milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Advertising and marketing

Complaint: I purchased a bunch of items at a Home Depot store in XXXX, MA last year in 2015. At the register, a home depot sales associate said I could save 5 % to 10 % on that purchase and every subsequent purchase made in Home Depot online and Home Depot retail store, if I used a Home Depot credit card. So I signed up for the credit card believing that promise. A XXXX weeks later, when I purchased some more items on Home Depot, they did not give me the 5 % discount they promised on the credit card. So I called Home Depot/Citibank customer service, who clarified that there is no such terms. I canceled the card immediately, but I noticed that a hard enquiry was made on my account by Citibank. So I asked Citibank and Home Depot to remove that enquiry and that I would pay the outstanding balance immediately after. Till date, neither Home Depot nor Citibank have removed that hard enquiry, even though they acknowledge their mistake. I have made more than XXXX phone calls, sent them several emails also. They seem happpy to charge me for interests and penalties on a credit card they sold under a false promise. They have not helped me remove the hard enquiry with teh credit bureaus. 

I have never had a bad report on my credit report ever. This is the first time that a credit card company has landed me in trouble with unfair practice. 

I fail to understand what protection a consumer has against unscrupulous sales associates tjat make false promises to customers. In retail stores, when customers are in a rush, when there is a line behind the customers waiting to pay their purchase, it is not easy to scroll down and read the mnutiple pages of terms and conditions on a small XXXX device. 

I would like to have Citibank remove the credit reports on my file., remove the hard enquiry as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Company continues to add a debt to my credit report that I do not owe. I have disputed it twice, and Experian removes it, but the next month or more it is back on there. When I called Enhanced Recovery Company, I was told that I owed XXXX. I have not had XXXX in 10 years and I do n't believe that XXXX would have waited 10 years to inform me about a debt. I left XXXX in good standing. My current credit score is XXXX. I am beginning to get really upset that I have to continue to dispute this false debt. It is negatively impacting my credit score.

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 02/20/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: The collections department at Wells Fargo began calling 2 or more times per day on XXXX/17 against my wishes. The same day ( XXXX/XXXX/17 ), I spoke with collections and the re-entry team for next steps. The collections representative explained they would continue to call everyday for the remaining balance regardless of me speaking to collections and working directly with the re-entry department to handle the account. These practices carried out by the collections department are harrassment. The re-entry team stated I have 30 days to submit the necessary documents, I 've also shared this with collections, although they have this information documented in the system notating the dates I spoke with collections, re-entry, and the home preservation department.There is n't a need for collections to call everyday multiple times a day to discuss how the account is being handled.

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 Checking or savings account (Checking account) with PAYPAL HOLDINGS INC. (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have been the victim of friendly identity theft recently. Paypal and my bank say they are not on the hook for the money. the money way taken from   XX/XX/XXXX   to   XX/XX/XXXX .   <P/> my bank refunded me {$3000.00}  USD for the first 60 days of transactions. they also Refunded {$19000.00} USD w hich was fraudulently used on my credit card. the problem is i still have {$35000.00} missing from   XX/XX/XXXX   till   XX/XX/XXXX .   <P/> I was wondering if this money was stolen out of my business checking account is there any insurance on it?

