milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: ON XX/XX/2017 5 letter were drawn and sent certified mail to Experian, XXXX XXXX, XXXX, annual credit report and CFPB My Social Sercurity was incorrect and needed to be corrected with all credit report bureaus. 
XXXX  is the only Bureau that corrected the issue. 
It has been 6 months since letters and info was shared and I need to refinance my car and apply for a rental ... 
I need my SS # to be corrected within the credit reporting Bureaus so that I can move on in life. 
I do not know what else I need to to do, to get this done..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I received a letter from Capital one regarding the closure of my credit card account due to inactivity. Card ending in XXXX. I have had this card for a very long time and I have excellent credit and by them closing it out and not giving me a chance to use it, it will hurt my credit rating because this is an old card. 

I called them and requested that they do n't close the card and suggested it can be transferred or converted over to a new card which offers better products. 

They told me we can do this and someone will call me back and its been a few days now and no one has called me back. 

I strongly believe this is a discriminatory practice by Capital One. I did n't violate any terms and conditions either. If they want me to use the card than they should offer me better incentives like all other card companies I use currently. 

This tactic of forcing excellent customers to close their accounts without any warning is Discriminatory and based on Race in my opinion. 

They never even sent me a card because old card expired 2 years ago. How am I suppose to use the card?

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (FHA mortgage) with STONEGATE MORTGAGE CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: StoneGate Mortgage failed to give me credit for one of my mortgage payments. 
This was shown on my XXXX 2016 statement. It shows that the payment was received on XXXX XXXX, 2016 and then reversed. There was no reduction in my principal. I called the company and spoke with XXXX at ext. XXXX. I was told that this was an error on their part and it would be corrected. I also contacted my bank. The mortgage payment in question has cleared. 
I have just received my XXXX 2016 statement. This correction has not been made. The principal has not been reduced and the interest charged can not be correct if they calculate my interest expense from an incorrect principal.. This recent statement shows that I owe two payments..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2015 about Payday loan () with Big Picture Loans, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: I was loaned {$800.00} from CastlePayday Installment Loans with the agreed terms I would pay a one time finance fee of {$280.00} upon receiving the loan. They did not disclose to me a {$280.00} finance fee every time I would make a payment. Now twice a month, I am expected to repay {$280.00} plus a principle charge of {$25.00} or more a month to repay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Student loan (Federal student loan servicing) with Performant Financial Corporation (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I entered a loan rehabilitation program over a year ago with a company Performant. I was told if I made 9 consecutive payments that I could a avoid going into default. I made those payments and did n't hear back from them so I called them and they told me that I was n't in their program, that I had signed a paper that I did n't want to be in their program, which I found out later that I had. The paper was entitled Confirmation of Agreement and towards the bottom it did say that if I did n't want to be in their program that I should sign it. However, I never knew I was n't in their program. Those payments were going to them and they never told me I was n't in their program. So I went into default and now they have been garnishing my wages for over a year. Do I have any legal recourse at this point?

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 12-12-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My XXXX XXXX credit monitoring shows the creditors reporting false info. on both charges paid on XXXX. 

1 ). 
XXXX XXXX XXXX XXXX Purchase XXXX XXXX XXXX XXXX XXXX PAYMENTS XXXX XXXX XXXX XXXX : XXXX XXXX/XXXX/XXXX XXXX POS Withdrawal UNCATEGORIZED ( {$120.00} ) Notes : Comfirmation # XXXX Paid account # XXXX original amount XXXX per reduced agreement XXXX XXXX ). 
XXXX XXXX XXXX XXXX Purchase XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  XXXX : XXXX XXXX/XXXX/XXXX XXXX POS Withdrawal Misc. Business Services ( {$81.00} ) Notes : Comfirmation # XXXX XXXX XXXX XXXX XXXX account through Diversified Consultants

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is reporting a inaccurate account on my report. I have disputed it several times and it constantly reports. I have contacted the XXXX XXXX and all of the reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (IL).
Issue: Struggling to pay mortgage

Complaint: I have applied to CitiMortgage for a loan modification. My loan is an adjustable that was interest only and the home is underwater. The reset and fully amortized payment is more than double the present payment. I applied for a modification with CitiMortgage and was granted a trial period plan with a payment 50 % higher than the present payment. In the Trial Period Plan Notice on page 5 it states the calculation of the new monthly payment is based on 31 % of my earnings but it is over 40 %. When I called CitiMortgage after I received the Trial Period Plan Notice on XX/XX/XXXX I talked to my account specialist XXXX and he said he would escalate to the Executive Response Team and they would contact me and on XX/XX/XXXX XXXX XXXX from CitiMortgage contacted me. When I related to him that the math did n't add up he said they do n't make any changes and I would have to reapply. He said he would email the modification application that day. I never received it. On XX/XX/XXXX I emailed and requested again-no reply. I scheduled a phone call with XXXX XXXX on XXXX XXXX and he said he would email me the package. I did finally received the email and on XX/XX/XXXX I emailed back all the requested items. I had not heard back and I grew concerned and I began emailing XXXX XXXX for status. No reply. I scheduled a call with another person from the Executive Reposnse Team and I was a ssigned to XXXX XXXX who explained that XXXX XXXX was having trouble with his emails-4 weeks? - and this file was now assigned to her. She said that nothing was done on my application that was submitted on XX/XX/XXXX. It was received but XXXX XXXX did not submit it. XXXX XXXX was not encouraging but I requested that my application be looked at-this is n't right. I 'm getting the runaround. Everything that has been requested from me has been delivered on time. XXXX XXXX sent me via email another application for a modification on XX/XX/XXXX. I sent it back immediately to XXXX XXXX and to the CitiMortgage website and to CitiMortgage email address. I emailed XXXX XXXX for a confirmation of recipt of my email but have received no reply. I am concerned that my application is not being reviewed.

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 02-01-2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing

Complaint: American Express green card interfered with my mortgage refinancing. American Express deceptively solicited a credit card which is not a credit card it is a charge card. It should have state it is a charge card on the card. When I applied for mortgage refinancing American Express requires the card to be paid off in full and cancelled. It held up the process. I had to take on additional credit from a real credit card to pay off the balance. This all delayed the process causing even more headaches. The refinancing did not end up going through and my credit cards are in charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I called XX/XX/XXXX asked that my funds be mailed to me I was told they would be to my home in 7 to 10 days here we are on the XX/XX/XXXX and my money is still in the account it 's my social security for me and my children this is all we have to live off and they are taken there time to get it to me. And said the only way for me to receive my funds is to wait for a certain department to handle the closing and mail me my checks. I do n't believe that it is being handled correctly and they should not be able to hold my funds. There should be options in how you receive your money and those options should be quick. Not to there discretion or when ever they feel like it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Deposits and withdrawals

Complaint: While checking my Chase Business Account from my mobile device I notice an unauthorized check had cleared my account # XXXX for {$1200.00}. 
I called the Chase fraud line to report the fraud. The agent ask a series of questions that included looking through my check book for the check number # XXXX. 
I notice that number was towards the end of my check book and discovered XXXX checks were torn from my check book. # XXXX and # XXXX. 
I immediately placed a stop payment on the check that had not cleared my account # XXXX and closed that account and opened another account. I was given an investigation number When opening my new account I inquired about the investigation and was told it was on-going and a credit would be issued to my account after the investigation. 
Upon waiting about 10 days I received a denial to my claim in the mail. 
I did not understand what had happen therefore I spoke with the Branch manager where I opened my account. She informed me the issue had been escalated and it was denied from the executive branch. 
After exhausting all efforts to recover my money from Chase, I decided to pursue Law enforcement actions for this obvious fraud. 
I went to the Police Department to open a case. I opened the case on XX/XX/2017, case # XXXX with Investigator XXXX I called the XXXX Police department several times to check the case status, sent the investigator an email but have not been contacted at all by the investigator as of XX/XX/2017. 
I received your contact information from my local news channel. The news agent is XXXX XXXX, and he has a consumer phone number. That information lead me to the CFPB. 
A few other facts : My check book was securely positioned in my zipped computer briefcase and placed under my desk at work. I live alone, therefore no one at my home could have taken the checks. The bank ( CHASE ) claimed they denied the claim because I should have keep my checks in a lock box. I asked to see that in writing but they would not or did not have this for my viewing. I printed an image of the fraudulent check and it was clearly not my signature nor handwriting. Also I have no idea who the payee is ; seems like XXXX names on the check. The bank would not let me know the check deposit location or if it was cashed at a Chase bank.

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

Complaint: Equifax had a huge security breach that has now put all of my personal information at risk. They were aware this breach happened in XX/XX/XXXX and I was not notified personally that my information was at risk. Instead I had to find out in reports in XX/XX/XXXX that there was a breach, and take actions to protect myself. In order to due so I had to PAY money to have my credit frozen. To the same company that lost my information due to security negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX we became unemployed. We initiated contact with Wells Fargo in XXXX of XXXX to let them know about our situation and asked for any options to prevent us from going into foreclosure. 
Wells Fargo offered us a forbearance program for both first and second XXXX XXXX mortgage loans. 
On XXXX XXXX, XXXX my payments were twenty-five dollars each for both first and second mortgages. 
I 'm contacting you because XXXX XXXX from Wells Fargo was my Point of Contact in XXXX, XXXX. This was the last point of contact I had spoken with. Since then we have had XXXX other points of contact, neither of which have responded to our phone calls, or faxes. We are hoping you can help us get answers to our questions regarding our situation. 
XXXX XXXX told me my first and second mortgages were being combined and that she was handing me off to a new point of contact as of XXXX XXXX. I was unable to reach our new point of contact on XXXX XXXX, XXXX to make my payment. Therefore, my payment was made with a call center employee. 
Another attempt, on XXXX XXXX, XXXX was made for information regarding my second mortgage. Call center employee said payments were being taken for a forbearance program that my mortgage was accepted into, but that they were not applying them due to a lack of signature. I indicated that I would look for paperwork for her to verify, and she said it did n't matter. Since then the Presidents office has contact us about getting this situation amended. To this date nothing has occurred. 
In XXXX of XXXX a modification for only the first mortgage was included and no programs were applied to our unemployment or underwater mortgage situations that would give us financial relief. We were told that there were programs available for these types of situations. However, they extended my mortgage for an additional 40 years. 
Additionally, We noticed in this XXXX XXXX letter that {$800.00} was added and we have no explanation as to where this amount is coming from. 
XXXX we have faxed over questions regarding this mortgage modification as we were instructed to do per Wells Fargo. We have included a copy of the modification agreement and forbearance paper work. 
See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Debt collection (Medical) with CCS Financial Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I been in bankruptcy since 2009 and this debit is XXXX years old and collection calls XXXX time a day

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (I do not know) with G & D COMPLIANCE (ND).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I worked with a gentleman in college who apparently got into some serious situations. Ever since then I have received phone calls randomly from Debt Collection agencies asking for him and information on how to find him. I have repeatedly asked them to stop calling my number because I am not the person they are referring to and have no contact with him any longer. I continue to receive phone calls and I am not impressed that someone was able to use my phone number as a contact number, which I did not agree to, and now I receive harassing phone calls when I have repeatedly told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Debt collection (I do not know) with Aldridge Pite Haan, LLP (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX [ Aldridge Pite Haan, LLC ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga XXXX ] [ XX/XX/17 ] To [ Aldridge Pite Haan ] : Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, Equifax, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, Equifax, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Equifax XXXX XXXX XXXX XXXX XXXX Item Status : Was removed XXXX, XXXX, and XXXX and latest credit file showing items re-inserted after FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I spoke with a  XXXX . She claimed that this was a debt for  XXXX . I advised them that I did not know what this debt was. I did n't have an account number as I noticed it on my credit report and there was none. They asked for my social security number which they could not locate an account for me. I gave my phone number which they could not locate an account for me. They also could not locate me by my address. Finally she asked for the amount of the debt and to spell my name again. This is when she found the alleged debt. I asked them what they had to validate and they could only provide me with an address I have never lived at. An insurance company I never had. When I expressed my concern with them not having my social or anything to prove this was me. She became taunting and started rambling off all types of dates and times they allegedly contacted me. When I expressed that they had the wrong information she then became angry and laughed in a nasty way and told me that I was more than able to contact my insurance to find out what it is. I expressed again I did not have that insurance and she then told me that I could pay or have legal action taken against me. When I asked if she could send me what she did have or email that she did not have my social, etc. She became very angry and told me she would not be sending anything. I advised her that I had already disputed this alleged debt with all three Credit Bureaus and that it was updated but not verified and still remains. I have asked numerous times for them to provide proof and they have not and this is why I was calling them directly. I advised that if they could not provide with something to confirm this is my account to remove it and she said no. I then advised I would be filing a complaint with this forum and that the next step would be legal action. She advised me that I could do whatever I wanted and the only legal action would be against me and hung up on me.

Company response to consumer: Closed with explanation