milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Step 1 : What is this complaint about? Need to take Citi off my credit report.

Step 2 : What type of problem are you having? Closed account but showing up on XXXX.

Step 3 : What happened? Still appearing on credit report.

Step 4 : What company is this complaint about? Citibank Step 5 : Who are the people involved? Citibank Info : CBNA XXXX {$0.00} {$5000.00} 0 % Revolving Current XX/XX/2016 2016

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 09-07-2016 about Debt collection (Payday loan) with Halsted Financial Services, LLC. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The have repeatedly called my home and work after I have asked that they stop. They are not the actual creditor, but a third party collector. They are rude and threatening. Even when I asked them to stop calling my job they said they would not stop. there are calling me from several different numbers, including blocked numbers. They are calling from thee numbers ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, & XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Chase keeps charging me fees that are erroneous. l 've complained over 20 times to Chase about erroneous fees. In XX/XX/XXXX, I reported fees that are not explainable. They gave a partial refund. They explained the fees were for auditing purposes. However, Chase from XX/XX/XXXX to XX/XX/XXXX mismanaged my account and did not accurately report the balances of my account. I ordered Chase through the CFPB to make my account balance transparent and current. They then charged me an auditing fee. I complained. They refunded partial payment for the auditing payment but not the full fee. lf Chase is unable to do basic math and balance their accounting books, those costs must be incurred by Chase no matter how large or small. Although the fees are small they are repetitive and they add up and it takes time to get the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Gatestone & Co. International Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid XXXX monthy bill. But XXXX said it wasnt paid, even after i repeatedly gave them proof of credit card statement and an XXXX payment confirmation code. Being called anywhere from 5-10 times a day from dept collection that refuses to tell me who they are until i give personal info. Name, address, birthday. Being harassed daily. No matter how many times I call XXXX to give proof i do not owe them money or same info to collection, the collection calls will not stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Hello, I have a XXXX checking account with Bank of America. OnXX/XX/XXXX. I used my ATM card for 4 transactions, there was more than enough money in the account to cover the charges. XX/XX/XXXX was a Saturday. On Monday XX/XX/XXXX, I purchased gas, at the time there was {$5.00} in my account. The gas purchased over drafted my account and I understand this charge is my fault. I am not disputing this charge. However, all of the charges made over the weekend were charged overdraft fees as well. The gas purchase had n't even hit my account yet. On Tuesday XX/XX/XXXX, I received a deposit of {$140.00}. Bank of America charged 4 NSF fees to that credit leaving a balance of {$9.00} in my account. I have spoken to the bank several times regarding the processing of transactions, I 've been told they do n't process in the order they occur. I am a XXXX XXXX XXXX struggling to break even. The fees in question are unlawful. Please look into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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 XXXX In partnership with XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within XXXX days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX am XXXX pm EST Closed on major U.S. holidays Bankruptcy Reported on XX/XX/XXXX Dispute Reason Accuracy : This public record contains multiple inaccuracies, please verify accuracy of all data.

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 12-12-2016 about Debt collection (Medical) with Receivables Outsourcing, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a copy of my credit reports and noticed some erroneous items on my credit reports. Receivables Outsourcing is handling the collection of these accounts. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Receivables Outsourcing and me which entitles them to enforce a commercial claim against me. This is not a request for verification or validation. This is a request for strict proof of contract to substantiate their claim. Provide me with a certified copy of an original contract with my signature, specifically naming Receivables Outsourcing being entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Other mortgage) with PNC Bank N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently sold my home and paid off my mortgage loan with PNC Mortgage. They included a " Servicer Advance Balance '' fee of {$1800.00} in my payoff amount. I had previously made written & verbal requests to have this fee explained to me several years ago and again more recently, but have never received a proper answer. In a letter dated XXXX XXXX, 2014 ( attached ) PNC responded stating the fee was because the HAMP " loan modification agreement required PNC to advance payments on your behalf so when the loan modified your account would reflect being current/reinstated '' Aside from the fact that the relevant explanation does n't even use proper English and makes little sense, my loan was never past due and never had to be made current or be reinstated. I responded to them on XXXX XXXX, 2014 and stated if they did not provide written proof of this obligation that we could only assume that it was an error. At that time I did not receive the courtesy of a reply thus, no proof was ever sent to me. In other words, just saying that I owe them {$1800.00} because they say so is not an acceptable answer legally or otherwise. 