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 05-12-2016 about Debt collection (Credit card) with Alliant Capital Management LLC (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have received a voice mail ( standard non-personal voice mail ) from a company alliant capital management ( on a phone number I 've never spoken to them on ) disclosing I supposedly owe them a debt ( without verifying who they are leaving leaving the message for, on a phone I share with other people ) threating legal action " to the fullest extent necessary '' if I do not contact them within 24 hours. The representative, XXXX XXXX also called my parents and disclosed my debt to a third party. This is a complete invasion of my privacy which is supposed to be covered by the FDCPA ; who also is supposed to protect against threats by debt collectors. Also I am stating that I am unaware of such debt or the means of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (I do not know) with Capital Management Services, LP (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received XXXX calls from Capitol Management in XXXX Ny all within a 3 week period asking for XXXX different debtors who have absolutely no relation to me. When my husband called them back after the XXXX call he was told that my number appeared on XXXX different accounts there all in the same department & that was not an unusual thing to happen. I let it go, thinking that might be true until my XXXX year old daughter received a call on her cell phone ( under my name ) asking for another different name. I then decided to call myself and was told that her number and my number would be removed. The man stated that he could not tell me how my number or my daughters number got on all of those accounts but clearly one of there employees intentionally placed the numbers there to harass me. It was completely swept under the rug to cover up there illegal practices. I was told that I would need to call back and talk to there compliance department. If adding peoples number to an account to harass someone you just do n't like is a common practice for them then they should be out of business. I will be filing an attorney general complaint

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 12-09-2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Closing/Cancelling account

Complaint: I have a closed account with Chase which I have recently paid off completely as of XX/XX/2016. The remaining balance at the last statement date was {$20.00}. I paid {$21.00} on XX/XX/XXXX and had a credit balance of {$0.00}. On XX/XX/XXXX, Chase issued a " debit adjustment '' and removed the {$0.00} from my account. When I called today and asked why they did this and why a check for this amount had not been issued to me, the representative said that Chase routinely does debit adjustments to accounts with credit balances of {$1.00} or less. I wanted to flag this for you because on an aggregate level, this must represent a very large amount of money that Chase is in essence stealing from customers. 
I was never contacted by Chase, either by an account notification, an email or a telephone call prior to the " debit adjustment '' occurring on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Hello CFPB, After applying for a home loan refinance, I discovered that my current HELOC with Citibank Account # XXXX was not being reported correctly to the credit bureaus. Citi reported the loan with a XXXX outstanding balance. This is not the case as the attached statement will attest. Due to this error in credit reporting, my refinance mortgage company can not submit the loan package to underwriting and the loan is currently at a stand still and due to time constraints I am in danger of losing my loan rate lock. To move forward with the loan they requested a letter from Citi stating the following : " To fix your credit here are the items we need in a letter from Citibank : - State that the reported {$0.00} balance is an error - State the current loan balance amount - State that the loan has been paid every month as agreed for the last 12 months - State that there are No Disputes associated with the loan ( if it is still in dispute in their system tell them that you are no longer disputing anything ) - Include the loan number and name of the borrowers '' I contacted Citibank on XXXX/XXXX/2016 and spoke with customer service rep XXXX, explained the situation and requested the letter with the above statements. He opened a support case # XXXX, said it would take XXXX5 business days to receive the letter. 
I called Citi back XXXX and was informed that my case was closed, and that they could not produce any letter and offered no help to resolve the incorrect credit reporting error.

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 10/25/2017 about Debt collection (Medical debt) with Collection Management Company (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have six accounts in collection from XXXX XXXX XXXX XXXX XXXX Dates of service and amounts reported to my credit was incorrect. I called XXXX XXXX and was advised the debt can not be removed. The claims were only submitted to my primary insurance with XXXX XXXX and not my secondary insurance with XXXX. For XXXX/XXXX/XXXX {$550.00} for XXXX/XXXX/XXXX {$26.00} and {$230.00} for XXXX/XXXX/XXXX {$1200.00} my insurance at XXXX XXXX paid leaving a balance of {$540.00} to be billed to XXXX. For XXXX/XXXX/XXXX {$680.00} and for XXXX/XXXX/XXXX {$660.00} XXXX XXXX paid XXXX leaving a balance of {$420.00} to be billed to XXXX. XXXX XXXX reported the wrong amounts to all three credit agencies and never requested any referrals needed for procedures and would not do anything after I spoke with XXXX in billing three times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I submitted a letter to XXXX to REMOVE collections from Central Financial Control from my credit reports because they are not licensed in the state of Tennessee. Although I did not personally reach out to Central Financial Control but to the credit bureau with the info from the Tennessee verify page it was not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/2017 purchase a battery operated handheld massage that supposed work with batteries I change the batteries several and not responding so I contact the XXXX Customer at XXXX claim that they was unable to help me and put in complaint with the full credit number and then I contact TD Bank Customer Service regarding disputing this charges since the business will not honor a exchange or refund on the product and the TD Bank Representative all said she unable to dispute the charge because it has been more than 60 days I explain to them and she aware that checking account is closed on the statement it indicate XXXX XXXX XXXX XXXX XXXX XXXX for {$180.00}. Why is that Fraudulent purchase can not be dispute is this legal and why is the full debt card number need for dispute when the bank should have all access to Banking Activity is this legal and please ensure that staff do not tell me and others that I will be wasting my time this is my money from my working and depositing in the Retirement this money was transfer from IRA Account and governing by Retirement Account Federal Regulation and the transaction with these account are be reviewed by United States Department of Treasury Internal Revenue Service please investigate this Bank and ensure that they operating according to United States Department of Treasury and United States Federal Regulation and then after informing they not going to be able file my dispute they transfer me to Recover and Charge Off for XXXX XXXX and she was not able help with pass account and Debt Card Number is this legal and the number I was transfer to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (I do not know) with Williams & Fudge, Inc (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In the state of Iowa, debt collectors are restored by law to state, " This is an attempt to collect a debt. Any information collected may be used for that purpose. '' This caller, Williams and Fudge, initially contacted me on XXXX/XXXX/XXXX, and did not state that legally obligated statement. Instead, they acted like they could not hear me and repeatedly asked if I was a certain person. I answered yes, and they immediately hung up. What has followed has been months of phone calls from spoofed local numbers ( including my own number calling me ), from Williams and Fudge : Dates and number of calls : XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 7 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 3 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 1 XXXX/XXXX/XXXX - 2 XXXX/XXXX/XXXX - 1 They have now added a relatively small collection amount to my credit report without ever having notified me that such a debt was owed. I believe my rights have been violated by Williams and Fudge.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I took out student loans through the XXXX in XXXX roughly to help me pay for my degree. They suggested I take out loans with XXXX who was the number one provider in student loans at the time. I did n't finish school and XXXX started hounding me for money that I owed them. They kept defering my loans as I was unable to make payments. After I finished with XXXX XXXX Application ) they expected me to pay them within two weeks of graduating. I was able to push the due date back to 30 days as I felt it was wrong of them to charge me so soon after graduation. My mom and I worked with them to put me on an income driven plan that had to be renewed every 15 months. Towards the end of my second term of the 15 month plan, I was so fed up with dealing with XXXX who had become Navient, that I wanted to refinance my loans and get them out of their hands. I contacted XXXX who told me they would buy out both my federal loans and my private loans and reduce my payments. They told me not to contact my creditors as this could slow down the process. I did as they asked. In XX/XX/XXXX Navient was able to contact me and verbally threated to use my high balance credit card to bring my account current. I contacted Navient in XXXX telling them to stop the payments as they were being bought out. Needless to say, I received 6 months of delinquent charges from Navient because XXXX did not pay my loans on my behalf as they were supposed to. I got in contact with the Minnesota Attorney General 's office to get a full refund so I could bring my loans current. I received a partial refund, and was able to bring the accounts current in either late XXXX or early XXXX. I asked Navient to remove the delinquent charges, which they stated they could n't. They suggested I write to the credit bureau and ask them to remove the charges. I received a call a week and a half later from Navient saying there was nothing they could do. Every time I 've talked to Navient, they are rude and are unhelpful. All I want is the delinquent charges removed as I was doing what I was told by a 3rd party company, who stole hundreds of dollars from me. I 'm including letters I received from the Attorney General, as well as some of the emails I have sent to XXXX asking for a full rend.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Non-federal student loan) with Earnest Inc. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Earnest Operations, LLC is using deceptive and unfair lending practice in regards to their student loan refinance product. They are requesting 10 day payoff letters from your institution that your are refinancing your loan with ; however, they are experiencing a XXXX backlog in payoff processing. They are not making any consumers aware of this back log until after they sign final loan documents. This places many consumers at peril or higher interest expense, opens them up the possibility of incurring late fees from their previous lenders, and the possibility of negative credit bureau reporting due to their lack of ability to process payments in a timely manner. I work in the XXXX and have the skills necessary to protect myself from these instances ; however, not all of their customers will have the level of financial sophistication that I have. I have already had to incur higher interest expenses as a result of their actions, and want to protect further consumer from being harmed. I would welcome a phone call to discuss the entire situation in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Billing statement

Complaint: HH GREGG credit account. Charged us high interest & added it to our account without giving us any notice. I asked in HH Gregg local store in XXXX XXXX, if they could tell us a " balance '' or give us a payment statement. HH Gregg told me, they have no access to this information. 
I went on " my online '' account for HH Gregg. To my surprise, there is " no available '' information, regarding : statements, balnce inquiry, current amount due or payment history. No record of " interest due '', current interest rates charged. 

I went to store again & asked what is my balance, after paying a store payment. The store manager again stated : " we have no way of knowing this information ''. 
I told store manager, that I went to my " online account '', and could not pull up a statement, account payment history or could not find where any " interest charges '' were be acrued! 

Manager gave me a phone number, saying : " maybe they can help you ''! 

Dissappointing, as we got an additional $ XXXX+ interest added onto our account, without being given any notice at all. Our account was down to {$1200.00}, now it has a balance of over {$1500.00}! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX ( cell ) or XXXX ( residence )

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My credit report has several unauthorized inquiries, I contacted XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX PA, to discuss the FRCA violation and they said that the inquiry in question was from a business loan application that they received from on their brokers " XXXX XXXX XXXX , XXXX, and they said I authorized it, I said, I wanted to see the application that authorizes my personal credit be pulled and they send me an application from XXXX XXXX XXXX XXXX XXXX that specifically states " that may not obtain, including credit reports and personal financial condition. ( see attached ). I have discussed this matter with XXXX XXXX XXXX of XXXX XXXX XXXX and he refuses to have the inquiry removed. I explained to him in depth, that all he has to do is contact the credit reporting agency in question and have the inquiry removed. He has refused to have the inquiry removed, most likely because they do this all time and do n't want to get in trouble with the three major credit reporting agencies " XXXX, Experian and XXXX for pulling consumer credit reports without authorization. My credit score has dropped substantially because of unauthorized inquiries,

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 01-05-2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Late fee

Complaint: THIS REPORT WITH SUPPORTING DOCUMENTS WILL BE ATTACHED. 
1. Since XXXX I paid my credit card bill each month soon after I received it. 
2. On XX/XX/2016 - around the time Citibank was transferring my credit card from the original XXXX Universal Card to the Citi Preferred Card - I paid my XX/XX/XXXX bill online. 
3. I printed Citibank 's receipt of my online payment. 
4. My bank XXXX XXXX XXXX never received a transaction request from Citibank. 
5. I was surprised to see my XX/XX/XXXX charges plus a late fee on my XX/XX/XXXX bill. 
6. I paid my XX/XX/XXXX and XX/XX/XXXX charges. 
7. I sent Citibank a copy of the receipt of my XX/XX/XXXX online payment. I noted that the glitch had to have occurred on their end, since it was around the time that they were processing a transfer of my card. 
8. I requested that they drop the late fee. 
9. Citibank refused my request. 
10. CITIBANK 'S POLICY IS TO BLAME ITS CUSTOMERS FOR CITIBANK 'S ERRORS! 
11. I closed my credit card account. 
12. I am receiving extraneous communications from Citibank.

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