milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Privacy

Complaint: Costco opened up and authorized Citibank to open a XXXX account in my name. My previous Costco card as from XXXX XXXX. Back in XXXX, I had expressed to XXXX XXXX that I did not want any other XXXX XXXX cards, and specifically inquired about how the account would close. I was told it would automatically close in XXXX of 2016. XXXX of this past year, I again inquired to confirm that the account would close on its own in XXXX of 2016. I again expressed to XXXX XXXX, who was trying to convince me to sign on to another type of XXXX card, that I had no interest. We already had XXXX XXXX XXXX XXXX and XXXX XXXX card. I received a Citibank Visa card last week from XXXX, when I called citi, they stated that all of XXXX XXXX XXXX accounts were turned over to Citi and that we were notified in each statement with leaflets that this change were to take place. 

I never authorized anyone to open an account for me at Citi. I never authorized anyone at Citi to run my credit. I have since tried to call Citi to no avail because of the large demand from Consumers calling Citi regarding their new Costco card. I was told from my first conversation with Citi, that the new account would close on its own after two years of non-use. The people at Citi also proceeded to tell me if I were to close the account it would hurt my credit score. They then proceeded to explain the wonderful benefits of owning their credit card. 

I am absolutely disgusted with how my account was opened without my permission or authorization. I think this credit system of losing points on your credit score because of closing accounts is wrong and insulting. I have always paid my bills on time, and never have been late. I purposely make sure my credits watched and managed closely. To have them open an account without my permission is an invasion of my personal privacy. I would like the account closed, and done so in a manner that DOES NOT REFLECT ON MY CREDIT. I want it closed by them acknowledging to the credit bureau it was opened inadvertently and without my permission or authorization.

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 01/22/2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I want to file a formal complaint against GCS, LP, and I selected the loan category ( Federal student loan ), because the loan servicer/collection agent, GCS, has not been able to provide important details, like the type of loan, original loan balance, interest rate, etc. Their last representative, XXXX, has been calling me on my mobile number, which has been listed on the National Do Not Call List, since XX/XX/XXXX. She is calling me before XXXX, and the last call was on Wednesday, XX/XX/XXXX at XXXX. I assume she is calling me about a student loan that was disputed and verified by the U.S. Department of Education and XXXX University. 

In XX/XX/XXXX, the Financial Aid Dept. ( FAD ) at XXXX University awarded me a student loan to cover the cost of XXXX courses, but those funds were not distributed to me, because I earned a scholarship from the XXXX, and the FAD determined that I had received an over-award of financial aid funding, so they returned the funds to the financial institution. 

In XX/XX/XXXX, the U.S. Department of Education and XXXX University verified the over-award of financial aid and the cancellation and return of loan proceeds in a letter that I sent to XXXX ( XXXX ). At the time, XXXX was located in XXXX, XXXX XXXX is a subsidiary of XXXX, and XXXX is currently being sued. 

GCS is trying to collect on a matter that has been disputed and verified. They are also adding thousands of dollars in fees to a non-existent debt. Please do all you can to stop this madness! I have enclosed contact information for the U.S. Department of Education ( DOE ), GCS, XXXX University ( XXXX ), and XXXX ( XXXX ). 

Regards, XXXX Contact Information : ( 1 ) DOE, XXXX, XXXX, XXXX XXXX, XXXX, XXXX ( 2 ) GCS, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( 3 ) XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( 4 ) XXXX - XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My name is  XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX , or  XXXX   XXXX  and my address is  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Md  XXXX  not  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX    XXXX   XXXX   KY  XXXX ,  XXXX    XXXX   XXXX    XXXX      XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Ky  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   KY  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX  A   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . Also my phone number is  XXXX  not  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 05-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX This account is not being updated or maintained, correctly. 
1. The Monthly Payment, has {$91.00} a. In the Balance History - XXXX has never supplied this amount to Experian. 
2. The Recent Payment has {$1600.00} a. In the Balance History - XXXX has never supplied this amount to Experian. 
b. I have never PAID XXXX this amount Please Ensure that the Payment History and the Monthly Payment amount, is correct.

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 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Information such as 4 collections and 9 inquiries were deleted from my transunion credit profile on XXXX and were readded on XXXX. I tried disputing the incorrect info and transunion did not comply to any of my concerns on 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 10/18/2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Balance transfer

Complaint: In XXXX 2016, I used a promotional check from Fifth Third CC ( Bank ) to pay for a large purchase with a 12 month 0 % Interest fee in the amount of {$2000.00} with a balance transfer fee of XXXX. We are careful about being sure to pay the amount off before the ending date. The balance of the card was paid off before we used the check. So there was a XXXX balance on the card when we used the check. Each month when the bill comes there is no date for the promotional ending period. 
Today XXXX My husband and I spent almost 2 hours trying to find out the end of the promotion. Fifth Third then told us the promotion ends on XXXX XXXX. All statements are due on the XXXX of the month. We were shorted an extra month. If I had n't spent the time on the phone trying to get the ending promotion date we surely would have been charged a huge interest rate. Their customer service is told us there was no way for them to figure the end of the promotional rate until we went through all our statements. I believe this is a ploy to be sure many consumers will go over their date thereby adding millions of dollars to what amounts to a semi-scam. If there is n't a law to put the ending promotional date on credit card statements - there should be. I had another promotion on a different card that also shorted the promotion date. But because it gave the ending date for the promotion I was able to get it changed to the correct date. 
When speaking to Fifth Third today, I asked for proof of the check and promotion dates. I was told by XXXX ID XXXX that he would provide this. However their customer services ( I spoke with 4 different people ) and three of the four had no idea what a deferred promotional interest rate was.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease

Complaint: I was a costumer with Hyundai Motor Finances for three years as I had leased a car with them. XX/XX/2016 I decided to returned my lease car which was due back on XX/XX/2016. I traded in my car for another used car in which I financed. During this appointment I was informed that I not longer needed to pay the remaining 3 months left on my lease at it would be taken care of by the XXXX XXXX Hyundai dealership and they would take the remaining balance and incorporate it into my new monthly payments. A month later we started receiving letters stating we had been late on our payments. I immediately contacted XXXX XXXX Hyundai to see why I was getting late charges when I no longer owed anything on the car. They informed me that it had been a mistake and that the issue would be resolved. I waited about 2 weeks to then find out the problem had not been fixed yet and the late charges were piling up. I was in contact with both Hyundai Motor Finances as well as XXXX XXXX Hyundai to solve this issue. I informed them several times that I had never made a late payment in the 3 years that I had been their costumer and that this issue needs to be resolved before it affects my credit score. It took a little over a month for them to finally pay off my account balance and to finally remove me from the lease. However, at this point my credit score had drastically dropped. XXXX XXXX Hyundai said that it 's out of their hand at this point.I contacted Hyundai Motor Finances several times to get them to take this off my credit report. They insisted on a letter explaining the issue and so we sent that in. After that, we received another letter stating we had no provided enough information.Therefore we wrote another letter explaining in more detail the issue. It had been almost 3 months and this issue has not yet been solved. My credit score has dropped severely because of an mistake that was made on their end. I have documents proving that I have returned the car, I no longer needed to make any payments, and the car was no longer under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with U.S. BANCORP (FL).
Issue: Rewards

Complaint: Elan Financial Services refuses to pay out reward points when I have a statement clearly showing that they are earned and payable. My account was purchased/transferred from XXXX and Elan says they did not get the points. XXXX has no information about the account and will not talk to me. 

The account is registered in my deceased husband 's name and I am his personal representative.

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 09/21/2016 about Debt collection (I do not know) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive many automated calls from this company. I do n't know the reason. They can write me with all details. I am in poor health and many phone calls are very worrisome.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Other bank product/service) with KEYCORP (VA).
Issue: Account opening, closing, or management

Complaint: I had a car loan with First Niagra Bank. The loan was assumed by Key Bank and I received a letter from Key Bank dated XXXX XXXX, 2016, stating that as of XXXX XXXX, 2016 Key Bank would become the holder of my auto loan. 
I have made XXXX payments via phone to XXXX on this loan, on time and in accordance with the original terms and due date on the loan. Key Bank processed both payements and accepted my money. 
I was told on XXXX separate calls that I would be rfeceivign a statement in the mail within XXXXXXXX business days. I NEVER received anything from Key bank beyond the original letter mentioned above. I called once more, and was told that I do not get paper statements because I am set up for auto-pay. I can not log into the Key Bank online account access until I have an account number. I can not get an account nuber until I get a statement. XXXX calls, no answers. i believe this is the most incompetent bank I have ever encountered. 
need to register my car in Virginia ( having recently moved to Virginia ) and I am unable to do so until I have the loan acct inormation, which I can not get until I log into the online banking site, which I can not due until I receive my account number, which is on my statement, which I do not get because I am set up for auto-pay, which can not be collected because the bank where the payment is taken from has been closed. 
Worst Bank EVER!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Allied Interstate LLC (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX I received an alert from my credit monitoring service stating that a new debt was added to my credit report. I logged into my credit monitoring account and it was brought to my attention that Allied Interstate, LLC ( a collection agency ) added an account from XXXX XXXX onto my credit report on all 3 credit bureaus for an owed amount of {$700.00}. According to my credit monitoring service, it states that this account was opened on XXXX XXXX, XXXX. I do not owe this debt because I have never opened an account with XXXX XXXX whatsoever. On XXXX XXXX, XXXX I opened an online dispute via XXXX XXXX XXXX XXXX websites. I was informed that it could take 30 to 45 days to get a response. On XXXX XXXX, XXXX I received numerous calls from an unknown number ( XXXX ), when I called the number back it was Allied Interstate LLC. On XXXX XXXX, XXXX, the very next day, I received an email from XXXX stating the Allied Interstate account came back verified. I am at lost with words as to how Allied Interstate can verify this account by solely calling someone constantly. I immediately called XXXX and did another dispute over the phone because this account does not belong to me. On XXXX XXXX, XXXX received the results via email from XXXX stating the same, that the account was verified. The online dispute is still in pending for XXXX until XXXX XXXX, XXXX. After receiving the results for my online disputes for XXXX and XXXX I called them and asked what method of verification did Allied Interstate provide to prove their case and they could not provide me with that information. I do not know what else to do now but file this complaint because I do not nor ever had an account with Allied Interstate or XXXX XXXX. I have even reached out to XXXX XXXX and I asked them to search my name in their database for any account and I was told verbally that I have never opened an account with them. I then requested a written letter, but I was told no one in that department or any department does not have permission or the means to do so as hard proof that I have never had an account with them.

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 07/26/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (NY).
Issue: Unauthorized transactions or other transaction problem

