milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2017 about Credit card or prepaid card (Payroll card) with CITIBANK, N.A. (FL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Hello. Me as well as my partner and Im hearing co-workers have a continuous issue with XXXX bank Salary at sea card issued to XXXX XXXX cruises employees. Since we work for the cruise company clierly we travel a lot and quiet often having problem withdrawing money from ATM or making payments ( is being declined and banks charging you for that ) whether is restorant shop or online. Every time have to call the bank and they say you are in high risk area but they will fix the issue XXXX Ive never complain about any unauthorised transactions and keeping my card details safe ) however its never being fixt right away and you find yourself being embarrassed and looking for solution ( that often coast you more ) how to make a payment at restorant or shop or whenever you might be at the time. So you have to call them again ( from foringh country that calls are expensive ) and then they say that in that case you must wait XXXX-48h. So now you are abroad in situation where you need money but cant get any because of your banks issues. Nevertheless often XXXX.dont solve the issue and you still not able to get any money from ATM so you have to call them again and again. Often happens you simply cant even access your bank because it wont accept your call since you keep trying to call them it says you reached num.of tries. So you just spend you vacations stranded in one place with no money and not able to reach your bank nor that it helps when you do. Imagine situation where you find your self on a night out and not being able to pay your bill then you taking a taxi to ATM but any transaction being declined. Let me be clear-that not just happend once or twice its a constant sruggle even if you tell them you planing to stay in the country for a month few day later your card is not working again.

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 08/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to obtain a modification for this loan since XXXX XXXX and I have not received an answer. I have been working with XXXX XXXX XXXX and recently they sold my loan to BSI Financial Services. I honestly believe that this company has no intention of issuing me a modification for my home. I submitted a modification package In XXXX they review my file and told me I have until XXXX XXXX, XXXX to submit additional doc. I submitted the additional docs on XXXX XXXX, XXXX. I spoke to XXXX XXXX assistant and told him when to anticipate the documents because I was coming back from vacation and they will be submitted on time. I was told that once a modification was in place the property can not be sold. I received documents that my property has been sold. Then I receive document that the sale date was set for XXXX XXXX, XXXX. When I spoke to XXXX at the BSI he assures me that he would check that out and contact me. When we spoke he reassures me that there was no sale date set for my property. Yet I continue receiving court document of a court date. While I am waiting to hear the outcome of my modification, on XXXX XXXX, XXXX, I received a document dated XXXX XXXX, XXXX that they did not received my additional document so they can not issue me a modification and I have 30 days. Well the letter was dated XXXX XXXX, XXXX. So my question is ... 30 day from what date? I have called and left dozens of messages and no one has returned my call. Well, I do not know what kind of game they are playing. But the government need to put a stop to BSI and there unethical treatment toward consumer/borrower. I am in need of a modification for my home. I have a stable and sufficient income and I am more than able to afford this home. My place of employment is XXXX minutes from my home and I stay with my XXXX children. I am asking you to help me to work out this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (CA).
Issue: Managing the loan or lease

Complaint: The month of XXXX 2015, I contacted XXXX XXXX ( XXXX ) that I am going to XXXX for 10 days and told them the countries that I am staying. I did not want to have problem when I am using my card out of the states. 
While I was in XXXX there were times that I could not use my card because they did not accept the charges. 
XXXX XXXX of 2015 I returned and few days later I got a call from XXXX that they have seen some activities that are not normal on my account. 
They read some of the charges and I told them that they were not mine. They indicated that when I receive the bill to fill up their paper work and send it back to the Fraud Department of XXXX. 
Since, I have mailed the same items 3 times. Once regular mail and XXXX registered mail. I have been on the phone with Fraud Department at least 2 times a month. Each time I called it had taken at lease XXXX to XXXX hours on the phone which as far as I am concern was wasted time. 
The issue has not been solved and they want more paper work and they claim either they do not have it or it is lost or they are behind in their work. 
They have been charging me interest and late payment and at one point they told me I am in collection. 
I am tired to deal with the Fraud Department and the people who ca n't read and count. 
I need help to deal with them and my attorney suggested to contact you. 
Please Help! 
Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (VT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get paid once a month due to XXXX. I explained that I can only get paid once a month. After asking them to refrain from contacting me consistently, I get hung up then they call later that day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This bill was paid a while ago.This should not be on my credit report! I have been rebuilding my credit over the past 2 years and I take my  credit score a nd report very serious. This came up today when I applied for a home loan pre-qualification. I  may  be denied because of this and I need this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Other debt) with The CBE Group, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This alleged debt has been transferred several times and this new collection agency has gone a step further and has sent a bogus account detail statement that can not even be read as a piece of evidence stating it is my debt. This letter was sent to my previous address and since my husband died unexpectably in XX/XX/XXXX I have not pursued this but they have been ruining my credit once again and reporting this as a collection debt. The following documents will support this false allegation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: So this is maybe like the third or fourth time Chase has overdrafted my college checking account for an " everyday expense, '' though the agreement I signed explicitly states that in the case of insufficient funds Chase is to decline, not accept my card. It was an option I specifically indicated as such to avoid problems like this. On XXXX/XXXX/15, with the latest charge before being two days before on XX/XX/XXXX, and with an indicated balance of {$4.00}, Chase approved a {$7.00} " everyday expense '' from the local XXXX leaving my account at - {$3.00}. I sent them a message about it, kind of upset because this is the third or fourth time, and they generically responded as though this was n't their fault. I 've had overdraft fees apply everytime before as I 'm sure they 're getting ready to pin me this time ...

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have faxed proof ( XXXX ) and most recently AGAIN to both Experian and XXXX that items on my credit report were either not mine ( I was a victim of identity fraud ) or they were inaccurate yet my score with each continues to decrease. When I try now to dispute yet again, both companies have me locked out so that I ca n't even access it online anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Debt collection (I do not know) with Phoenix Financial Services LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Phoenix Financial Services, LLC. dated XXXX/XXXX/XXXX stating a debt for creditor XXXX XXXX XXXX XXXX XXXX in the amount of {$570.00}. The date of service listed is XXXX/XXXX/XXXX. I have sent XXXX letters to the company asking to verify this debt since I have no knowledge of it. I sent the letters by USPS mail on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have yet to receive a response from the collection agency. I also noticed that the debt is being reported falsely to XXXX stating that the account was open on XXXX XXXX. This conflicts with the date of service listed on my letter for XXXX/XXXX/XXXX. This would allow the collection agency to collect well after the seven year statute of limitations would be expired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: ever since we bought the house in    2009  we had   XXXX   as our house mortgage bank. they sold to  XXXX . I set up my payments to go to the wrong address, I use d one of  the letters I received from  XXXX  but it was wrong address. the first payment  or   XXXX   wer e cashed and I did n't hear anything from them. Until I received a letter stating I was late  one month, I called my bank they said payment was se nt off, my bank then called  XXXX  and we realized I had the wrong payment address. so we put a stop payment on that months payment because it was going to take to long to send to the other address then cash. so I was actually never late, I have proof from my bank that money was available on the  XXXX  just sent to wrong address, I do n't want to be penalized for a mistake on a address, ive never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: At the direction of HAMP solution center at treasure department, I sent modification request to my lander on XXXX XXXX, 2015. Today is XXXX XXXX, 2015. No one has bothered to contact me regarding my request. I have tried to reach out to them and they been told that they have gotten the paperwork and someone would be in touch. Nothing ever happens. ON the other hand, i just got a letter from Trustee, XXXX, that the wells fargo has hired them to conduct foreclosure sale. This double tracking is direct violation of California homeowner 's bill of right. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been contacting XXXX, TransUnion and XXXX since XXXX XXXX, 2017. My information has been compromised as a result of the security breach. I have place fraud alerts on my reports to avoid any more fraud usage on my report. Someone is still using my identity and have been applying for credit under my name and social I have spoken with several employees in regards to this matter and I have been told that there is nothing that can be done to help me. I have sent in Police reports, documents showing that I was XXXX during the time of most inquiries, a complaint letter from the fcra and there is no resolution, I am continuously being told they have not received my information. I sent all documents by fax, upload, certified mail and they will not help 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 08/20/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, 2017 I received a Service Transfer letter from SPS ( Select Portfolio Servicing , Inc. ), stating that my refinanced mortgage account would be transferred to them from the previous servicer, XXXX. I thought this was great since I had written an abundance of complaints to CFPB about the egregious and criminal acts committed against me by XXXX. I researched SPS, and although the company did not receive good reviews at all, I thought that the change would give me a corrected, fresh start. I called SPS and spoke to a representative to get my new account number and she explained several ways I could make my XXXX payment. I was not waiting for the payment vouchers before paying my first and consistent payment for XXXX. I saw in one of the reviews that another new client waited and was sadly penalized. I was told to pay a little over {$640.00}, because I had an unapplied balance from my previous XXXX account. I discussed with the SPS representative that I would be making the payments by XXXX XXXX quick collect at the end of the month, by the XXXX, and the representative gave me the information needed in order to send the payment. I was told that I didnt need to call after I made the payment to SPS, that SPS will see the amount paid and apply the unapplied funds amount to complete the XXXX payment. I also discussed with the representative that the amounts derived by XXXX ; which led to the complaints to CFPB and led to my account being transferred to them ( SPS ), were erroneous. The representative documented and explained that our conversation would be investigated and the investigation would take up to 60 days after which I would be notified. Right after SPS processed my XXXX payment I received a confusing notice. Although SPS just received my account in the middle of XXXX AND SPS is still investigating the payments made to XXXX, SPS put my account in Default status??? Then in addition, I received a statement dated XXXX, after already making my first payment in full with SPS in XXXX. They have no listing of the payment I made AND the combining of the unapplied funds amount on the website. The statement reads : Loan Due Date XXXX Payment Due Date XXXX Amount - {$3200.00} Late Fees - {$390.00} How???? My monthly payment is less than {$940.00}. I have conformation of the payment for XXXX as paid. I pray Im not in another XXXX type company Please dont let that be.. Please Help AGAIN??? Awaiting Your Response, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: During the hurricane XXXX. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 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: XXXX XXXX is reporting a loan that I paid off as being delinquent. I paid the loan off in full in 2016. It is still reporting negatively on my credit. I called XXXX XXXX and confirmed that I did not have any outstanding loan balances with them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax refuses to remove an incorrect entry from my credit report. It would be very easy to verify that my claim is true. This debt was discharged in US federal bankruptcy court on XX/XX/2015. The reporting agency seems to have a very flawed process of " verifying '' that the information they are reporting is correct. They simply ask the agency reporting the debt if it 's correct. If the collection agency says yes, they take their word for it. If Equifax were truly concerned with reporting accurate information, it seems they should hear both sides of the story. Why would they refuse to call attorney XXXX XXXX who represented me in Bankruptcy court and get documentation that the debt was indeed discharged? 
Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX XXXX Or if they do not want to take his word for it, the court that discharged the debt : Bankruptcy ( XXXX ) XXXX Reference Number XXXX Date Filed XXXX XXXX, 2015 Date XXXX XXXX, 2015 Status XXXX Contact Details COLORADO FEDERAL COURT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Please help me get this nagging false report corrected. Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: I paid my balance on my XXXX XXXX credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XX/XX/XXXX. I left the matter alone and was notified with my credit report later that the account had not been removed as promised. I 've disputed the claim with XXXX and equifax XXXX times with each company. Each time the dispute comes back as 'verified as accurate '. This was not the agreement I had made when completing my payments and my credit reports need to reflect that accurately.

Company response to consumer: Closed with non-monetary relief