milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Advertising and marketing

Complaint: On XXXX XXXX I requested that Citibank stop mailing me convenience checks on all my accounts out of concern these could easily be stolen and used for fraud. I understand that some time is required to process this request but on XXXX XXXX I received my 3rd promotional mailing from Citibank that contained convenience checks. This is XXXX days after my original request that these items be no longer mailed. Since when I called CitiBank the associated could n't provide me with the policy information around the timing for these promotional mailings to stop I am filing this complaint to first make sure Citibank will no longer mail out convenience checks to me, but also to understand how long Banks have to comply with the consumers demands around unsolicited marketing as that is how I view these convenience checks.

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 10/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (KY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I filed a XXXX XXXX XXXX in XXXX of XXXX And both navient accounts were supposed to be XXXX however it never did and sent both accounts to collections I tried talking to navient but they were only interested charging me full price which far exceeds original loan amounts Also the loans were originally under XXXX XXXX before becoming navient the account originally went negative in XXXX when I went to XXXX XXXX service As being over 7 years of initial negativity Both accounts should be removed from my 3 credit reports they also filed a lot of misinformation in my file

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Payday loan () with Cottonwood Financial Ltd. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Cash store calling 6 times a day on top of that cotton wood financial I guess is an affiliation calling my friends cell. Advised im a non profit payment plan. They did n't care was asked for me to have them send a letter. Family credit faxed them a letter still getting harassing calls they do n't want to release the loan to collections so they can still charge me outrageous interest rates.

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 05/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX incorrectly charged me on an old, probably inactive account and incorrectly billed me at a wrong address, per their own representative ( XXXX XXXX on XX/XX/XXXX per fax from him ). XXXX said the bills were returned to XXXX by the USPS as not received. 

I never received these bills. Unknown to me, my account went delinquent, and was charged off as unpaid XX/XX/XXXX and XXXX XXXX sold it to a credit collector. Upon notice from credit collector, I called XXXX XXXX, and spoke to XXXX XXXX, their XXXX, XX/XX/XXXX, who said he would pull my account back from credit collector and resolve it with me in house with documentation of a {$140.00} charge balance on # XXXX account. This never happened. 

This has adversely affected my credit and caused me to not be able to get a competitive rate to refinance our home loan under both my name and my husbands. Because of this negative effect on my credit due to this, to get a competitive rate, we had to leave my name off the mortgage loan. This puts me at a disadvantage for current and future credit needs in my own name. I have worked part time, while raising our children, relying on my husbands income. I have been diligent in keeping both our credit standings at excellent. It makes me angry that XXXX for XXXX XXXX has been unwilling to correct their errors, negative result on my credit bureaus, collection and return me to my previous excellent credit. Can you help me? 

I attach the fax from XXXX representative verifying this, along with documentation and communication, over the last 3 years, with XXXX XXXX, credit bureaus and collection agency to no avail so far in correcting XXXX XXXX 's original errors in billing. Please let me know how to proceed and if I can provide you with any other info. Thank you for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Representative attorney for Portfolio Recovery Associates LLC in Arkansas revived a seven-year-old default judgement I was not originally aware of ( in XXXX ), by pushing through a quick garnishment ( in XXXX ) without doing the due diligence to contact me, confirm an accounting of the debt, or check whether it was time-barred or even an accurate debt. Apparently they garnished {$500.00} from an employer after I was terminated in XXXX, so I was unaware of this garnishment from my final pay. My credit report is clean going back 12 years, so I see no proof of this debt. I immediately requested information connecting me to the debt, but received no account information from PRA. According to CFPB Consent Order # XXXX, Portfolio Recovery Associates LLC and all attorneys associated with them were charged in XXXX XXXX with the burden of proof to review these old default judgements and move to vacate any that could not be proven when challenged by the consumer. It 's {$2700.00} and there is not XXXX shred of evidence in the court file to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service ((CD) Certificate of deposit) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: I put {$7000.00} in an IRA CD at .5 % for 19 months. I never was told of any maintenance fee when iniating the CD. 9 months later ( XX/XX/XXXX ) I was sent a letter from US Bank wanting a yearly fee of {$30.00}. At most I will actually have the meager {$35.00} go for fee and federal taxes this year, and as I complete the remaining 7 months of the CD, wo n't make enough to pay fees and taxes. In addition, the letter said that if I do not mail in the yearly fee, US Bank will take it out of the CD. If I had been given this information on the cd document of the fee, there would have been no transaction. No other bank that has my IRS impose such a fee, especially in this concealed manner. I would be financially ahead by putting my {$7000.00} under my mattress! I complained to US Bank. They say that they will waive fee. I wait to see. However, how many retirees suffering from low interest rates are actually only paying back banks with maintenance fees that should have been meager interest in the retirees income? State the amount invested, percent interest, term, and disclose any maintenance fees on front of cd at minimum. This the first bank to do this in all my years of participating. 
been given information on the cd document of this fee, there would have been transaction.

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 09-08-2017 about Debt collection (Mortgage debt) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Applied for Home Equity Line of Credit XX/XX/XXXX at Santander Bank. I wanted to consolidate credit cards to pay off at lower rate and have a better credit rating to cosign my daughter 's college loans. SHe is a XXXX so I have more loans to go. I am XXXX XXXX, had XXXX XXXX 2 yrs ago. Was told 6wks. It took until X/XX/17 to close. XXXX XXXX was the executive at XXXX XXXX I spoke with. He pushed me off to assistant XXXX XXXX who repeatedly had me fax papers saying they never got them. Dates passed by as I kept asking what was going on. Very poor understanding of their product by the employees. Closing was held at a XXXX by XXXX XXXX, noist, papers fying, on stools. It was there I was 1st told I had to open a checking account to pay my interest and principal payments into in order for HELOC to be taken out. This was a surprise and questioned why I would n't just pay directly. I have a XXXX  cchecking acct. I do n't need this one. She said it was how they did it. I was told ther would be an overdraft fee. But, since I never planned to take any $ out ever agin, but only pay off, I did n't think I would need it. As in my XXXX acct overdraft charges are only made if you overdraft. I found out 2 wks ago this is a monthly regular charge. News to me as was the invoice showing $ XXXX/monthly statement. There are surprise fees evry single month. I am being nickle and dimed. It was bait and swith just to open a cking acct to get those fees. My wallet was stolen XX/XX/XXXX and Santander allowed the thieves to get {$50000.00} from an dummy checking acct and allowed them to take from my HELOC!! I have reported the fraud XX/XX/XXXX,XX/XX/XXXX and every day until today when I was called to the branch to file a claim. XXXX handled it by XX/XX/XXXX, all funds returned to my accts. I filed a police report. they said they never heard of a bank not replacing funds asap! I am very stressed and feel abused and pushed to my limits until I am crying and screaming, swearing at them to remove those hidden fees and refund those funds after 6 whole days.
During last 5 months many errors, tellers not knowing how to process my payment tho I followed directions to the " T '' and many, many calls from them again and again. It is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: I am in a variable loan that was Wa Mu, now is Chase, and is not XXXX XXXX or XXXX XXXX. I have tried to re fi with Chase 3 times. I also complained and they told you they had not received an application. No true. Each time they say they will get back to me but do not. I am a XXXX Vet and this is not fair. They make more money by not re financing me so they just play dumb and lie to you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was at the casino. I left my purse on the table and turned around and when I returned, my card was gone. I believe someone is pretending to be me and I am a victim of Identity Theft. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I 've tried to resolve a credit issue with Lexus Financial over the phone and I 've had no luck. I finished a lease with Lexus Financial Services and asked them to show the credit transaction as satisfied and paid off with a zero ( {$0.00} ) balance. I have always paid this account on time and the history of it account should reflect that on my credit report. I 've tried to contact multiple departments as well as trying to reach their corporate offices with no luck. I normally would'nt file a complaint, however, their responses of " their is nothing we can do '' seems very scripted and does not sit well with me. I 've never had a problem with LFS accept for this. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with FMS Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company calls XXXX times a day using a robodial that prompts me to press XXXX to talk to them or XXXX to end this call. Regardless of pressing XXXX or XXXX, the call always ends. Not to mention, I do not have any outstanding debt to be collected. This harassment has been going on for over 8 weeks!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: multiple accounts opened in my name, have never lived at any of the addresses associated with the accounts. Have tried to dispute on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my XXXX XXXX negatively.

