milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, XXXX, Citibank, N.A., engaged in unfair and deceptive acts in administering and closing a credit card account that I had used responsibly for over 25 years ( since XXXX XXXX, and which Citibank, N.A., had previously indicated in writing would be open without an annual fee for life, my life or Citibank 's. That representation turned out to be false. 

Moreover, only four months earlier, Citibank, N.A., issued me a new Visa platinum card purportedly the period of XXXX XXXX through XXXX XXXX. That representation turned out to be false. 

The " notice of account closure '' dated XXXX XXXX, XXXX, indicated in bold letters " We 're sorry we were n't the right fit ''. 
This followed other written representations from Citibank, N.A., regarding my account : " Thank you for being a loyal card member since XXXX! We appreciate your business and are continually looking for ways to make your relationship with us as rewarding as possible. '' and " Thank you for being a valuable AT & T Universal platinum Card member. '' and " No annual fee for life. '' I filed a written complaint with Citibank, N.A., CEO XXXX XXXX on XXXX XXXX, XXXX, including essentially what is in this complaint to CFPB. I received no written reply from any Citibank entity, and only a telephone call from someone who told me that my letter to XXXX XXXX was forwarded to him, and I could apply for a new account. It is unprofessional and inappropriate for Citibank, N.A., not to have responded in writing, and not in any way to have addressed my claim of unfair and deceptive acts in administering and closing my account. 

The purported reason for closing the account was inactivity. However, I pointed out to XXXX XXXX something that should be abundantly clear to a card executive : that the nature of revolving credit involves periods of inactivity and zero balance. Citibank , N.A . 's written communications with me have been dishonest, and Citibank, N.A., has been dishonest and unfair in closing my account of 25 years, a period of time during which I rejected many other card companies ' offers of credit because I had this particular Citibank, N.A., account. 

Whereas Citibank, N.A., stated that I was a valued customer for life, it turns out that I was really unwanted, expendable, and not even worth a written response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Credit card) with Shermeta Law Group, PLLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I get close to paying debt off they take it to court tack on another 2000 in fees I will never get this paid off at this rate

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: My information was leaked by XXXX. Experian and XXXX ( I 've contacted both for several hours each ) are refusing to give a security freeze without " protection '' money. They maintain that I have to have wait for someone to commit fraud with the XXXX breach, bring the fraud case to the local PD, and then mail them the police report to get a free security freeze. Essentially, after my credit is destroyed, they 'll give me the freeze ... We all know that it will happen, it is n't an if, but a when, and yet they refuse.

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 10-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The debt was challenged through XXXX and the 1 month investigation revealed I did not owe it was taken off my credit report and 1 month later S.R.I. is back on my credit report and now is leaving bad info as an inquiry thus hurting my credit further as retaliatory effort for challenging the report. I should not have to deal with them once they were removed its unfair thay can come back on to the credit report. The dispute they all edge is 6 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection acount is showing up under ERC. supposing for an acvount with XXXX. I called dish they do not have any acvount for me with them. They never have. I call ERC and they say call XXXX. It is very hard to get through to ERC and they want me to provide an act number which o do n't have cause I do n't owe XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO XXXX XXXX. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID 30-59 DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, XXXX XXXX LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. XXXX XXXX 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND XXXX XXXX IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH XXXX XXXX TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, XXXX XXXX WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. XXXX XXXX WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE USPS, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE XXXX XXXX HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT XXXX XXXX RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a credit account with XXXX. I have paid the bill on time with just {$95.00} remaining on a {$1900.00} credit line account. XXXX has reported my account AS CLOSED, DELINQUENT 120 DAYS with {$8.00} per month being paid monthly. This appears as an ADVERSE ACCOUNT on my credit report. I have never made an {$8.00} payment as stated in the report. In fact, some of the payments were made in the amounts of {$800.00} and {$530.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (TX).
Issue: Problems when you are unable to pay

Complaint: In XXXX 2012 I had a vehicle repossessed, which I had a loan for through PNC Bank. I received no notifications after the vehicle was repossessed as to when the vehicle was resold and the amount it was resold for. This is information as the debtor that I am due to receive according to Ohio law from the creditor. I contacted PNC Bank directly after attempting through my credit reporting agencies to have PNC Bank correct and update the information on my credit report. They have not updated the information correctly on my credit report nor have they sent me the information I requested for a copy of the resale date and amount of resale on this vehicle. I have attempted to work with PNC Bank in correcting this matter, however, they have failed to reply to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Account Resolution Service  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX  Amount  XXXX  was paid to   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Date open  XXXX / XXXX /   2012  Talked to  XXXX  and I was told that I do not owe any payments to them, called ARS and told them so they can remove from my credit report, as of today they still have this on my credit report wanting me to pay them. Also   XXXX   XXXX   XXXX   XXXX   do not use collections agencys

