milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, XXXX, I noticed XXXX fraudulent ATM withdrawals ( {$400.00} each ; total {$800.00} ) pending from my Citibank checking account. I immediately contacted the Fraud department to make a claim for XXXX unauthorized transactions. Because it was a Saturday, the Fraud dept. could not tell the exact location where the cash was taken. On Monday, XXXX XXXX, XXXX, those XXXX fraud transactions posted on my account showing funds withdrew from an ATM machine in XXXX, XXXX. I am physically located in XXXX XXXX, XXXX. I have no relatives in XXXX and have not made any trip there throughout my entire life. When I called to make a report on XXXX XXXX, XXXX, I told the fraud dept. that on XXXX XXXX, XXXX, I authorized my mother to withdraw only " XXXX XXXX dollars '' from an ATM located in XXXX XXXX, XXXX. The XXXX unauthorized transactions were withdrawn XXXX hours apart from that transaction which I did not authorize. I clearly made my statement however Citibank Fraud dept. has declined XXXX of the XXXX unauthorized transactions, stating that " I authorized the withdrawal of XXXX of them. '' This is what I learned from the Assistant Branch Manager at one of the branches in XXXX, XXXX on Monday, XXXX XXXX, XXXX. 
This is totally absurd and ridiculously where Citibank Fraud dept. has fraudulently stated that " I authorized it '' in order to deny refunding me {$400.00} plus the non-Citi ATM fee of {$2.00}. As of now, I am still waiting to see if I will get my remaining {$400.00} + {$2.00} back which I had to make another separate fraud claim on Monday, XXXX XXXX, XXXX. 
How could I positively authorize the withdrawals in XXXX XXXX when 1 ) I live in XXXX XXXX XXXX and the ATM card has been in my possession all the time, 2 ) I can not possibly make a 2-hr fly to XXXX, XXXX from XXXX XXXX, XXXX, and 3 ) I have no relatives in XXXX XXXX nor has ever made any trips there. 
I 've been with Citibank since XXXX and it 's a great disappointment to know how the Fraud dept. can carelessly accuse someone making an authorization where no basis or evidence was provided to the consumers. This is one of the example that Citibank Fraud dept. commits a " fraud '' themselves. This is the first time it ever happened to me and I 'd like the Consumer Financial Protection Bureau to know and take appropriate actions to protect consumers who may have ran into similar situations like myself.

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 01/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To Whom It May Concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am in receipt of your letter stating that my dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Enclosed is the disputed items highlighted. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # Opened Date XX/XX/XXXX $ {$4500.00} FRAUD ACCOUNT XXXX ACC # XXXX Inquired that is not mine XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 
If you have any questions, please contact me at the address listed below. 
Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 07-05-2016 about Debt collection (Federal student loan) with Performant Financial Corporation (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My wages are being garnished from Performant Recovery. They will not work with me or return phone calls about a payment plan. I have talked to at least 5 different people and they all tell me something different.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 I was alerted of the XXXX breach, when checking their website to see if I was affected. The website stated I was part of the breach. A report states my social security number, name, address, and potentially credit card number is now public.

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 05-07-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a collection account from convergent saying that I owe  XXXX . I have never had an account with  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 01/18/2017 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Billing disputes

Complaint: I returned the product ( cell phone ) on XX/XX/2016, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XX/XX/XXXX to XXXX XXXX XXXX to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from XXXX XXXX XXXX ( XXXX ). After I returned the product back and contacted with XXXX, XXXX said that they already sent the money to them and closed the case. Further, because my case is expired, XXXX ca n't reopen my case again ; thus, I did n't get the money back until now. 
I also contacted with the seller 's bank " Paypal, '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. The merchant 's company did n't register and fraud. I am thankful Paypal is holding this transition, but XXXX reply I lost the case and they ca n't do anything for this case. I indeed returned the item and I hope it is not too late to get my money back before Paypal transfer my fund to the seller. Could you help me to solve the problem? 
Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with CITIBANK, N.A. (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX , XXXX XXXX XXXX , XXXX XXXX of XXXX XXXX have been making multiple attempts to contact me on behalf of Citibank for a credit card debt that is past the six year statute of limitations in XXXX and XXXX. They have sent letters on XXXX XXXX, XXXX XXXX, XXXX XXXX, in an attempt to collect the debt and have also sent an " appearance '' notice for the State of XXXX Superior Court. They are attempting to re-age a debt that is over seven years old, and Citibank had already sued me in 2008 in the XXXX ( XXXX ) Superior Court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was researching my credit report as I do every month and noticed an account from XXXX XXXX. It stated that there was a late account from XXXX XXXX. I called XXXX XXXX and they stated this account was opened in my name in 2014. On top of that is was even prior to my XXXX birthday. I already had this dispute removed with XXXX in the past but for some reason this came up again. I supplied them with my state id, drivers license and birth certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I sent letter requesting for verification and not received a answer. It been more than several months.

