milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2017 about Debt collection (Credit card) with Colony Brands, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company Seventh Avenue had charged me {$20.00} for a shipping charge. I had placed an order with the company in XXXX. I ordered XXXX pair of curtains. Remind you that I had to pay for the shipping and handling before they would send the merchandise to my address. I received the merchandise and did not like the them at all. I let the company know that I was unsatisfied with the merchandise and wanted to return them back to the company. They wanted me to print out a returned shipping label and send it back and I did. Later they sent me a notice to pay them a shipping fee charge. I did n't understand why because I felt like it was unfair. I paid to get it shipped out and they let me print out a no charge shipping label to return it back to the company, which I thought was fair. I did n't get anything else for them. Now they have this shipping charge fee on my credit report as negative, charged off {$20.00} written off {$20.00}, past due as of XX/XX/XXXX. This is not right at all. I had written to this company about I am disputing this item and wanted them to prove it by validating this account with documentation bearing my signature. They responded by saying I had nothing to dispute. After 30 days, they never put the disputed by consumer onto my credit report. They broke the law. I want this entry deleted. I had written a letter to them about settling this account in exchange to delete the negative remarks from my files. They never responded back. I had also written letters to XXXX XXXX, XXXX and XXXX to investigate the entry on my credit report and they responded by saying the company validated the account was mine. They also never put the disputed by consumer on my report either. They did not verify the company properly because I wanted copies from the company bearing my signature associate with the account that I owe the money to them. Seventh Avenue have completely avoided me and my letters and they have broken the FCRA law. I wanted to pay the {$20.00} in exchange for them to remove the negative remarks, now I am willing to go to small claim court against the company. I will be seeking {$5000.00} in damages for 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA. Very serious and willing to make that move if this entry is not deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/27/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Other fee

Complaint: I am a Citibank Thank You Preferred Visa credit card holder in good standing ( and a Citigold Premium checking account holder ). In XX/XX/XXXX I received a balance transfer offer from Citi Bank with the following offer language : " Lower Rate '' : 0 % promo APR with a fee of {$5.00} or 4 % of the balance ; and " No Fee '' 4.99 % promo APR. I was confused because it says " No Fee '' but below reads " The standard balance transfer fee is {$5.00} or 3 % of the amount ... .. '' so I called Citi Customer service to get clarification. I was assured that the 4.99 % offer was indeed a " No Fee '' offer and that the language about fee was to show what the fee would have been if it were an offer with a fee. 
So I made a transfer of {$2500.00} with the XXXX 4.99 % check provided -- and, despite the stated " No Fee '' ( and the assurance from customer service that this is a " No Fee '' offer ), my account was charged a 3 % balance transfer fee ( {$75.00} ). 
I have written four times to Citi customer service via their website, by fax, and by U.S. mail asking that the {$75.00} fee be refunded but have not received a response of any kind.

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have disputed a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) and I have contacted XXXX XXXX and requested reimbursement related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of my credit report, and credit card statements supporting my position. Please investigate this matter and correct the late payment reporting error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.

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 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: While reviewing my credit report I saw a credit inquiry from  XXXX  wireless on  XXXX / XXXX /  XXXX   that was NOT authorized by myself. I made contact in writing and by phone to  XXXX  explaining to them to investigate and delete from my credit report. They sent a letter back stating that they have no way of deleting and for me to make contact to the bureau and they will go about disputing. I made contact to TransUnion attaching the letter that was sent to me by  XXXX  stating to investigate the inquiry and delete because this was not authorized by me. I received a letter back from TransUnion basically explaining what a inquiry was with no explaination of what I sent to them. They did n't even acknowledge the inquiry at hand. And also telling me to contact  XXXX . I 'm being told by both parties to contact  one  or the another and no one is willing to take resposibility. This is unlawful and is against my fair credit reporting act. Letters attach.

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been working so many time with the Credit Bureau about identity fraud on all three of my credit report summary. XXXX, Experian, and XXXX have on my credit report that I was an victim of identity fraud, but I have alerts coming to my email address to let me know that someone have use my Social Security number. The creditors should be calling me to verify that I 'm the person that is making the inquiry on my credit report. I never receive a call from the creditors about opening up new credit or etc. I have been calling the Credit Bureau about taking the inquiries off my credit report, but every time I talk to a rep the issue never get resolve. All three credit bureau on an police report on file about me being an victim of identity fraud. I need the following hard inquiries off my credit report, because of identity fraud : Experian : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX/XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). XXXX : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). XXXX : XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX/XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). 

