milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2016 about Debt collection (Medical) with PMAB,LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have submitted requests for this account in the past and have not had it removed previous complaints has stated that a universal data form would be sent to my email at XXXXXXXXXXXX i have not recieved it and it is still reflected on my XXXX credit report can you please look into this and email me or comuncate with XXXX to finally get this fraudulent account removed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 've tried to reach Equifax to find out if I was part of the breach, https : //trustedidpremier.com/XXXX to no avail. Additionally I went to annual credit report dot com for the federal law approved report too, it 's locked and not taking requests currently.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received XXXX statements for the same student loan dated 6 days apart claiming the payment on the first was past due. The first statement was dated XX/XX/2016 and the second was XX/XX/2016. When calling they had difficultly explaining why this is happening and the amount on the first statement should not show as past due. I believe this is known as short-cycling and is not permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit card () with DISCOVER BANK (CA).
Issue: Delinquent account

Complaint: I paid off my Discover card on XXXX XXXX, 2016 and called them shortly after and asked them to close the account. The balance was paid in full and they closed it on XXXX XXXX, 2016. Nobody told me I should check back to see if any new charges appeared. The account was closed and I forgot about it. To me closed means CLOSED! Apparently that was n't the case though. A new charge of {$28.00} appeared on the account for what they later told me were interest charges. Around the XX/XX/XXXX I got a letter in the mail saying I owed {$120.00} on the account. I called them about it and I was livid. They had tacked on late fees and reported me for 30 and 60 days late on the account. They took the fees off and I paid the {$28.00} which had somehow magically appeared on a CLOSED account. My credit report shows absolutely NO late payments on ANY of my accounts EVER, and because of the 30 and 60 days late reported on a lousy {$28.00} charge that I was n't even aware of, Discover dragged my credit score down from XXXX to XXXX. This is not right. I called them about it after I ran my credit score and found this out, but they said they would n't remove the 30 and 60 day late reports on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I ( XXXX XXXX ) have sent numerous letters to Wells Fargo Bank, to have them remove derogatory remarks placed on my credit reports. They have shown no proof of verification of debt. My letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) have been ignored or told ( via letter ) by their credit management, they are working on a response. They are in violation of both the FCRA ( including but not limited to ) 623-b, and the FDCPA ( including but not limited to ) 807-8. My last dispute notice dated XX/XX/XXXX was not responded too, ( via letter stating " that they were working on a response '' ). I again, sent them notice of my complaint being reported to the CFPB. This is my last attempt, to have Wells Fargo Bank, remove it 's derogatory remarks immediately. My next course of action will include a civil complaint file in court. Thank you.

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 02/18/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid in full to XXXX, XXXX, XXXX, XXXX XXXX XXXX on XXXX XXXX, 2016 ( see supporting documentation ), yet Portfolio Recovery Associates ( PRA ) continues to call my home phone and report the collection account as open with a balance of {$130.00} to credit bureaus. When contacted, PRA told me they could not discuss the debt with me because it was with an attorney. The attorney advised me to insist on talking to a manager. After several calls, I finally reached a manager who said she would confirm the information and correct the error. I called back to verify, the PRA representative rudely stated that she had no idea why I continued to call when both PRA accounts ( an older XXXX and the more recent XXXX ) showed a zero balance. I explained that I continue to receive calls from PRA and the account continues to be reported to all XXXX credit bureaus as open with a balance. She further informed me that they are under no obligation to report closed account to credit bureaus. I 'm at a loss for what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: i opened up an account at TD Bank located at XXXX XXXX NJ XXXX approximately 3 years ago for the purpose of converting collected coin for cash. this account was a NO FEE account and on my visit to the Branch on XXXX XXXX, 2016 I was informed the account was closed but they could not provide me any details as I had approximately {$110.00} balance a branch associate XXXX requested reports and promised to call me and never responded and again called back on XXXX XXXX and promised XXXX XXXX the branch manager would call me. Today I called back and found out XXXX is no longer t here an XXXX is on vacation. my account should never have been charged a fee as that was a special account I was told is now grandfathered and should keep it open. I am entitled to my funds and want it returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Deposits and withdrawals

Complaint: I purchased a money order from USPS the money order how ever got lost in the mail I purchased tracking of the money order also to prove to the bank that it was not cashed the bank denied my claim and since has put my account in a negative balance and is reoccurring overdraft fees and since I get my check direct deposited they are going to take my whole check come Friday. This is absurd I have rent to pay once again as in result this is not my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Mortgage (Conventional home mortgage) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I have a first mortgage with MUFG Union Bank that I am interested in refinancing. Having locked in a bank to complete the refinance, I was asked to provide my note for the first mortgage to the new lender. Searching through my closing documents from the original purchase of my home, in XXXX of 2015, I  realized that I was never provided the original note on the loan. Calling customer service, I was told that the bank was not capable of sending me an electronic copy, and could only mail a physical version of the document after a 3-5 business day processing period. Considering this timing is delaying my refinance, I am paying higher interest to Union Bank than I would pay my new lender because of Union Bank 's policy of delaying customer document requests. After complaining via multiple avenues about the banks ' policies, I received a secure email from Union Bank that purported to attach my loan documents, but nothing was attached to the secure message. This appears to be an intentional policy of the bank to delay existing mortgagors from refinancing their homes ( the main reason a debtor would need a copy of their note ). I imagine there is a class action suit or heft regulatory action, as this policy has likely cost many many American consumers higher interest payments as a result of Union Bank 's deliberate exploitation of their consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other

Complaint: My husband died on XX/XX/XXXX. I have been disputing a " joint '' status on a credit card for many years. I called the card company ( AT & T Universal Master Card through CitiBank ) and advised them of his death and that I demanded to see a credit application with my signature. I have the original paperwork and it 's in my husband 's name only. He has no estate. They have not sent the documentation which they promised to do in 7-10 days ( it 's been over that time ), instead, they sent a new statement in my name only. I believe that CitiBank is in violation of State and Federal law. Citi/A T & T have not provided any application signed by me. This card was opened in the XXXX or early XXXX by my husband only.

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 10/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There 's a collection on my report for {$4800.00} from midland collection agency which I believe was from a XXXX account. This was from WELL over seven years ago and I believe was settled a long time ago as well. Sadly I do not have records from then as I lost a lot of my older records in a fire. I 'd like this looked into and removed if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I got a copy of my credit report a few weeks ago and noticed there was a Citi Bank shell credit card open on it, that was delinquent. I requested a theft investigation from Citi bank. They were unhelpful and would not listen to the information that I was telling them. I specifically told them that someone had opened a bank account under my name along with some other accounts. That person or persons was using my identity to make payments on the shell credit card. Citi bank responded in saying that they were unable to remove the credit card out of name due to being able to verify the debt to myself. I never opened this account it is not mine. Citi bank is telling me that my phone number matches there records. I do not see how that is possible. I never got any phone calls from Citi Bank regarding this. My phone number is XXXX. Also, whoever opened up a checking account under my name was using that account to pay for the shell credit card and XXXX XXXX credit card. Citi bank approved my claim on the XXXX XXXX  account ( see attached letter for proof ) however they would not approve the theft claim on the shell account. Makes no sense! I have provided a signed attached statement, along with a police report. I do not know what else further I can furnish to prove that these accounts are not mine. My SSN is 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 02/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They are reporting XXXX Bank acct # XXXX XXXX/XXXX/XXXX as charged off. per attached documents this account was included in bankruptcy. 

they are reporting XXXX acct # XXXX XX/XX/XXXX charged off. 
attached documents show account included in bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Despite several request, to send a written statment, reflecting the reasons for closing my accounts, Citibank has failed to send such of letter.
All the informations that I have so far, are from the bank employees.
***I WANT TO HAVE A WRITTEN STATEMENT FROM CITI BANK, STATING WHY CITIBANK HAS SUDDENLY CLOSE MY TO ACOUNTS.
<P/>
****THIS WAS NO ACCIDENT.

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 11/27/2016 about Debt collection (I do not know) with Omega RMS, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I don t even recognize who the original creditor is and no account numbers available to contact and dispute the issue. Yet report says Individual and Joint account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Medical) with Grant & Weber (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have XXXX accounts with XXXX XXXX XXXX XXXX that I was paying them directly XXXX each month. Then I received a letter from Grant and Weber Arizona , Inc. They are a debt collection agency. We started payments of XXXX a month on each account. We have missed some monthly payments, but have called and tried to tell them the reason for not being able to pay at the time. We have never had a monthly statement of any kind showing payments we 've made, or the balance due. Just a few months ago, I called them to tell them that we would not be able to make the payments. I called and left XXXX ( XXXX ) voicemail messages for XXXX XXXX. He is the one handling the debt. All the messages were made within a weeks time. He never returned my phone calls!!! My husband XXXX has even called him, and he never calls back, unless we have called about paying the debt off. Then he calls right back! The principal balance we owe is {$530.00}. He sent us a letter that says he 's charging us {$190.00} in interest, making the total amount due {$730.00}. There has never been any talk of interest to be charged with these accounts. I do n't feel that this is right considering the effort we have made to keep in contact with XXXX. Can he legally charge us interest on a medical bill? We would like to ask for your assistance with this matter. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 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 status incorrect

Complaint: I moved into an apartment complex by the name of XXXX XXXX apartments. At the time they had just becomes the new management company and had a new onsight XXXX. When I moved in there was never a walk-through. The new XXXX charged me for things that were wrong with the apartment before I even moved in. The reason why I moved out is because there was never any hot water and I had XXXX small children. Anytime I needed something fixed they never put in work orders for XXXX XXXX. They went through a handful of maintenance and managers that didnt know what was going on. I tried to explain to the XXXX that there was never a walk-through and she was new and didnt try to help. She added incorrect information and billed me for it. Now Im trying to take care of this. There is no way they can produce a walk-through. I feel that they need to go back to their records and remove Or delete it from my credit. Its been affecting me for the last XXXX years negatively and its time the properly acknowledged their incorrect information! Either they provide a walk-through with my signed signature with damages that were or were not done ( which they can not because there was never one in place ) or remove it from my report immediately! 


I dont have paperwork because its been years but I can provide some of the names I do remember. The XXXX that moved me in and knows things were already damaged was XXXX XXXX. I cant remember the in between names but it ended with a XXXX by the name of XXXX! Essentially shes the one that incorrectly charged me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Late fee

Complaint: At the Home Depot XXXX # XXXX store ( in Arizona ) in XX/XX/XXXX, the cashier offered me a discount if I signed up for a Home Depot credit card. I did so. The charge for the purchased products at the time was about {$50.00}. 
On the morning of XX/XX/XXXX I received a call from Citibank asking for a payment of over {$150.00}. Between XX/XX/XXXX and the end of XX/XX/XXXX, I have not received any information about the account - including a physical card, statements, account number, etc. 
When I asked them to remove the late fees and interest charges, they refused to do so, even though they never provided me with any payment information prior to this time. I have asked them to cancel the account. 
Unfortunately, I can not provide any specifics since I have no documentation from the company or any kind of access to an online 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 non-monetary relief
Consumer complaint received 06/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE ITEMS THAT DONT BELONG TO ME THEY AREE A PRODUCT FROM I DENTITY THEFT I CALLED THE CREDIT BUREAUS THE AGENT BARELY SPOKE ENGLISH I GOT NO RESOLVE AND NO UNDERSTANDING OF WHAT TO DO. THEY TOLD ME I HAD TO CONTACT ALL THE CREDITORS MYSELF FOR THEM REPORTING THE WRONG INFORMATION.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My Experian report shows that the company XXXX claims that I owe them a debt. I have requested by certified mail multiple times that XXXX and Experian verify and validate this debt. Both have failed to provide documentation that proves I owe this debt. Experian will not provide me any documentation or information in accordance with the FCRA to prove that this debt should remain on my report. XXXX sent me a rental application that was filled out but not an actual lease agreement. A rental APPLICATION is NOT a lease agreement. It is an APPLICATION. Their paperwork does not prove that I owe this debt and Procollect did not provide me with proof within the 30 day time frame allotted by law. THIS DEBT HAS NOT BEEN REMOVED AND MUST BE REMOVED. Both Experian and XXXX have not complied with the FCRA and are in violation. I request this debt be removed from my Experian credit report as this negative remark has cost me money and prevented me from qualifying for credit. I feel that I am being bullied and discriminated against.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I had an inaccurate tax lien placed on my credit report. I have a letter from the lien holder stating that it was completely wrong and should never have been placed on my report. I sent the letter to the 3 credit reporters. 2 of them have removed it. Equifax will not remove it. I have sent it to them 5 different times. It is also past the 7 years that it should have just fallen off and still it is there. Any way you can help me with this??

Company response to consumer: Closed with explanation