milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citi closed down 4 different credit card accounts on XXXX XXXX, 2018, all at the same time. By shutting down the accounts, they have closed access to more than 130,000 points and {$55.00} in XXXX cash I was owed from using the cards during the year. 

Citi did not provide me an explanation for closing of all the cards. I have been a loyal member with Citi for more than 10 years and have made all my payments on time. Not a single bill was not paid to Citi.

I am severely disappointed by this action from Citi.

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 11/22/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Rewards

Complaint: XXXX XXXX, 2016 Dear Madam/Sir : I ( XXXX ) and my wife XXXX XXXX used credit cards issued by Citi cards. Citi bank and Citi cards closed our credit cards accounts without any reason. We have used the Citi credit cards for over 10 years and always paid the monthly payment on time. It is OK if they want to close our accounts. However, they removed all " cash rewards '' or " thank you points '' from the last statements of all our cards. This is unacceptable. We sent two letters to request for solving these issues. They responded that they can forfeit the " cash rewards '' or " thank you points '' upon closure. It is unfair. We are looking forward to getting helps or suggestions from you. We think there are maybe many other Citi cards clients were treated in the same way. We want you know these issues and help us to get necessary protection. 
I have enclosed copies of two statements ( last one and the last one having card reward value on it ) for each card, a letter from citi cards, two our letters to citi cards. 

Thank you for your attention on these issues, Sincerely, XXXX XXXX

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 02-06-2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i have a payment arrangement set up with Kay Jewelers, we have been making reduced payments in accordance with the arrangement. we have been getting XXXX calls since XX/XX/2016 saying that we have not paid. this information is not true and has been verified with Kay jewelers every time we have spoken with them. Their phone dialer system has called my self and my wife a minute apart and we have spoken with them at the same time and have figured out that the nature of the calls is false. i have repeatedly informed them that if calls continue i will file harassment charges against them. today XXXX/XXXX/16 we have received 4 phone calls back to back from them after hanging up with a representative who has been informed that i am taking action against them

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am not receiving the benefit of the service I am paying for. 
Customer Care Department will tell me that I need to contact disputes department because I have pulled my credit too many times they need to unlock something. Disputes department will tell me that I need to contact the disputes department because there is an issue with the name on my file. I have been going in this circle for four days. I asked to speak to a supervisor the supervisor transferred me over to a representative that said he entered a ticket number. He would not provide me with a ticket number. I asked to speak to a manager ... he put me in contact with a floor supervisor XXXX : Employee number XXXX. She provided with a ticket number that the rep would not provide me with : Technical Ticket XXXX. I explained that I am paying for Equifax Complete Premier Plan, and requested a refund for the down time. She explained that the technical department would do that. I explained that I never received my credit from the last time. Last time this occurred I did not have access for two + weeks. I asked if she could look into her system to tell me how long this was down for. She would not. My complaint is that I am paying for a service that I am not receiving the benefit of. Nor will they credit for down time. They can view their records and now how long I have not had access.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: National Credit Systems Inc st ated that I owe {$1000.00} To  XXXX   XXXX  Apartments. I have been to the apartments which no longer exists and to the courts which no longer have any records of this

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing on a mortgage

Complaint: To XXXX XXXX XXXX AS TRUSTEE Attn : LEGAL DEPARTMENT Address : Unknown Ref. : XXXX XXXX XXXX Acc # XXXX NOTICE TO DISCLOSE INFORMATION This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to XXXX XXXX XXXX AS TRUSTEE to disclose the following information regarding the loan account # XXXX : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.- XXXX XXXX XXXX as Trustee 's Headquarter address and agents, all information, but no limited.
Since Bank of America and XXXX XXXX XXXX has refused or failed to provide the requested information or released the loan.
We ask to the Consumer Financial Bureau ( CFPB ) to open a judicial complain against Bank of America and XXXX XXXX for Fraud and its criminal involvement in Mortgage Fraud, Wrong Foreclosure, forge assignment and misrepresentation and conspiracy to steal.
We acknowledge that Bank of America is XXXX XXXX XXXX AS TRUSTEE.
Solution Release the Loan and return all payment collected since 2006 Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX

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 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2017, Afni sent me a dunning ( collection ) letter stating that they were trying to attempt to collect a debt for XXXX. I received a call from a representative named XXXX, ID number XXXX, who advised me that they were attempting to collect a debt for XXXX, I advised XXXX over the phone that I did n't have a debt with XXXX, and if he could send me validation of the debt. XXXX was very rude, got loud with me, and advised me that he was going to put this debt on my account in 3 days. I also notified AFNI in writing that this debt was not mine and to provide me proof. I also advised them that it was unlawful to report unvalidated debt on my credit report. Afni still reported this debt on my credit report, although they did n't provide proof. Afni responded to my debt validation letter with the EXACT same dunning letter they sent to me initially, but this time they manipulated the information on the dunning letter to make it look like a " STATEMENT OF ACCOUNT '' They are intentionally trying to destroy my credit, and using intimidation tactics to get me to pay for a debt that is not mine by placing false information on my credit report. On the dunning letter that was sent to me, they advised me that if I notify them within 30 days of receiving their collection letter, they will obtain proof of the debt, which they did not. I did n't receive a signed contract bearing my signature, I did n't receive a billing statement showing the breakdown of any fees on XXXX XXXX letterhead, nor did I received an assignment of the debt to AFNI, proving that they have the rights to collect a debt on behalf of XXXX. I have never heard of Afni nor have I did any business with them. I have attached my dispute letter to Afni, my overnight delivery receipt w/signature showing delivery of the letter, the initial dunning letter that AFNI sent to me, the dunning letter that AFNI sent to me in response to my debt validation dispute letter, and my current credit report showing where they inserted this false information on my credit report. 

I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Afni, will be required to appear in a court venue local to me, in order to formally defend themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Credit card) with U.S. BANCORP (AK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called and said they are looking for my son. Their phone number is ( XXXX ) XXXX. They also called his Uncle. They called me over and over but would not divulge any information as they could only contact my son. I gave them my son 's number on numerous occasions. My Son is in a XXXX program at the University of XXXX. He said they continually call him while he is in lab doing research and because they never leave a message he just assumed it was a political or prank call. Regrettably at my urging he called them back. They demanded payment on a credit card bill we thought had been resolved when he purchased a home in Arizona. They demanded XXXX of the money immediately and got my son 's bank account number and additional information with the second amount in full the next month. We are very concerned and not sure what we should do next. My son acted on my panic. He is a college student with no money. I feel horrible. Since then, I have seen numerous reports on Email this is a scam company. What can I do?

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 02/26/2016 about Debt collection (I do not know) with The CBE Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company ( CBE Group ) calls at least 3 times a day. Morning, Noon and Night. When ever I pick up the phone they are never there. They have been calling for the past month. At one time I did finally speak with someone but they asked for someone who I did not know and then they requested my social security number. I refused to give it to them, and they have not answered the phone since - in spite continuing to call 3 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: On today XXXX XXXX, 2017 when I logged onto Big Picture Loan website to verify that my {$400.00} loan was paid off I noticed that I had a high interest charges that was doulble more than I borrowed which was not explained to me in detailed when I recieved the {$400.00} loan. So I called and was placed on hold for almost 15 minutes when I requested to speak to a supervisor. When I did get a supervisor it was a woman by the name of XXXX who got on the phone and asked me to verify my info name, date of birth, and address and she stated that the date of birth I gave her was incorrect in their system and then she asked for my driver 's license # and I stated to her what does that have to do with my complain about the interest on my loan. She then put me on hold and transferred me to another woman by the name XXXX who was not a supervisor and still who could n't give a good reason for the high interest rate. My loan was taken out in XX/XX/XXXX and they have taken a total of {$99.00} about XXXX times from my account since the loan which caused my bank account to be overdrawn. This is illegal here in the state of Florida to charge this type of interest rate and has put me in total debt. To top it off neither person I spoke with was willing to settle this issue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Billing statement

Complaint: I received a credit card statement for my Ethan Allen XXXX card ( Synchrony Financial ) for an amount of {$44.00}. This bill was generated after I made a full balance payment to Ethan Allen. I contacted them after a XXXX minute wait and was advised that it was a billing error/system glitch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Web Source Market LLC/DBA Collection Shield 360 (MI).
Issue: Problem with customer service

Complaint: XXXX/XXXX/XXXX called to ask question about an account that was scheduled to be disputed already and was not. CS rep said I would just have to wait it out then hung up on me, XXXX/XXXX/XXXX went to login to customer portal and found that my account had been deactivated

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX    XXXX  , My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,   XXXX  , my report came back that my current, credit cards were updated with a  XXXX  balance but at this point whe n Capital One upda ted my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract  XXXX .     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency   XXXX   XXXX   so I was n't able to call right away.      XXXX   XXXX  contact ed Capital One to o pen an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would tak e 10  business days for the investigation to be completed.      XXXX   XXXX  I ca lled Capital one back as I had not received a let ter or call back. The woman who answered the phone stated it would tak e 60+ da ys for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still b e 60-90  days before my credit report.     In the mean time my application for my first home will have been declined  due to Capital Ones  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Other debt) with Credit International Corporation (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On  X/XX/2017    I cent via certified mail a letter stating that I was disputing the debt that Credit International Corporation claimed that I owed. They received my letter on   XXXX   and signed for it. I have proof of delivery and signature in my possession. After they received my request to dispute the dept they made absolutely no attempt to verify the debt and they also failed to report to the credit reporting agencies that this item was being disputed within the  XXXX  day window. I received a new credit report on the  XXXX  day and it showed no reporting of the mentioned debt/account being disputed by consumer.     As per FC RA 623 ( a ) ( 3 ) - responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]   They have violated federal law and I have evidence of such, via certified mail receipts. They must removed the inaccurate information from my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (I do not know) with Simon’s Agency, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The account continues to come up on my credit report and I have no knowledge of the accounts. 
where did the debt originate? I sent a letter directly to Simon 's Agency requesting this information via US mail over 30 days ago and have yet to receive a response. 

I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof of the last payment made on the account if any. 

I have disputed this debt. Therefore, until it is validated, your informationconcerning this debt is assumed to be inaccurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. 

It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( I.C System Inc. phone XXXX ) and ( XXXX phone XXXX ). XXXX debt collectors are based in MN. XXXX company ( I.C. System Inc. ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( XXXX ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. 

My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can XXXX debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? 

Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for XXXX should be removed 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 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened a XXXX credit card account with Santander in XX/XX/XXXX. I subsequently cancelled it on XX/XX/XXXX but paid the annual fee that was due prior to my cancellation ( XX/XX/XXXX ). I sent the cancellation request via certified mail return receipt requested. For their billing cycle XX/XX/XXXX - XX/XX/XXXX I received a bill for fees and interest in the amount of {$49.00}. I returned a letter reminding them I 'd cancelled the account a year before and included copies of the certified mail receipts. A few days  later I received a call from Santander requesting I call them which I did on XX/XX/XXXX ; I had long conversations with several Santander employees explaining the situation until XXXX ( # XXXX - no last names ) who assured me the account would be closed and all fees, including interest of {$1.00} which had already accrued, would be deleted. This week I received a bill for the original {$49.00} plus {$26.00} fees and interest. I think it important to point out that my husband went through this same process with Santander less than a year ago ( case # XXXX ).

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation