milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account is reporting a total of 6 missed payments that are not correct, Also Equifax fhows 6 missed payments but XXXX shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect  missed payments reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company, Nationstar, is claiming we missed a payment and is sending us email messages and leaving voice mail messages warning us of a possible foreclosure. Our mortgage payment is automatically transferred from our bank account to Nationstar each month, so we know we have n't missed a payment. We have called XXXX different times trying to clear up this issue. The first call we talked to XXXX and she said she would look into it. Two days later on the XXXX call XXXX suggested we FAX them our bank statements to verify the payment was made. We FAXED them that day. On the third call XXXX told us they did n't have a record of us ever calling them, but she would create XXXX. On the fourth call they told us they it would take a few days to review the FAX. On the XX/XX/XXXX call XXXX told us they never received the FAX. On the XX/XX/XXXX call to their call center XXXX was n't sure what the problem was and offered no solutions. Meanwhile we are still receiving email and voicemail messages telling us our mortgage is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (IL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I was having financial hardship at the time ... I contacted XXXX already with the goodwill letter and they werent willing to change the status.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 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: On several different occasions I have question the validity of an account that appears on both my Experian and XXXX report. The most recent request dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  The company has failed to provide any information to substantiate the account. The Credit agency is reporting incorrect false information that is effecting my ability to receive credit.This Account with XXXX XXXX was disputed from XXXX 2 yrs ago and found to be invalid. I have since requested multiple times for the other Reporting agencies to follow suit and remove the item as well

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 06-12-2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (NV).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I have a RushCard debit card and my online account password was changed without my knowledge, a request to setup a card to card transfer was requested, once set up  XXXX  card to card transfer transactions were requested,  XXXX  for {$390.00} and another for {$600.00} by  XXXX  different people on  XXXX   XXXX   2017 . When I received the alerts via email of what was going on I immediately contact RushCard. I was told that they would further investigate. I submitted a dispute form and a letter to RushCard.     RushCard gave me a credit for the {$390.00} but refuse to give me credit for the {$600.00}. Their dispute department states that they do n't show an error with the transaction for the {$600.00}. I have written several letters and submitted the emails I received from RushCard.     The transactions happened at the same way, by  XXXX  different people at the same time and on the same day so I do n't understand why RushCard is not finding an error with the {$600.00} transaction but find an error with the transaction for {$390.00} When I speak with a representative from RushCard they try to make me feel like I am the criminal and requested the card to card transfer and I know the person who got my {$600.00}. Like I said to them if that was the case than why would I be fighting to get my money back. It makes no sense. I am a single mother who lives paycheck to paycheck and need every dime of my hard earned money. Also, I do n't know of any other RushCard holders to transfer money to.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Credit card) with Ashton & Weinberg, Inc. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Last week I received a phone call from my payroll department at my job stating they had received a call from Ashton and Weinberg asking questions about me and trying to verify whether or not I still work at my job. I work XXXX XXXX XXXX home in XXXX, PA. They were given a name and number but I had told them to just throw it out that I had the information already. I received a phone call this morning XXXX XXXX 2016 at XXXX from an unknown number. The person stated his name was XXXX and he was calling in regards to a debt consumer credit card with XXXX that is now in collections. He told me that they were in the process of reviewing my account and that if I was unable to set up some kind of payment plan today. That he was going to refer to the debt collection company to proceed with doing a wage garnish on me. I said to him I did n't know you could garnish someone 's wages for a debt collection without going to court first. He said to me yes we certainly can. So I asked him how much were these wage garnishes going to be. He said that the number varies depending on different things. He stated that it will go by how much I make and it will go by my gross pay not net. So then I started to explain my current situation and told him how I do n't have the money right now to even set up a payment plan that my bank account is in the negative. So then he proceeded to start talking about my other debts stating that would also be put into consideration so the wages garnished wo n't be too high. Then I asked him how much do I owe & it was {$1300.00} and some change. I told him I could set up some kind of plan once I got my income tax. He said I would need to do something today for them not to garnish my wages. I then said well let me talk to my mom and dad and see if I can borrow money to pay this off and then just pay them back at income tax time. So I asked him how much would I need if I were to do a full pay off today and he told me {$900.00}. 

He was from Ashton & Weinberg Inc. XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX Telephone : ( XXXX ) XXXX http : //www.awcollect.com/ I have since learned that wage garnishment is illegal in Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are several inquires that have hit my credit file which are AMEX XXXX, XXXX and XXXX I did not apply for credit with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: My wife, XXXX XXXX owns an IRA account at Capital one 360 which is an internetbank, formerly Named ING Direct. As a result of illness she has become XXXX andI have obtained her Durable power of attorney. As she has not taken her requireddispersment of funds for 2015 as required by the IRS, I contacted Capital one 360and attempted to do so. I was instructed to submit her Power of attorney by fax andI did so on XXXX/XXXX/2015 Sending it to their operations department as instructed. They Informed me that I should call back in five days for the power of attorney to be processed. 
When I called on XXXX 2015. I could not get any Information from them. Not even thatthe power of attorney had been received. I talked to an agent and later to his supervisor. 
the only thing I could get from them was that they wanted me to send them a notarizedform stating that I would not pursue any form of redress against them. Which makes methink that they are acting illegally. 
My wife 's customer number is XXXX. Her IRA account number is XXXX. Heraccount balance is in excess of {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was told that Discover student loans will be participating in a loan modification but every time I call to have my 11 % interest rate reduced, they ca n't do anything about it. It is unheard of to pay 11 % on a loan that I can barely afford. They only tell me I can defer the loan or go on forbearance in which the amount that I will owe each month will only get higher. No one is helping me out on reducing the interest of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On the evening of XXXX XXXX, 2017 my account went into a negative {$880000.00} because of a hold of {$880000.00}. I was not able to access my account and both of my cards have been deemed invalid. When calling customer service they could not help me. I called risk management and they could not give me any information other than Bank of America has decided to close the accounts. Both my personal and business account. This hold was from the bank itself not someone stealing my identity.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Capital  XXXX   XXXX   XXXX  is report an untrue credit status. It is reporting  XXXX  late status.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: i faxed chase jp morgan two seperate times at the XXXX XXXX fax number for disputed charges only to be ignored get zero coorespondence and its a lot of money and its mine. with all the tricks out there, i dont know how they got my info. 
ill list the charges cause theirs a bunch. 
i live in XXXX, i have XXXX notirizsd letteres from XXXX seperate people, i wasnt even in XXXX from XX/XX/XXXX till post new year. not to mention guys i have the letters i never in my life stayed at the XXXX in XXXX but theirs a charge for {$1600.00} on XX/XX/XXXX which ive told chase about but did nada. all i rrequested wasa signature to verify allowance of these charges or proof my pin number was used and to this day a year later ignoring me. next couple charhes were by med places which one i dont recognize or gave auth to charge on XX/XX/XXXX for {$150.00} to XXXX never been there ... next XX/XX/XXXX XXXX XXXX XXXX for & XXXX andnog onnly did my indurance pay hin but i was three days XXXX, i was in bed ... .next XX/XX/XXXX from XXXX for XXXX..they promised the tickets i never got them and if they claim i do show me my signature caue you know they send XXXX or XXXX! same deal w/ XX/XX/XXXX from XXXX for XXXX never got the tix ... XXXX last XXXX from XX/XX/XXXX from XXXX ... i ordered the items, they were delivered signed for not by me or this house and again chase just ignoring me ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am a Widow who has asked for assistance, never received it and I am now being harassed by Citi Mortgage. I have a relevant case of extreme hardship due to the passing of my husband. Prior to his death I had never been late ever with my mortgage or had any problems. With my husband now gone my finances have changed drastically. I have been asking for assistance from Citi Bank/City Mortgage since 2012 but they have and continue to deny me help. I cooperated with them fully providing them with all the documents they asked for each month including my prior tax documents that showed our combined salaries and what it had become after his death, I also provided my paystubs and his death certificate. The loss of a spouse is not only the greatest grief but the loss of income is truly a great hardship. They played the usual game and waited 7 or 8 months to deny me. I asked again recently and I was denied again. I needed my loan modified to a smaller payment so that I could keep up the payments, I did n't have far to go to finish paying off the balance. Because Citi denied me help in order to keep up the payments, I used my savings to supplement my income. Now my savings is almost gone and there is nothing left to supplement. I am not behind, not even one month but now I am being harassed by Citi Mortgage each and every week. I have to pay them at the end of the month but I am not behind. I only owe them a total of {$9300.00}, my monthly payments are {$300.00} and would have been able to keep money in my savings to brace against an emergency had I received assistance from Citi Mortgage XXXX where I have a home equity loan would have worked with me. It is only though greed and calloused, mercilessness that institutions play with the lives of those who fallen on hard times. It is a shameful embarrassment the way they are coldblooded and cruel. The only thing I can do is to pay my bills as best I can and City will have to wait to get it until I have it to send. Each week they send me threating letters of foreclosure and modification forms which I will not fill out, I know from past experiences, they have no intentions of helping me with anything but out of my co-op if I ca n't pay rather than work with me towards a solution. I am being harassed. The mistreatment I 've received needs to be exposed and I 'm telling my story. Shame on them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I applied for American Express Delta Gold Skymiles card ( account number : XXXX XXXX XXXX ) back in XXXX XXXX, when it had a promotional offer of XXXX Delta miles + {$50.00} statement credit towards Delta flight after spending {$2000.00} in 3 months. I was about to book a ticket on Delta and called before application to make sure I was eligible for the offer ( which was confirmed by Amex phone representative, but original agent said {$1000.00} spending was required ). Subsequently, I called after approval to double check the terms and was told I need to spend {$2000.00} to be eligible for the bonus. A bit strange that spending requirement changed, but OK. However, even after I spent {$2000.00} and waited several months, my account was not credited with XXXX Delta miles. I spoke with another Amex representatives via online chat function who said they will investigate the issue, but have n't heard back since. 

I finally just spoke with yet another Amex representative ( XXXX XXXX, XXXX ) and I was informed that my account is ineligible for the sign up offer because I had a similar product several years ago and now all personal Amex credit cards have once in a lifetime signup bonuses. 

I repeat that before I applied for the card and while I was satisfying spending requirements I was told multiple times I am eligible for the sign up bonus. I feel Amex was intentionally deceptive and outright misleading false advertising to make me spend the required amount ( {$2000.00} ). 

I request Amex credits my account with XXXX Delta miles are per sign up offer. There were multiple opportunities to notify me that I 'm ineligible for the sign up offer when I was inquiring about it a ) before I signed up b ) during the call to double check spending requirements. 

I conservatively value XXXX Delta mile at XXXX cents, so XXXX miles is {$1000.00}. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently logged on to Equifax for my annual free credit bureau report due to the recent security breach. 

First of all, I previously placed a customer statement on my file. I stated that I am an identity theft victim and to contact me directly prior to issuing credit. In addition, I requested that my social security number and driver 's license be required in order to extend credit in my name. This statement is no longer on my credit bureau. I never removed it. 

Second of all, they are still reflecting an unpaid tax lien on my credit bureau report. I have repeatedly provided them with the documentation to show it was paid. Moreover, it is not reporting on my XXXX report and XXXX reflects it is paid. I am providing a copy of my XXXX  report for your records. If these two credit bureau reporting agencies can manage to get it right, Equifax should be able to get it right. Good grief. 

This is probably the 3rd or 4th time I 've needed to report Equifax in the last several years for these types of problems. It is getting old. Please intervene and require them to update my report to show it is paid and to place my consumer statement back on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (ME).
Issue: Settlement process and costs

Complaint: This is an exact copy of the letter to the NH Banking Department. They have refered me to the Department of the Comptroller. I will contact them but its my fear that the process is going to slow down and get caught up in RED tape unless I stay proactive which is why I 'm contacting you. If you need me directly my personal cell phone # is XXXX my personal emaim is XXXXXXXXXXXX. Thank you! 

XXXX XXXX XXXX PLEASE FIND DUPLICATE LETTER SENT TO NH BANKING DEPARTMENT : XX/XX/2014 I was forced into bankruptcy. XXXX of my properties an XXXX in XXXX XXXX.had been mortgaged with Peoples United. Even though all my payments where current Peoples United hired the law firm of XXXX XXXX. As things turned out I refinanced this property and paid off a rather minor first of {$17000.00} that Peoples had on that property. I was stunned at the closing when it was revealed that XXXX XXXX had billed Peoples United over {$7000.00} which went against my closing costs. I have requested an accounting and explanation of these charges and have repeatedly been denied this accounting from XXXX XXXX and Peoples United. Most recently XXXX XXXX had thrown this decision back onto Peoples United by stating that permission needed to be received from XXXX XXXX before they could release the explanation of their fees. I have requested permission from the loan officer and the bank president since I have only received a break down of charges by the day that the charges occurred. 

It is my opinion that both XXXX XXXX and Peoples United are involved in some kind of cover up as to what these charges involve. I 'm concerned that by their actions or lack of they both are obviously covering for one another. 

I 'm just a small business person. Obviously having a challenging and difficult time. I am no match for an underhanded law firm and a huge corporate bank. I 'm determined to see this through though so I 'm asking for your assistance in this matter. Please contact me with what ever assistance you can provide. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: I have XXXX house located at XXXX XXXX XXXX XXXX FL XXXX, I do not have any mortgage with Bank of America, the house is a construction built, first Bank of America refinance the house in their own and work away without give a cents, when I fought the case in court it sold the house. My lawyer make a deal with the bank and share the money together leave me without nothing. What bad in me, my lawyer told me I 'm a XXXX man no justice for me.I want known if this kind of abuse is right. My contact # XXXX XXXX XXXX If you need more prove I can get the papers from the lawyer and Fax to your attention

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Items attached : Equifax sent a response, but it was ignorant, to the situation, because I already knew it was paid off. I wrote th check. My complaint is that the bank charged off an account that they kept receiving money on through the whole process. That That is against South Carolina state law, because that is considered a willingness to negotiate contract.

Company response to consumer: Closed with explanation