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 09/24/2016 about Debt collection (Auto) with Security Credit Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I noticed on my credit report yesterday that there is an outstanding balance from a student loan from XXXX XXXX # XXXX that was opened XXXX, last active XXXX, reported XXXX, with a payment of {$40.00} and past due {$1300.00}. XXXX said this is a failure of TransUnion to not remove this old style of loan reporting and XXXX has this loan noted as paid in full.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from 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 09/28/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I sent request for information, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/16. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMEDIATLY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Other debt) with EQUIFAX, INC. (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Debt collection (Medical) with I.C. System, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a dept in full and was told that I would receive a written confirmation that the payment was made. After not receiving the confirmation, I have contacted the collection agency numerous times ; they promise to send the confirmation but never do so. Without it, I am fearful that this debt may remain on my credit report. I am also waiting for a loan to be approved from a XXXX XXXX and they will not process the loan until they receive a copy of the written confirmation. I have no confidence that the collection agency will provide me with this document unless they are compelled to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with JPMORGAN CHASE & CO. (NM).
Issue: Transaction issue

Complaint: I am contacting your agency in hopes you can help me with some charges on my Chase Mastercard. I would like to dispute all charges made by XXXX. I was contacted by an individual who said that he found out that I had purchased an XXXX Affiliate membership and that unless I had an unique Web Site and a way to bring me a lot of traffic ( visits ) to it, that I would never make any money. He said that he could do all of that for a fee. We discussed several options and decided that his {$12000.00} package would work best for me. So I used credit cards to pay his company that much. All the financial transactions were done by his assistant. A few days later another individual called and said that unless I had a back office and a lot of training that I would n't make any money. We discussed several options and decided that the {$7000.00} package would do the job. The same " assistant '' called and helped me charge that amount on my credit cards. She gave me directions on how to access the training modulas, my back office and helped me create and post some blogs. These things were supposed to teach me how to keep traffic increasing and keep it coming to my site. I worked pretty steady for a couple of months. Then both my wife and I had some health problems and I was n't able to spend much time on it. It was supposed to keep running without much attention, but I never saw any sales and the traffic did n't even increase. Then my wife was hospitalized four times and was sent to several specialists and went through a lot of tests. She still has XXXX more XXXX test to see if she is strong enough to undergo XXXX. Regardless when they sold me they said they would do the work and in result I would start making sales. I did not make any money. I was left with a non functional business and a large debt since I paid to this company a total of {$19000.00} and they never showed any results of the work they have done. I tried to resolve directly with them and get my refund but they ignored my requests. They did not provide the services as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NH).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Care Credit/Synchrony Bank notified me that a promotional expiration date was expiring but did not notify me that I needed to 1. Make a payment to pay off the promotional balance of {$920.00} separate from the monthly payment of a total balance of {$2600.00} all of which was accrued for dental related services.
2. The interest charge was retroactive and totaled {$460.00} on a principal of {$920.00}. If Synchrony Bank had made it clear to me that I needed to make a separate payment to pay off the balance so as to avoid these high interest charges, I would have made the payment. The notification was cryptic and confusing and I believe reflects a deceptive practice on the part of Synchrony Bank.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a letter from   XXXX   XXXX   around the end of     XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.  <P/> Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX   today and they told me to file a complaint with the FTC.

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 06-02-2017 about Debt collection (Other debt) with I.C. System, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have reached out to this company IC systems @  XXXX  and verified with a person and manger  XXXX   XXXX  that the information that was on this account was not mine and agent advised me they are aware but I still have to pay. How am I responsible for something that is not mine that does n't have my information on it but is on my credit report. I have sent police report to show that i was truly a victim but they refused to assist. This is a debt  XXXX  that they are telling me im responsible due to the information being similar thats not legal

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