Need to have these items removed off my credit report or I will file a lawsuit all three credit bureau for not following through with a victim for preventing identity 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 non-monetary relief
Consumer complaint received 02-03-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: My dealer made me purchase their extended warrant and GAP insurance. I do not need or want it.

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 (Medical) with Health Services Asset Management, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company, Health Services Asset Management, contacted me first on XXXX XXXX at XXXX and then XXXX XXXX at XXXX in relation to a debt presumably held by my mother, as that is who they were requesting to speak with. As I understand it, repeated attempts to contact a third party related to the debt holder is illegal and I would like them to cease all contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I submitted a dispute to Transunion disputing inquiries on my credit report. I received a letter from Transunion that did not address my concerns at all and nothing was done. Today I called and spoke to some guy from XXXX who said his name was XXXX and know it was n't. I told him that I was aware of that in summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. He proceeded to tell me that it was not Transunion 's fault but it was the fault of credit karma. XXXX XXXX is owned by Transunion I demanded that he remove the inquiries at once because by law I have to be notified when an item is being added back to my credit report 5 days prior. He refused

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 06/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I use   XXXX   to get extra cash but chase bank does n't show a report of my transactions on time and it 's causing me overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XX/XX/XXXX  I made a deposit of {$4800.00} in the ATM the receipt said funds would be available in 2 business days. In 2 days it was not available. I went on line and it had a hold until  XX/XX/XXXX . I contacted the bank they said the check was not endorsed so they had to wait for the funds to clear. I contacted the individual who wrote the check. He said that the check cleared his bank on  XX/XX/XXXX . I contacted the bank they said it did n't matter they could change the release to XX/XX/XXXX . My business is suffering because I ca n't order the parts  to build   the    XXXX   that were bought with that check. The release date is after the date the   XXXX   is to be completed which means I will have to refund money that I have no access to. The bank has no right to hold money from me that they received the day after the check was deposited. There are fees on my account because there are things trying to go through because of funds are not accessible. This is not the first time this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: two medical collections were placed on my XXXX credit report this month. I have never received any correspondence from this agency as required by law allowing me to dispute first. I have attached a copy of both collections to verify the account numbers, dates and amounts proposed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest you didn't expect

Complaint: This loan is a scam and a rip off because I took out XXXX and the lady told me that i will be paying bi weekly of XXXX. I brought it to her attention thay the payments I see is way over my loan she said that she can see me the right one but its the same one. I talk to other lady and she told me that I havent paid for my loan yet only interest and interest is everyday. I was n't told this when I first did this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: I used my American Express Bluebird card to withdraw {$500.00} from a XXXX ATM on Approximately XXXX XXXX, 2016. Following this withdraw there were XXXX unauthorized transactions, in the amount of {$20.00} per transaction, for XXXX. I notified American Express Bluebird on XXXX XXXX and they opened my claim, I would call and follow-up on my claim and I was awarded {$20.00}, on XXXX XXXX, for XXXX that they felt was fraudulent/unauthorized. However, I was notified via email, on XXXX XXXX, that the remaining XXXX, identical transactions, were considered authorized. My account was also immediately canceled by American Express Bluebird stating I was in violation of the agreement section 22D on that same day. I spoke to a representative and was told that the department that reviews and declines disputes is unreachable that there is no email, fax, telephone or address on file and their decisions are final.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a second mortgage with Citibank. My attorney made several attempts to get in touch with Citibank so my loan an be modified but up to now no one has returned his phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Purchased home approximately XXXX XXXX, XXXX. Ditech was mortgage company on this purchase. 

On or around XXXX XXXX XXXX I refinanced the home with Ditech again as the mortgage company. Within 1 week of the refinance Ditech dispersed the county property escrow taxes for approximately {$4900.00}. 

Now again in XXXX XXXX Ditech has disbursed from my new loan another county tax payment of {$4900.00}. I have called Ditech nearly 6 times in the past 2 months to be certain my escrow accounts are being handled correctly. To date they are not responding to where my escrow money is from the previous loan. I am basically out {$4900.00} due to their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: My file has been handled by a the Equifax consumer affairs department since XXXX. When it was first placed there I inquired as to why and how long it would remain there. I was told that it was for my protection and it would remain there indefinitely. That could be from a week to years, they could n't be sure. So I waited thinking this would be an added since of protection. Well it has been 6 + years and it has been worse than being a victim of fraud. They have taken my legal right to monitor my credit report with Equifax from me. This department is very nasty and unprofessional. They do n't have set hours. In fact, when I called in today at XXXX am, I was told that they were closed. When I inquired as to the hours of operation I was told that they did n't have set hours of operation by a representative by the name of XXXX. What kind of company does business like this? I now have to wait for them to call me back one day this week to address my credit file listed with Equifax. How is this legal? I have resolved all issues with both XXXX and XXXX XXXX without these types of problems. I should be able to access my credit report. It 's my right to. Furthermore, I have received notice from several creditors stating that they have investigated the fraudulent accounts and the resolution was in my favor, so they requested that all XXXX bureaus remove the accounts from my report. Yet Equifax, for years, has claimed to have verified these accounts. How is this possible? Also, in response to my complaint against them earlier this year, they stated that they needed verification on my identity to provide me with access to my credit file. The funny thing is that I have provided that information several times over! Yes they have sent me a copy of the inaccurate report but have been of no assistance in me addressing those inaccuracies and correcting my report and its reflected history. I am requesting that my file be released from this department as they have proven to be nothing more that an inconvenience and problem for me. It is my right to request this! I am including in this complaint a copy of my driver 's license, my social security card, a current utility bill as proof of address, a notarized copy of my FTC Identity Theft Affidavit, a copy of my police report as well as a few letters from some creditors stating that they asked for accounts to be removed. Please help me close this ugly chapter of my life and move on! I need resolution and to end the mishandling on my file with Equifax. It 's been far too long!

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX-2017 Not my account Fraud account identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Payday loan) with Mobiloans, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They consistently call my phone 3-6 times a day. I have told them that I do n't have contact with the person they are trying to reach and they still call.

Company response to consumer: Untimely response
Consumer complaint received 09/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Robinson, Reagan and Young PLLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX has wrongly submitted a collection action against me. I began new service with XXXX XXXX, and have nothing but consistent billing errors ( always overbilling ). It has been very difficult working with their customer service department to resolve the issues, but a couple of months ago, I thought everything had finally been resolved, and I suddenly received a collection notice on a bill I was unaware existed. XXXX XXXX refuses to recall the notice, and told me to pay the bill and I would have to deal with the credit reporting bureau on my own. This is unlawful as this bill is in dispute, and I do not believe it is owed. Additionally XXXX XXXX has very confusing billing practices, that confuse not only customers but their customer service group. When I contacted XXXX XXXX they also confirmed they did not show an outstanding balance. Here is the monthly copy of my bill. Since working with their customer service, and resolving all of the disputed amounts, or so I thought, I have not received a notice from XXXX XXXX that there was even an outstanding balance. I will not be blackmailed into paying a bill I was not aware I owed, by threatening me with collection actions. I have outstanding credit and will not allow XXXX XXXX to use these strong arm tactics. I pulled a XXXX report, which I have included as an attachment, and it is showing a consistent trend that they are using these unlawful tactics with everyone. Noticed, the complaints are never on the side of under billing, they are consistently on overbilling issues. And their customer service group is not resolvoing the issues corrected. When calls and discussion happen, I have requested they put it in writing because of all of the errors and miss billings and they refuse. This is also unlawful, since they are quoting pricing and locking consumers into three year contracts. They are not charging what they are quoting and we do n't find out until months later as we are trying to sort through the billing.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Credit card () with STATE FARM BANK, FSB (WI).
Issue: Closing/Cancelling account

Complaint: XXXX XXXX 2015 I saw that my State Farm credit card had expired XXXX 2015. I called to inquire where my updated card was and they informed me the card had been canceled. The customer service rep was n't able to tell me why, but said they would have someone call me the next business day. That call did happen and I was informed the card was closed XXXX 2015 due to inactivity. I had used the card XXXX 2015. I never received a letter stating that my card was going to be cancelled or had been cancelled. The woman I spoke with regarding why card was canceled told me they do n't mail letters-they just close out the card without informing the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving telephone calls from Reps with this Collection Agency for several days. The Reps call my home # ( XXXX ) XXXX and my cell # ( XXXX ) XXXX all day. I have requested that the Reps stop these harassing calls ; but they ignore my requests. I have no idea which Debtor ( s ) they represent because all of my debts were included in a Bankruptcy Case during 2016.

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