milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Closing/Cancelling account

Complaint: I opened my first credit card with Citi bank in XXXX, this was my only credit card for several years. I had a balance for meany years and finally was able to transfer the balance to pay it off. I stopped using this credit card because I did not want to have a balance on it, the last time I used it was XXXX XXXX. In XXXX of XXXX, I received a notification from XXXX that my score had changed, when I logged in online it stated that one of my account was closed, it was my Citi card I opened in XXXX. I was furious because I never received any notifications of my card being closed from the bank!. Especially since I worked in banking for about 3 years, I thought this was very unusual since a lot of products are grandfathered.I called Citi bank right away and said they sent out a notice ( which I never received ) and in order to reopen the card they would have to pull my credit. So now i am confused because they closed my card which resulted in my score getting lower and now they are pulling my credit which would further reduce my credit score. They then said they would send me a replacement card, BUT it was returned ( based on a letter dated XXXX XXXX ). That is weird because I have been received SEVERAL promotional mail to open a new credit card with Citi Bank. When I called back in XXXX ( I had gone to a XXXX ), the customer service rep said that there was no replacement sent. I asked if they could resent me a card and I was told my account was closed again!! So now I AM FRUSTRATED AND ANGRY! They tell me that I would need to have my credit pulled AGAIN in order to determine if they could reopen it. So this is a 3rd strike on my credit because of Citi bank, and now they say that I CAN NOT reopen that card because of my credit!. This seems unjust and unfair because I was left with no option and at the mercy of Citi BANK! please help me reopen my credit card

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 08-01-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Per XXXX at XXXX XXXX XXXX Ph # called and gave me ID # XXXX. She stated that the file is in litigation status and that they have filed a civil suit againist me. When I requested to get the debtors information she declined information several times. She transferred me to another Rep whom gave me the information for Bank of America and gave me a number. I called Bank of America and they advise that that Case Manager XXXX would help me. I spoke with XXXX whom advised that she was collecting on a debt from 2008 I advise that the statue of limitation for collection has been exceed and she went to say that they had the right to continue to sue me for {$6700.00} for a credit card that I am not even aware that I had. I asked for more information but they wanted to just continue to ask me for my personal information such Social and DOB and address.

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 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a remark listed from a collection agency which is false information and inaccurate. I tried to dispute with no outcome please help

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have paid down these accounts : XXXX XXXX XXXX XXXX, XXXX CREDIT CARD XXXX, XXXX XXXX XXXX '',

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (KY).
Issue: Problems when you are unable to pay

Complaint: I spoke with the company and let them know I had been severed from my job in XXXX. They said they understood and would work with me. I paid small payments, but then when I was unable to pay in XXXX they began calling me twice a day on weekdays and once a day on the weekend. Then, today they called one of my references. I was two months behind and they became very predatory and made me feel harassed. when I spoke with them today, they claimed they did not have record that I was unemployed and had recieved severance although they admited to sending me the necessary documentation for it. I told them I was contacting CFPB and they said that would turn me over to legal if I did not make a payment by XXXX XXXX. I made a {$200.00} payment, but felt a lot of pressure after their threatening legal and wage garnishment on me. I can provide more documentation ( call logs on my cell phone, my reference contacting me about them calling her, and the paperwork they sent to me when I was unemployed ). This is predatory and unfair.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Verbal agreement with a third party debt collector ( XXXX XXXX XXXX ) to  pay an account in full and they would remove it from my credit reports. I paid them in full ( {$190.00} ) on XX/XX/XXXX and after over a year the tradeline is still reporting on my XXXX & Equifax Reports. They have continually fought against removing the tradeline even though they originally agreed to do so. Disputes with all three credit bureaus led to only XXXX deleting the tradeline. I filed a complaint here with the CFPB and their response was " CFPB referred complaint to the Federal Trade Commission on XX/XX/XXXX. '' I have also informed XXXX XXXX XXXX, XXXX, and Equifax that they are all in violation of Texas Finance Code Section 392 which states : ( a ) A third-party debt collector or  credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}.
The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. TEX. FIN. CODE 392.001 ( 6 ), MEANING XXXX & EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Medical debt) with Retrieval-Masters Creditors Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a correspondence from AMCA dated XXXX/XXXX/XXXX stating that I owe their company. On XXXX/XXXX/XXXX, I sent them a letter requesting that they validate the alleged debt. On XXXX/XXXX/XXXX, I received a bill from XXXX and my letter back from them, which are absolutely not debt validation as I requested, and they also violated the XXXX laws. That is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I sold my house. I requested a payoff as did escrow. We did not receive the payoff until I submitted a complain with you. I finally received my payoff and they added XXXX to the payoff for " estimated additional charges through XXXX XXXX County property taxes '' I have an impound account that has XXXX in it. Property taxes are not due in California until XXXX late after XXXX XXXX. My account was payoff on XXXX XXXX. There is no reason they should have added that to the payoff. I called in and they say they do n't know why that was added but it has not been added to my impound account. I should receive a full refund of what is left in my impound account plus this XXXX. They statement I am providing you is from XX/XX/2015. they are no longer sending statements but instead a coupon with no loan information. It states you can only get loan information by going on their website. Since my account is paid off I have no access to their website Many people do n't have access to computers. I do n't know how they can not send a statement with no information. I have included my payoff I received, my XXXX 2015 statement and the XXXX coupon. I want to make sure this company gives me back my impound account plus this additional XXXX of my money they took that was not needed. This company has been very hard to deal with. I can get no answers from customer service. I appreciated your assistance in this matterElizabeth LongdenSeterusLoan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (PA).
Issue: Managing the loan or lease

Complaint: Had my car financed with Westlake Financial Service on XX/XX/2016 in the amount of {$19000.00} that included {$390.00} for Gap insurance. On XX/XX/2016, had my auto loan with Westlake Financial Service refinanced with XXXX XXXX for {$18000.00}. Futhermore, on XX/XX/2016, contacted Westlake Financial Service and spoke to XXXX and requested an refund for {$390.00} for the Gap insurance. XXXX advised me that Westlake Financial Service does not issue refunds for Gap insurance for any reasons. I advised XXXX that Westalke Financial Service Gap Insurance does not transfer to my new lien holder and I should not be paying for the coverage that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There was not really a category for my problem. I am trying to setup a connect.experian.com account so i can check the credit of prospective renters. I tried to setup an account and they told me some of the information on file was no matching and that I should request a free credit report then submit the credit file number to setup an account. After doing all that and receiving my credit report they are now telling me that I ca n't set up an account because " I do n't have any credit ''. I have replied to the XXXXXXXXXXXX email and told them I do n't want to share my credit but want to be able to have others submit their credit to me for the purpose of renting. Some lazy CS rep is just cutting and pasting the top XXXX replies into my email without bothering to address my question. Its the classic case of " Question Deflection '', I send them a question and they cut/paste something out of their list.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: About 3.5-4 years ago I contacted Navient to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX XXXX  and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with Navient and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was 44 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit card () with U.S. BANCORP (OH).
Issue: Other

Complaint: Members of XXXX XXXX XXXX encountered fraudulent advertising and misrepresentation regarding our stay at an Apartment ( which was advertised as such ) which was unclean, lacked the proper facilities advertised, lacked proper ventilation and safety features for XXXX ( all of us ). The owner ( who actually lived there ) refused to refund our money after we saw the accommodations, was indignant and never returned our phone calls or requests for a refund via certified letter. His personal cleaning, clothing, maintenance, and garbage was left inside the premises. Pictures included tell the story as well as other complaints on line. He continues to jump from one hotel website to another after receiving complaints. 
We are complaining due to the fact that no response has yet been received as to USBank findings were.Tthey refused to investigate any further or contact the owner of the property for verification of our complaint, yet all contact information has been afforded them. Our money was refunded immediately after filing the dispute with the Branch office in XXXX XXXX, the end of XXXX, then we see that the amount was deducted out of our business account with no further contact or attempts to receive more information from USBank in XXXX, ND. Customer service puts the blame on us as Seniors for staying there with no action done on their part to resolve this dispute whatsoever. We had no where else to go since we were XXXX miles from home, this is a peak season in XXXX and better hotels were all booked up. As XXXX as well as XXXX Officials of a Non-profit XXXX XXXX we feel that we have been mishandled and taken advantage on both sides in regards to our own funds and membership donations..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2017 about Student loan (Private student loan) with Capital Management Services, LP (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My loan has been sent to a second collection agency - I think. I have received a letter from Capital Management Services , LP stating they " have been engaged by XXXX XXXX XXXX XXXX to resolve your delinquent debt .... '' I have been making payments to another agency - XXXX XXXX XXXX XXXX XXXX XXXX - since XX/XX/XXXX 2015. 

I have written a letter to Capital Management Services , LP asking for an explanation. I am mailing this letter today.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Capital one hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect {$700.00} the was discharged but capital one kept getting other companies to try to collect on a debt that wall already been discharged. I called my attorney XXXX XXXX XXXX XXXX they wrote capital one and know capital one is using other collection company trying to collect on a discharge bankruptcy that happened in the was filed and complete in a chapter XXXX. I never had a account with XXXX or XXXX XXXX XXXX XXXX XXXX XXXX never opened a account with this company but was hired by capital one to collect a discharge debt that over 10 years old .they keep taken them down and replace back up under different names .I would like to resolve this before it gets into a legal mess. There is a file XXXX # XXXX I never opened new account with this company I called and Capital one once again getting or selling discharge debt to the company .also debt of closed accounts should of been of my account and not showing on my credit report they are too old. Thanks you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to fix my credit. But nothing seems to be changing. I then realized that there are some conflicting inquiries on my credit report. These are inquiries that I never authorized. Some I dont even know about. Others, I was pre approved, but they showed as hard inquiries on my credit report. I have contacted them but nothing good came out of it. Trans Union is not giving me a good answer each time I speak with a representative. They keep telling me they will look into it. XXXX removed the few I complained of long ago. 
The following were not authorized by me : XXXX XXXX XXXX ; XXXX ; XXXX XXXX, and XXXX offered me and my application was approved, but it ended up showing as a hard inquiry. XXXX XXXX, pre approved me, I accepted and was approved, but yet it showed as a hard inquiry. XXXX XXXX also pre approved me, but it showed on my credit as a hard inquiry.

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 09/30/2017 about Debt collection (Other debt) with I.C. System, Inc. (ME).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Noticed this item on my credit report XXXX XXXX ). I never received letter from this company. Also, XXXX contacted me on or about XXXX XXXX, XXXX, in regards to this matter, and did not send me a conformation email, or mailed letter.

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened an a credit account with  XXXX   XXXX    XXXX    XXXX   XXXX  in  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  XXXX   XXXX  was to correct this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing the  XXXX  accounts. The removal is to be fro the account ending in ...  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Credit Management ( MCM ) has inaccurately been reporting an account to my consumer credit reports. I have contacted MCM multiple times via mail about this account 's invalid status. This account is far past the 7 year period allotted by the Fair Credit Reporting Act ( FCRA ). MCM is in violation of the FCRA by reporting an account past the given time period. I have also disputed this account through the credit reporting agencies to no avail. I respectfully request that this inaccurate tradeline be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Barclay Bank  Delaware filed a lawsuit against me in the  Civil Court of Ne w Jersey ( without any notice to me ) that I owe them a debt in the amount of {$2600.00}. Furthermore, after reviewing additional documents from the court it shows  Barclay Bank Delaware requested {$2900.00} to be levy ; which does not make any sense.   I was unware of this debt and have had no knowledge of this debt until my bank account was levy on   XXXX   XXXX   XXXX     ; I have contacted the law firm  Barclay ban k hired to  VALIDATIE t he debt pursuant to  15 USC 1692g Sec. 809 ( b ) of the FDCPA however they refused to valid  ate because they received judgment from court because I was not present to dispute the debt.      Furthermore, after reviewing all the court records and no records from plain tiff (  Barclay  ) attorney it shows that no one has any proof that I was ever properly   served to appear in court to dispute the debt. On   XXXX   XXXX   XXXX    , I filed a motion with the  Civil Court Ne w Jersey to vacate the judgement. The motion was granted and all party was notified to appear in court on    XXXX   XXXX   XXXX      ; however, no party from  Barclay  attended the hearing to validate their claim, therefore judge released most of the fund from levy to the defenda nt ( I/Me ) and  advised I settle the claim with   Barclay and or file new motion/complaint to verify the debt.
Thus, It is imperative that Barclay Bank Delaware contact me thus we can resolve this matter. I will not hesitate bringing in separate civil complaint legal action against Barclay   Bank Delaware for Violation of the Fair Debt Collection Practices Act and Defamation of Character.

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