXX   and Experian.   when I call the  XXXX  number they hang up on me.   additionally they have advised me that I must pay to get an updated  fico  score and report update.     Experian continues not give me one update they dropped my fico score  XXXX  point for no reason!

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 04/19/2016 about Debt collection (I do not know) with Nationwide Debt Management Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sometime in 2015 a company representing itself as Nationwide Debt Management Solutions began leaving messages on our home phone saying we needed to contact them about an unpaid debt. Suspecting it was a scam, we ignored it. Now they 're leaving messages on the cellphones of my XXXX sons, compounding the harassment. I have refused to call them to discuss anything because if my wife and I owed an unpaid debt, I 'm sure we would have heard about it from the creditor, which we have not. 
I would like to know if this operation is a legitimate debt collection agency, or if it 's a hustle preying on weak and uninformed citizens. 
The call-back number they leave is 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 08-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I filed Bankruptcy several years ago but my attorney mistakenly did not reaffirm the mortgage on my home. I paid it perfectly for the last 5 years but they said they can not report it to the credit bureaus because it was not reaffirmed. I was OK with that and let it go but the bankruptcy was discharged 5 years ago and now the loan in question was paid off in XXXX of this year. They are still saying they will not report it even though it is no longer on the books. I have 5 years of great credit history on this loan and I want it reported to the credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I previously requested Suntrust to establish overdraft protection on my account when I received an overdraft fee in XX/XX/XXXX. They advised that it would be established. In XX/XX/XXXX I requested then received another overdraft fee of {$36.00} and they advised that the overdraft protection was not established as advised by the previous representative and they would confirm it corrected and waive the fee, the conversation occurred on XX/XX/XXXX. XX/XX/XXXX a transaction went through and there was n't enough funds to correct the transaction I was charged the fee and requested the fee to be waive and was advised that due to the fee they fixed in XX/XX/XXXX they were not able to adjust an additional fees on the account. Escalated to a supervisor who was unwilling to help or support on XX/XX/XXXX Requested to escalate further and she declined.

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 04-10-2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I signed an agreement to payoff my Citi student loans over 15 years when I started repaying my student loans. During that time, Citi student loan was servicing XXXX of my loans, # XXXX & XXXX. My total monthly payment until XXXX 2015 was XXXX ( # XXXX = XXXX and # XXXX = XXXX ). In XXXX, I paid off loan XXXX. Citi then sent me an XXXX statement showing that I owed XXXX for loan # XXXX. In XXXX, I called servicing and asked why my payment for XXXX had increased. They initially told me it was due to a mistake on their end which meant that at the current rate I would not be able to payoff my loan by the deadline. I disagreed with that person ' response because their math was incorrect. They said that the reason was due to their policy of not permitting of less than XXXX/month. I stated that provision was not in my agreement, so they were changing my contract. By the end of the call, a manager said they would fix my payment back to the XXXX amount as long as I would make XXXX payment in XXXX for XXXX. I agreed to do that and did it. On XXXX/XXXX/15 I get a call from Citi servicing stating that they can not change my payment to XXXX due to policy and my payment would be XXXX. I asked the lady to please review my repayment agreement for that provision, and I was told that she did not have a copy of this agreement. I am complaining about this change in payment amount. If this was mortgage servicing, the servicer would be getting in trouble for improper billing. Student loan servicing should be held to the same standard. Also, Citi has not sent me an explanation of why payment has changed, the breakdown of the repayment plan I am on with this new payment, or the time period it will take to repay my loan off based on this new payment. Surely this can not be the way a borrower should be treated in this manner. My loans are in good standing ; I am rarely late on payments ; if I am late, it is due to simply forgetting ; I have no outstanding late fees ; and I 've paid off a lot of my loans that I have had. Why is Citi treating me like garbage. My trust with them has gone completely away, and I am unsure if their billing statements have been accurate this entire time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I was sent a tax bill and I ask RoundPoint mortgage to redo my escrow analysis XX/XX/2016 due to a decrease in taxes from a Homestead Exemption. They kept calling me and telling my mortgage payment was late for 4 months. They sent me a escrow analysis that was redone with a new payment amount due XX/XX/XXXX, that was still incorrect. I paid the money because I did not want them to negatively impact my credit score. I now get my new tax bill and its is less than half of what they are trying to make me pay for escrow. They kept telling me that they could not get in touch with the XXXX County Tax department in Texas. I also ask to speak to a supervisor 8 times between XX/XX/XXXX and XX/XX/XXXX and a supervisor was never available or ever called me back. I paid them over {$9000.00}, when my tax bill was only {$4600.00}. They have double charged me on my taxes and I want my money back immediately.

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 04/29/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Other fee

Complaint: Wells Fargo a credit card by mail that was never received back in XXXX of XXXX. 
I called and informed them that I had not rec 'd card and the informed me that they would expedite and resend another card back in XXXX XXXX, and I rec 'd new card but have yet to use card. Now in my recent XXXX credit report I found that Wells Fargo has report my account past due for {$16.00} that they claim is a XXXX fee they charged my account for expediting my card that got lost in the mail. The Fraud representative I spoke to stated that he will pull up the recording and If I am correct I will have it removed, but refused to give any written confirmation to me, rather he told me I would have to wait and see next months statement to see if charge was removed, without any further explanation or assurance of outcome confirming their internal investigation. 
I is absurd that anyone would accept this explanation as it is my credit they are reporting as in default and waiting another 30 days would make this matter more en-grievous as it would be further in default without any explanation or transcript of conversation from their internal investigation. I request that an investigation be started by XXXX credit reporting agency, and I have advised them I did not authorize charges, and requested late charge accrued be removed as well. Still waiting.

