milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX dollars XXXX in fraudulent charges were made using my non-chip credit card number despite the fact that the card was in my possession. I have spent hours on the phone with Citibank over the past several weeks reviewing these charges. My card was cancelled and a new card issued. Citibank does not dispute that they are fraudulent but they continue to show as charges I should pay on my statement. In addition my online statements show no activity on my new card at all so I can not see what I need to pay this month. They want me to manually calculate the charges I owe subtracting the fraudulent charges I 've reported multiple times already Citibank say that if I miscalculate I will owe interest on any underpayment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I had a home discharged through the bankruptcy courts in XXXX. Now, I have XXXX mortgage companies harassing me over the unpaid debt. I have written them numerous request to cease and desist and yet they continue to harasses me on a weekly basis. XXXX XXXX has gone to the extent of repeatedly calling me on my cell phone over this debt. I would like this to stop immediately. I would also like to know if I can file suit against these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX I submitted all my documents to Chase for a loan Modification. 
In XXXX XXXX I fell behind on my payment. I called Chase and told they that as soon as I got my income tax I would make 2 payments. So in XXXX XXXX I did so but as soon as I did I was denied for my modification. In XXXX XXXX I was told by chase to stop making my payments to qualify for the modification but now they have no record of it. they told me in XXXX XXXX when I called back Chase to see what was going on I had n't heard back them that it would n't matter that if I did n't get the modification Chase was going to foreclose on me anyway. At is why I am over 4 years 7 months behind on my mortgage. I have been denied for bring my account current, XXXX XXXX I was denied for being 12 month behind on my mortgage and I was n't, them I was told then did n't have a program to work for me. Now after 4 1/2 years I 'm being told that I should have reaffirmed my debt before applying for a modification. I worked with XXXX XXXX XXXX XXXX in XXXX, I have worked with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have a number of other ones and just went back through XXXX XXXX XXXX XXXX again. How can all of these housing counseling companies HUD and Making Home Affordable and they tell me that I qualify for the Loan Modification for the last 4 1/2 years but Chase ca n't. I need to save my home. They have put a sale date on my home for XXXX/XXXX/XXXX and was only told XXXX XXXX/XXXX/XXXX This is wrong I have everything I can do to save my home but Chase just does n't want to work with me. Please can someone standup for me instead of the banks. I have turn to everyone for help and everyone stand up for Chase

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit card () with DISCOVER BANK (NY).
Issue: Delinquent account

Complaint: Discover card has reported me to XXXX, XXXX and XXXX as having been 30 days late, I never received a statement from Discover and sometimes do n't get all of my mail and that is why I requested electronic correspondence ( not statements ) and alerts to let me know that I have a new statement, payment, payments when the card is not present etc. I have this with all of my other credit cards and I have an absolutely perfect credit history but unfortunately Discover did n't alert me of a payment due and I did not receive a statement so I was alerted by experian ( I use all XXXX agencies to monitor my credit ) that an event occurred on my credit bureau when I say that Discover reported me for being 30 days late I paid the account in full which was only {$170.00} and spoke to a representative and discussed the situation, they understood but claimed that they could n't help with the lateness, I then called back and spoke to a manager and he told me that my account was NOT set up for electronic communications and then set the account to do so he also told me that he could n't do anything about the past. I continued to discuss the situation but they were unmoved by the situation I have a perfect credit history that I always worked very hard to maintain that has been ruined by this blemish which in some cases dropped my Fico score by XXXX points, I really need somebody to step in and make sense of this situation to the agencies that report credit history and have them understand that the reason this happened is because they failed to accommodate my request to send corespondence via email.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Other debt) with Perfection Collection (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I obtained a copy of my XXXX credit report and noticed for the first time that " Perfection Collections '' had reported a delinquent collection account on behalf of XXXX  since XX/XX/XXXX. My XXXX account has at all times been current. I contacted XXXX  the same day, who indicated my account was not in collections. On XX/XX/XXXX, I contacted XXXX at Perfection collections via e-mail and phone ( XXXX ) who said the debt was from XXXX  and XXXX tried to tell me XXXX opened a new account for me and this was for a different account at the same address. My XXXX   account has never changed. On XX/XX/XXXX, I contacted XXXX collections department. XXXX did an investigation. OnXX/XX/XXXXXXXX called me and said " XXXX  NEVER placed my account in collections and further that Perfection Collections is NOT among the debt collection agencies used by XXXX  ''. XXXX  then contacted Perfection Collections to resolve the issue, but kept getting the Perfection Collections voicemail.

To date, I have never received any written notice of debt or even a phone call from Perfection collections. I would never have known without my credit report. My score has dropped by over 80 points because of this erroneous debt being reported by Perfection Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (I do not know) with AllianceOne Recievables Management (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Yet another call from Alliance One, this time it was XXXX XXXX in XXXX ... se said they would remove me from the data base ... same thing they said last time i complained. 
PLEASE REMOVE my number from your data base, i have had this number for over 3 years ... I am not your debtor Previous complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Sir/Ma'am, On XX/XX/XXXX and XX/XX/XXXX an unauthorized person went into one of Chase Bank 's branch located in XXXX XXXX , Texas and withdrew {$5000.00} from my checking account. 

1. At time of theft I never lost my chase Debit, hence I was using my card to make purchase not knowing that someone got into my account. 
2. I realized that my account was being compromised on XX/XX/XXXX,  then I informed chase bank. 
3. I informed the XXXX XXXX Police Department immediately and investigated started. 
The police investigation revealed that a lady went into the bank 's ATM and withdrew money from my checking on both occasions ... as captured by Chase bank camera. 
4. The bank failed to call/text me on both transaction during theft. When I asked a chase representative why I was not informed before releasing such a huge amount of money to a theft, the representative told me it was a technical error. 
5. I contacted the chase executive office repeatedly to review my claim and make refunds for the {$5000.00} chase told me since it is a chip-on-trip transaction by the thief, I might have given my card for someone to use for this transaction. 
6. The XXXX  Police Officer that worked on this case during investigation told chase executive office that staffs from within chase bank compromised my account based on her evidence. 
7. According to Police Investigation, transactions I carried out during the time of theft showed that I could not have been at 2 locations at the same time. 
8. It has been almost 90 days since the incidence took place and Chase Bank can not come up with one logical reason why they denied my claim. 
9. I am a XXXX veteran, rely heavenly on that XXXX check for my upkeep and family. If I had sufficient funds I might have taken this matter up legally. 
Please see the attachment below for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: We recently sent a letter to XXXX and Trans Union, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not. We are attaching a copy of the letter that we sent to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Medical) with United Revenue Corporation (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 12/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a modification numerous times, twicw in XXXX, the interest rate used is 2.00 % to calculate the modification which is the rate as at XXXX, effective XXXX XXXX, the interest rate was 3 % & effective XXXX XXXX, the interest rate will be 4 %. The underwriters used {$160.00} for XXXX dues & I do not have XXXX on this property. XXXX dues are on XXXX vacant land which I own & clearly stated so in the modification application. The denial is the same as the XXXX XXXX using the old interest rate when the loan became in default XX/XX/XXXX.There are numerous waterfalls which would allow a modification approval. foreclosure sale date ofMarch XXXX, XXXX. I will be forwarding a copy of this email to the Florida XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In 2014, I sold my home that was financed through Bank of America. Although the foreclosure process had started, I sold the home for a price that would cover the entire balance owed, interest generated and fees accumulated. Prior to closing however, Bank of America forced me into a Short Sale scenario but sending out the Escrow for insurance that was n't due for another month and by their attorney having increased fees. The attorney also did n't respond to a request for payoff for over a month that accumulated more in interest fees. Although the payoff was only {$2200.00} short because of their actions on a {$170000.00} amount, they have reported it as not paid in full on my credit. They have refused to reexamine the situation or refund the additional amount of interest because of their attorney 's actions. I was not able to use HARP as I was self employed. They refused to modify my mortgage loan 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 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX/XXXX XXXX is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. And they will not remove this account from my profile. I have asked them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.

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 08/16/2017 about Mortgage (Conventional home mortgage) with American Financial Resources, Inc. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX we signed a contingency form providing our $ XXXX. deposit. On XX/XX/XXXX we, my sister and I submitted an application for a mortgage. As of today 's date no definite response has been provided from the mortgage company AFR, American Financial Resources. On XX/XX/XXXX our contingency date was up on our mortgage commitment. We were told that the appraisers had sent an incorrect form, then there was a problem the AFR could not open the file sent from the appraisal. Our realtor applied for a two day extension with the sellers, as we were told that the appraisal had held back the commitment of the loan. On XX/XX/XXXX we signed a second contingency form as there was still not commitment forth coming. The reason given for the lack of commitment was the underwriter was on vacation and the loan was sent to another examiner. On XX/XX/XXXX we signed a third contingency from the reason given the loan processor required a change in the insurance policy of the complex. I would have thought the insurance policy of the complex should have be reviewed at the beginning of the loan origination. My sister and myself have signed numerous letters of explanation as well as provided numerous pay stubs and bank statements, employment verification 's. I do realize that this is part of the loan process. However, my sister received a phone call from one of the examiner 's he said he was calling the utility company to verify her balance with the utility company. When all parties were on the line he asked the representative if she was delinquent on her account. It turned out she was on a payment program. She lives on the east coast and heating raises the bill during the winter months. My addresses were verified as far back as XXXX. Almost twenty years ago .... I was also asked if I was ever married. Then I was asked how many times. I am applying for a loan based on my income. My marriage ended in XXXX. We have both felt under excessive scrutiny, and delay tactics. The complaint is about two things : First the length of time for the approval Second, is there a scrutiny tactic at work here based on sexism? I would appreciate the follow up service you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern : on XXXX XXXX we refinanced our house with new penn financial, shellpoint became the mortgage servicing, on XXXX XXXX they claimed they paid {$7000.00} on XXXX insurance, why? I do not know they have not given an answer. Our insurance premium is about {$150.00} a month, we had only been 12 months with this company there is no way we owe that amount. Our escrow got short now our payment went up {$500.00}, since we only pay whatever we agreed, we keep receiving letters of default and we are loosing our house. I have been fighting this company for seven months calling them every week in up to today I have not got a decent answer. We have never missed a single payment, this is very extresful situation and obviously they do n't care on fixing this problem. Thank you for your time I hope I can get some kind of help resolving this matter.

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 01/26/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MI).
Issue: Using a debit or ATM card

Complaint: I was making a small purchase with my PayPal account, when the product I bought was defective, so I logged into my PayPal account to submit a complaint to the company I purchased it. From there I noticed my PayPal Credit ( which I never wanted ) had a large balance, {$1400.00}, as I looked into it, someone was able to rack up that amount in gift cards back in XXXX ... I never any type of notification or phone call from PayPal about these transactions that all happened on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (Medical debt) with Receivable Solutions, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My wife XXXX XXXX was in XXXX XXXX Hospital from Thursday XX/XX/XXXX through Sunday XX/XX/XXXX. Without our request, the hospital admitted my wife to a semiprivate room on the XXXX XXXX. My wife is not a child ( DOB- XX/XX/XXXX ). We disputed the {$300.00} co-pay for the semiprivate room with the hospital with XXXX last name unknown on XX/XX/XXXX and XXXX last name unknown on XX/XX/XXXX. Both of them promised us a response from a supervisor at the hospital. We got no response. Instead we got a collection letter from Receivables Solutions , Inc,  XXXX XXXX XXXX, XXXX, South Carolina XXXX. 

We should not have to pay for a semi private room on a children 's ward that we did not request. Only the geniuses at XXXX XXXX Hospital can explain how my wife was placed in this room. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (I do not know) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP HARASSING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Vehicle loan or lease (Loan) with Avid Acceptance, LLC (IN).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: This complaint is from a prior complaint from XX/XX/XXXX on the same company. Later that afternoon I received an email from XXXX XXXX the account manager sending me a delinquent account notice That my account was past due and the payment was due on XX/XX/XXXX. Now if I am not mistaken, when I made my {$200.00} payment at the end of XX/XX/XXXX, that payment cleared on XX/XX/XXXX, that bought me to current according to customer service. I told them I would call in the make my next payment which would have been after XX/XX/XXXX. That is the payment they took out of my account without notice and after I stated do not take any more money out of my account, I had to contact them to make them put that money back because I already had that money in budget for someone else and I would make my payment by XX/XX/XXXX. They ended up giving my money back on XX/XX/XXXX. During my conversation on XX/XX/XXXX, I told them I do not want the auto pay and I will call in my payment. I called on XX/XX/XXXX to make my payment of {$190.00} and stated I will make another payment by the end of the month. Again on XX/XX/XXXX, they went into my account against my wishes creating over drafts that I am responsible for. That money was budgeted to put my car in the shop and I did not know what was going to be charged. My car note $ XXXX monthly and they got their money on XX/XX/XXXX and XX/XX/XXXX. Then that is when I get another email from XXXX XXXX XXXX saying " Just reminding you that your car payment was due on XX/XX/XXXX. You can pay online, or feel free to call into the office at XXXX with your payment information and we would be happy to get it submitted for you. I was advised in the past that they do not keep your payment information in the system once the payment has been rejected then they have to put the information in the system again and basically verify. I use to get notifications that the payments were coming out but now I do not get anything up until now.

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 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: First XXXX and my last name not right on my credit report hard inquiries not matching

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sirs : I am filing a complaint against Wells Fargo for denying me a loan modification and for denying me an appeal, as well. 
I believe that I am entitled to a modification because my son, who is co-borrower, lost his jobs on several occasions and was denied unemployment. Although he has found other employment, He is not earning as much as before. We have gotten behind in payments and we are not able to afford the mortgage. 
If you could stop the foreclosure process and make my payments affordable, I will be grateful

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