milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2017 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (OK).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: For about 10 years, Citibank has been sending me informational notices. When I have called them in past years, they told me not to worry about it or that the wrong address is no longer their system or otherwise dismissed my inquiry. 

On XX/XX/XXXX, I received a privacy notice, CRE 278 Rev. XX/XX/XXXX, Item XXXX. 

On XX/XX/XXXX, I contacted Citibank customer service. They were unable to locate my account. 

Someone has opened an account with my correct name, but using an address with which I was never associated, never used, and never visited. 

I want Citibank to locate the account with BILLING ADDRESS and send me all details about it so that I may determine the extent of the fraud.

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 05-01-2017 about Debt collection (Other debt) with The CBE Group, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I discovered this account on my credit. I never received a notice for the right to dispute. I have no knowledge of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Medical) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had obtained the services of an ambulance in a XXXX emergency. The Ambulance company is a contracted provider with my insurance and did not bill such correctly, and placed me into collections in error. I have attempted to resolve this matter for well over a year, while this debt remains on my credit report. The Ambulance company has finally billed the insurance carrier, obtained payment in XX/XX/XXXX2016, however the collection agency insists on billing me for the interest accrued and refuses to accept my co-payment that is contractually agreed with my insurance of {$200.00}. The collection agency Manager is rude and aggressive and refuses to allow resolution to this account, despite the Ambulance company acknowledging the error and that only a {$200.00} co-payment was due.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CNG HOLDINGS INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I went into a   XXXX   XXXX   store located on  XXXX   XXXX  in  XXXX  ny. I asked the clerk for a     XXXX   XXXX   XXXX   for my cell phone but he did not have it. I turned around and walked out of the store. The clerk then chased me down into  the street  to ask me if I wanted to see if I was eligible for a free  XXXX . Being in need of a working telephone I walked back to the store with the clerk. After  XXXX  minutes of running my name in his system the clerk says hey you are eligible for an  XXXX . The only thing is that you have to pay  XXXX  dollars a month for it. I said honestly that 's a little expensive sir I do n't know if I can afford that. The gentleman continued persisting I get the  phone  & mentioning perks of having a  XXXX  with the   XXXX   XXXX   service. After a couple minutes of persuasion & reassuring me I finally agreed to get the phone. The gentleman then folded sum paperwork ackwardly & ask me to sign at the bottom for the    phone.   I had no clue that I was signing a contract agreement between me and a phone leasing for the  XXXX . The clerk lied about the agreement on the phone & did n't even mention that I was leasing a phone. He claimed I was paying  XXXX  dollars a month which was  XXXX  for the service and  XXXX  dollars off the price of the phone which is initially only  XXXX  dollars on the receipt. I payed up front  XXXX  dollars for the phone not to mention  XXXX  payments or more of  XXXX  dollars every  XXXX  weeks was removed from my account unauthorized. I went back to the clerk and pleaded with him to please take the phone back but the gentleman would not. He did n't want to service me anymore after I made the purchase which was not even a  XXXX  of the initial payment transaction. I spoke with the store owner about the ordeal and he apologized and agreed to take back the phone. We had schedule a day to meet at another store location of   XXXX   XXXX   on  XXXX   XXXX  but was unsuccessful due to lost of contact. I called the owner numerous times and left numerous messages to return my call but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Private student loan debt) with Account Control Technology, Inc. (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I notified XXXX and its debt collectors to not contact me and to have all communication with attorney XXXX XXXX. I provided an address and telephone number to XXXX and they continued contacting me at my job and on my cell phone. They contacted me in XX/XX/XXXX after XXXX was notified by me and Attorney XXXX XXXX VIA phone call in XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX and its debt collectors were notified via email to only communicate with Attorney XXXX about this fraudulent loan. They disregarded the request and continued contacting me. The last attempt to communicate with me was in XX/XX/XXXX and XX/XX/XXXX. I spoke with a vile and rude young lady and again informed not to contact me and to only contact attorney XXXX XXXX and ACT continued calling. Account Control Technology made several calls to my cell phone in violation of the no contact request. The 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 non-monetary relief
Consumer complaint received 02-10-2018 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (MA).
Issue: Unexpected or other fees

Complaint: I purchased a XXXX XXXX Card in the amount of {$200.00} on XX/XX/XXXX I registered the aforementioned prepaid card in my name on XX/XX/XXXX by calling the number provided on the card I was informed by a customer service representative that the card was inactivated due to prior transactions attempted before the card was activated. These transactions were not authorized by the cardholder. 

The customer service representative refused to issue a new card number without a fee, despite the card number being compromised before purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint: I received an offer in the male From Chase United MileagePlus card for promotional balance transfer checks. The promotion included a zero interest through my X/2018 bill cycle. The fee was 2 % of the outstanding balance. I used checks for a total of {$25000.00} and paid the one-time fee of {$500.00}. I was not expecting to make any payments until my X/2018 statement cycle. Unfortunately, I learned this was not the case and I have to make a certain minimum monthly payment. The offer correspondence I received did not disclose this requirement ; it made no mention of any monthly minimum payment. I contacted Chase about this issue but received no help. They insisted the balance transfer offers are no different than a purchase and required a minimum monthly transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit reporting () with Experian Information Solutions Inc. (ME).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had my purse stolen in 2007. They never found the person responsible. I cancelled everything, credit cards, debit cards etc. My social security card was in this purse as well as my license. Several years later I was contacted by certified mail and told I needed to appear in court in XXXX maine. It stated I had a very large medical bill I had not paid. I called the lawyer representing the medical facility and explained it was not my bill. He took some information then and asked me if my identity had been stolen. I did n't think so, because there were no other things showing up. Since then there is a different name aka on my credit report and many, many accounts that are not mine. They are actually fairly good credit. My debt to income ration according to this report is extremely high. In actuality my debt to income is extremely low. I have tried to dispute this with XXXX. I even tried to go through XXXX XXXX. At this point the horse is out of the barn, so to speak, so XXXX XXXX does n't do me any good. I have read up on this and found that I have a crossed credit or something. They say it is the most difficult to fix. Any help you could give me would be wonderful. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ).
Issue: Money was not available when promised

Complaint: The transfer was put on hold and when the MoneyGram agent and me, talked with a high level manager at MoneyGram he refused to allow the wire transfer! The agent and me answered all the questions he asked! The MoneyGram manager said I was not allowed to use MoneyGram services anymore! This would not be a problem, but XXXX XXXX told me five years ago that I could not use there services! I tried to use XXXX XXXX recently, but they declined the wire transfer! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with ATG Credit, LLC (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX approx. XXXX XXXX c.s.t I received a call from a woman named " XXXX '' at ext XXXX who said she was with ATG Credit and collecting a debt from XXXX about a XXXX computer from back in XX/XX/XXXX. I immediately told her this was fraud and explained I was requesting a full validation of debt as per my rights with the FDCPA. On XX/XX/XXXX I  received a packet from ATG Credit that was what they call a " Fraud/ID Theft Handling Packet '' and in this packet they are requesting I write to them critical personal information including my date of birth, social security #, my home and work phone numbers, current and past addresses and tell them about the fraud. 
Also on the letter it states that the creditor is XXXX XXXX XXXX XXXX and I have no idea who that company is either. I do not feel comfortable giving this information to a 3rd party collections agency that obviously ca n't validate the debt they are claiming to represent that is already over 10 years old, has NEVER been on my credit report, and I have never owned a XXXX computer nor bought ANYTHING on XXXX! I feel this is a complete scam, the ATG credit company has an A rating with the BBB with over 90 complaints so we know that they obviously buy their rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Credit card () with EQUIFAX, INC. (TX).
Issue: Delinquent account

Complaint: I still have the collection sitting in my credit report form XXXX XXXX ( XXXX ) and I paid it on XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I tried to take {$500.00} out of the atm on XX/XX/2018 but when I tried the atm said that it couldnt disburse that amount and I needed to enter a lower amount, so I tried again with {$300.00} and it said the same thing. At this point I gave up and canceled and took my card and left. Later that night I checked my online banking account and say the {$500.00} on my statement it said it was disbursed when it never came out. So I called and filed a dispute and they just informed me it was denied and they are basically stealing my money and Im very upset. Please help 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 monetary relief
Consumer complaint received 03/15/2017 about Credit reporting () with FACTUAL DATA CORP. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I just received a letter from my current student loan servicer, Fed Loan, dated XX/XX/XXXX,  which states that I have made a total of 23 qualifying payments towards PSLF. However, this is incorrect as I believe this only reflects payments made while my loans have been serviced by Fed Loan since XX/XX/XXXX. I have been making qualifying payments under an approved IBR plan since XX/XX/XXXX, when my loans were serviced by XXXX. I believe there should be another approximately 24 months of qualifying payments. 

I am asking for a statement which includes ALL qualifying payments I have made on my loans, including all servicers of my loans. 

I am also requesting a payment history on my entire loan history, including all servicers of my loan. I can not view this history on Fed Loan 's website. 

I am attaching theXX/XX/XXXX letter from Fed Loan, as well as a statement I have from XXXX from XX/XX/XXXX which shows my IBR payment due of {$450.00}, of which I made 12 payments from XX/XX/XXXX through XX/XX/XXXX. I do not have a copy of my statements from XX/XX/XXXXthrough XX/XX/XXXXwith  XXXX, as I no longer have access to the XXXX account since my loans were service transferred to Fed Loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed an account for several months and requested verification documents from both the creditor and the credit agency. I have sent letters and placed several phone calls. Neither has provided any documents signed or authorized by me as verification for this account. Equifax has informed me that my file is mixed but still Equifax continues to report this erroneous account on my file. I want the account deleted and suppressed immediately since it has not been verified under the guidelines of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer, Ditech, has mailed me XXXX requests for proof of insurance on my home. I have provided this information both to the prior servicers of my mortgage and more recently to Ditech via USPS mail. ( Curiously, Ditech only accepts proof of insurance via fax or USPS, not via email or through their website. ) Ditech 's letter states that they will procure an insurance policy for my home if I do not provide proof of insurance, and that this policy will cost me roughly $ XXXX/year. I have provided them with proof of insurance, and they surely should have received the same from the prior servicer when my mortgage was transferred. This seems transparently careless at best, and intentionally difficult at worst.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: RE : Hunter Warfield Inc ( # XXXX ) I called the number provided when first contacted in writing by Hunter Warfield. I spoke to a representative on the phone attempting to make payments according to my financial capability. The representative was very rude and scoffed at my earnest effort to pay the bill over time. He said that every time a monthly payment would be made, that the company would charge an additional {$14.00} fee for payment acceptance thereby almost negating my attempt to pay over time. The representative offered no other solution to my problem except to threaten wage garnishment and court costs. In addition to these pressure tactics, Hunter Warfield contact my same phone number throughout the same day, every day, even late at night. This company went so far as to contact my employer several times almost causing me to lose my job. Please investigate this company as I believe that they have violated my rights as a consumer and this matter should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Dear CFPB.   on Saturday    XXXX   XXXX   2017 I  did purchase from macy 's with my macy 's  American express  credit card the cashier told me that I will receive another 20 % with this form which let me sign it and she put the purchase on the new card not on the macy 's card which I swipe it in front of her, when returned home I was checking it I found that she let me sign for opening another macy 's credit card then I called macy 's credit card number they told me to call Monday, when I called today Monda y  X/XX/2017  the cu stomer service told me that she will cancel the new credit card and send me statement of the purchase on the cancel card and she told me I will send you email with this which is as below ; My Question is closing the new macy 's credit card which is open without my permission will affect on m y Credit Score.?    Thank you Sincerely,  XXXX   XXXX  " Dear  XXXX    XXXX    XXXX , Thank you for your recent inquiry regarding your account.   It 's been a pleasure to have you as a customer. As you requested, we closed your account and will report it as closed at your request to the consumer reporting agencies.   Please allow at least 30 days for the consumer reporting agencies to update their files.   Sincerely,  Macy 's Credit C ustomer  Service Card  Member :  XXXX   XXXX   XXXX   XXXX   XXXX  Account ending in :  XXXX  Member since :    2017  The purpose of this Security Zone is to help you verify that the e-mail was indeed sent by  Department Stores National Bank. I f you have questions, please call  XXXX  or the customer service number on the back of your card.   Macy 's Credit Card  XXXX .  XXXX   XXXX   XXXX , OH  XXXX    X/XX/2017 /ACCOUNT_CLOSURE_BALANCE_PL "

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 12-09-2016 about Debt collection (Medical) with Specialized Management Services, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I knew my Dentist personally, and he would do free work for me sometimes. After he died, the other dentist put me in collections for the stuff i was told not to worry about. I called the office they worked at today XXXX/XXXX/16, and all my files showed i owe nothing. All this free work was 10 years ago in my low XXXX. I dont feel like any of this is on me. I went to the dentist expecting to pay everytime. And this has my credit messed up and i need this taken care of asap. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I no longer have access to my account as its been 'temporarily disabled ' by Coinbase following a number of incorrect password attempts. I 've contacted Coinbase on the XXXX XXXX 2017 ( support case : XXXX ) asking them to re-enable my account to manage my wallet. I did n't receive a response, even after a chasing email. 

I raised another case ( XXXX ) since and received a generic response linking me to a guide to reset my password, which is unrelated to my issue ( I did perform a password reset in case this was the resolution, however it was not ). I replied to this email with screenshots of the 'temporarily disabled, please contact support ' message, but still have not received a response. 

Until Coinbase unlock my account, giving me access once again, I can not access any funds in my wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (I do not know) with Weinberg Mediation Group LLC (AZ).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I sent the Weinberg Mediation Group a validation debt letter, and cease and desist letter. They continue to call and  harass my mother and I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation