milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit line increase/decrease

Complaint: I 've been a Best Buy card member since XXXX. I always pay my bills on time and even pay more than minimum monthly payment. As of XXXX/XXXX/XXXX they reduced my credit limit from {$2100.00} to {$1300.00}. When I called to inquiry about the recent change XXXX XXXX, new applicant specialist, informed me due my credit report the company must reduce my credit limit. I explained to her the items are currently being disputed and her response was that does not matter. Best buy can not reverse decisions made. This is poor customer service and demonstrates best buy do not value good card members. Furthermore Best buy has failed to inform me of changes to conditions and terms.

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 09/14/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (OR).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Towards the end of XXXX I was discussing the options I had for deferring my student loan payments from Salle Mae, as I am in the process for re-enrolling in school. I was advised that I can take a XXXX month forbearance until my registration was complete and could then defer my payments as a full time student. I thought everything was set up, however I received a notice that my payment was past due in XXXX. I called to confirm that everything was in place and advised it was not, so I attempted to set up the three month forbearance. I was advised that this is a customer service ability but could only be initiated after I made my payment and they could only do a XXXX month deferment. All I want is to be able to do the XXXX month deferment like I originally wanted and for this company to be reviewed for potential lending violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Billing disputes

Complaint: I was unable to maintain a reservation with XXXX HOTEL in XXXX Florida due to an XXXX which would require emergency XXXX as soon as possible. The XXXX indicated that I should not fly before the procedure and that the procedure would need to be conducted under XXXX. 

I would like to also point out the following statement contained on the documentation supplied by the XXXX HOTEL : " Please note that this special rate requires a full pre-purchase, non-refundable deposit at the time of booking '' My monthly statement reflected a deposit in the amount of {$30.00} that was both credited and debited in the SAME DAY. However, the XXXX HOTEL instead charged the entire value of the booking. At no point during the booking process was it ever stated by the merchant that the entire booking was non-refundable. The {$490.00} amount charged to my AMEX account was the FULL COST OF THE BOOKING NOT A DEPOSIT!!!!! It appears that the XXXX HOTEL deceitfully credited back a deposit ( {$30.00} ) in an attempt to extort the value of the entire booking instead.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. I have attached documentation. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. Later, XXXX had another leak related to a XXXX account which gave away my information again. I have attached documentation. Several accounts were opened in my name as well as several inquiries. I disputed the following inquiries and the company responded saying that inquiries had to be addressed directly with the creditor. I mailed each creditor and did not receive a response. I found incorrect information on my credit file and I disputed this directly with the creditor and the credit reporting agency and no investigation was ever made. I followed the rules under the Fair Credit Reporting Act and this agency has not honored my right to dispute the following inquires : AN # XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX AN # XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX previously filed a complaint with the Consumer Financial Protection Bureau and Equifax requested that I mail so identity documents for their review. I will not mail documents through the USPS and allow Equifax to claim no receipt of the requested documents. I am attaching to this complaint all documents they have requested - including a copy of my social security card, current and valid state driver 's license and my home insurance policy showing my name and address of the home insured which matches my home address. I request this process be handled through this government protection agency as Equifax has proven not to respect my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (AE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I currently have an outstanding balance owed to XXXX XXXX for the amount of {$2500.00}. The balance has since been forwarded to a collection agency who is reporting a negative report on my credit. I was enrolled in a repayment plan in XXXX ; however, I am now doing an overseas tour with the XXXX XXXX and have lost communication with the debtor. I want to repay the amount owed however I want to request to remove the negative report from my credit as I was not able to receive notifications of the collections. This issue is now causing a decline in my credit score and will impede me from continuing my education in the future.

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 05/29/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EQUIFAX IS NOT REPORTING PURSUANT TO THE FCBA THE XXXX XXXX XXXX OR XXXX ACCOUNT AS IN DISPUTE WITH NO INFORMATION. IT INSTEAD IS PUBLISHING FALSE INFORMATION THAT PURPORTS I OWE XXXX. IT ALSO HAS NEARLY XXXX FRAUDULENT AUTO LOAN INQUIRIES THAT USED THE FAKE MIXED FILE NAMES OF XXXX XXXX XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian reinserted the XXXX XXXX XXXX Account to my credit report. I have not received notice from this collection agency. They did not send me a dunning letter informing me that they were attempting to collect a debt. This is in direct violation of my consumer rights. Experian did not notify as well within 5 days of reinserting this item. This item should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: We had a loan modification done with Nationstar Mortgage to lower our payments, change to a fixed rate and avoid a foreclosure. But in the long run our payments went up and our mortgage was extended 10 years. Also, I did not receive a copy of the modification.

Company response to consumer: Closed
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Struggling to pay mortgage

Complaint: Our family has been going through financial difficulties due to my employment loss and my  XXXX  veteran husband having many health problems and  XXXX  in a las t 4years. W e have made attempts to get loan modification from our le nder ( Chase Bank ) but  have n't got anywhere with it. So we have decided to short sale our home and try to start new chapter renting out. We got short  sale specialist  realtor/agent helping us with a short sale transaction. We have signed sale contract with people that gave us cash offer for purchase of our home. Appraisal has been done alone with all other required details by lender. And suddenly couple weeks ago we received Notice with  XXXX   XXXX ,   XXXX   foreclosure sale date. Lender has send communication to our short sale agent last Friday  XXXX   XXXX , that they have submitted file for approval/decision on a short sale offer. However they are not postponing the foreclosure sale date. We are very worried about what will happen to our family. We have  XXXX    XXXX    children living with us. My husbands health been declining and he is dealing with a possibility of another  XXXX . He has served 25 years in  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   and had     XXXX  - XXXX      XXXX   in a last 4 years due to   XXXX   he received in tours in a  XXXX   XXXX . Our Lander well aware of our family been military family and my husband been   XXXX   XXXX    XXXX  veteran. It 's beyon our understanding why they are not trying to help and do n't postpone foreclosure date, especially since we are at the last stage of short sale pending approval.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Payday loan debt) with D2 Management LLC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I recieved a call from XXXX XXXX XXXX XXXX ( XXXX ) XXXX concerning a debt from XXXX XXXX XXXX in 2010. He represented himself as a lawyer contacting me on their behalf to collect. I informed him that i had paid this debt and explained this to others that have contacted me concerning this matter. I also informed him that i have in my possession a paid in full letter that could be sent if he mailed or emailed me confromation of who he was and the business that he repersented. He then became rude and stated that he would not mail or email any corospondiance to me and would take this as a refusual to pay and would see me in court. I stated to him that i had visited the establishment that was said i owed monies and was told by its employees that i had no account in their system. He then responded that he would just see me in court seeing i was refusing to pay and hung up the phone. I have contacted my legal represenitive and forwarded this same information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/16 I sent Chase a certified letter disputing accounts XXXX and XXXX. Chase received the letter as confirmed by signature on XXXX/XXXX/16. I repulled my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 to find Chase had not reported the accounts in dispute as required by the FCRA. Furthermore, I sent a second certified letter to Chase stating the same on XXXX/XXXX/16. I received a letter from them on XXXX/XXXX/16 stating they had no record of an account for me and to send my SSN. I did not reply to this letter as it is apparant they already have my SSN if they are reporting it to the credit bureaus and damaging my credit and name.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: ASSET RECOVERY ASSOCIATES, XXXXXXXX XXXX, XXXX XXXX, IL, XXXX, XXXX, CONTACTED ME ABOUT A XXXX XXXX DEBT FROM XX/XX/XXXX. THEY TOLD ME THEY WERE LAWYERS WHO WERE GOING TO SUE ME AND GARNISH MY WAGES IF I DID N'T AGREE TO A SETTLEMENT. XXXX XXXX XXXX XXXX. XXXX ) CONTACTED ME ON MY JOB AFTER I TOLD HIM NOT TO. HE CALLED BACK AND ASKED FOR XXXX XXXX STATING THAT HE NEEDED TO SEND A GARNISHMENT ORDER ON ME. I HUNG UP AND HE CALLED AGAIN. HE CONVINCED ME THAT THE LAWYERS HAD A LEGITIMATE CLAIM AGAINST ME. XXXX XXXX HAD MY SS #, ADDRESS, EMPLOYER INFO, INFORMATION ABOUT RECENT PURCHASES, AND MY CREDIT REPORT. I AGREED TO PAY {$1200.00}. I HAVE MADE XXXX PAYMENTS ; XX/XX/XXXX - {$400.00}, XX/XX/XXXX - {$400.00}, AND XX/XX/XXXX - {$200.00}. MY LAST PAYMENT WAS SCHEDULED FOR XX/XX/XXXX - {$200.00}, BUT I HAVE INSTRUCTED MY BANK NOT TO PAY. I FOUND OUT THAT THEY ARE NOT SUPPOSE TO COLLECT ON THIS DEBT DUE TO THE STATUTE OF LIMITATIONS NOR WERE THEY SUPPOSE TO SET UP REOCCURING BANK DRAFTS WITHOUT WRITTEN CONSENT. I WAS TOLD TO REPORT THEM TO MY ATTORNEY GENERAL ( DONE ) AND YOUR AGENCY. THANKING YOU IN ADVANCE FOR ANY HELP YOU CAN GIVE. HOPEFULLY YOU CANHELP PREVENT THIS FROM HAPPENING TO ANYONE ELSE.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Billing disputes

Complaint: I currently have a discrepancy of {$220.00} on my account. When you add up my current balance transfer and purchase balances, customer service states that I owe them more than I actually do. Every month I need to call in to customer service and speak to a manager to get my balance corrected. I am beginning to believe that the employees working for Barclay flunked out of grade school and are too stupid to know how to add and subtract. I have talked to several supervisions who have seem the error but refuse to fix the error and demand that I pay it.

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Mortgage (VA mortgage) with Sovereign Lending Group, Incorporated (TX).
Issue: Struggling to pay mortgage

Complaint: I started at XXXX at 30 years 4.25 I am now at XXXX at 30 years 2.75 % XXXX dollar increase over a 2 months. 
Did I just XXXX myself? I thought it was something fishy about it. I really did not want to do it. Did i win or loose? 
We like we have been XXXX and humiliated? 
Lets be clear I DID it because I wanted to lower my house note. 
Please advise!!!!!!!!!!!!!!!!!!! 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Omega RMS, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX, I received an collection letter from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I called the phone number XXXX asking about this collection letter for {$2000.00}. XXXX XXXX stated it was for Maintenance fee for XXXX XXXX XXXX. I told him that this debt was n't mine. They gave me the address in XXXX and my daughter and I went to XXXX XXXX XXXX with the letter. XXXX XXXX XXXX said they do not show a timeshare in my name nor ever had my name on a timeshare with them. They said do not pay this debt collection since it was n't a valid debt collection. This bad collection account was put on my credit report in XX/XX/XXXX and was removed in XX/XX/XXXX. I started getting collection phone calls, I reported the harassing phone calls to the police. The Police Chief said to change my phone number. So I changed my phone number. My new phone number is under my daughter 's name and how they got the phone number I do not know. The calls have started back today XXXX. I received in the mail dated XX/XX/XXXX another collections notice from OMEGA RMS. llc Moving forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX. And now they want {$4800.00}. The statute of limitation in XXXX is XXXX years. Enough is Enough. I want the harassing letters and phone calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is once again reporting incomplete information on my credit report. They 've listing a collection company on my credit profile with no name. This is a company that 's so gunned whole of releasing any incorrect information as long as they can stick it to the consumer. 
1. I need to know who are the people that you 're claiming I owe. 
2. Direct Contact Information On this Company 3. The name and number of the person that works for Equifax that 's stating that this account has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (KS).
Issue: Loan modification,collection,foreclosure

Complaint: I called to make a payment by phone to cure a debt of a mortgage that was two months past due. I informed the representative of my intentions to pay in full to get the account current. The representative puts his manager on the phone, who consistently asks why I have not returned some phone calls that were made within the past two months. This manager made degrading comments and refused to accept payment of the past due amount unless the next month 's payment was included. This was not yet due at the time of the phone call. The manner that this representative addressed the issue was both verbally abusive and unwilling to assist in my inquiry. I asked for a fax number, to which this representative asked the reason for sending a fax, and refused to give me a fax number unless I gave specific information about what was to be faxed to the company, and why I was faxing it. The representative continued to make verbally abusive comments, and commented on the presumption that I will not make any more payments until the end of the year. I was unable to speak without being interrupted by this representative who began raising his voice in a manner of interrogation, demanding to know how I intend to make future payments. I have never been belittled as much as I had been in this conversation, and I have never seen such abrasive and unprofessional practice as I did with this company, particularly with this representative. I understand the company 's frustration by the status of the defaulted loan, however I do n't feel that they have the right to speak to customers in a demeaning manner, ask questions that are not related to curing the defaulted loan ( i.e. questioning why I did n't answer the prerecorded phone calls that are sent to me several times daily ). This " manager '' did not give me his name or contact information, and did not help me with this simple resolution of curing the defaulted loan. Before calling, I intended to ask the amount of the principal of the loan, to which the manager told me that this has nothing to do with my loan repayment, and refused to inform me of this amount. I was then told to call back next week to " make sure I have enough money in my account '' to cover the past due balance, which would be over 90 days past due at that time. I have never been denied the chance to make a payment on an outstanding loan balance, and being belittled and talked down to was the main purpose that this representative spoke with me during the phone call that I placed to them on Thursday, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: HSBC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX Why is HSBC refusing to release a lien on a property to which THEY HAVE ALREADY TAXED THE HOMEOWNER ON THE LOSS?? 

On XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX we mailed a Lien Release Request to HSBC. See attached copy of Lien Release Request Cover Sheet. Also see attached Confirmation of Receipt from the US Postal Service showing delivery on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX we were told that this file was being handled by the New York Lien Release Team and given their direct email address to email the docs that we had mailed previously. See attached copy of our email dated XXXX/XXXX/XXXX, the emailed attachments ( current Title Report, Recorded Assignment to HSBC Bank, a fax from HSBC Bank dated XXXX/XXXX/XXXX, and Authorization to speak with our company ), and the response from the Lien Release department indicating receipt of our email. 

We have been calling multiple times per week since then. The reps can not tell us anything except it has not been sent to the county to be recorded. We have requested a response from the lien release team multiple times since this started. No one has ever once returned our phone calls. 

Why is HSBC refusing to release a lien on a property to which THEY HAVE ALREADY TAXED THE HOMEOWNER ON THE LOSS - See attached Cancellation of Debt for the Tax Year XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I have a long lasting relationship ( When Wamu was bought by Chase ) with Chase, however, out of the blue, all of my credit cards were closed by them. I called them to try to find out why and they did n't give me an answer but a very generic " unexpected activity ''. That does n't tell me anything as to why all XXXX of my credit cards were closed simultaneously.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I was shorted XXXX XXXX points on my XX/XX/2017 statement. 

I emailed Citibank XXXX Rewards Customer Service, but NEVER received a reply. 

On XXXX XX/XX/2017, XXXX XXXX from Citibank stated she would respond within 14 days. She NEVER did ... ... 

I was then told by Citibank to contact XXXX. Again, I never received a reply. 

Please explain why I was shorted on my account by return letter to my account address.

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