milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: While on vacation in XXXX my Bank of America credit card was lost/stolen ( out of my possession without my knowledge and used without my permission ). As soon as I realized the card was not in my possession I reported it lost according to expected protocol. A fraudulent XXXX account was set up on the thief 's phone using their own thumb print and my credit card to set up Touch ID while out of my possession due to what I believe are perilously lax verification processes set up by the card issuer. Multiple fraudulent transactions were made using my card ( possibly using magnetic card swipe, or XXXX, I do n't know because Bank of America wont tell me ) I was rapidly reimbursed by the card issuer for all transactions EXCEPT the XXXX transactions made in the XXXX totaling nearly XXXX XXXX dollars. 
My Card issuer has closed the case, stating that I am liable for the charges, which have been transferred to my new card. It is my belief that XXXX have refused to reimburse my card issuer, ( for obvious reasons to protect the infallible image of their new digital pay method ) and consequently Bank of America have refused to reimburse me. Their decision is not based on fact, truth or lack of trust in me, it is simply based on a bottom line, business model of profit above all. I base my belief on the many media articles I have read, published in 2015, reporting exactly this sort of fraud, which is damaging XXXX XXXX, credit card reputations and has seen a spike in credit card fraud from the expected 0.19 % to about 6 %. 
Despite numerous requests, personally and through a Bank of America representative, to open a new investigation and to use my evidence to prove that I was not in the XXXX XXXX at the time of the purchase this case is still closed and unresolved. Evidence in my defense has not be asked for / disregarded by Bank of America. 'Evidence ' offered by Bank of America has been spurious and unrelated to the real facts of the case that relate to DIGITAL fraud. The bank therefore must demonstrate that they understand the processes by which digital fraud can take place and take financial responsibility for such fraud as a result of their negligently weak safeguards which resulted in an enormous breech of security on my credit card account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing this debt with XXXX XXXX XXXX XXXX ( PRA ) with no resolution. I sent a certified validation letter on XX/XX/18 in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I received a letter stating that this account number xxxxxxxxxxxxxxxx was sold to Portfolio Recovery Associates ( PRA ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/18 and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the XXXX. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX credit reporting agency 's or fax and the other main XXXX have my credit for only two or three years. That 's a lie! My XXXX XXXX card alone I have had for 40 years this makes my reporting on the time of credit shows only two or three years a lie! Both XXXX and Trans Union show my age of credit as two or three years! I want this changed! XXXX agency shows XXXX hard credit inquiries and the other shows only XXXX. I have not allowed XXXX companies to do a hard credit report on me, so if they are there it is False filing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have derogatory mark on my file from XXXX XXXX. I called and got a pay off amount a good while ago and paid it off and suddenly they say I owe $ $ XXXX-If I were paying them off why would I not pay {$2300.00}? This is an error and I want it removed from all XXXX credit bureaus as paid in full. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have always leased XXXX 's in the past but after this I do n't believe I will. I recently returned my previous XXXX XXXX lease for a new XXXX XXXX lease. The next month I had an emergency where in my parents home country of XXXX suffered a massive earthquake in XX/XX/XXXX that brought pain and destruction to many including my family. I went to XXXX once I was able to in early XX/XX/XXXX and stayed til early XX/XX/XXXX. In the mist of buying things for reconstruction, and attending so many families home that needed some form of repair, at a local hardware store someone had stole my identity and I froze my accounts just in case. 

I completely was not thinking about everything in the mist of that moment, but since i was n't in the states I said I 'll be back soon and everything will be okay. Every other company I was in debt with understood my story and did not penalize me other than XXXX XXXX XXXX XXXX. Months stamped late were XX/XX/XXXX & XX/XX/XXXX. 

As soon as I came back i paid them in full for 2 months and they decided to care about my story. I ask that this please be removed from my credit. I ca n't believe this is still haunting me, because I 'm trying to purchase a home and those late payments really effect my score. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: After multiple letters sent to Equifax credit bureu hard inquiries and accounts are still showing please help remove from my credit report. 
The following inquiries were not approved by me and I do n't have accounts with them : XXXX The following accounts should be deleted : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with CITIBANK, N.A. (MO).
Issue: Rewards

Complaint: I applied for XXXX credit card to take advantage of a XXXX dollar rebate if the purchase was placed on the card, I did that and followed all the instructions to get the rebate and now the rebate forms cant be found by the company.

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 01/25/2018 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: This company at phone number XXXX ( XXXX ) XXXX contacted me XX/XX/18 and left a voicemail. They then contacted two very distant out of state family members I dont even speak to saying they were investigating me for fraud. I called the woman and she advised me I had committed bank fraud because I took a cash advance out five years ago, paid it all off but {$200.00} and had changed banks. I didnt hear from anyone since and forgot about it. I didnt deny having this debt. I told her that I had XXXX XXXX XXXX now and am on XXXX and no longer can work, that I have no home, no car and no means to pay for this debt in full right now. She told me that she sees Im a XXXX  and they will take my XXXX license. I told her Im XXXX so it doesnt matter but they cant do that either way. She said she was sending the sheriff to arrest me and that I might get medical care in jail possibly. She then said that I was lying about my XXXX XXXX, I was telling her information about a family member to decieve her and that there was nothing wrong with me and youre not even sick let alone XXXX. I hung up. I called back and asked for her supervisor. She said shes the supervisor in that office. I said I wanted the supervisor not in that office, that everyone has a boss. She refused. I said I dont know how this went so ugly, I just want to know what I can do to rectify this situation. She said I was past that and now it was just when Im going to jail. She told me again Im not sick, Im nothing but a liar, I should be ashamed by myself, Im disgusting and she was sending them out to arrest me for being a liar and hung up. This pushed me into a XXXX   XXXX  XXXX. I know these are terror tactics used to pump people with old debt that has been bought and I will not be bullied but I couldnt even find out what the debt was.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: I contacted Capital One XXXX/XXXX/15 to ask when my promotional 0.0 % APR was scheduled to expire. XXXX informed that it would expire on XXXX/XXXX/15, which was two days prior. I was surprised to hear this, because my XXXX/XXXX/15 statement stated that my APR remained 0.0 %. I told him so, and he said " I am really sorry about that we are trying to implementing this feature online as well as on statemnt ''. I remain uncertain as to when my promotional rate will actually expire, and there is no information to help me on this statement or any prior statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from XXXX stating that I owed them money on a debt. I notified them that the debt was included in a Ch. XXXX bankruptcy and that they should n't be contacting me and they could contact my lawyer for verification if needed. The " adjustor '' transferred me to someone identified as their head legal counsel/attorney who told me that if I did not pay the debt within 72 hours that they will seek criminal charges and my wages, tax return and any income will be garnished as well as freezing my bank account. I informed this person that he could speak with my lawyer and was told " we do not speak with lawyers you can have a lawyer represent you in court. '' I received multiple other calls from then and in XXXX call " XXXX '' accused me of being unwilling to be responsible and pay my debt and said that I will end up paying over {$7000.00} now for their legal fees and criminal charges will be filed against me. I informed her that I knew that what they were doing was illegal and she yelled at me that it was not at which point I said to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: a little while ago I pulled my credit reports and noticed a collection from ad astra on behalf of XXXX. I tried disputing the charge and a week later i got a letter from them trying to settle.I am not about to settle anything i do n't owe!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: After a real estate sale XX/XX/XXXX, I deposited the proceeds check from XXXX XXXX, with the local Wells Fargo branch. The teller 's receipt stated the funds would be available the next day, XX/XX/XXXX. The next day I requested a payoff for an unrelated mortgage, the deposited funds were required for the payoff. I was alerted through email, on XX/XX/2016, that the funds I deposited with Wells Fargo would be held for 10 days, due to insufficient funds on the XXXX Account. I contacted XXXX XXXX and was told the funds were in fact available in the account. A manager from XXXX XXXX has provided me a letter stating the date the check cleared XXXX XXXX, XX/XX/2016. I attempted to get Wells Fargo to try again to remove the hold but was told it could not be done. After the 10 days, on XX/XX/2016, I proceeded with wiring the funds to payoff my mortgage, but because of the 10 day delay I was required to pay over {$400.00} in additional interest. I requested, from Wells Fargo, the additional interest be credited to my account since Wells Fargo erroneously held my money. On XX/XX/2016, I was contacted by XXXX XXXX at the XXXX XXXX branch, that Wells Fargo is prepared to return half of the interest I had to pay due to Wells Fargo holding my funds without my access for 10 days. This is not acceptable to me. Imagine multiplying my amount in question of {$280000.00} by the multitudes of Wells Fargo customers on a yearly basis. This illegal process of " Gaming '' as stated recently in a XXXX court, manipulates my money and probably thousands of other Wells Fargo customers, to generate interest for Wells Fargo. I find this gaming practice unethical and possibly criminal. This complaint constitutes a formal request to investigate Wells Fargo on this practice of holding customers money, after they have received funds in order to generate more income for themselves at the expense of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I applied for citi gold checking account with XXXX promotion offer ( with offer code : XXXX ) in XXXX XXXX. I met all the requirements as per terms in XXXX, XXXX. I got confirmation both before and after application ( before : via phone in XXXX, after : via online chat ) that after I met all requirements and XXXX would post in 90 days ( in XXXX XXXX XXXX. However, the XXXX bonus XXXX did n't post after 90 days, and citi refused to honor the promotional offer when I contacted them back in XXXX XXXX. Worse still, the service fees that incurred during the 3-month waiting time was {$90.00} before I contacted them to downgrade my account. Citi, a bank that I once trusted and liked, not only failed to keep their promises, but also tricked me for the {$90.00} loss. I would like to have this issue resolved, or I would reconsider my business with this bank and let my friends and colleagues aware of this unpleasant and intolerable experience. PS : I did n't record the phone call, nor screenshot the online chat because I never thought this would be a problem. But I do believe that Citi can check out both the phone records and the online chat history on their discretion if neccessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I originally was offered a DOJ principal reduction modification via XXXX XXXX XXXX. Once it transferred to Nationstar, the modification process took over 2 years, and thankfully I was granted a modification. I accepted the trial payments, however when I was advised that I was going to have payments increase over time and also a balloon payment of o $ XXXX, I was not sure what to do. I waited for the actual approval, which I turned in so as not to lose the home to foreclosure. I revisited and modification, and I realize it is just going to be too much for us and I wanted to proceed with a HAFA short sale. I was denied the HAFA because apparently there was a foreclosure sale date posted within 30 days and there would not be enough time to review. This does not make sense as I have been trying to do a workout between XXXX XXXX XXXX and Nationstar for over 5 years! My family and I feel worn out, stressed, scared now because I keep getting notices and people coming to our home saying that we have foreclosure sale dates. I thought that with the Homeowners Bill of RIghts this was no longer going to happen and foreclosure sale dates would be placed on hold. I appreciate that the sale dates have been postponed, however, the fact that the sale date is seen by the real estate voltures is very stressful both mentally and physically. For over 5 years I have been submitting documents in the hopes that I would be granted the DOJ Modification principal reduction. I do n't want to lose our home in foreclosure and I am being proactive in trying to sell the home under the HAFA program. I have paid the trial payments thus far as I was hoping to keep our home but again with the way things have recently changed in my company, they may cut my hours again. The issue with Nationstar is that they have not removed the foreclosure sale dates even though the Nationstar representative assured us that there was no longer a sale date. Apparently in their system, if they see a foreclosure sale date within 30 days they ca n't allow us to review for a XXXX short sale. Why are they just postponing for 30 days rather than postpone until the matter has been resolved? Why would they do this if we are in a workout and also trying to prevent a foreclosure, seems to go against the government regulations. It seems they do this to then say they have granted us so many postponements that we are denied a review? Thank you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (TX).
Issue: Trouble during payment process

Complaint: DiTech is my loan servicer. I have been over the 15 day grace period and charged a late fee. When paying the full payment plus the late fee after the 15day grace period they provide zero options to pay the late fee or put notes for the overage to be applied to the late fee. They keep putting the overage on the escrow or principle balance instead of the applying to the late fee. They claim the process is to call in and have them re-apply to late fee after the payment is made on line. Even after calling them to verbally have the overage re-applied to the late fee they do not provide any confirmation number and they still don't re-apply the overage. This has happened on several occasions. If a mortgage company is to take online payments I find it concerning they do not offer the ability to pay a late fee, and when calling them, it is still not re-applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Other type of mortgage) with TRIAD FINANCIAL SERVICES, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: I was late for the month of XXXX but paid on XXXX/XXXX/2017 for the month of XXXX. The XXXX payment will be a little late due to financial set back.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This is my second dispute on here for Experian. I had mailed and disputed on here recently concerning the different address 's that they had listed on my credit report that was wrong and incorrect. I have printed a credit report directly from Experian 's website that would support my claim. In which I have attached to this dispute. I am again disputing the address ; s that are listed on my personal information section of the credit report. My current address for the last XXXX years has been and still is XXXX XXXX XXXX XXXX, XXXX XXXX. The address 's other than this one that you have listed is not mine 's and should be removed. Here are the address 's that are listed on your credit report that are wrong and needs to be removed:XXXX XXXX XXXX XXXX XXXX , XXXX XXXX.This is my great aunt 's home and mineXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This is a friends house not mine and why is it even connected to me I do n't know. my goodness. 
Address : XXXX XXXX, XXXX XXXX identification number : XXXXType of Residence : Single familyGeographical Code : XXXXThat was the last address. Now I have also have another dispute that has n't been removed from my credit report which is a collection item from XXXX XXXX. Ths collection agency has sent me a deletion letter because the collection account that hey were collecting own should not have been. Could you please process the deletion off my credit report. My Utility Bill and my Drivers License for Verification of Identity is attached. I hope this is through enough for Experian to follow.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IA  XXXX  this do not belong to me and there no contract or my signature.

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