milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Customer service / Customer relations

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XX/XX/XXXX Office of Privacy and Civil Liberties XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Citibank Customer Service XXXX XXXX XXXX XXXX, SD XXXX To Sir or Madam I am writing to bring to your attention a serious issue I had with the Citibank. 
On XX/XX/XXXX a representative from Citibank Collection Department called my home. The caller spoke to my spouse and went into details about my credit card bills. My spouse is not my co-signer on my applications. 
I want to report this matter because I feel that Citibank 's representative broke the Privacy Act XXXX LAW. 
I hope to hear back from you about this incident. I can be reached by phone at XXXX at any time or by email at XXXXXXXXXXXX. 
Sincerely, XXXX XXXX XXXX PS The orginal was sent to the above address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The AAA Company (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Hi I am a XXXX XXXX person I get a check of XXXX a month I am fully aware I got a personal loan out for medication and I am having trouble paying it back on XXXX/XXXX/2016 I got a letter stating " '' LEGAL ACTION NOTICE '' YOUR ACCOUNT HAS STILL BEEN UNPAID! 
you signed a legal binding contract on a loan that you made with AAA LOANS AND TAX SERVICE. you have received the money and to this date, you have failed to pay. You are past due XXXX. 
IT IS OUR RIGHT TO FILE A LEGAL LAWSUIT AGAINST YOU. YOU WILL BE SUMMONED TO APPEAR IN COURT AND WILL BE ACCESSED ADDITIONAL COURT AND FILLING FEES. you must make a payment or call the office with en 5 days of receiving the letter to avoid legal action.. call our office to work together on bringing it up to date or LEGAL ACTION WILL BE THE NEXT STEP.

Company response to consumer: Untimely response
Consumer complaint received 09-03-2015 about Debt collection (Credit card) with STONELEIGH RECOVERY ASSOCIATES, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have moved to another country in 2009, and confirmed XXXX 2009 is the last time I used the credit card, which is free of annual fee. I have confirmation that I settled the payment and I have not received any new statement/balance throughout the years. My old landlord has informed me that a debt collection company has mailed me with a debt of {$610.00} which I am certain is not mine. I do n't know if it was identity theft or not, I tried to contact them but could n't. they do n't have any of my numbers as I cancelled all my old phones already.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute an inquire fraudulently pulled in my name. I am a victim of identity theft and did not authorize this inquire .I am not responsible for any charges made to this account if any if open. 
Please delete this inquire immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent request that provide proof I applied for this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The company has reported that I have a collection account with them that was opened XXXX XXXX, 2013 ; however, at that time I did not live at a residence that had power in my name. I have repeatedly asked for verification of this debt, but none has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (I do not know) with The Phoenix Recovery Group (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received a notice of a debt collection from Phoenix Recovery Group. The notice doesn't have my correct name, but a name very close to mine. So I thought it may be a mistaken identity or a identity theft. therefore, I have filled an identity theft through the FTC website and send them a formal letter informing them of their obligation to send me all the necessary documents related to this case. Since I haven't received a reply to my letter, I tried to contact the collector by phone to get the paper work related to the case so I can understand the charges or the services that reflect the debt. 
Every time I try to contact the debt collector, they transfer my call to an answering machine and no one calls me back. It is frustrating and time consuming. 
Also, every time I talk to the receptionist, she takes my social security and date of birth then a recording tells me that this information can be used in the case against me. 
The debt collector has contacted the credit bureau of XXXX XXXX and XXXX even with my repeated requests that they should not do that while I am disputing this information. SO I had to lunch a dispute with all credit Bureaus. 
The notice of Debt contains the original creditors ( XXXX XXXX XXXX ). I tried to contact them but they were unresponsive and the management has never contacted me back. I may have left at least 5 messages. Again, I have told the receptionist of the management obligation to contact me and provide me with information on what the charges is about. All I got is that this charge reflect time spend on their apartment complex at XXXX NC. I am a resident of Virginia and I have never lived on those apartments nor I had any dealings with XXXX XXXX XXXX company. I have filed a police report with XXXX XXXX and I am waiting for their response. Last time I talked to XXXX police, they told me that this may take some time since they have a backlog due to the recent data breaches from XXXX   and others. 
I strongly think that both companies ( Phoenix Recovery Group ) and ( XXXX XXXX XXXX ) have mishandled my information and exchanged my Personal Identification Information improperly. They did not do their due diligence of allocating the correct person responsible for this charge and they have used improper tactics of sending this collection to the credit bureau to pressure me to accept the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Mortgage (VA mortgage) with Village Capital & Investment LLC (SC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/2018 My VA guaranteed loan with a monthly payment of {$1600.00} was refinanced to {$1400.00} supposedly by interest rate reduction The field on the XXXX XXXX  application that is listed in the Lender case number box with ( XXXX XXXX XXXX ) VA XXXX XXXX XXXX Loan number XXXX listed XXXX as the refinance amount in the " Amount of existing liens box '' thus lowering payments by applying a lower interest rate from 4.375 to 3.2. I  did not realize it would cost me {$10000.00} more undefined dollars when ( XXXX XXXX  loan number XXXX listed by LIC #  XXXX, NMLS # XXXX ORIGINATOR XXXX XXXX XXXX, NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Tel. XXXX FAX XXXX ) assumed the loan and issued undefined charges and then handed off to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX acct number XXXX When I asked, I was told nothing. The amount added to my balance when all was said and done within a practice called " CHURNING ''. I had a loan of {$280000.00} dollars and after it was refinanced it turned into {$290000.00} This loan was churned with intent to take advantage of a XXXX Veterans status with a defunct VA mortgage department that did not do its job when approving this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: My Bank of America UTMA account for my son was opened years ago. BOA insisted on a joint checking and savings account, though I needed only a savings account. The last two months, without warning, BOA has been charging me a $ XXXX monthly maintenance fee for the checking account, which has no deposits, and claims that I owe them {$32.00}. I am trying to close the account. BOA refuses to accept consumer emails unless it is a request for a copy of a check or statement ; refuses to provide a mailing address for consumer complaints ; and insists on limiting consumers to only phone call contact ( resulting in no documented record of what happened ) or instant messaging, but the BOA live chat system is perpetually busy. I am now on perpetual hold to BOA. This is unacceptable and deceptive. It would not be surprising if BOA is trying to gouge many others with this practice of assessing unannounced fees on checking accounts on unsuspecting consumers, and then refusing or obstructing the ability of consumers to request that the account be closed.

