milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My Citibank double cash rewards card was stolen on XXXX/XXXX/XXXX along with my XXXX XXXX XXXX at XXXX night club in XXXX XXXX, XXXX I saw multiple fraudulent attempted charges on my online account for {$3100.00}, {$2100.00} and {$530.00}. There was XXXX successful fraudulent use for {$1000.00} in the form of quasi cash at XXXX XXXX XXXX XXXX. I did not give permission or authorize anyone to use my credit card or my driver 's license. I notified Citibank who cancelled my card that same day and I went to the XXXX XXXX XXXX Police Department station ( XXXX XXXX and filed a police report. I flew back to XXXX without an ID on XXXX/XXXX/XXXX. I obtained a duplicate driver 's license on XXXX/XXXX/XXXX. A detective from XXXX attempted to contact me at my work and on my cell phone after XXXX weeks, unsuccessfully. I left a voicemail on his voicemail with everything I knew about the charges i.e. and did not get a return call. I was contacted by citibank security operations person handling my case, a XXXX XXXX, who was not professional or helpful and closed my case without proper time to submit evidence. She reported they had enough evidence it was me who made the fraudulent transaction but stated their evidence was confidential so I did not have access. The fraudulent charge was placed back on my account {$1000.00} in last last 48 hours.

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 06-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On  XXXX   XXXX   XXXX  I sent a check to my landlord for {$1300.00}  ( #   XXXX   ) and in    XXXX  of  XXXX  the landlord told me they had n't received my  XXXX  rent check. I immediately went to my ba nk (   XXXX   ) to g et a copy of the check and found it had been fraudulently endorsed and cashed on  XXXX   XXXX ,  XXXX  at a Bank of America. I then made out an affidavit to start an investigation. I made many visits to my bank over the next couple months and they informed me they were waiting for Bank of America to respond.

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 07-07-2015 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This is a Reverse Mortgage situation. My mother passed away on XXXX XXXX, 2014 and named me Executor. We notified Financial Freedom that our intent was to clear the home of personal property, to make repairs/renovations, and to market the property for sale by XX/XX/2015. We were granted a 90 day extension on XXXX XXXX. Due to miscommunication between Realtor and Trustee, the request for extension with Financial Freedom was sent on XXXX XXXX, 2015 ( due at Financial Freedom by XXXX XXXX, 2015 ) but the request was directed to OneWest Bank, parent company of Financial Freedom. Both OneWest Bank and Financial Freedom deny receiving request for extension and instituted Foreclosure Proceedings on the Estate property. We have provided all documents requested but Financial Freedom simply states they are strictly adhering to the HUD guidelines and will not deviate. Because of this we were forced to list the property without being able to make appropriate restorative action and to accept a below-market price. We now have a contract which shall close on XXXX XXXX, 2015, however Financial Freedom refuses to delay, defer, or stop foreclosure proceedings, with auction date set for XXXX XXXX, 2015. We feel that Financial Freedom has been unwilling to work with us ; we simply requested legal extensions in order to market the property at a fair price in line with local comps.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with Alliance Data Card Services (DC).
Issue: Billing disputes

Complaint: Abo ut 7-8 y rs ago I went to a casino in  XXXX  and signed up for a MasterCard/Total Rewards at   XXXX   XXXX   XXXX   . I a lso signed up for insurance coverage agreement that came with the card. The agreement states that through   XXXX   XXXX    XXXX   ( a product of Comenity ) if I becam me  XXXX  the bal ance would go away, and they would not harass me for money. I became  XXXX  and provided all the requested info to collect the money, but the insurance/credit card people kept asking for more docs. I am owed {$2700.00} that should b e removed from my credit and my credit score should indicate that this was an error by Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Trouble during payment process