I have also attached a copy of my loan modification agreement and nowhere in it does it state that I do or will owe this money nor is there a reference to anything that could be construed as such a fee. Please know that I am, and always have been, perfectly willing to pay any fees that I am legally or contractually obligated to pay, but I can not stand for having my money confiscated inappropriately by an entity that obfuscates the facts and refuses to provide simple and understandable answers to legitimate questions.

Company response to consumer: Closed
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Good XXXX, I recently, on two occasions disputed the XXXX XXXX on my Transunion report as never late. I included a copy of the never late letter that was addressed to my mother XXXX XXXX as she is the primary account holder and I am an authorized user. On the first occasion they came back verified as if it was late. they didnt even honor the letter that was furnished. 

On the second occasion on XX/XX/XXXX I disputed it again, they removed the late that was showing on XX/XX/XXXX then they added it back on as if it was late on XX/XX/XXXX. 

THIS ACCOUNT HAS NEVER BEEN LATE AND THEY ARE NOT DOING THE RESEARCH TO REPORT THE CORRECT INFORMATION. 

I need them to remove the late and update my account to never late. 

SECONDLY, I called to dispute several inquires that are reporting on my credit report with Trans Union that I am unaware of, please see the following : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I spoke with XXXX on XX/XX/XXXX and she REFUSED to put in my inquiry dispute, taking away my rights to dispute incorrect and derogatory information on my credit report. 

what I have gathered is that the employees at Transunion do not want to help people get there reports corrected because they get paid to report incorrect information. 


Thank you so much for helping me in this situation.

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 01-03-2016 about Debt collection (I do not know) with Receivable Recovery Services, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account is fraudulent and the company refuse to remove the account due to identity theft. Someone went to the XXXX under my name and created a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit report shows that I owe XXXX XXXX and this particular debt collection agency is collecting the debt did not notify me of this debt and give me a chance to respond. I was successful in getting this deleted in XXXX out of the XXXX credit reporting agencies, but ca n't get Equifax to budge unless I pursue this further.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: I have a XXXX Mortgage with JP Morgan Chase and a XXXX Mortgage with XXXX XXXX XXXX. I refinanced the XXXX Mortgage with JP Morgan Chase with the assistance of The Hope Help Line around XX/XX/XXXX. The issue I am having is the HAMP program was new with a lot of mistakes and non help at the time that I received a modification. Because of the newness of this program, I was not aware that I would be able to get my XXXX Mortgage with XXXX XXXX XXXX through the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). As I was starting to realize that I was in need of the XXXX Mortgage with XXXX XXXX XXXX Modified also, I received a XXXX loan through my XXXX Mortgage with JP Morgan Chase which changed the account number. I did not request this new loan. Chase just offered it to me and since it had adjusted the payments slightly lower I accepted the loan. This then disqualified me from getting my XXXX Mortgage with XXXX XXXX XXXX XXXX due to the now new mortgage was no longer the HAMP mortgage. I feel that chase hurt my situation of have the much needed XXXX mortgage modified. I have worked with Chase and XXXX XXXX XXXX since this happen XX/XX/XXXX and neither back is willing to help me. They are always referencing the current loan does not apply the originating loan was not created prior to the XXXX XXXX, XXXX. The XXXX refinance was originated before XXXX XXXX, XXXX. I feel that I have been duped by Chase and they are working hand and hand with XXXX to block me from having my XXXX mortgage with XXXX XXXX XXXX from being refinanced under the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). I have been trying to resolve this refinance issue of the XXXX mortgage since XX/XX/XXXX. 

This Complaint should be forward to XXXX XXXX XXXX as while It is there XXXX mortgage that I needed to have refinanced on the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). It is them that are denying the XXXX LIEN MODIFICATION PROGRAM ( 2MP ). See attached document for account information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DBA PARAGON REVENUE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DBA PARAGON REVENUE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DBA PARAGON REVENUE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: over the past year the company handling our loan, Navient, has raised the monthly payment from XXXX a month to ~XXXX. Submitted an application for income based repayment to be re-instated and was denied because my wife has XXXX income. We are married, we file jointly, and she has not worked in 20 years. Per the instructions I included my income on the form, and supplied paycheck documentation. Upon calling back today, I was told since my wife does not work we can not get income based repayment. We have had income based repayment on this loan for decades. This is messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I have a safe deposit box at the local Bank of America for 10 years. I recently hear that that location is closing and so I called the branch on XXXX/XXXX/16 to ask when should I go and collect my safe deposit contents. I was informed that the box has been drilled open and the contents are sent to a " central '' location. I was never notified that they will do this. I live XXXX miles away from the bank and the rental fee is directly debited from my BofA bank account. This is not ok. My valuables are tampered & they have not been returned to me as of this date of complaint.The bank also told me XXXX different stories of how the contents are handled. XXXX version was the entire box was wrapped up without opening the box and exposing the contents. XXXX version was the items were inventoried by bank personnel.

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 05-05-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently pulled my credit report as of result of this I noticed I had this collection account with XXXX XXXX XXXX I  initiated a dispute with a XXXX dispute letter because the account does not belong to me and I was n't aware of this account I requested them to present me with a copy of bonding contract signed by me to which they replied to me by mail with six pages of paper page one stating the debt was valid, second page is a welcome too XXXX XXXX XXXX XXXX letter, third instructions to register the account online, fourth page Electricity Facts Label form, fifth page Disclosure Chart, sixth page thirteen state language form. None of forms provided as evidence are valid, I have also looked the company up in the Texas Secretary of State website and this company does not have the proper bonds and license to collect debt in the State of Texas. I am officially complaining about them and request this collection debt from their company to be removed from my credit immediately. Thank you, XXXX 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 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX called said i had an outstanding bill of {$180.00}. They read off a phone number which was not one of mine. They would not say the address on the account.I informed them that the bill was not mine. Today I found that item on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Debt collection (Medical debt) with CHS, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called on XXXX/XXXX/XXXX and asked about a XXXX negitive mark / bill on my credit report. I asked if they could do a settlement because I need that mark removed.i was told that they do n't do settlements and that I could make payments or pay in full and then it would be removed ones all of the money was paid. I said ok can I get all of that in writing. The lady said yes verified my address and said she would send it right out. On XXXX/XXXX/XXXX I I got a letter in the mail saying that I owe XXXX and I had a payment due XXXX/XXXX/XXXX. When I did not respond I got another letter that was out of line with false statements I never made and a higher amount than the last letter XXXX at this point I do n't believe I owe any of this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Payday loan) with Nationwide Arbitration Services LLC (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have been getting calls from a XXXX XXXX with Nationwide Arbitration Services at XXXX and he is threatening me with legal action. Have not received any written information regarding a debt that he says I owe. When I tried to speak with him, he was very rude and dominating. I demanded information in writing and he states that he is sending paperwork to XXXX XXXX Texas court system and the docket # is XXXX. XXXX XXXX Texas has no information regarding that number.

Company response to consumer: Untimely response
Consumer complaint received 07-10-2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My ex left me, she is on the mortgage, she had a restraining order on me for 30 days until court where her complaint XXXX was dismissed. During this time she lived in the house and did n't keep the payments up. So when I was able to get back in the house I begin to make the payments again. I was one month behind at this point. During the past couple months I had been talking to the mortgage company, Freedom Mortgage, and making payments we discussed a repayment plan that initially sounded like a good deal then after further consideration it was determined at the time that this was not going to work. They are saying that I broke an arrangement and now they need two full payments or they will not even talk to me. They changed the terms of the loan which has now put me 3 months past due including the current month and they are refusing to accept any payment from me which has put me in an even worse position because I am doing everything in my power to get it caught up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation