milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I only got this card because Costco switched from AmEx to their Citibank visa. I have 3 other Visa cards with zero issues. However, this particular card never sends me paper statements. I 've requested them on 4 separate occasions, each time after my card is declined. I call Citibank to see why my card does n't work and they tell me I have n't paid my bill. I say what bill? I 've never received one. They say you 've requested electronic billing, which is incorrect. They agree to correct the problem and I never receive a bill. When you pay electronically, they automatically send an e-bill. I 've asked repeatedly where it goes, is it emailed, sent to my third party app I used to pay? No, they say, I need to login to my account on their site, which I 've never done. How would I know when it 's due? They told me I 'm just supposed to check my account. I do n't use this card regularly. Tried to get gas and it was declined. Called them to find out I have late fees and charges for a {$43.00} ( approx ) bill and $ 100+ in late fees for a bill I never received, despite requesting it. I asked them to reverse the late fees and told them I 've repeatedly requested paper bills. They told me they would look into reversing the fees, I paid the balance of my charges only ( not fees ), and they would send me a paper bill. I never received it. Instead I get some XXXX letter saying I 've requested not to be contacted for debt collection. I do not think these practices are ethical, legal or fair. My 3 other Visa cards are paid on time every month. I never had a problem with the Costco AxEx card. This company is unethical and I want my late fees reversed. I 've asked now 4 times for a paper bill and made them aware I am not receiving any notification to pay my balance. They are clearly doing this on purpose as a means for me to incur more late fees and interest. I requested to cancel this card and am done with this particular card. It 's ruining my credit and I 'm not paying fees for their incompetence and unfair business practices. Look at your phone logs and see how many times I requested a paper statement and how many times I received one.

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 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Your problem options did not actually have my issue so I checked closest. This is kind of a small thing but it concerns me they are doing it to everyone ; when I applied for my XXXX XXXX XXXX credit card online, there was a checkbox, already checked, to expedite receiving the card for an extra {$15.00} fee. I unchecked the box ; I was in absolutely no hurry. But they expedited and charged me anyway, and when I complained, they said they could not reverse that charge because " the application was received online. '' As though that somehow made it impossible for it to be wrong, I guess? First, that box should not be checked automatically to begin with, and second, I am POSITIVE I unchecked it. 
{$15.00} charges, over a lot of people, for something that probably costs them much less than that, is making them a lot of money and in my case, at least, was fraudulent treatment. People are probably just glad to get approved, it is n't all that much, how many people will bother to complain ; I hope a lot of us do and they have to pay us all back some day.

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 05/31/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage originally with XXXX XXXX without a escrow account. The mortgage was purchased in XXXX by PNC and in XXXX my wife sent a check to XXXX XXXX to pay property taxes and XXXX PNC stated the taxes were not paid and the county did not receive the payment. I reimbursed PNC in XXXX XXXX and called the XXXX XXXX XXXX office to no prevail. Everything was fine until XXXX XXXX, PNC stated I had an Escrow account which I never had and if I did I questioned a PNC representative why did you refund me the Escrow check in XXXX of XXXX. I continued to make my regular payments never late and they placed me into pre foreclosure. I have an attorney working on the foreclosure and filed a complaint with Illinois Attorney General office as well. They continue to take my money sometimes they refund the payments which they stopped payment on when I deposited the check into my bank account and report this late on my credit. I am in the progress of selling the home and need your assistance to get this resolved. 

I am also part of the class action lawsuit with XXXX XXXX XXXX/ PNC Mortgage on discrimination which was handled by your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Phone company is raising charges for this service, although it was disconnected

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (NC).
Issue: Deposits and withdrawals

Complaint: I am one of the many affected by the RushCard fiasco. Today is the XX/XX/2015. My card is still being declined. I spent XXXX hrs on hold today. I have received txt saying my funds are on my old expired card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Chase credit card I have continually reported as a FRAUDULENT/ NO KNOWLEGDR OF account BECAUSE 1. I have no knowledge of opening This account or incurring this debt and 2. They have continually reported the WRONG ADDRESS after I have addressed them Several times about it. I live in a 7 story high rise with over 60 apartments and they have my apartment as listed as XXXX apt XXXX XXXX XXXX XXXX MA with NO LETTER PRIOR TO THE # which includes every apt #.
Apartment number, although Ive reported to all three bureaus my address is to include an Apt XXXX with anything. Ive shown them my ID and repeatedly told them That this is not my account and there would be no way of getting my mail if they had addressed it to XXXX XXXX XXXX XXXX  alone, it would have been set out in the public lobby for anyone to grab. I believe someone else took a pre approved offer or had My info previously and they have opened the account and made it deliquient. Also, none of the phone numbers when I called to check with them have I been associated with. Please Id like this removed from my Credit report as I believe XXXX has already removed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX seeks to recover from an illegally or unknown DEBT against me as I deny any obligation, was NEVER LAWFULLY served with legal process on any account relating to WELLS FARGO BANK VISA. 

I deny any debt, claim, or judgment by WELLS FARGO VISA or XXXX, and if any judgment taken illegally against me, collection is likewise illegal. 

THIS OBLIGATION IS BARRED BY THE CALIFORNIA STATUTE OF LIMITATIONS.

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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Problems caused by my funds being low

Complaint: I was overcharged throughout XX/XX/XXXX and XX/XX/XXXX, and am possibly still being overcharged by Regions Bank on overdraft protection. I 've taken out " overdraft protection '', which is a loan that kicks in when I do write a check or checks that exceed my balance. However, I was still hit with overdraft fees, as if I was n't repaying the said overdrafts with a loan I 'm responsible for repaying. This has gone on through most of XX/XX/XXXX. I have n't over drafted this year, so I ca n't comment on where things are right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Roughly around XXXX 2016 Transunion had a glitch in their system which removed all of my inquiries! And the were re add back without written notification 5 days prior to re adding them! I know my rights and I would appreciate if you will help me enforce these rights

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 04/16/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: At the recommendation of my employer as part of a background check, I ordered a credit report from Experian. I was notified at the time I ordered the report that I would be charged {$1.00} for the report. After ordering the report, I was instructed that I had signed up for a 7 day trial and would be charged $ XXXX automatically if I failed to cancel the membership within 7 days. I then proceeded to view my credit score just to ensure that it was at an acceptable level, and proceeding to fill out the rest of my job application did nothing further on Experian. I received no further communication from Experian regarding my membership, though they had my email address on file. It was not until I saw a {$22.00} charge on my credit card this month that I realized I was being charged for a membership. I immediately called the company and explained I had never utilized the services other than looking at my score when I XXXX signed up for the service, that I felt some sort of a notification that my trial membership was expiring should have been provided to me, and requested a refund. They said because I was notified at the time I signed up for the account that I would be charged a $ 22 monthly fee for failure to cancel, they would not issue a refund. In fact, they tried to convince me to sign up for further services at a discounted rate, though I made it clear I had no intent of using the services further, given that I have thousands of dollars in student debt and could n't afford to pay the {$22.00} charge for one month, let alone continue paying for a service I had no intent to use on a regular basis. All in all, I felt that the customer service response I received was poor, and that the business practices failed to adequately warn consumers of the charges that they would incur as a result of using the Experian services. As the attached screenshot shows, the initial screen to order the report only says that there is a {$1.00} charge to order the report ; the $ XXXX membership fee is only mentioned in small print at the bottom of the XXXX page of the order. I admit that in my rush to complete the documentation for my job, I neglected to remember to cancel my membership at a later time ; but my concern is that less sophisticated consumers than myself will be taken advantage of and not realize the costs they are incurring in merely checking their credit report. Had I known about the existence of annualcreditreport.com at the time, I would have certainly just gone straight there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: This is NOT a duplicate complaint. This complaint relates to Citibank 's actions within the past seven days. I do not owe Citibank any money. Citibank has repeatedly harassed me over the past eight years, resulting in my filing of multiple federal lawsuits, and arbitration cases through XXXX and XXXX. Last year, Citibank 's attorney, XXXX XXXX, assured me that Citibank would stop contacting me. Yet, the contact continues. Despite my repeated requests, Citibank continues to access my personal credit report and send me credit card offers they know are not " firm offer ( s ) of credit '' as that term is defined by the Fair Credit Reporting Act. On XXXX XXXX, 2017, I filed a CFPB complaint concerning Citibank 's repeated access of my credit report, and their sending of credit card offers to me. Citibank responded to the complaint by mailing me another credit card offer which I received in the mail today.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For many years I have been in direct contact with all three credit reporting agencies and two companies that are currently reporting negative on my consumer reporting file and they refuse to validate the debt. I have never applied, used, or paid for credit card via XXXX XXXX XXXX   and the collection account XXXX XXXX XXXX can not submit any application or contacts to validate the account. Also they are incorrectly reporting payment history on XXXX XXXX and XXXX accounts.

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 09/26/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I tried to submit a teacher loan forgiveness application and they lost my application. I submitted the application again after talking to XXXX people at Nelnet. Then when I called back to check on the status they told me that I needed to submit another form for a different school that I worked at. I had already called previously and asked if I needed to submit any other papers and they told me " no ''. Therefore, I have been paying my loan for 5 months and it should be forgiven. I am still paying my loan because I have to wait for them to approve the new forgiveness paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from XXXX dated XX/XX/2017 stating the following : Dear XXXX, You have already paid XXXX {$3700.00} and we want to help you resolve this account once and for all. Call XXXX or visit us online to finish paying off this account. 

We offter the opportunity to : pay a reduced balance in a single payment or make small monthly payments to resolve the debt over time XXXX. would like to thank you for paying {$3700.00} signed XXXX Division XXXX I called XXXX to see if I could settle since I am about XXXX done. Upon calling they stated that they do n't have the authorization to settle and that XXXX 's of letter were sent in error. 

She then referred me to XXXX who is the law office who taking care of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was made aware of a false collection report that appeared on my Credit Report through XXXX XXXX. I opened up a dispute to the claim, but feel there are more important questions for an oversight entity to find out and get answers. First question, how does a debt collection agency add an item to someone 's report without having proof of debt, and second question, what proof of debt is required to add such item ( SSN, their say so, or a contract with my authentic and original signature )? According to this occurrence, there is nothing in place to prevent these types of bogus claims being reported on somebody 's credit report to protect the consumer, which is what the CFPB is supposed to be protecting and overseeing the Credit Reporting Bureaus, and making sure they are reporting the most accurate information available. If the appropriate information is not available, then it should not be added. I would also like to know what is deemed as " appropriate information '' would be needed to add such a claim to a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX/XXXX/17 @ XXXX I made a CC payment of a parking ticket associated to SFMTA in lieu of receiving a " hearing to contest '' the citation ( XXXX ). The condition with SFMTA is that you must pre-pay the penalty to acquire the hearing. The amount was {$280.00}. The hearing was ruled in my favor, and the ticket was dismissed.
CITI CARD refuses to refund/reverse the charge, stating that I needed to provide a valid credit card slip. This is not possible since the merchant ( SFMTA ) did not provide a copy of the credit card slip when requested. The transaction was completed using a digital CC machine ( point of sale terminal ) at the customer pay window, and the only thing I received was a copy of the receipt.
I provided CITI CARD with copies of all supporting documentation, which included : - a copy of the ticket - a copy of the transaction receipt.
- a copy of the bill of sale - a copy of the letter I received stating that the hearing was ruled in my favor, thereby negating the validity of the transaction, providing proof that the amount needs to be returned.
CITI CARD is refusing to reverse the charge and directing me to " take it up with the merchant '' to achieve a resolution. It is my firm belief that the responsibility falls firmly with CITI CARD to protect/defend its customers from these kinds of local government merchants/organizations. It is not the customer 's responsibility to battle with the merchant ; it 's the credit card company 's responsibility to protect its customers.
So much for taking care of your 10+yr customer. Not acceptable. I will be taking my facts-supported situation to social media.

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 09-12-2016 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (WY).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, 2016 my husband and I contacted XXXX XXXX XXXX to purchase a 2016 Ram 3500 Pickup Truck. The Finance Manager XXXX XXXX took our credit application. ( See Attached E-Mail ) He was also told by my husband that we were both Victims of Identity Theft, and had 7 year Extended Fraud Alerts on our Credit Bureau Reports. He was also told no loan could be considered until we were both contacted by any lenders. On XXXX XXXX, 2016 XXXX XXXX confirmed with my husband that we were approved for Financing from lender XXXX XXXX. On XXXX XXXX, 2016 we took delivery of our new vehicle. On XXXX XXXX, 2016 I received a notice of an Adverse Action Credit Notice from Gateway One Lending & Finance for a " Credit Denial ''. It listed my Credit Score from XXXX as XXXX out of XXXX and reason as " Amount owed on accounts is too high ''. This is not only untrue by ridiculous. I was completely unaware Gateway One Lending & Finance was a lender that XXXX XXXX sent my Credit Application for consideration. I was NEVER contacted by Gateway One Lending & Finance Loan Officer, and I was NEVER offered any credit under other terms from Gateway One Lending & Finance. I was contacted by ( XXXX ) other lenders for my Credit Application. Both followed the rules pertaining to my 7 year Extended Fraud Alert on my Credit Bureau Reports with the ( XXXX ) Major Credit Bureaus XXXX, XXXX, and XXXX. Neither of the other ( XXXX ) Lenders issued an Adverse Action Credit Notice. Gateway One Lending issued an Adverse Action Notice without compliance with Federal Law pertaining to the Federal Credit Opportunity Act. ( See Attachment regarding Identity Theft Victims required contact by Lenders )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation