milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: My mortgage loan is with Bank of America, who is my loan servicer. I am currently in the middle of a loan modification, due to under employment. I was offered a modification trial period offer in XXXX of 2015 thru XXXX 2015, of which I made my trail payments on time and without delay. I was told I would have a permanent modification shorthly there after, but if not to continue to make my payments. I have made payments through XXXX 2015, and then they tell me I do not qualify for the modification because of HAMP rules. I am not sure why they are telling me at the end of the trial period, and not before. Reason being, was because they said they could n't verify I was residing in the home being modified. I provided the bank proof of residency through my utility bill with XXXX, XXXX XXXX ( XXXX XXXX XXXX ). They then requested more financial data and requested I do another trial period to commence on XXXX 2015 through XXXX 2015, but increasing my payment amount by {$800.00} additional per month. They also inform me that my loan will be taken over by a new Servicer, not Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit card () with AMERICAN EXPRESS COMPANY (RI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hi, i had an American Express Gold card that I closed ( with XXXX balance on the card ) about 4 years ago. On XXXX XXXX I got an email stating that my account was past due. I immediately called American Express customer service and told them this card has been closed for years and there is no way it can have a balance. That I have not used the card in years and any thing reflecting on it is unauthorized. I was assured my account was " impeccable '' and it must be a spoof email. i was asked to forward that email to their spoofing dept which i did. A week later I recd a letter in the mail stating the same thing ... which was followed by another call from me to the customer service center and i was told that I was not even the primary card holder on this card and there was no balance whatsoever. Then about 2 weeks later i started getting collection calls and was now told that not only I was the primary cardholder, there was a balance of about {$1000.00} on it. How can a closed card have balance??!!! 
I then emailed their senior executive leadership member to intervene and resolve this case. I got a couple of emails from the executive admin that they will look into the matter and have updated the credit bureau of the error. My repeated requests of a phone call to understand the situation have been ignored. Its been three months and i still do n't have a resolution to my case nor any acknowledgment from American Express that the case has been closed. 
Please help me. I take my credit standing and obligations very seriously and this matter has robbed me of peace of mind. Am i a victim of ID theft? card skimming? what?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is over XXXX XXXX XXXX. This has been removed from my credit file and is being reinserted. It is incorrect reporting. 

XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charged off as bad debt Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance {$780.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 obtained a copies of my credit report from the 2 of the major XXXXredit Reporting Agencies XXXX Experian and XXXX XXXX XXXX. There were XXXX XXXX XXXX XXXX Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the attached, the Bankruptcy Courts emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. In this case, they claim to have validated this information through XXXX XXXX. However, per the XXXX attachment, I have a security freeze on my XXXX XXXX account which makes it impossible to validate that this information is correct. I have asked XXXX XXXX to remove this derogatory information from my credit file, yet they have refused. Considering the information indicates a Fair Credit Reporting Act violation, I need all XXXX information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 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: Public record information inaccurate

Complaint: There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the Equifax, XXXX and XXXX to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a  bankruptcy that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was a preforeclosure on my home XX/XX/2014. The loan was subsequently sold to another lender and the original lender was paid off and the account was closed. I agree that the loan was once in foreclosure and that that it should reflect in the history. However in the current status the loan shows as foreclosure on Experian. This is incorrect and should be reported as closed or transferred not Foreclosure as indicated on the report. I have submit documentation to both credit reporting agency Experian and they refuse to acknowledge their error in the report.

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 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Advanced Collection Bureau, Inc. (NM).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was never informed of my debt though it had been on my credit report for apparently XXXX years. When I XXXX contacted the collections agency they lied and said that they tried to contact me several times. They only contacted my ex husband, who I am NOT in contact with. To contact me then they could have asked my ex for my number, not expected him to contact me instead, in a manor of doing their jobs for them. I can provide XXXX years of phone bills to prove this if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Medical debt) with Bonneville Billing and Collections (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: On  XXXX   XXXX ,   XXXX   in the evening, a collector came to my parent 's address in  XXXX  Idaho. I no longer live in the state, and stated that I was being sued due to a debt that I owe. The collector stated it wa s for Bonneville Collections. The collector shared my name and personal information with my parents and asked wher e I was and was living now. I feel this violates many laws and regulations set out and my privacy rights and was very unprofessional. I have had no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I want to pay my wife 's {$550.00} debt. I called to do so on X/XX/17 but was told that this would not be deleted from her credit report. <P/>We were never made aware of this account, nor given our validation period. <P/>Again, I want to pay this, but only if it 's going to be removed. The adverse effect on my credit report outweighs payment for only an update of paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with ZIONS BANCORPORATION (AZ).
Issue: Settlement process and costs

Complaint: I had just sold my house and was set to close on XXXX XXXX, 2016, however Vectra Bank of Colorado had not released the lien on my house which was supposed to be released 13 years ago when the note was paid off and the mortgage was obtained by XXXX XXXX. It took us, the Title Company out of XXXX, Colorado and mostly myself to call the bank fill out all the paperwork and talk to them daily if not 2-3 xs a day to get the lien released so the sale could go through. The lien was not released until 10 days later on XXXX XXXX, 2016 I lost over XXXX dollars because my house could not close on the XX/XX/XXXX because they Vectra Bank had not released the lien which was suppose to be released 60 days after the note was sold. I am upset because of the loss of money, I could use that money, and the bank does n't seem to care whether or not they got the lien released or not. I think this is ludicrous. If I were to run my business this way, I would be out of business. I think that Vectra Bank should be made responsible for my loss of monies since they are at fault for not having the lien released several years ago..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not notified in writing of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Due to the recent lawsuit against Navient, I would like my student loans verified. I am very concerned about the recent allegations. If you are unable to verify my loans, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Credit card debt) with First National Collection Bureau, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: first national collection bureau sent me a letter on behalf of XXXX XXXX XXXX original creditor is XXXX XXXX ending in XXXX ref number XXXX total due is XXXX. this is not my account nor did I ropen this account ever in my lifetime,. It is n't on my credit report nor has it ever been listed in my credit report ever. they can be reached at XXXX XXXX XXXX. they do n't want to heart me all the want is my XXXX XXXX XXXX XXXX XXXX XXXX money. XXXX them I do n't owe them. They have a very poor rating as a scam company after researching on XXXX. this is the 4th letter I have received from them in four years .. I would like it if you can help me purge myself of these insidious predators. working in a bolier room to steal mine and others money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other

Complaint: I have been a credit card holder at Chase since 2006 under the Chase Freedom card. Upon review of my account, I called to inquire to see if I could change my card to a XXXX card, so I could benefit from the travel rewards that are gained through purchases. I went online and saw that they were offering XXXX points for the first {$4000.00} purchased in the first XXXX months, as well as various other features. During my phone call the woman who assisted me told me that she could change my account to the XXXX without an issue. I asked numerous times ( the call was recorded ) that as soon as I receive my card that after I make a {$4000.00} purchase that the XXXX points would be applied to my account. She said yes. I confirmed a few more times, and she said yes. She also stated that she would keep my existing 9.24 % APR, and wave the {$95.00} fee for the first year, which was another feature advertised on the website. I received my card yesterday, called to verify it was up and running and that I could make the {$4000.00} purchase to gain the XXXX points and was told that the XXXX feature ONLY applies to new customers, not an account switch. Not at anytime was this told to me, but rather the complete opposite, and it was confirmed multiple times. I explained this, asked to speak to a supervisor, and was told that the {$95.00} fee was going to be waved, as well as keeping my 9.24 % rate, but the XXXX points would not be given after my purchase of {$4000.00}. The supervisor told me that was only for new customers, I explained that my conversion, on a recorded line apparently contained incorrect information. The supervisor said that they would pull the call and 'reprimand ' the customer service individual who provided me with the wrong information. None of which solves my issue. I explained I was a customer since 2006 and if this was not honored I would be closing my account. They did not seem phased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a XXXX credit card issued through XXXX XXXX. I just received a statement showing I had paid the previous balance in full and on time, but I was charged {$1.00} in interest charges. I called XXXX and was told that the bank that issues the card, XXXX, charges a " trailing interest fee '', but only for the time between the time they mailed the bill to me and the date they received my payment. Thus, they want {$1.00} in interest charges even though my bill was paid in full and on time. XXXX removed the fee and I cancelled my account. I am concerned that if this fee is legal, it should not be. I am also concerned that others are not catching this extra fee and paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased a home from citimirtgage in XXXX. I joined the XXXX in XXXX. I was not receiving a housing allowance due to the fact I was n't married, I made my last payment XXXX. I tried to get citimirtgage to take the home and sell it and I would pay the difference. Citimirtgage had me fill out an income summary and decided I should selll the home through a real estate company. I contacted a real estate company and they required me to put a roof of the home before they would sell the home. I could not afford to do so. I contacted citimortgage and explained this. Citi said they could only consider a short sell after I listed the home with a real estate agency. I then offered out the home up for sale personally. Citi said that would not constitute i attempted to sell the home. I can not afford to pay for the home and would like citi to recoup some of their money but I can not resolve this issue with their process. I also believe that after so many years citi is required to charge the amount off and consider the loan bad debt. This would mean citi is in violation of the law

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 01/16/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled my services with XXXX XXXX back in XXXX of XXXX. I paid the final amount of {$130.00} on XXXX. This payment was to clear up any balances owed and I then returned all equipment to a XXXX location nearest to me. Having closed the account back in XXXX XXXX I was dinged on my credit by XXXX XXXX on XXXX XXXX, XXXX, over one year later. No phone call by XXXX to explain the matter or reason for this new charge because once I dropped off the devices the employee told me my account was officially closed. I now have a {$110.00} balance owed to XXXX XXXX, a credit collecting agency, for a balance that I knew nothing about.

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 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In   XXXX   XXXX   Chase approved my application for the  XXXX   XXXX  credit card and I added an authorized user. In   XXXX   XXXX    ,  Chase  charged me a total of {$520.00} annual fee, which was {$450.00} for me and {$75.00} for my authorized user. Please see attached  XXXX  statement. In   XXXX   XXXX    , I paid the annual fee. Please see attached  XXXX  statement. In   XXXX   XXXX    , Chase closed my credit card. In   XXXX   XXXX    , I asked Chase for a refund of the {$520.00} annual fee and Chase refused. Please see attached correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (I do not know) with ERC (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: No knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/18/2015 about Debt collection (Credit card) with Javitch, Block & Rathbone LLC (CA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: When I was visiting my investment properties in XXXX, XXXX, XX/XX/XXXX an attorney attempted to serve me with a court order to answer the claim of XXXX XXXX outstanding credit card that I supposedly owed. I answer the court order, explaining that I could not attend any court hearings in XXXX due to my employment obligations in XXXX. I have been a XXXX resident for the last XXXX years and only occasionally visit XXXX, XXXX to conduct on site examinations of my investment properties. Another Court hearing was rescheduled by the Plaintiff attorney. XXXX XXXX XXXX request to XX/XX/XXXX. I again answered the Court Order, explaining that there was no way I could attend the hearing, due to the same reason, my employment in XXXX. Well the hearing was conducted without my presence, and the Plaintiff appealed to the Judge for judgment against me. Judgment was granted, and a lien was recorded against my real estate for {$2700.00} dollars. During the course of this fiasco the Plaintiff produced modified XXXX XXXX statements to the court for viewing, for the years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX all showing my billing address to be XXXX, XXXX. During those years I had never lived in XXXX and to this day I have never lived in XXXX, for more than XXXX months at a time. 
On XX/XX/XXXX I presented a request to the Court, to have the Court Order dismissed and the lien removed, based on the following facts ; that the hearing was presented in the wrong judicial jurisdiction, submission of inaccurate bank statements falsely representing Defendant 's residence, and the expiration of the Statute of Limitations of XXXX Laws governing written contracts to be XXXX years, not XXXX years like in XXXX. Also there was never a mention of the arbitration clauses that were presented in the XXXX XXXX contract with the Defendant as possible options for settling the debt. 
In closing I would like to say that throughout these proceedings XXXX XXXX XXXX XXXX ignored my pleads of defense and at the end acted unethical in his actions and demeanor to have this case won in his favor. Again the arbitration clauses were never brought up. 
I can produce additional supportive documents if necessary to prove my claims.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation