milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (GA).
Issue: Unexpected or other fees

Complaint: I received a XXXX prepaid card from XXXX XXXX for overcharges on my account when I closed out the account in XXXX. The XXXX card is issued by Citibank , N.A . pursuant to a license from XXXX XXXX XXXX. The amount of the card balance was around $ XXXX {$16.00}. The card number is XXXX, security code XXXX, with an " good thru '' date of XXXX ( XXXX XXXX ). 

On attempting to use the card in XXXX XXXX and XXXX XXXX, it was rejected at purchase site ( s ). I called the toll-free number for customer service on the back of the card, XXXX. The Citibank customer service agent told me that the card had a {$0.00} balance because after 3 months the bank starts automatically deducting {$5.00} on the first of every month from the card balance for maintenance fees. Therefore, the entire balance was eliminated in maintenance fees. I explained that no where on the card did it explain this feature of the card and any card-holder would be unaware. Nice way to make generous profits for Citibank. The agent explained there was nothing that could be done except discard the card as it was no good any longer. So I lost the entire amount of the card due to Citibank not explaining to the cardholder the maintenance fee associated every month. Gift cards should not have maintenance fees or " GOOD THRU '' dates if that is the policy to erode the card balances with fees. It is really not GOOD THRU any predetermined date. 

I believe this is a very, very unethical practice and should be stopped or make Citibank pay a substantial fine for unethical behavior to consumers. It is really theft by deception!

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 08/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, 2016, I uploaded a letter of dispute to Experian via their XXXXXXXXXXXX. Once I uploaded the information, I received the immediate statement stating my upload had been received successfully. I allowed the 30 days to receive the results from Experian but had received nothing. I just pulled a copy of my credit report from Experian and contacted them to see why an investigation had n't been performed. According to Experian they did n't receive anything from me in regards to an investigation. How could this be when I still have the saved page of them confirming successful receipt of my request? I am asking that something is done about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The credit report is showing my credit card debt as being very high, I have paid most of the credit cards off now over a month ago. I need my credit score to be shown accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Payday loan) with National Principal Group, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Today I was threatened with arrest and family members harassed on a debt discharged in a bankruptcy over 10 years ago. Highly illegal. 

XXXX NP Group violates the following : a ) Harassment ( XXXX ) : A debt collector may not harass or abuse any person to collect a debt, including : ( v ) repeatedly or continuously telephoning someone ; XXXX XXXX Collection Bureau , XXXX XXXX XXXX. XXXX [ DCND XXXX ] ( collector 's immediately recalling debtor after the debtor hung up constituted harassment ) ; CALLS FROM DIFFERENT NUMBERS REPEATEDLY.. CALLS FROM BLOCKED NUMBERS. 

