milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Late fee

Complaint: I charged around {$54.00} on a Home Depot card. I paid {$35.00} on the card prior to receiveing the bill. They charged me a {$36.00} fee because I did not pay after I received the bill. I paid the finance charge and balance off because I was really mad. It was paid by electronic transfer by the due date. They charged be another {$36.00} fee saying it was a day late, but that 's not what the EFT from my bank says. Home Depot is trying to charge me {$75.00} fee on a {$54.00} purchase even though I paid in advance and on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I received a called on X/XX/17 from the phone # XXXX. The caller left a message that they were calling for XXXX XXXX and stated that there is a problem with my name and social security number. They were calling from Weinberg Mediation Group and  that myself or my attorney have failed to contact them regarding this matter and since I have n't taken any action that I 'm not being compliant. First of, I have not received any communications regarding problems with my name and social security. And with all the fraud cases I 'm not calling someone to give them or discuss such a delicate subject. I can only assume this is a debt collector using a lie to get me to call them back. The call back # is XXXX not XXXX which they called from and in their website it states they are a debt collector. For what debt I have no idea.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not follow best practices for cyber security, and made my private information public. Equifax then tried to profit off of their mess up by adding different products they sell on their page. Despicable practice.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: My account was unexpectedly limited and shut down without warning. I contacted PayPal and they said I violated the terms and conditions even though I did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.

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 05-03-2015 about Credit card () with U.S. BANCORP (WI).
Issue: Other fee

Complaint: I have signed up for US bank Business Visa for XXXX XXXX which as their main benefit offered XXXX night free on all awards. The fee is {$65.00}. I would like the refund of my fee, because they discontinued this benefit. US bank refuses for unknown reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP ().
Issue: Application, originator, mortgage broker

Complaint: Ref Case number : XXXX Again unfortunately, the representative of US Bank did not address my complaint accurately and did not explain why the loan officer or the loan processor communicated for the additional information and clarification they need. I received only two calls and most of the time I was chasing US Bank asking if they need additional information or clarifications regarding this loan. 
In addition, I asked to close my checking account ; I deposited {$25.00} per the loan officer recommendation. Why I am receiving back only {$5.00}? see attached file As I mentioned in my previous complaint as a buyer, I can not recover from this failed transaction. 
the seller put this special house right back on the market and immediately was sold.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Back in XXXX transunion had a issue where all inquiries where deleted off of multiple accounts and then put back on to peoples credit, well by law section 6 11 of the Fair Credit Reporting acts it states that if anything is deleted off of your credit and then reinserted to that the persons credit they are reapplying that to be sent A letter with a 5 day notification of reinsert, I did not receive a letter or notification of this and some of these inquiries do not even belong to me. I would like for them to be deleted. I have contacted transunion directly with no answer! 

Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry :  XXXX Inquiry : XXXXDate of Inquiry :XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX/XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry :  XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : 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 05/16/2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am filing a complaint agains t LVNV Funding, LLC, for unfa ir/unlawful debt collection practices. This company purchases charged off accounts from creditors then misrepresents themselves in court as  the Judgment Creditor. Apparent ly, they filed a judgment against me in absentia and are now trying to garnish my wages. I work for an employment agency as a long-term temporary employee and barely make enough to live on, so I ca n't afford a garnishment. Although, that is a moot point as this is n't a valid debt to begin with. According to the paperwork I only just received on Friday,  XXXX   XXXX , there was a Judgment filed on  XXXX   XXXX ,  2008 . I was never privy to any information about said court date ; I never had a Summons served, I received neither phone calls nor letters from them - not an absolute thing. I have not been told who the original creditor is, so I have no proof that this debt ever belonged to me, and, finally, all of my old charged off accounts have fallen off my credit report this year.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: After noticing fraudulent accounts and inquires on my credit reports, I filed an id theft report with the FTC after which I proceeded to call the companies individually and in some cases received help through this very site which I am EXTREMELY GRATEFUL for.Then, I called TRANSUNION and informed them i was a victim of identity theft and provided them with the FTC identity report number and also asked them to remove the fraudulent items immediately since they are ruining my credit.I also called and faxed supporting documents after which they informed me that they will remove all of the fraudulent items within 24hrs.That was almost a week ago!! These credit bureaus need to be regulated more closely in my opinion because all they seem to do is make things harder for the victims and easier for the perpetrators!! I contacted all XXXX credit bureaus in the same day and so far ONLY XXXX corrected the issues, TRANSUNION and XXXX seem to be helping the defrauders more than the victims.I would like someone to EXPLAIN TO ME why is it that when a fraudulent inquiry is applied to my CR 's immediately and it takes 30 + days to remove even though a fraud allert is posted on all XXXX Credit bureaus? if it 's posted instantly it should be removed instantly.While US, the victims are required to spend countless hours and provide countless proof, and to add insult to injury still have to wait a month+, for all these lazy credit bureaus to finish their so called " investigation '' the crooks are free to keep on going with their fraud virtually undetected!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 've been paying Navient for 11 years, on a {$2600.00} student loan. Every month, I pay a minimum of {$48.00}, totaling {$4600.00} and a total of 100 payments. Please help me, I still owe over half of the original balance. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I never had an account with this company, this is a collection agency. I have filed a complaint with this office before about the company Trident Asset Management, at that time the 4 items were removed XX/XX/XXXX and now placed back on my credit report on XX/XX/XXXX. Fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of 10 million dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My query is with the company Discover Bank.I have contacted Discover in reference to account open in my name..They also receive a copy of Identity theft report from credit bureau when I disputed this account..I have asked for proof of my signature or any viable document that represent me entering into business venue with them ... I have now nor never done business with Discover..I have not applied for credit since XX/XX/2015 ...

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I lost my wallet last year. Since that time I have had XXXX inquiries appear on my Experian credit report. I first called Experian in XXXX of 2016 when discovering the issue and they told me it was nothing that they could do and that I would have to contact each company that put an inquiry on my Credit Report. I did that and each company directed me back to Experian. So on XXXX XXXX, 2016, I called Experian to report it as fraud and the representative at Experian stated that they would put a fraud alert on my account and handle the inquiries. I pulled my report today to find out that they only did an investigation of the inquires and did not remove them. The inquiries are fraud and should immediately be removed from my report.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
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 disputed the information with all three credit bureaus, Equifax, XXXX XXXX XXXX XXXX, who will not remove an invalid hard inquiry. I submitted a letter to them explaining that Utah XXXX XXXX XXXX out of XXXX, Utah promised me that they would only use a soft inquiry and not a hard inquiry because the credit union changed my account included in chapter XXXX bankruptcy to a current charge off status. The credit bureaus will not budge or work with me. 

XXXX will not remove an invalid inquiry. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This has to do with annual credit report dot come. Anything pulled by the consumer is a soft inquiry because the consumer, being me, is the one that is requesting their credit report. It is being reported as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I along with my parents have been receiving phone calls from a debt collector regarding a debt that does not belong to me. I 'm certain that the debt does not belong to me based on a letter I received from Fair Collections & Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. The calls came from XXXX & XXXX. They have merely used the internet and available information to connect me to someone I know that owes a debt, but the debt is not mine. This is just a scheme to collect the debt and they do n't care who they collect it from. I want them to cease and desist contacting me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase inherited my bank account from Washington mutual in The 2008 financial crisis and begin charging servicing fees on what was a free student account at W AMU. Chase is refusing to refund the charges, which I have just noticed on my statements, and is being evasive and uncooperative. in the last two years they have charged XXXX {$25.00} servicing fees and are refusing to tell me how many fees they have charged since 2008. Also, they are only refunding XXXX of these fees and being uncooperative in both the branches as well as the customer service line. They have lied to me multiple times including telling me they would do a service review, when in fact upon follow-up, no review had ever been taken place or there was no resolution. I believe this is an attempt to placate the issue, extort fees from their customers without their customers consent or knowledge, and they should be investigated as well as published.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I applied and was approved for a Citi  XXXX   XXXX   XXXX . On the day I received my card in the mail, I also received a letter from  Citi  stating " We 're concerned about potentially suspicious activity on your ... '' It also states " We tried to call you to verify these transactions, but did n't reach you. '' Obviously the card was never activated and Citi never tried to call me. The letter asks me to call. I contact  Citi  and ask them to close this account. They attempt to verify my identify using my cell phone number, then my land line, and finally my work phone number. The Citi representative states they will call my work phone number, leave a code, and to call them back. I waited a day or two, having never received a call to my work line, and call them back. I go through the same process of attempting to verify my phone numbers and again do not receive a call from them.  Three to four  weeks later, on   XXXX  , I call and again go through the same phone number verification process only this time the Citi representative states that I will receive a call from a supervisor. I have spent roughly 1.5 hours on the phone with Citi representatives trying to close an account I never used. Unacceptable!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this account twice with Experian. Once over the phone on XXXX XXXX,2017 and they placed a fraud alert on my file and sent it to the other two credit bureaus to follow suit. A couple of days later they sent an email with the dispute being ready and stated that the company has verified that it was my account and it will not be removed. I started another dispute for Experian to validate and not verify anything. I asked for all documents, contracts that i signed that was used to validate this collection account.and was XXXX XXXX XXXX licensed to collect any debt from me in this state. Once again i did not receive any documents validating any debt that is suppose to belong to me and that is being reported incorrectly and causing harm on my credit.

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