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 05-10-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I would like to get my free annual credit report from Equifax , but can not get a copy of it. I have submitted a request via USPS mail, since requesting a credit report online from THIS credit reporting agency is IMPOSSIBLE TO DO!

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have never requested a fraud alert and made several attempts in attempting to get the fraud alert removed. I wrote one credit bureau about a balance discrepancy and the next thing I knew I got a letter that one credit bureau would take it upon them selves and notify the other XXXX national credit bureaus about a fraud alert to be placed on my credit reports I then wrote in with all my personal information and the only response I can get is the fraud alert has been extended. I did not request any fraud alert and now I have been discriminated against over an active credit card account with no card because the card is worn out.My privacy rights were violated and discriminated against when I was denied a new card over a fraud alert that I never requested. If someone thought that I had requested a fraud alert then the credit bureau should have contacted me in writing the consumer to confirm that I had requested a fraud alert, next how do they get a fraud alert out of a balance discrepancy, and last nobody got my permission about placing any fraud alert on my credit reports. My privacy has been invaded and I do n't know what to do to be compensated but I again contacted the bank that wont give me a new card and they still claim that the fraud alert has to be removed from file before the card can be issued so also that is called discrimination. what is the verification process for if they are going to deny me over a fraud alert.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

XXXX XXXX has responded to my previous dispute saying that they deleted the inquiry and that they would not respond to any more disputes because they had deleted it. It is not deleted. It is still being reported on my Experian report and I have contacted Experian and was told that XXXX XXXX has NOT informed them to delete the inquiry. The inquiry date is 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 non-monetary relief
Consumer complaint received 08-06-2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Other

Complaint: There is a inquiry on my credit report for Jcp I have not inquired for Jcp and I live in XXXX not XXXX not sure who did that but that one is not me and should not be on there and would like you to look into that and release it from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX was never on my past credit reports ( XXXX/XXXX/XXXX # # # # XXXX, XXXX/XXXX/XXXX # # # # ; or XXXX/XXXX/XXXX # # # # XXXX, until after my bankruptcy in XXXX, and approximately a year later XXXX report it being included in my bankruptcy already confirmed by a judge, I never signed any documents for any recent open account noted XXXX/XXXX/XXXX credit bureau in XXXX. Approximately 8 years ago, I order a small item and returned it to them. No account was opened. In XXXX it is now noted and was reported on my credit as included in my bankruptcy which brought my credit score down XXXX points. I contacted XXXX and they noted they did not include me in any bankruptcy but it is still reporting on my credit report. My attorney did not submit, there was no reason. Also, the law requires that a bankruptcy be filed every XXXX to 10 years and Transunion credit bureaur are reporting it more than once which are duplicates of just XXXX in 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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: Tonight, my daughter called XXXX for a car loan with me as the co-signer. I have my credit frozen and didn't get word that this was being checked while I was at work. Experian called the incorrect number to reach me and called XXXX back and told them that they could not reach me to unfreeze the report so the whole application was chucked, and, must, 2 hours later, be redone and submitted. The thing that angers me the most is that Experian 's phone and " contact us '' is specially designed to avoid ALL contact or to hear from people on anything about which they do not wish to communicate. The automated phone system allowed two options. If your concern did not fit this, the call was disconnected. The email system is the same. There was NO means of contact for my issues. If you are not a " member '' ( why do I NEED to be a member of a credit monitoring bureau? ) there is no way to ask why I was not contacted on my cell or to express my frustration with their customer service experience. Given the extraordinarily important business in which Experian is engaged, and how much control they have over people 's lives, they need to be required to engage with those who's personal business and financial matters they control. There is a naturally adversarial posture here since consumers do not do business with them or purchase services from them. They don't " need me. '' Where is the protection in " consumer protection ''?

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 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was forclosed upon on XXXX XXXX, XXXX, so this is not a current loan situation. I did n't know about your bureau during the time I was trying to work with my mortgage servicer. Beginning in XXXX I applied several times for a loan modification with my then mortgage servicer, IndyMac. I was turned down XXXX to XXXX times. I lost {$1400.00}. a month income in XXXX and had not been able to get a job plus was unable to work a full time job and at times a job at all due to being XXXX. I had not gone through the state XXXX process since I was still collected spousal support. I was trying to better my life, so that I could work at something and get more income to support the house I bought in XXXX. I know now that I was maneuvered into bad loans and that I was qualified to buy a home that I really did n't have the income to support. The person who brokered my loan did not work in good faith with me and in fact took advantage of the then laws or may have broken some to get me into my home and collect allot of money for doing so. At the end of XXXX, my loan was sold to Ocwen Loan Services and I began applying for modification help with them. I was never approved with a final reason being " they do n't give modifications ''. Finally I hired Real Estate professionals to help me get approval for a short sale, which originally this Company said I qualified for. After several Real Estate pro 's and XXXX well qualified buyers the Ocwenb Company tuned down my application for doing a short sale or a sale in general. I lost the buyers ofcourse. During the XXXX, XXXX and XXXX of XXXX, the value of my home had climbed and I could have gotten at least approximately {$50000.00}. 
from a sale of my home. Instead my home went into foreclourser and left my possession on XXXX. 

It cost me about $ XXXX to buy the home. I put approximately {$55000.00}. in upgrades in as well as paid some money on principle and mostly interest only. I am XXXX and this is a huge gouge into my future ability to live. I may have been duped on buying this home and ultimately I made the decision on the loans, but I was taken advantage of. Then a mortgage crisis comes along and finished me off as it did on so many people who did nothing wrong and lost homes, jobs, investments at older ages. 

This whole situation is a travesty and I believe the mortgagees, owners of our loans should have had to make each and every home loan situation work because they, and their whole industry caused the problem we suffered for. I would like help in re-cupping money lost, at least what I would have gotten in selling the house, myself, in XXXX. I think that is the most fair outcome of this horrible event.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with M.A.R.S., Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Was unaware of debt until requested credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Mortgage) with Ditech Financial LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Has in the past threatened to take legal action but currently, when they call me, if I answer my phone they hang up. If I do n't answer it they k eave a message with a call back number. I call back and leave a message with no return call. This is a second mortgage on a house we lost in forclosure.i have been making payments to them every month for 5 years. I have even offered a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: EQUIFAX has verified XXXX collection accounts ; the accounts XXXX XXXX AND XXXX XXXX are a duplication on the credit report ... .even though the collection is a difference of 12 dollars..they have XXXX collection accounts for a XXXX service of XXXX, the original creditor .PLEASE DELETE XXXX ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had an account report from XXXX XXXX XXXX an owed account on my credit report for the amount of {$2000.00} that I am certain does not belong to me. I mailed a certified letter received on XX/XX/XXXX with tracking # XXXX XXXX XXXX XXXX XXXX and received a response from my inquiry dated XX/XX/XXXX. The letter included my name, current mailing address and social security number. The response included information and a credit account tied to a person name XXXX XXXX. I now have the private information belonging to another person, tied to may address. My understanding is that this breaks federal credit reporting laws and regulations. As well, I am certain the information they are claiming belongs to me and are reporting to Experian and XXXX are also incorrect. I am requesting help in immediately removing the fraudulent and incorrect reporting to all XXXX credit bureaus as well as the the extraction of all of my personal information from XXXX XXXX XXXX. Thanks for your help and immediate response.

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 06-05-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I recently reviewed my bank statements,. I noticed that the Wells Fargo bank had been charging my accounts {$2.00} per non Wells Fargo ATM transactions plus an additional {$2.00} from the merchants ATM. Which resulted in a insufficient fund balance to my accounts. Since then the Bank has returned {$49.00} dollars and a additional {$90.00} dollars credit. The balance owed is {$390.00} dollars. The estimated amount was calculated from  XX/XX/XXXX  through  XX/XX/XXXX  ... .. On  XX/XX/XXXX  I returned to the bank to discuss the remaining balance with the branch manager located at the   XXXX   XXXX   location. The manager stated that there nothing else that he could do and that he did n't understand why the customer service return those additional funds. I explained to the manager that none of my paperwork stated additional funds would be withdrawn. I am seeking all of my funds be returned to my account immediately. Thank for your time account #  XXXX  routing number/ # account  XXXX / debit card  XXXX  Name on the account   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