milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They have sent me a collection notice for {$440.00} and this is supposed to be the final amount due for water and some minor miscellaneous charges from an apartment that I lived in for one month 's time. There is absolutely no way that my water bill was that much for one or two months. They averaged about {$82.00} a month while I lived there. I have asked both the apartment and the collection agency repeatedly to send me a statement itemizing the charges. It has been 9 months since I moved out, and I can not get the statement. I called the apartment, and they say that they made an error and it should be about half that, and they told me that they took care of it with the collection agency, however, I just received another statement from the collection agency with no correction. The collection agency then sent a collection notice to my son who was a minor on my lease, and that is absolutely wrong. Any communication with this collection agency is just completely unhelpful. They yell at me that they can not make the apartment send the statement, and refuse to provide it. I told them not to call me any more, and they said they would call continue to call me. Bottom line, I will pay what I owe, which should be around {$200.00} but I can not get an accurate statement showing me what I owe. I need the statement, and I need this item off of my son 's credit, as he was a minor child listed on my lease as a child, NOT a responsible party.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: report incorrect debts on my report and refuse to take accounts off

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with the bureau and supplied them with a copy of my police report, the account was removed. However, the bureau re- inserted the entry without informing me- when the account does not belong to 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 non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Loans in my name and never paid back or late payments .... hacked my bank account and I had to get 3 new cards

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: ALL CREDIT AGENCIES VIOLATED FCRA REPORTED OUTDATED ACCOUNTS/ NOTMINES ... '' XXXX ( XXXX XXXX ), XXXX ( PUBLIC STORAGE ), XXXX XXXX , PUBLIC RECORDS ( XXXX, GA ) ..REMOVE ALL FROM FILE

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (IL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: A Citibank ATM destroyed a check I attempted to deposit it in. Call center workers would not assist me. They told me to speak with someone in the branch, even though all branches are closed at XXXX, when the problem happened

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 04/19/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: Sir/Madam, I have applied a Credit card as name Chase Freedom Unlimited card Reference Number XXXX, Today I got a letter from Chase that my application is unable to approve my request this time with a lame reason " Too many credit cards opened in the last 2 years with report provide by XXXX XXXX why they gave me false information because as per my knowledge I got only XXXX credit cards like Chase freedom, XXXX XXXX, XXXX XXXX and XXXX XXXX. and XXXX credit cards are totally paid out on right time within their promotional period. As per more attractive beneficial benefits more than my previous card so I applied this card.As per good credit customer I have right to access switch my product for more benefits to new product.If chase do n't want my business then I will close all my debit credit cards account from Chase in future. 
thanking in anticipation XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing statement

Complaint: An individual has placed my email on their chase account and I continue to get late notices for the account. I have called them and advised them that I do not have access to log into that person 's account and take my email off and I am not on the account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Mortgage) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Citizen 's Bank Mortgage ( XXXX ) XXXX incessantly calls my phone numbers starting on the XXXX of every month if the mortgage has n't been paid by that time. Today, XX/XX/XXXX, I spoke with a representative in the morning because I called in to ask why my mortgage payment went up ; I had to ask numerous times to be transferred to someone who could explain the increase before actually being connected with that department because the representative was incessantly trying to pin me down to a date when I would make my payment. When I told him I needed to check my checking account before providing a payment date, he angrily responded, " Well, sir, the phone calls are going to continue then! '' Sure enough, by the end of today, I have by now received a minimum total of 6 phone calls between my cell and home phone from XXXX ( and possibly more ). The messages they leave are 1.25 minutes long and do n't include any talking voices, just dead air space, until the last 15 seconds. When I called later in the evening to inquire about the harassment, another representative was equally as rude as the representative I was forced to speak with earlier in the morning. She was talking over me when I was trying to speak several times, was argumentative, and explained that they could call " 4 times for each phone number '' that they had on file for me. In the end, she hung up on me. It is clear to any reasonable person, based on the conversations today and based on the number of calls I typically receive each day whenever I 'm late on my mortgage, that the phone calls are designed to harass. Clearly, the purpose of the frequent calls is above and beyond pure communication with the customer ( me ) ; they are designed to be harassing and annoying. For this, Citizen 's Bank needs to get an earful from the authorities, and they need to apologize to me. I would also like for them to modify this abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I started re modification process through XXXX XXXX XXXX. My lender is : RUSHMORE LOAN MANAGEMENT SERVICES XXXX. XXXX XXXX XXXX, CA XXXX TEL XXXX, FAX XXXX LOAN OFFICER : XXXX XXXX LOAN # XXXX The problem I am having with them is that the re modification is taking for ever, they asked for all sort of documents, when sent to them they denied it was not seen, when resent they wait for a while and request for the same documents after confirming the documents were received. I am suspecting they are wasting time so that they can be able to foreclose my house. I was behind because I lost my job and I got a full time job now. My wife has a XXXX XXXX since XXXX it is only me that is working in my household. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Requested Equifax to remove accounts past 7 years per law and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Sale of account

Complaint: In XX/XX/XXXX I received an alarming call from Portfolio Recovery Associates ( XXXX ) telling me that they were about to take me to court over my XXXX account -- which due to financial problems and XXXX -- had fallen into collection. PRA had bought the debt. Never having been in collection before, I panicked before asking for proof of their account ownership, and set up a payment of {$100.00} per month and a settlement of {$600.00} which had been originally a bill of {$800.00} owed to XXXX. I paid them from XX/XX/XXXX to XX/XX/XXXX. I was told at the time that I would be sent a letter of pay off - which I have never received. I am now on better financial footing and cleaning up my credit - I called PRA to get the letter and now they say they have no record of my account or payments. I told them I have the bank statement. They said that perhaps they had credited the payments to another account - but what worries me is that they have no record of my account at all. They told me to call XXXX to make sure they had the debt. So I called XXXX and they told me that they sold the debt - but could n't tell me to whom, or my old account # but they could call the buyer and they would contact me. Well, it 's been XXXX months and no one has called. So, I called PRA again this week they are still insisting that they do n't have my information, but to send them the bank statement - which I have done as of this Monday. the bottom line is that I can not figure this out, its still on my credit as open - and I am out {$600.00}. Please help me!.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Hello, My Citibank credit card was charged {$290.00} on XX/XX/XXXX by an Internet merchant named SP XXXX XXXX XXXX. I notified Citi on XX/XX/XXXX this transaction was unauthorized. On XX/XX/XXXX, Citi provided documentation from the merchant alleging merchandise was shipped to my home address and the transaction was deemed valid and applied to my account. I assured Citi I neither ordered from this merchant, nor received any merchandise. Also, the email address on the order is unknown to me ( XXXX ) and the IP address indicated the transaction was from Michigan. I was nowhere close to Michigan. I reassert I did not participate in this transaction nor did I authorize anyone. I urged Citi to obtain the carrier information to support my claim. Are you able to assist as I believe the merchant has falsified documentation in order to avoid a chargeback?

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
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Struggling to pay mortgage

Complaint: I have been attempting to obtain a loan modification for years. Recently, there was a sale put on my home which I had the sheriff push out two weeks twice as they will only push out the date for  two  weeks. However, Nationstar will not budge needing 37 days before the sale to review my request. I had submitted a complete application several times now and it is not getting reviewed.  <P/> . We purchased this property almost 38 years ago in  XXXX  of  XXXX . I always worked hard and was able to pay our mortgage and obligations on time. We originated this loan in  XXXX  of  XXXX  increasing our debt so we could make necessary repairs to the home and some upgrades. We fell behind in  XXXX  of  XXXX  after we had depleted our savings for months for legal and attorney fees for our son. Because of his legal issues, we have full custody of our granddaughter. Also, his wife and  XXXX  children had to move in with us having nowhere to go. Our monthly expenses tripled not only food but all utilities.   From all the stress over the past 4 years, I have had ongoing medical issues with  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  &  XXXX   XXXX . I see doctors on a regular basis. All the copayments and monthly prescriptions have added to my increase in expenses as well.   Our property value was estimated at {$230000.00} and at this point with the arrears owed from  XX/XX/XXXX  , we owe close to {$440000.00} but please understand, we are now a family of  XXXX  living in this home and have all been through  XXXX  and back. After being here almost 38 years, to move would be devastating. We wish nothing more than to keep this home we love and need so much.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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 filed a report last year to remove a debt in collection because I did not owe the debt. I contacted the collection agency and all credit reporting agencies. The debt was subsequently removed.   XXXX   XXXX   and the big  XXXX  credit agencies allowed the debt to reappear with a new debt thus re aging a debt that I do not owe and putting me in the same situation as a year ago requesting the debt to be removed from my credit.

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 05/17/2016 about Credit card () with STERLING JEWELERS, INC. (TX).
Issue: Closing/Cancelling account

Complaint: JARED 'S JEWELERS CLOSED MY CREDIT CARD ACCOUNT THAT HAD ALWAYS BEEN IN POSITIVE STANDING FOR OVER 3 YEARS. I NEVER RECEIVED ANY NOTIFICATION BY PHONE OR MAIL THAT MY CREDIT CARD ACCOUNT WAS GOING TO BE CLOSED. I HAVE BEEN AN OUTSTANDING CUSTOMER WITH THAT CREDIT CARD ACCOUNT. I WAS EMBARRASSED WHEN I TRIED TO GO AND MAKE A PURCHASE AND THE CARD WAS DECLINED. I FELT AS IF THE COMPANY WAS DISCRIMINATING AGAINST ME BECAUSE OF MY CREDIT RATING OR SOME OTHER FACTOR THAT MADE THEM CLOSE MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with Climb Credit Inc. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Please read all the way to the end. This is a continuation of a problem and I called in about my concerns. 
My wife and I applied for loans on XX/XX/XXXX with Climb Credit. They approved my wife and had her co-sign on my loan for approval.We started at our XXXX school ... XXXX on XX/XX/XXXX, and right away we knew they did not live by their motto. They said they would be with us every step of the way. We contacted Climb to ask about switching schools, switching classes, starting over etc ... any possibilities because we left our jobs and took out 30k in loans. They said they would get back to us the next day ... we never heard back from them. I sent a couple emails out asking about the possibilities and never heard anything until XX/XX/XXXX when an email was received that we had been withdrawn. I immediately called and no one could help right away. The fact is we never withdrew ... We never signed any papers stating we wanted to withdraw .... They never spoke with XXXX..EVER ... they took a payment that should not have been withdrawn from our bank account. XXXX XXXX said they initiated the withdrawal until we mentioned CFPB and attorney and they quickly stated Climb initiated it. We are filing a separate order against XXXX XXXX. They lied and said because of attendance. We missed 2 days at the time they initiated the withdrawal. We left our jobs, we have lost wages, maxed our credit cards so we can try to maintain our dream of schooling, and now we are expected to pay Climb back for the portion Climb took out of the loan .... No one has ever heard of a school withdrawing anyone on someone else 's word. 
Since that time XXXX XXXX paid back most of loan. There is a bigger issue. This goes to Identity theft and wire fraud. We have been in constant contact with XXXX and XXXX. XXXX XXXX XXXX, VP of XXXX ( XXXX ) XX/XX/XXXX took this fiasco on personally. XXXX XXXX looked over the paperwork we sent and agreed there were XXXX loans taken out on XXXX students. Climb some how attached themselves to XXXX and they are NOT associated. Then on XX/XX/XXXX there was a new account on XXXX credit from Climb. How is that possible? We were withdrawn on XX/XX/XXXX? XXXX says they are up to date on the loan so how is it possible we had a loan also with Climb? XXXX loan was closed XX/XX/2017 with XXXX and just confirmed that again today ( XX/XX/2017 ). Where is the money, why were we not notified about the third loan, and who authorized the loan? Why is Climb still pulling hard inquiries and what is the reason they defaulted a loan we do not have? Why are they dealing with us as if they are XXXX? This is serious and we are pursuing this to the end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan was taken off deferment on XXXX/XXXX/17 and a payment was taken from my bank account automatically ( which I signed up for years ago ) on XXXX/XXXX/17 without any notification to me. I had payments scheduled, since I graduated, for XXXX/XXXX/17 and those payments were not taken into account when automatically taking the money from me without my consent. I was never notified that payments would begin again because they claim there was no time. In what world is it OK to just begin taking payments from someone without a phone call or email or letter?

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with XXXX and XXXX/XXXX/XXXX with XXXX. XXXX had refused to stop and was actually class action sued about this activity in XXXX! XXXX removed the information after being contacted. XXXX has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! XXXX also breached my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: In  XXXX  I opened a bank account with Bank of America. I was looking for a loan with an internet company that said they could approve me with a loan but they needed to verify my bank and account info. They tried to make a deposit in my account but it was something fraudulent with my name on it. Bank of America closed my account and wo n't let me open another and I ca n't open one with anyone else either. I did n't do anything wrong other than try to get a loan. I contacted the company and they said that it was n't them who I was talking to and dealing with. They said that sometimes internet companies will use other companies names to give out money but there most of the time fraudulent and not the company they say they are. At this point I did n't know what else to do I did call the actual company to complain but because it was n't that company technically they could n't do anything. I also tried to explain to Bank of America that I was unaware of what happened and that I did n't do anything fraudulent but they still close the account and refused to let me open up a new  one  and now because of this I 'm flagged in some sort of banking system and I can open a bank at any Bank and this is so frustrating I need some help please.

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