b ) False or misleading representations ( XXXX ) : A debt collector may not make any false or deceptive representations, including any representations : ( iv ) that nonpayment may result in arrest or seizure of any property, unless such action is lawful and the collector intends to do the same ; ( v ) threatening to take any actions that can not legally be taken ; In re XXXX, XXXX BR XXXX [ Bkrptcy. XXXX XXXX XXXX ] ( threatening to take imminent action, where no one in the creditor 's legal department was admitted to practice in the debtor 's jurisdiction was a violation of the act ) ; ( vii ) informing the debtor that he committed a crime in order to disgrace him ; ( viii ) communicating false credit information, including the omission of any dispute by the debtor ; ( x ) using deceptive means to obtain information about the debtor ; ( xi ) failing to disclose to the debtor that the collector is attempting to collect a debt and that any information obtained may be used for such purpose ( except such statement need not be made in formal court pleadings ) ; ( xiii ) stating that documents are legal process which are not ; XXXX, XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] ( officer of collection agency engaged in unauthorized practice of law in Arizona, when she signed an application for a writ of garnishment ) ; ( xv ) stating that documents are not legal process which are, or implying that no action is required relating to such legal process ; or c ) Unfair practices ( XXXX ) : A debt collector may not use unfair or unconscionable practices to collect a debt, including : File complaint against them here : XXXX Here 's the managing member of the group XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, NEW YORK, XXXX National Principal Group LLC Current Entity Name : NATIONAL PRINCIPAL GROUP LLC DOS ID # : XXXX Initial DOS Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC LIMITED LIABILITY COMPANY Current Entity Status : ACTIVE Selected Entity Address Information DOS Process ( Address to which DOS will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, NEW YORK, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax , XXXX and XXXX has been dragging their legs on correcting my credit report stemming from an identity theft that was a comitted against me back in 2008 resultng in a state tax lien which the State of Louisiana has no record of in their records and have repeatedly asked the credit reporting agencies to remove to no avail. I am at a lost to why this matter has not been resolved for all of these years when even the state of Louisiana has stated and requested that this information be removed has they have no record of a tax lien be placed against me, I dont know what else to do about these credit reporting agencies who remain to cause me great hardships with dealing with this matter and i am at my wits end. Why must i continue to be victimized by these XXXX giant companies who have allowed not only id theft to be commited but also have not removed numerous inquiries from years and have put alerts on my credit file as well preventing me from even remotely from attaining any kind of credit on my own. They seem to ignore any attempts for correcting this matter, Ther are XXXX other creditors as well who have sent them request as well to remove items from my report ( XXXX XXXX XXXX account number ending in XXXX, tel # XXXX ) ( XXXX by way of XXXX a collection agency account number # XXXX tel # XXXX ) XXXX, Equifax , and XXXX should remove these items immediatley or be held accountable, this has been going on since 2008 and remove all of those inquiries and alerts and allow me to finally have credit of my own like every other American trying to live the american dream.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Listing account as open, charged off by original debtor Washington Mutual, last, last payment XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, XXXX XXXX has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: XXXX   XXXX  offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither  XXXX   XXXX  nor the  3  credit bureaus (  XXXX ,  XXXX , and Experian  )  will honor removing the inquiries even though I was solicited by   XXXX   XXXX  . The  FACTS stat es inquiries can only be pulled under certain conditions and " firm '' offers are  one  of those conditions. Here is a reference to the code under ( c ) (  1  ) ( B ) ( I )  : 15 U.S. Code 1681b -  Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agenc y may  furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) (  3  ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ;  ( ii  ) the consumer reporting agency has complied with subsection ( e ) ;  ( iii ) th ere is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and  ( iv )  the consumer report does not contain a date of birth that shows that the consumer has not attained the age of  XXXX , or, if the date of birth on the consumer report shows that the consumer has not attained the age of  XXXX , such consumer consents to the consumer reporting agency to such furnishing.

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 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a chapter XXXX dismissed bankruptcy and a state of Maryland tax lien with transunion. The investigation came back as verified. I received a letter from the both courts explaining that they DO NOT report to credit bureaus and therefore must be deleted.

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 01-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Alpha Recovery Corp (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Alpha Recovery Group regarding a debt from XXXX XXXX XXXX with a description of debt being XXXX. I wrote a letter requesting a copy of the accountholders agreement to verify the debt which I would have signed back to Alpha Recovery Group within the 30 days.40 days come and went and I never received a response. At this point I figured they could not supply the required documentation and left it alone. As of XXXX XXXX 2016, XXXX XXXX XXXX has now requested a summons from the court in order to solicit a judgment against me for this unverified debt for which the agency they hired failed to answer the requested letter I sent. According to research this tactic is how they get judgments against consumers which can negatively affect there financials.

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 01-03-2017 about Credit card () with Alliance Data Card Services (MO).
Issue: Closing/Cancelling account

Complaint: Comenity Capital Bank approved me online for a XXXX visa account. I was sent cards and activated them. I went to use the card not even a week later and was declined at the merchant. I called customer service who advised me that my account had been closed and I would get a notice in the mail explaining why. I have never experienced the revocation of an approval before ... especially after i was just approved. I contacted the Consumer Relations department who informed me of the same and that the bank could close my card at any time. They indicated recent inquiries ( I am working on rebuilding my credit ) as the reason why and that my account was too high of a risk and no further consideration would be made. I expressed concern with the fact that the application should have never been apparoved if that was the case. Now i would have not only an inquiry on my credit, but a short opened account that was then closed by the grantor. I can reasonably explain my situation and have had accounts in good standing with the creditor in the past. My card should be reopened as it was originally approved or all indication of an account removed from my credit report. This " delayed '' risk assessment is a very poor customer experience and the impact to my credit is unacceptable. I would like to continue my relationship with the bank and intend to honor our agreement if they will honor theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed XXXX XXXX XXXX XXXX XXXX accounts back in XXXX 2015 and those accounts were removed from my Experian credit XXXX 2015. As of today they are appearing on my report after a long investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Private student loan debt) with Pathfinder Credit Services (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX I checked my credit report to find Pathfinder credit services had a collections against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. On XXXX XXXX I requested verification of the debt and account but the business failed to provide any proof. On XXXX XXXX Pathfinder credit services did however report new activity with the account to the aforementioned credit reporting agencies. Considering this business does not have a contract with me for any goods or services nor provided adequate proof, I am not obligated to pay for the alleged debt. Furthermore, I have found that Pathfinder credit services is not authorized to collect in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit card () with U.S. BANCORP (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX XXXX, someone managed to break into my credit card account and steal reward points from it. No alert was generated at point redemption and I only accidentally found that out. I tried to contact US Bank officials persuading them to built a fraud protection into points redemption procedure, but despite my 5 calls and promises that someone from the management return my call, it never happened. Card was replaced and points credited back. I also found out that my points were transferred to another US Bank credit account and no fraudulent charges were applied to the card that clearly indicated that the thief 's target was only the reward points and he acted based on internal information available to US Bank employees only. On XXXX XXXX XXXX I found that my card was compromised again and another XXXX XXXX reward points were stolen from my bank. When I called them, it turned out that US Bank was well aware of the breach but they did n't even try to call me and alert me on fraudulent activities in my account, let alone the fact that point redemption did n't generate any alerts, either, despite the fact that 6 months ago it became clear that they must improve their system and add such alert.. They said that it was someone who generated fake ID and logged into my account. They refused to accept the blame saying that that someone was in possession of all my data, like ss number, dob, etc and they could n't do anything. I pulled all credit reports for me and my wife and found that our credit status has never been compromised. Also, nobody broke into our XXXX other reward credit cards. Like in the first case, no fraudulent charges were found on the account, so target of criminal activities was again just my reward points. This makes me think that the crime was committed based on internal knowledge of someone inside US Bank, just like in the first case. Else, how can we explain their in depth knowledge of US Bank reward system and the fact that fraud was limited to only US Bank credit card and no other cards I have, and my identity was n't compromised based on credit reports? They promised to return my points in 6 weeks ; this is totally unacceptable and it ruins my vacation plans as I tried to redeem points for airline tickets on the day I discovered points theft. However, US Bank apparently tries to convince me that this is my problem. All in all, US Bank does exceptionally poor job protecting customers from fraud, their alert system is outdated, they refuse to communicate with customers and accept responsibility and conduct proper investigation. Essentially, the shift the blame to someone else leaving the customer unprotected. The manner in which they conduct the business is totally unacceptable.

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 09/27/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo opened an on-line " platinum card '' without my knowledge and without my authorization, consent or signature. I never received this card, and there is a {$5000.00} line of credit associated with the account. I can see it in my on-line account. This was done around the time that my home mortgage was being processed which is also owned by Wells Fargo. Looking back, it appears Wells Fargo issued me an unauthorized line of credit, adjusting my debt to credit ratio. This affected my credit score, which affects the APR I pay to the Wells Fargo mortgage. As a result I am now paying additional interest to Wells Fargo, through my mortgage at a cost of thousands of dollars over my 30 year mortgage. Also, this affects any other loan amounts I finance because of the unauthorized adjustment they made to my credit score, such as vehicles, appliances and home improvements. I have worked very hard to manage my credit score, and that they fraudulently adjusted it is very very frustrating. 
Additionally, around this same time, they cancelled a savings account I had with them since 1992 which was in excess of several XXXX dollars. Again, they adjusted my credit history, by cancelling an account that had a clean history in excess of 20 years. I went into their office to complain, and they offered to open a new account, but the history would be lost. They stated that " they have lawyers, and that they will win and I would lose if I try to resist what was happening ''. XXXX things that have never happened before, both happened as I was attempting to purchase a home. Beyond incompetence, this appears to be malicious fraud. I would appreciate assistance, as I am a hard working individual, and they are a large entity willing to use their " lawyers to beat me '' if I resist their tactics.

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 03/20/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is an absolute nightmare to deal with. I had a student loan from XXXX, and it was reported as paid with {$0.00} balance : never late. This was more than twenty-two years ago. Although the root cause of my problem is XXXX, who seems to have stolen my information and is listing loans that I never took out, while also claiming that my XXXX loans from twenty-two plus years ago are still not paid, if the credit reporting agencies would n't allow this, there would n't be a problem. I have tried to get a Security Freeze, and I have had to call more than seven times wasting over five hours to only be transferred and transferred. I have uploaded the proof of information, mailed the information, and still, they will not remove the information or place a security freeze. I am in the state of California where my rights are very clear on this matter, but I can not get Experian to comply. The name for me on my credit report is wrong. I have sent information showing what my true, legal name is, and this, too, I can not get fixed. I do not have any credit, refuse to have credit in this horrible country that does nothing to actually protect the consumer, and I have a right to have my credit report completely blank instead of filled with fraudulent, blatant lies.

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