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 08/19/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am a student and worker who has purchased a XXXX bedroom,XXXX bathroom townhouse in Florida in the year XX/XX/XXXX.My mortgage interest rate is about 5.2. percent on a 30 years fix mortgage.That left me with a mortgage payment of about XXXX dollars per month. Over the years I have been rattled with financial hardship XXXX which did cause me to spend 2 weeks in XXXX Hospital here in Florida. Such events has caused me to fall behind on my mortgage that is now managed by JP Morgan Chase Bank.I have filed an entitled loan modification with them however they have denied me the modification without briefing me with legit paperwork documenting the reason why I was denied.After calling Chase over and over trying to get a reason as to why i was denied, I was told vaguely through word of mouth that " your income shows that you can afford a mortgage reinstatement payment plan " Please be aware that my income is currently less than XXXX dollars a year.Chase left me with little to no options.One of the main options that Chase gave me was to pay the payment plan that I could not afford which consisted of making a down payment of XXXX then additional payments of XXXX for the rest of the 2015 year. 
I have been waiting on them to file another loan modification under the " making home affordable act '' but they refuse to properly communicate with me.I was told by a Chase representative who work in the executive office named XXXX at extension XXXX that " a loan modification is not mandatory '', and that Chase must follow " Investor guidelines '' All the additional options Chase gave me only involved me short selling my home or me turning the home over to them. Chase refuses to give me proper reason why they denied me of the modification that I disparately need.I have tried sending them a hardship letter to explain my situation with them so that they can work with me and help me keep the home but they refuse to do so.Instead, I have been receiving letters from Chase giving prorated dates urging that '' more time is needed '' before they can come up with a decision regarding my request for them to review the case .They have been persistently stalling. 
The last letter I received was dated XXXX, XXXX. It stated that an answer regarding my hardship letter will be provided by XXXX XXXX when I have in fact checked with the XXXX XXXX XXXX Clerks Office In Florida., it shows that JP Morgan Chase filled a Foreclosure Suit against me on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: I have sent a numerous amount of dispute letters to Equifax about  XXXX   XXXX   XXXX  whom is collecting a debt for a company I does not recognize   XXXX   XXXX   XXXX   XXXX  . I written to ask Equifax that i have never had a account with   XXXX   XXXX   XXXX   XXXX   and I would like for documentation that shows that I had a account with this company but Equifax email me stating that this account was VERIFIED which does n't prove that i had an account with this company. The collection agency in which trying to collect this debt is unfairly stopping me from improving my credit by reporting unfairly to Equifax stating I owe  XXXX  the amount {$1500.00} and I have no knowledge of having an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with BNY MELLON, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: XX/XX/XXXX - I lost my XXXX XXXX Check Card. XX/XX/XXXX - Called to place a hold on the card and order a new card. XX/XX/XXXX - XXXX made me aware that unauthorized activity had taken place on the card and transferred me to the fraud department and this department ensured me that the funds would be recovered. Informed me that the fraud department would follow up with a phone call. XX/XX/XXXX - The fraud department never followed up. The funds were never recovered. I called to see why I had not received a call and was given the runaround. 
XX/XX/XXXX - An agent named XXXX, who was extremely rude called to inform me there was no guarantee that my funds would be recovered and talked to me with very little respect because I did n't file a police report. I explained that I would and the only reason I did n't is because they ensured their investigators were on top of it and I did n't know who to file the report against exactly. XX/XX/XXXX XXXX XXXX XXXX XXXX from the executive office responded to my BBB complaint still refusing to return the funds and telling me the bootleg investigation they did had been closed. When I previously filed complaint # XXXX, XXXX XXXX disassociated themselves with BNY which are supposedly the issuers of the card. So now, I am trying to address this with the proper company. I have tons of proof to be uploaded but it wo n't let me go over 10MB. I uploaded my first call with them but I have 6 other calls that follow to prove their negligence, disrespect and outright lies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: American Express has been charging my credit card {$14.00} a month for the past 6 years for a product named XXXX I have a serious Identity Theft issue that has resulted in me being reported as deceased on all XXXX credit bureaus and a company with a data breach that exposed all of my personal information. I contacted XXXX who informed me to contact XXXX XXXX company to get a copy of the policy and proceed with a claim only to learn months later that my claim was denied and I still have these score of XXXX on my credit report stating that I am deceased. I 've had to retain an attorney on my own because this XXXX XXXX XXXX is deceptive and misleading and you wo n't know it until you have a claim and it covers nothing as it is advertised. American Express has charged me a total of {$1000.00} in the past 6 years and I demand all of my money back immediately. I 've called Customer Service for the past month been hung up on by supervisors and customer service representatives. I 'm trying to resolve this matter with American Express in a professional manner without civil action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (KS).
Issue: Trouble during payment process

Complaint: Carrington Mortgage assumed my loan from XXXX in XX/XX/XXXX this is the third company this year to have my mortgage. I was in the middle of a modification with XXXX XXXX XXXX when the mortgage was sold to XXXX. Then again began a modification with XXXX and the mortgage was sold to Carrington. I received a request to pay stubs for the previous thirty days from Carrington due by XX/XX/XXXX I had just started a permanent job also sending Carrington the offer letter received from my current employer. I began the job XX/XX/XXXX. I did send my previous pay stubs from a XXXX position which ended XX/XX/XXXX. I have received two checks from my current employer emailed everything to Carrington. I had only received on check by the time frame given and emailed directly. They have now cancelled the request because they did not receive the information when requested! How ridiculous. I was injured at work in XX/XX/XXXX had XXXX XXXX XX/XX/XXXX and was unable to work for several months and had not received work comp benefits for several months. There is a letter from my attorney stating this!

Company response to consumer: Closed with explanation