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 07/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I submitted a dispute to Enhanced Recovery for a XXXX XXXX account. ERC responded to my CFPB complaint and stated they verified the account and mailed supporting documentation to me on XXXX/XXXX/15. I have yet receive such documentation. Without proper validation of this debt, this TL needs to be removed from all XXXX of my reports immediately. My next step will be the Attorney General 's office.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 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: Information belongs to someone else

Complaint: Fraudulent accounts/ XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX bank XXXX/XXXX/XXXX, Fraudulent inquiries, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX r & XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, tXXXX XXXX XXXX XXXX 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 11-10-2016 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: I signed up for a Key Bank account based on a bonus offer I had seen. I opened the account in person and confirmed with XXXX XXXX I was eligible. I met the bonus requirements and confirmed that I had done so. However, Key never gave me the bonus. 

I was also misled many times to believe that a resolution was forthcoming, however, it never materialized. I am now being assessed fees, I do not want the account, and I want my bonus as was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has a " promotional block '' on my credit for some reason???? 
My credit is perfect - all OKs - what is a promotional block??? 
I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have multiple balance transfers on my CitiBank Mastercard with different promotional interest rates and end dates for those promotional rates. I also have a small standard purchase amount ( annual fee billed directly to the card by the card company. ) I have been paying extra above my minimum payment each month. When I took a look at how the extra payment has been applied, it appears to me that it is NOT being applied according to the regulations of the CARD act. My understanding, based on the materials on this site as well as supplemental reading elsewhere, is that when you have multiple balances with different interest rates, the credit card must apply payments first to outstanding interest, then to the balance with the highest interest. If multiple balances are at the same interest rate, then they should apply the payment first to the balance with the promotional rate that ends first. 
It appears based on my statements that instead they are applying payments first to outstanding interest, then to the nearest promotional balance, with a tiny amount going towards the standard purchase amount. My calculations show that my standard purchase amount, which is at 16.49 % interest rate versus 1.99 % or less on the other balances, should be approximately half the balance it currently is if the payment was applied as I understand it should be. This was not an issue until the card was charged for the annual fee and thus had a standard purchase balance. 
I did attempt to contact Citibank, but was put on hold for an extended time and gave up. I read their website but was unable to find a description of how they apply payments in this situation. 
Therefore, I am filing this complaint. I have attached all statements, which show both payments made and the breakdown of balances and interest rates, going back to XX/XX/2017the month prior to when the annual fee was charged to the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is continually reporting inaccurate information although I have provided documentation to the contrary twice before. The issue is under the category Public Records, Equifax is reporting that I have a civil judgement of eviction, this is incorrect. 
I was not evicted from my apartment ; I was able to pay the rent arrears in full before a court-appointed deadline. I only received a Notice of Petition -- I was never evicted from my apartment. I have provided documentation of my XXXX County Civil Court Case Summary showing : ( 1 ) I was granted XXXX extensions and then a full payment was made. 
( 2 ) The vacate judgment outcome is Inactive and Discontinued ( not a judgment of eviction ), meaning it was paid before the court-appointed deadline ; therefore, no civil judgment made. 
I have contacted the other XXXX credit bureaus, both bureaus, which corrected the error immediately months ago. Equifax refuses to correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Second Round Limited Partnership (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2016 I received a letter stating that I owed {$3400.00} on account number XXXX for purchase made at XXXX XXXX. I have also received numberous phone calls from an individual at Second Round LP. I attempted to explain to the agent that there must be an error with their records due to the fact that my account was paid in full and in good standing, with a balance of XXXX. I also emailed her a copy of the receipt showing that my pruchase from XXXX XXXX was paid in full. However, I am still continually being harrassed by an agent from Second Round that payment is still outstanding. 

I have asked the agent for clarification on the statement, what items were purchased and for what amount. To date she has not provided any statements showing items that were purchased adding up to the amount they are claiming is owed. Furthermore, the agent has notified me that the account for which I am being harassed is different from the one to which I sent her a copy of receipt showing payment in full. I have also contacted XXXX XXXX and requested copies of all statments reflecting purchasses to my name. XXXX XXXX also informed me over the telephone that they had no record of an account ending in XXXX reflecting any purchase that I had made. It is evident that some error has been made by either XXXX XXXX, or Second Round LP. However, I have not been able to receive any assistance from Second Round in trying to resolve this matter. Both myself and my family are being harassed and threatened that I will contiue to be contacted until they have received payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Equifax to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In 2012, I filed for bankruptcy. Do to a hardship, I applied for a loan modification on my home with Wells Fargo Bank. After months of repeated document exchanges and getting them notorized, I was given a 3 month trial payment plan. During initial application of loan, I submitted a letter with information from the XXXX Bankruptcy court stating that the courts were not interested in home loans between the lender and borrower. Only if payments were increased. The modification was approved and after making the first modified monthly payment, the modification was withdrawn because of no court approval. 
The attorney on my case verified the courts position.

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 06-03-2016 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (PA).
Issue: Deposits and withdrawals

Complaint: Paypal has failed to send payment to settle Federal Civil claim, Paypal still continues to placed unauthorized holds on the account, most recent limitation placed the account placed on the account on XXXX/XXXX/2016, was from an Transaction that occurred on XXXX/XXXX/2016. Paypal has also failed to dispute an Transaction in the amount of XXXX, Paypal still operates as an Bank without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a XXXX citizen out of work and living alone. Harris and Harris keep robo calling me asking that I call them about a debt - each time I call they say they are trying to reach a XXXX XXXX ' - I 've lived at this address for 16 years and had the phone number for the same length of time and no XXXX ' has ever lived here over that time period - each time I call them I tell them as much but the keep robo calling - the last robo call I received was on XXXX/XXXX/2016 and I called them back on XXXX/XXXX/2016, explained the above and asked them not to call again - however that 's never stopped them in the past and I expect they will robo call me again. I filed a complaint with the XXXX today, so I 've taken not other action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

Company response to consumer: Closed with explanation