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 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a credit card when I was XXXX and was not smart with it and ended up oweing XXXX XXXX around {$28000.00}. Went to court for it about 9 years ago and made payment arrangements. For 9 years I paid them and got the bill down to about {$20000.00}. One day my balance was all the way down to about {$9000.00}. At this point I was glad to be able to pay it off so I settled with the for {$7200.00}. I was never given a reason for my bill dropping {$11000.00} over night. I feel that I might have been taken advantage of at one point. I would like to know if anything Illegal was done. I feel I might have been taken advantage of. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I bought a car from XXXX XXXX XXXX in XXXX IL. I told them up front what I could afford XXXX a month of course they are car dealers it was XXXX a month when I left with gm financial. Of course I got behind but I set up 2 payments a month to catch up. But they did n't take the money. Once on one of my payments I put a stop pay because the money would not not be in the bank. I did call them gm financial and told them and reset up the 2 payments for the month. But then I got a call about not getting payments. I told them I have been sending 2 payments a month. Then she says oh it looks like we are flagging your a count because of a no pay. I told her yes but that I had already discussed that and it was to be ok. And I set up my payments again. So she says well you should do a volunteer buyback. Saying to me that it is not a repo. So I did everything I was to do but they did opposite of what they should of done. And they are still sending me a bill. When it was their fault. I want to sue them

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loan payments as co-signer to Navient are not being posted timely resulting in erroneous late fees being charged. 

The stated due dates for payments are AFTER the next statement date so the statements never show my last payment but instead charge late fees because Navient didn't receive the payment that wasn't due yet by the statement date. THIS IS CLEAR FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiries on my Trans Union credit report. 
WWW.XXXX.comI have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several dozen inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Transunion. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately. XXXX Total.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On my equifax credit report, there 's an account that was removed a while back and now it 's been added back. The account is  XXXX   years old.  But there was no notifications sent to me about this and with it being added back to my report it dropped my score dramatically!! I 'm pursuing a job currently so this has the possibility of affecting my chances of employment. The account is   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Closing/Cancelling account

Complaint: My issue is that I continue to get billed for interest charges on an account that has been closed since XXXX 2016. This account was opened for an order that was cancelled. Upon cancelling the order, I 'm not sure why the charge for the XXXX membership remained but once I became aware of it, I paid it including the late fee it assessed for a total of {$21.00}. 

I spoke with your customer service team in XXXX and was told that upon paying the {$21.00}, my bill would be settled but it 's not as the interest charges continue to accrue. When I call XXXX, they tell me I need to deal with Comenity Bank and when I 've called your customer service, they can not understand why the charges have accrued and tell me to call XXXX. 
I 've sent certified letters to Comenity and also contacted XXXX via email but have not received a response and the interest keeps accruing on my account without being able to speak with someone that can resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: On around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MS).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I applied for a Walmart 's credit card, on XX/XX/XXXX, according to the details in my credit report, and, yes I was approved but I never had received the credit card and the credit limit on the credit card was in the amount of {$600.00}. I had then contacted Walmart 's credit department at their corporate office in Texas when I was told by a representative that the card was sent out, I then told the rep. that I had never received the credit card, the rep. apologized and asked me if I would like them to resend the credit card and I replied, " yes '', but once again I never received credit card again. I contacted Walmart again and requested that the card be cancelled. The card was cancelled on XX/XX/XXXX, according to my recent credit report, but that doesn't seem accurate because in approximately 3 or 4 years ago, there was debit charge amount of {$400.00} affecting my credit score by Walmart because someone had or was using my Walmart credit card illegally and I'm sure that Walmart was in accessary to it, which is why I'm making this complaint against Walmart, regarding their fraudulent involvement in this matter. I had to make complaints against Walmart 's bad behaviour before in the past, so I know how disruptive they can be. Also, in my credit report regarding this Walmart credit card, it states that the credit card was paid out and then closed, but how could that be when I never used or received a Walmarts credit card, ever! It also states in my credit report that a Walmart charge account was opened and then closed in XX/XX/XXXX, and I don't know anything about that neither. Also, I recently contacted Walmart to try to get some important info regarding this mysterious, fraudulent item on my credit report, like the account number, but Walmart wouldn't cooperate like they should have, on XX/XX/XXXX. They also had tried to lie to me by telling me that there was only one account after they had already told me that there was 2. I know that Walmart knew that the credit card would be intercepted after they had sent that card out to me, they are involved in this 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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
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: I reached out to Capital One in order to request a good will deletion on 2 separate accounts that I have paid off after Charge off. After being Denied I pulled my credit report to do some investigating. I noticed that while one account was listed as Current on my XXXX report It was reporting as a charge off to XXXX. The Time frame for this was XXXX XXXX XXXX. After writing in about the incorrect reporting Capital One claimed they were reporting correctly but that they could not provide me with actual documentation from the Bureaus stating that the accounts were reporting correctly. I had to call in multiple times trying to receive a resolution to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Capitol One for {$5100.00} opened XXXX/2015. Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from XXXX whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with XXXX as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.

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