Complaint: I am writing this letter in regards to a two issues I have had with Carrington mortgage but primarily due to a recent 30-day late payment. Initially in XX/XX/XXXX I came home from XXXX for vacation. I received several letters saying I was 90 days late on a mortgage payment. Carrington did not process my correct account and routing number to take the automated payment. I called and complained and I was told by the customer rep. that the problem is resolved. Carrington not getting my proper account number then saying I was late was unacceptable. Thankfully this issue was fixed. Then in XX/XX/XXXX I set up an the same auto payment for the same mortgage, with the same system. I double check the account number and the rounting, and their system also have a check system too. When I logged in to set up the auto pay for XX/XX/XXXX, it would not allow me to set up payment for XX/XX/XXXX. I have no idea why. The verbiage was a bit confusing and I thought it was saying that it would take out both payments in XX/XX/XXXX since it would not allow me to set up payment for XX/XX/XXXX. Apparently this was not the case. I just received a 30-day late payment for XX/XX/XXXX. I never got a single phone call regarding the late payment or any paperwork until after the payment was 30 days late. This is a problem I had an XXXX credit score now I have a XXXX. I also had the funds in the account so this was not the issue either. This is a serious problem ; this should be removed from my credit because I clearly have great credit and I always pay my bills. This issue is simply due to a misunderstanding, a auto payment system error and unclear instruction for the payment of XX/XX/XXXX. I am in the process of getting a business loan approved and a home equity line of credit as well. I need this removed from my credit and I need a letter from Carrington saying they authorize its removal so that I can proceed with my loans. XXXX XXXX XXXX XXXXXXXXXXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (FHA mortgage) with Norwich Commercial Group, Inc. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a mortgage with my existing company, Norcom Mortgage, in XX/XX/XXXX and the credit report pulled at that time did not show any mortgage late payments. Due to property availability issues, my credit had to be pulled again in XXXX, this time Norcom reported XXXX, separate 30 day late payment marks on my credit report. Obviously, this came as a surprise to me as two months earlier, there were zero late payments reported. The late payments show up starting in XX/XX/XXXX and run all the way up to XX/XX/XXXX. I have bank statements that show every payment made to Norcom Mortgage from XX/XX/XXXX to today 's date - all of which are NOT 30 days past due. I have tried to resolve this with separate calls to Norcom to have my credit report updated so that I can get a new mortgage, but nothing is happening. It is impossible for me to be approved for a mortgage now with this happening. This puts me in a very difficult situation because now that Norcom pre-approved me to buy a new house, we have since listed our existing home for sale - and have a contract for someone to purchase this house, as well as we have entered into a contract for us to purchase a new home, believing that we have the green light to do so. Now, unless this is remedied quickly, I am at risk of losing both the sale of my existing home and the purchase of our family 's dream home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded my person information without this my expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared my personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace me. I would also like thank the CFPB for protecting her/his Personal, Family, and Household.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: they try to sell me more XXXX and services to make money did not correct information in file all XXXX credit Bareau.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an account with XXXX XXXX XXXX and I asked them for XXXX for TV service. There was no XXXX in my area, so XXXX XXXX XXXX had a deal with XXXX and that 's what XXXX XXXX XXXX gave me. My payments went to who I had a contract with, never paid anyone but XXXX XXXX XXXX and paid in full. Never had credit card, check, or money exchanges with XXXX because I had no account with XXXX. I left XXXX XXXX XXXX, now XXXX tells me I canceled early, and I owe money. I was never with them. I never had a contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On or about XXXX XXXX, XXXX, I paid my student loan in full in the amount of {$2400.00}. By letter dated XXXX XXXX, XXXX, I was advised by XXXX XXXX / American Education Services : " Congratulations! This letter is to inform you that the loan ( s ) on the reverse side of this letter is paid in full? No further payments are required on this loan ( s ). '' Notwithstanding the above, on or about XXXX XXXX, XXXX, I received a voicemail from a representative of American Education Services indicating that there " was a problem with [ my ] account and that I should contact [ him ] as soon as possible. '' Despite my immediate return phone call and voicemail message, I did not receive any further correspondence until XXXX XXXX, at which time I received an invoice indicating that I now have a current balance on my account of {$6200.00}. Shockingly, no information was ever provided to me, and it is my understanding that - without my knowledge - interest was accumulating on this " closed '' account during this time period as well. It is my understanding that payments may have been misapplied by XXXX XXXX / AES, for which XXXX / AES now claims that I have the aforementioned balance on my account. Upon speaking with XXXX representatives of AES on XXXX XXXX, I was informed that " [ I ] was never sent a letter confirming my payoff of the above account '' and, to my disbelief, was advised that no mistake had even occurred. Upon speaking with a supervisor, I was informed that a mistake had in fact occurred, however, XXXX / AES had only discovered same XX/XX/XXXX - my investigation reveals that this information was not truthful or accurate. Despite my letter to AES of XXXX XXXX, XXXX, I still have never received any explanation of what transpired, any correspondence in this regard, or even the courtesy of an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I mailed a certified letter to Transunion on XX/XX/XXXX and was received on XX/XX/XXXX via tracking update. No response as of XX/XX/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 07/19/2016 about Mortgage (Home equity loan or line of credit) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX we filed Chapter XXXX Bankruptcy and walked away from our house because we were under water. In XXXX we finished the bankruptcy hearing and were in an apartment since XXXX XXXX. We never gave the keys to the bank because we were told that there may be programs that could help us save our house. We were denied for a couple of months until after XXXX XXXX XXXX we were offered a XXXX Modification. 
We then went through a series of 3 month trial payments that took 2 years to finally complete. XXXX of the things that the modification required was that we showed proof that our 2nd Mortgage was removed. IndyMac had our XXXX at the time and we had a balance of {$190000.00}. Thy sent a XXXX showing that the debt was charged off. This was enough to satisfy the modification and we were approved. 
Now we wanted to sell our house pay off the debt we currently have and relocate with a fresh start. Our house was in escrow when the title company discovered that IndyMac never removed their lien. This was a complete shock as it never showed on any of our credit reports and we were never sent anything in the mail and never received a single phone call. Even they said that it should be easy to get them to release the lien because they already sent the XXXX. 
I called CIT which bought IndyMac and they originally said that it should be all taken care of. Then they said they sent the XXXX in error. Then they back tracked and said it was n't an error and that I do owe them, unless I have a XXXX modification which should protect me and they could give me a lien release if I could show that it was a " performing '' XXXX which means that I have been paying and it is current ( which it is ). I sent them the loan paperwork and payment history. They said that should be enough and would send it in for review and we should have it all taken care of. Instead they called back the next day telling me that the pool of investors that my modification is in will not release the lien. All of the other pools of investors will release liens just not the one that I happen to be in. This is crazy and does not make any sense. I need to have this lien released so I can move forward with my life. If it is n't I am facing another bankruptcy because I can not sell my home with this lien ( it would have to be a short sale ). IndyMac got bailed out so technically they already got paid. Can you help me get this lien of my title so I can sell??

