milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Debt collection (Payday loan debt) with Acceptance Solutions Group, INC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX of this year I took out a loan with this company. Things feel apart after, They began to take money out of my account on a random basis and multiple times a week, I had to contact my bank, file a fraud report with them. I filed a BBB compliant as well. I had to change my debit cards and my checking account information. This company took money from me ranging in amounts of XXXX to XXXX per week. I have correspondence from all of this including the BBB incident number XXXX. So over the weekend I get a letter they have turned me over to collections for this huge amount. I am beyond upset, I do n't owe these people money, they took advantage of me, and now to have them attempting to collect this is horrible. I have submitted to the collection agency who is Law Offices of XXXX XXXX and their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 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: Personal information incorrect

Complaint: To Who m It May Concer n   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX    SOC #    XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Who m It May Conce rn : This letter is a formal request to correct inaccurate information contained in my C redit Reports. The item ( s ) listed   below are as follow : Have enclosed a  XXXX  bills ***PLEASE UPDATE MY C URENT ADRESS  ADDRESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   FL    XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance w ith 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my   claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuan t to 15 U.S.C. 1681i ( b ), I   request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the  past six months.      Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in qu estion, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as require d by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to compl y with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX   SOC #   XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (I do not know) with Radius Global Solutions LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX I received the first collection letter from Central Credit Services LLC located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX with the phone ( XXXX ) on behalf of the creditor XXXX XXXX XXXX, for a debth ( {$230.00} ) which I do not recognize and does 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 10/25/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I consolidated XXXX loans at different % from 1 to 6.8 %. The formula use to add all loans at different % is not to favor the borrower but the institutions. The % that I got is still to high at 6.12 % and cant make payments. They sold my loans to other institutions that I had at 1.5 % and gave it to me at 6.12 % in the consolidation? Is this fair? yes I read the fine print. I did not have to consolidate the lower % loans, but could not cover the monthly payment with so many loans. You tell me. How can we jump in XXXX giving fairness all the tactics that the lenders use to profit from the education that we seek.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Sub : Citi Bank is cheating the customers not giving the bonus. 
Ref : XXXX XXXX Citi Priority Account endingXXXX XXXX XXXX Citi Priority Account endingXXXX I opened an account with CITI Bank on XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. At that time there was a Citi bank bonus offer of {$500.00} to the customers if any customer deposits an amount of {$50000.00} or more for three months. According to the offer I deposited {$50000.00} on XXXX XXXX, XXXX and I opened the online banking at the time of opening from the bank itself. XXXX XXXX XXXX was the representative who helped to open the account. After opening the account, she had given me a referral offer with a referral ID ( XXXX ) and explained me that if I refer any new customer and the new customer deposits {$50000.00}, I would get a referral bonus of {$300.00} and the new customer would get {$500.00} which is the bank bonus offer existing at that time. According to my referral my XXXX XXXX XXXX went to the same representative XXXX, opened an account and deposited {$50000.00} on XXXX XXXX, XXXX. She showed the copy of the bank bonus offer of {$500.00} and also showed my referral ID to XXXX. XXXX also explained her the same that she would get {$500.00} as the bank bonus and I would get {$300.00} as the referral bonus. 
After the three months, I received my {$500.00} as the bank bonus to my account and in XXXX XXXX, I received only {$100.00} as the referral bonus. When I enquired about it bank says different answers and now says that the maximum bonus is only {$100.00} for referral. 
Today, when I saw the branch manager XXXX XXXX XXXX, he told me that he does not know what happened six months ago and he was not responsible for what the representative had talked me and given me and he can not resolve my problem. 
At the same time my XXXX XXXX XXXX received only {$300.00} instead of {$500.00} as bonus which is also cheating. She opened the account and deposited {$50000.00} only because of the banks {$500.00} bonus offer. 
I request you to kindly investigate this cheating and take necessary action in order to get my bonus from the bank. 
Thanks, 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 09-09-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (IA).
Issue: Credit decision / Underwriting

Complaint: My husband and I applied for a mortgage loan with Wells Fargo, were approved for a determined amount and were advised of a monthly payment based on that amount. I inquired about whether or not the monthly payment was accurate because it seemed too low, and was advised via email and via telephone that the monthly payment was accurate. We built our house with that understanding but once complete and we were to sign paperwork for our mortgage loan, we were told they miscalculated our monthly payment and it would actually be {$300.00} higher than what we were quoted.

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 01-07-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I went into Mega Value Furniture on XXXX/XXXX/XXXX to purchase furniture in the amount of {$4700.00} A handwritten order was completed that stated my terms were going to be 18 months interest free, however they presented me with a credit authorization slip to Citibank ( who I opened an account with in the store ) for 30.49 %. I started to sign the slip only completing the 1st two letters of my name XXXX and refused to execute the transaction due to the contradiction and wanted something more official than a handwritten contract that confirm my interest free terms. Against my better judgment I accepted the word of the sales representative and left the store waiting on something in writing from Citibank ; however when I received the letter from Citibank it stated my promotional terms were UNDER REVIEW and a DECISION whether they would honor them would be made within two billing cycles. 

I then went back to store after receiving this letter XXXX and demanded they cancel my order and REFUND ME in FULL. I followed this request with an email in writing because instead of them trying to honor my request they were busy trying to FORCE me to accept a verbal guarantee the terms would eventually be honored. 

To protect myself I disputed the {$700.00} with XXXX which they have refunded to me and the {$4000.00} with Citibank. Citibank has completed there research and sided with Mega Furniture although I DID NOT sign the credit authorization slip. 

Citibank finally agreed to the terms on XXXX/XXXX/XXXX but because of the unclear terms I had purchased my furniture with another store who I deemed far more trustworthy. I told them if they has simply given the information in writing from the onset this could have been avoided. They refused on three occasions to provide clear and concise terms, at purchase, when I returned to the store and after I disputed the transaction.

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 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have a paid collection on my file. It was paid over 45 days ago. I have disputed the information 3 times. I have submitted documentation via fax. I have tried to submit info via online submission but the system did not work. TransUnion continues to show I have not paid this debt. The other XXXX reporting agencies have the correct information and have had it for over a month now.

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 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The account XXXX do not belong to me. This account was removed from my credit file XXXX/XXXX/2014. I do not understand why it has appeared again. This inaccurate information must be removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: After XXXX, I could not find a ( XXXX XXXX job outside XXXX. I could not afford the loan payments ( $ XXXX. ), so I began underpaying each month. I was in contact with XXXX XXXX, but they would not work with me to lower my payments. Then, after a job change, I became unable to make payments, which put me into default ( staying in contact with XXXX XXXX, asking for help ). XXXX XXXX then sold/transferred my loan to National Enterprise Solutions ( NES ). It was n't until much later, after a long time of non-payment and after speaking with my father, they finally worked out a deal with me. I will be attaching this contract. A stipulation in my payment agreement was that funds were to be automatically taken out of my account every month @ $ XXXX. In 2013, this stopped happening and no more payments were coming out of my bank account. Next, I learn that this new company was refusing to recognize my former agreement, and denied me a continuation of said payments, saying that it " makes no sense ''. The man with whom I spoke was patronizing and rude, so I ended the conversation and have not answered phone calls. I consulted with a financial expert and was told that they were legally obligated to honor the previous contract. But they are not continuing, and they insist I owe much more per month to them ; and are now wanting to ( garnish my wages ). I believe I am due my contracted agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NJ).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: EQUIFAX is not letting me put a FREEZE or ALERT on my account. I have been trying over one week online to do so. Conveniently, they say can not find my record. Particularly odd since I downloaded my free credit report last week and I was easily able put freezes on at XXXX and XXXX. I know my information ( name, SSN, ... ).
Consumers should NOT HAVE TO PAY for the freeze for at least 5 years. I never authorized them to collect and aggregate my information. They caused the problem. They need to cover the cost of freezing/unfreezing and any lost time/money/funds should nefarious actors get my account. PLEASE JUMP ON THIS! I have a right to immediate protections and that 's today - not next week, or next month.
When I say I want a freeze, I get the screen shot attached that does n't offer me an opportunity to put a FREEZE on. Can not proceed past this screen.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have a Citizens Bank Home Equityline of credit tied to a conventional checking account. Payments to the Equity line are automatically deducted from the checking account monthly. In XXXX of 2017 I overdrew the checking account with the automatic payment on XXXX XXXX. On XXXX XXXX I transferred {$5000.00} to the checking account. I assumed that money would go to pay the overdraft. However what I did n't know was that a separate account had been set up without my knowledge and that the money did not go to pay that ( see attachment 1 and 2 ). I have been charged % 18 interest on that balance {$380.00} which I was n't aware of. I realize that when I opened the home equity line I signed an agreement that Citizen 's could set up this account but obviously I had no idea that the account would not be paid off when the balance on the checking account was several thousand dollars. I found out today that the only way to close this " overdraft account '' was to personally go to the bank branch and request it in person. My total interest charges are not large, {$45.00} but the principle is important. I believe that setting up shadow accounts at the time of overdraft and not closing them when the balance is positive is predatory and deceptive

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been disputing an account that is reporting on my transunion credit report. ( XXXX XXXX XXXX ). The creditor has agreed to remove and delete this off my report. XXXX has finally deleted the information however transunion is still reporting it. I had to call 3 different phone numbers today to finally get to speak to someone about this problem. I was told I need to supply further supporting documentation. I explained that I spoke with corporate office for XXXX XXXX XXXX and it has been agreed that they will remove this off my credit reports. I explained to transunion today X/X/17 that I spoke with XXXX XXXX XXXX approx 2 months ago ( I do not have the name of the person I spoke with over at corportate ). Transunion said they will re-dispute this information and I will have to wait 30 days for a response. According to XXXX XXXX my score has dropped XXXX points today. I asked the rep at transunion why such a huge drop I was unable to receive an answer. My debt has gone down on my bills and there should be no more inquires so I do not understand as to why the drop in score. XXXX XXXX XXXX does not belong reporting on my credit report. Having this information still reporting is affecting my credit score in a negative way. I also explained the according to XXXX XXXX there has been an account that has been sent for collection which should not be that information is wrong as well. I am submitting this complaint because I have been disputing this information for quiet some time now and getting nowhere.

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 09-08-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Tried to get free credit report and it stated that I requested report on XXXX/XXXX/15 which I did not

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXXI got a copy of my credit report and notice information, such as SSN, address ( s )  and credit account listed on the report that are not mine. Shortly after review the information I contact the XXXX XXXX XXXX and they provided me guidance on how to address the issue. Therefore, I sent a letter to the Equifax indicating that my credit report has someone else 's on my credit report. I mailed the letter on XX/XX/XXXX to inform them of the inaccurate information. I have yet to receive a response regarding the letter or a copy of my credit report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear Whom it may concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX XXXX XXXX XXXX XXXXXXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, 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 06/22/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid this debt already with proof to XXXX XXXX at The South Carolina Consumer affairs at South Carolina Consumer Affairs, Consumer Advocacy, Complaint No. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. I want this company to stop harassing me

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a debt collection notice from National Credit System ( NCS ) regarding my refusal to pay a debt owed to XXXX on the Lake for carpet replacement in the amount of {$1000.00}. This is a debt that I was totally unaware of and do not owe. I have contested this bill and requested proof of the allegations and NCS would not provide any additional information regarding my request. Instead they were threatening me to pay this bill without any explanation as to how XXXX came to the conclusion that I was responsible for total carpet replacement in my apartment without notifying me of the damages. I provided them with my copy of the final walk thru paperwork that the XXXX management team completed which made no mention of the carpet needing to be cleaned, repaired or replaced. I lived in the apartment for two years and three months prior to my departure I received my free carpet cleaning from the XXXX Maintenance Staff for renewing my lease. NCS has reported this erroneous information to the credit reporting agencies, and now my son and I have this negative information on our credit report without a thorough explanation or proof of damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Debt collection (Credit card) with Precise Financial Group, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: While working with a mortgage company, I discovered a debt on my credit that was invalid. I disputed the debt via XXXX. After investigating, the original company that said I owed the debt responded that the debt was indeed invalid and XXXX deleted it from my credit report. A collection agency that bought the debt some time ago is still hounding me to pay even though I 've informed them that I 've disputed the debt and the original creditor agrees it is not a valid debt.

Company response to consumer: Closed with explanation