Complaint: I have 42 transaction that were removed from my PAYPAL account over the span of XX/XX/XXXX through XX/XX/XXXX where the transactions were cancelled by the service provider, however, the funds were still removed from my accounts and never returned. I never thought that if the transaction was declined by the provider to look into my PAYPAL account and make sure that they were actually removing the funds. I assumed just like a bank they are responsible to refund money if it is not being utilized or it is cancelled in the the transaction. All 42 transactions clearly show they were cancelled by the provider ( XXXX  XXXX ). However, the funds removed from my accounts were never refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX keeps trying to charge me for a month of service after I canceled my service on XXXX XXXX 2015. I returned my rented modem in the store and was told that my account was settled up, my auto payment was cancelled and that I would be billed for approximately {$28.00} on or about the XXXX XXXX 2015. On XXXX XXXX 2015 I was charged for the entire amount of $ XXXXXXXXI called on or about the XXXX of XXXX and asked why I was charged the full amount. XXXX informed me that this was an error and that I would be receiving a check for {$42.00} in the mail. On XXXX XXXX 2015 I was charged an additional {$71.00}. A few days later when I called XXXX I spoke to a few different representatives. First representative told me it was for my XXXX services since XXXX always bills a month in advance. Their website confirms this XXXX. The second representative told me that my services were still online because I did not turn in my modem, I informed them that I had and they said " oh yeah it looks like you have. '' I asked to speak with the next level manager who then told me at first that it was for my XXXX services. I informed them that I had canceled on the XXXX of XXXX and they then switched their story to " right you need to pay for the entire month of XXXX '' when I asked why it was n't Pro-rated they told me you pay after the services are consumed not before, a direct contradiction to my bill, their website, and the previous representatives. I was told their manager would call me back they never did. After a few more days I filed a dispute with XXXX XXXX. XXXX XXXX investigated the dispute and determined that the bill was not in fact mine. After XXXX lost the dispute I got a bill in the mail for my cable service for the month of XXXX and they have submitted the entire amount to a debt collection company. I am paid up and keep getting different stories from their representatives on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: They are charging me interest on {$80000.00} when my current principal balance is {$65000.00}. I have contacted them several times they refuse to acknowledge this problem let alone make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (WI).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: IT HAS COME TO THE ATTENTION OF MYSELF AND MY HUSBAND THAT CITBANK XXXX, HAS BEEN TAKING DOUBLE PAYMENTS FROM MY XXXX ACCOUNT AT MY LOCAL CREDIT UNION. IT SEEMS GOING THROUGH MY LAST YEAR OF STATEMENTS IT HAS GONE ON FOR ATLEAST SINCE XX/XX/XXXX ... 

CITI BANK DID STATE TO ME VIA RECORDING THAT THEY DID MAIL OUT DUPLICATE CARDS BACK IN XXXX AND XXXX OF SOMETIME NOT SURE OF THE YEAR SINCE WE HAVE BEEN MEMBERS SINCE XXXX. ARE CARDS HAVE BEEN PAID IN FULL AND HAVE NOT BEEN ACTIVATED OR USED SINCE XXXX, XXXX. IN XXXX. 

PLEASE LET ME KNOW HOW TO GET THE COLLECTION CALLS TO STOP AND THE FREEZE TO HOLD ON MY ACCOUNT SO THAT IT WILL STOP GOING UP. I HAVE SPOKEN TO XXXX IN FRAUD, XXXX, AND SEVEAL OTHERS AND KNOW ONE KNOWS WHATS GOING ON. 
I HAD MY IDENTITY SOLEN ... AND JUST FOUND OUT IN XXXX OF XXXX. I FILED WITH XXXX AND HAVE A FILE # AND WITH SOCIAL SEC. 

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 04/13/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: When calling XXXX to discuss the mailing they sent me, I first spoke to a rather nice gentleman. 

I informed him that what I received was just letters stating they claimed I owed them for XXXX accounts from Capital One. I had requested debt validation that met the FCRA and this did not. He told me I should have received something with Capital One letter head ; which I had n't. 

Mid call, the call went silent and I found I was transfered to someone who talked over me. I was confused as I had n't requested to speak to a manager. This man repeatedly asked me who would have opened these accounts with my information. I tried to tell him I was simply asking for validation, and I did so very politely. He continued asking me this same question and ignoring anything I said. He got louder and louder. I told him that he was being harrassive but he continued till I asked for a manager. 

The manager was n't even his direct manager and she seemed to only care about getting me to say I owe the debts rather than the behavior of her subordinate. I was the one who called in to try and get a handle on the situation. I was not dodging a debt but asking for validation. 

After the call I made a call to your hotline and am still very shaken from being yelled at. I was confused by the juggling me around from person to person without saying they were going to transfer me and then to be yelled at for a highly irrelevant thing. Regardless of how the account was opened, I was requesting validation.

Company response to consumer: Closed with explanation