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016 I sent a Qualified Written Request to Chase ( XXXX ), XXXX XXXX XXXX, XXXX, OH XXXX. The letter requested the following information : " Please provide any/all Broker Price Oprinion ( s ) ( BPO ) that have been solicited/initiated by Chase for specified property. 
Provide the name ( s ), date ( s ) and fees associated with said BPOs. 
Please provide copies of any/all appraisals solicited/initated by Chase for said property. 
Provide the name ( s ), date ( s ) and fees associated with said approaisals. 
Please provide the name ( s ) of any contractors, vendors, brokers, hired or authorized by Chase to enter upon, take pictures of, or gather information of any nature in regard to said property. 
Provide the name ( s ) of any companies, contractors, vendors, brokers, hire, engaged or authorized by Chase to interact with residents of said property for any reason. 
Section 1463 ( c ) - Chase has five days in which to acknowledge in writing receipt of this QWR and 30 days to provide a substantive, detailed response to this QWR. '' To date no acknowledgment or response has been received from Chase regarding this request.

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 Experian Information Solutions Inc. (CA).
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: To whom it may concern, For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (AL).
Issue: Managing the loan or lease

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXXI am a victim of ID theft and this finance company tells me the account number but refuses to remove it from me I have never purchased or signed for any auto financed through Westlake Finacialtheir number is XXXXAccording to the lady my account number is XXXXshe would not even tell me who or where this came from please help me to get this off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was involved in the Equifax 2017 Data breach. I am appalled that so much data was released into the public. It is disgusting that the company delayed notifying the public about this issue so that it 's high ranking executives could sell their stock before it crashed from their mistake. How is this legal? They are also trying to get people to sign up for their " free '' credit monitoring service so that they can have people sign away their right to sue the company. Completely Disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Prepaid card (Government benefit payment card) with NETSPEND CORPORATION (VA).
Issue: Managing, opening, or closing account

Complaint: EXTENSIVE WAIT TIMES TO GET A HOLD OFF MY ACCOUNT. THERE WAS NO EMAIL OR PHONE NOTICE OF HOLD ... ONLY FOUND OUT WHEN TRYING TO ACCESS MY FUNDS. 20 MINUTE, 24 MINUTE, 34 MINUTE WAIT TO GET TO THE RIGHT PERSON. THEY CLAIM TO HAVE INSUFFICIENT STAFF TO HANDLE CALLS ... S O WE DO NOT GET THE SERVICE WE ARE PAYING FOR.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX XXXX started to contact me in regards to a debt that was already being garnished from my wages by the Creditor and tried get more money to be paid. They kept calling me to ask when I can pay the collection and I told them to stop calling me because payments were being garnished. Over the next few months they kept calling to receive money and I told them not to contact me anymore and to contact the Creditor that sent them my information. Still they would not stop contacting me and the Creditor is not doing anything to stop this collection agency from bothering me, even though they are par is bing my wages.

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 03/13/2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (ND).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Chex Systems is reporting on my consumer report a fraudulent and unauthorized checking account from XXXX that do n't belong to me. I am victim of identity theft and someone stole and used my personal information to open up a fraudulent and unauthorized account checking account with XXXX. Attached to this complaints is a police report and letter I sent to Chex Systems.

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 01/13/2017 about Credit card () with Alliance Data Card Services (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief