milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am requesting assistance with XXXX XXXX regarding incorrect payment information on my credit report. The XXXX XXXX XXXX  Accounts I and requesting help in are were opened XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. The payment information history for the accounts opened on XXXX XXXX and XXXX XXXX is incorrect. To start, both of these accounts were paid in full in XXXX XXXX which is reflected on the payment history for the XXXX XXXX account by being labeled as current, however for the XXXX XXXX account there is missing payment history.
In addition, The XXXX XXXX account payment information for XXXX XXXX is reported as current, but for the XXXX XXXX account is reported as XXXX-XXXX days late. This is frustrating because XXXX  accounts had combined payments through XXXX XXXX. Also, how can the months of XXXX be XXXX days late when the previous two months were reported as current. I have been trying to get assistance to XXXX XXXX about this problem since XXXX XXXX. I had first disputed with all XXXX credit bureaus for years and their investigation comes back as correct. I have called XXXX XXXX and can not get a staff member in that dept. They take a message and I never get a call back. I have also mailed them written complaints and have never gotten a response Please help me with this situation. In addition, my perfect payment history since the opening of these accounts is not provided on any of my three credit reports. There should be at least 7 years of payment history. I only have 2 years listed for the XXXX accounts I am requesting help with listed above. Thank you!.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX 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 Credit Reporting 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 CAPITAL ONE BANK USA or any company associate with this account # 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 : CAPITAL ONE BANK USA 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 # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Mortgage (VA mortgage) with CITIBANK, N.A. (FL).
Issue: Struggling to pay mortgage

Complaint: I contacted citi bank after XXXX XXXX for a forbearance on our VA loan to recover from the storm. There was a lot of misinformation and one Rep would say I was in a disaster area another would say no when we clearly were ( XXXX ) the eye of the storm passed right over my county. I was finally put in touch with a manager named XXXX XXXX that assured me I was approved for a five month forbearance and an automatic loan modification after, which he said would be done well before XX/XX/XXXX when my first payment is due. I emailed him XX/XX/XXXX and his email address was no longer working and I have a new case worker who was clueless on anything Id been promised and told me I can apply for the modification but theres no guarantee and it takes at least 30 days. He never mentioned the barage of delinquency and scary letters I was about to get while he is I assume requesting a loan modification. 
I started getting threatening letters that I could lose my house because of the delinquency. I should never have been delinquent if citi had kept their word. I have emails to support my claim of what I was told. I am very concerned about my good credit and my home. I read that VA loans after a disaster should receive a loan mod according to circular XXXX. I ask my new case worker about this and lots of other things via email but I just get form emails back that never answer my questions. Even when I asked a question about the modifucation paperwork I had to fill out he just ignored me. When I call they wont let me pay XXXX because theres a bigger balance due. When I try to pay online it locks out the payment option. I hope you can 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 02-06-2018 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a letter dated XX/XX/2018 from RMCB requesting a past due balance of {$190.00} for XXXX XXXX. The letter did not advise me of my rights to request documentation to validate the charges. I requested documentation to validate the debt RMCB by phone on XX/XX/2018 at XXXX XXXX for the debt in which they were collecting. I specifically requested the dates of service, procedures performed and by whom. The first representative offered to email me this information which is in violation of HIPAA as this information is medical and private in nature. I requested to speak to a supervisor. I was transferred to a supervisor at XXXX XXXX. I expressed my concern about the letter I received and the lack of disclosure of the 30 days in which I could request validation of the charges and my concern an employee of the company would offer to email confidential medical information. As of XX/XX/2018, I have yet to receive any documentation regarding these charges. 

RMCB placed a collection account on my credit report prior to me receiving any correspondence notifying me of this debt. 

Debt validation is a federal right granted under the Fair Debt Collection Practices Act. I was not even informed of this right in the correspondence I received. 

The collection company 's information is as follows : AMCA/RMCB XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ( XXXX ) 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 05/29/2015 about Credit card () with U.S. BANCORP (FL).
Issue: Rewards

Complaint: I have US Bank XXXX personal and business credit cards. XXXX have the annual fee and it is advertized that this annual fee pays for cards benefits. XXXX of the benefits is Bonus Award Night. However they decided to remove this benefit from XXXX cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers. 
I expect the bank to refund my annual fees on XXXX card this year only because they made this change in the middle of my membership year, but I paid annual fees for the full year of membership benefits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Debt collection (Auto) with BHFC Financial Services INC (AZ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: My lender both had an agent impersonate a law enforcement official, and indicate i was going to be charged with a crime. A BHFC Financial representitive posed as a XXXX PD detective who then called me, my parents, and friends, explaining how I was wanted for a crime, and that I would be arrested for not paying my car payment. When asked for information on the crime, a badge number, or any official information, the agent folded and hung up on my family. I have messages recorded verifying the false representation of law enforcement, and also about saying I was going to be arrested.

Company response to consumer: Closed
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 disputed the accuracy of my bankruptcy account on all 3 credit bureaus. XXXX has removed the public record from my file but XXXX  and Transunion keep saying that the information was verified as correct. The type of record is incorrect. I filed a Chapter XXXX in XX/XX/XXXX and as of XX/XX/XXXX the record should have been removed from my report. They keep reporting it as a chapter XXXX. I have sent letters and documentation showing this and they still haven't removed this.

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 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( XXXX ) had put on my credit reports that I owed the XXXX {$6600.00}. 
The company that took over the XXXX, known as XXXX ( XXXX ), attempted to double-bill me for rent on XXXX occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on XXXX occasion. On XXXX other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out 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 05-09-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I am still experiencing issues with USBank. my home is still deteriorating since last year but the foundation has gotten worse since our last flood. I had XXXX companies pay a visit to me to replace my furnace and hot water tank, and I was denied both times due to the foundation and other issues that the flood had caused. I did contact FHA today XXXX/XXXX/2016 regarding this issue, and they recall an e-mail that I submitted to US Bank that was unanswered. I have been searching and requesting the corporate number which all departments have fail to do. so I have no choice but to file 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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08-05-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Deposits and withdrawals

Complaint: Checks that were ordered from my new checking account at Citizens Bank were stolen in transit on XXXX/XXXX/16. XXXX checks were fraudulently written between XXXX creating a - {$2300.00} overdraft in the account. I called the bank immediately upon hearing about the overdraft and filed a police report. I signed and sent affidavits regarding all the stolen checks. Due to miscommunication, oversight, and other errors by the bank, there continues to be a - {$610.00} overdraft in the account and the account is now 'charged out ' even though there is a fraud claim still pending. At XXXX point, the bank mistakenly sent out a 'Fraud Suspicion ' report to XXXX and almost had my current checking account closed. It is now 75 days since I first reported the incident, 49 days since I faxed the first affidavit and 38 days since the last affidavit was sent to the fraud claims department. Very little explanation was given as to the process of filing these claims and how long they would take. Customer service supervisors at Citizens Bank are not returning phone calls. There is little if no communication between the customer service department and the fraud claims department. No one at Citizens Bank can give any time frame as to when the funds in my account will be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is ignoring my requests to investigate, verify and remove some accounts from my credit file that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2012 I lost a good paying job. One that allowed me to afford a mortgage of almost {$1300.00} per. That same month I contacted CitiMortgage to make them aware of the situation ; however the first thing that said that they could not help me until I was at 90 behinds however at that point they will not take payments neither will they take patial payments. Currently they have taken over my title which I was not aware of until someone broke into my home and left a letter on my stove ; indicating they thought the property was vacant but in the meantime ; I was working with the bank month after month, sending them the paper work, the repeatingly kept asking me for. On XX/XX/XXXX I received an email from the bank confirming they received all my documents and that my foreclosure activity will cease while the account is being reviewed ; but that never happended. All the time I was working with CitiMortgage to work with me on a modification they were sending me the paper work but they never actually reviewed my request for modification which I learned today ; which Is why in 8 days I am expected to vacate. I have gone to court at least 4 times to try and have the case rescinded or reopen but the judge finally denied it after my motion to reopen., When I first went, I had no idea who would help me this late in the game ; however I did end up finding a program and when I went to court to show the judge I found a program who agreed to loan me the money to bring my loan current ; the judge denied me. I need to save my home because this is all I have. 

Suggestion requested!

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 04/18/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Rewards

Complaint: Chase Freedom Reward Credit Card / Amazon.com Reward ( provided by JPMorgan Chase & Co. ) Chase decided to close my credit card accounts. At the time of the account closure, I had more than {$200.00} in rewards balances. Chase did not refund to me, nor apply the rewards balance to the balance on the credit cards. Chase " forefeited '' the value of the rewards account. I now owe Chase ~ {$270.00} for the balances on the account. Chase is unwilling to apply any rewards value to that balance. 

I imagine there are a significant number of potential class members who have had their Reward balance " forfieted '' when their account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I paid for and attempted to get my XXXX credit reports and XXXX credit scores from Experian using a product they advertised for {$39.00}. I paid the money and they could not provide the information citing a system error on their part. They say they have credited by credit card for the amount that was charged for this product and told me it will take XXXX business days for the money to be returned to my account. They told me they are not able to provide the product I requested and also do not know when they can make it available to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: On XXXX, I received a mail notification from Chase stating my account interest rate would increase from 10.24 % to 15.24 %, an almost 49 % increase. 

On the statement it claims " We are changing the Annual Percentage Rates ( APRs ) as described below because your APRs are below the lowest APRs we currently offer on similar accounts ''. 

I do not know what these similar accounts are or the criteria for similar accounts might be. The representative on the phone could not adequately explain this to me. 

Also, they state " We also took into account your other Chase relationships when making this change ''. The representative on the phone could not adequately explain how the relationships related to a 5 % APR increase. 

I do not know what the criteria is or how that positively or negatively affects my interest rate. I would like it explained.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had 2 negative credits in my XXXX from XXXX XXXX XXXX that were not mine they they were despite and deleted I got the letter in the mail X/XX/2017 from XXXX then I got a letter from XXXX XXXX XXXX XXXX XXXX. On X/XX/2017  that XXXX XXXX XXXX had sold the previously deleted accounts to pendrick capital partners who then placed it with commonwealth financial systems inc to go back on to my XXXX saying owe them money that I do not owe and again was deleted of off my XXXX. Account number XXXX for the amount of XXXX $ and account number XXXX for the amount of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Monday XXXX17 at XXXX there was a transaction charge on my american express serve prepaid card for {$100.00} from XXXX in XXXX, IN. I contacted american express serve XXXX at XXXX and they explained to me there is nothing they can do while the charge is still pending. I must wait 24-48hr for the funds to post, then call back and file a fraud complaint charge. Then I must wait 10 business days for a provisional credit, while compliant is pending up to 45 days. I explained to company that was my only money and I just received my direct deposit into the account Monday XXXX17. I have my physical card in my possesion, only XXXX card per account and I live in XXXX, WI and was at work when the transaction happen. The customer service representatives were rude, careless and kept me on hold for 45 minutes. I must also go through this process again in 48hrs. I asked to whom may I file a complaint, XXXX the supervisor told me they do n't have a department for complaints. He also stated there was no one that I could speak to above him. Now I am broke, needed those funds to make ends meet. 

XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief