milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-10-2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Closing/Cancelling account

Complaint: I have maintained a Best Buy Mastercard through Citibank for almost 10 years. This year I failed to receive my card at renewal time. After I emailed customer service, they informed me that they would send out another card. I chaulked it up as that they had forgotten to send out the new card. I even saw the annual membership fee of {$59.00} bill to my statement. I called the customer service about 14 days later to be told that the card had been mailed out with an expiration date of XXXX 2015. I asked why would I receive a card that was only good for a few weeks. The representative then tells me that the card was not renewed. I asked why did n't I receive a notice as required by law by the Fair Credit Reporting Act. She then placed me on hold to speak to her supervisor. She came back to the phone to tell me I would receive one 14 business days. Again I asked why did I get billed the renewal fee. She stated she would remove that fee. I then requested to close that account. She stated she would but I would have to reapply to open it. I stated you guys were going to close it anyway. 
My complaint is that they did n't supply the required legal notice that the account was being closed until I inquired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2018 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this company calls me 3 to 5 times a day I answer the call and they hang up when they do answer they ask me for my ss number or my date of birth without identifying themselves or telling me what the phone call is about I had to call the number back to find out who was calling

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: Citizen Bank has been taking out monthly fees for over three years from my bank account and never once informed me of these transactions. I never once received a phone call, email or letter, telling me this was going on. To my knowledge every bank I deal with even if I do not get monthly statements, will write to let me know what is going on with my account. This bank failed to do, instead just go into my account and help themselves to a monthly fee and now refused to give back my money. Do you know of anyone who has a bank account and allow them to do as they like with your account, without your knowledge and then turn around and blame the customer. Also you believe the bank is a safe place and you want interest not someone to go behind your back and steal your money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with Collections Acquisition Company, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid XXXX in XX/XX/XXXX for account # XXXX for {$68.00}. They never send my receipt ive requested several times. I disputed this account to credit bureaus and they remove the account off the files in XX/XX/XXXX. Since them this account has not being reported each time ive talked with XXXX this never came up that I still owe it. I checked my credit report this month and found out they put this account back on the file its been 1 year and 3 months this account were not being reported. I can not get the bank statement because I no longer have the account it was closed in XX/XX/XXXX. Somebody had took my payment and did n't apply it to the account. Its no way the credit bureau would delete something without being paid or its 7 years old. Also they just put another account # XXXX for {$83.00} from XX/XX/XXXX on my credit file I want to know where this account been all this long time 5 years. I want these items deleted from all credit bureau this is so unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (I do not know) with New Century Financial Services, Inc. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: New Century Financial services, with XXXX has put a default judgement against me in a civil part court, for a debt I have daub is even mine, they levy my bank account money and my motor vehicle writ to take away, I 'm sure that I do n't owe any debt to them and they are harassing by doing so, I need help!

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 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX    XXXX ,2017   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Ca  XXXX   XXXX  had had inputted an inquiry on my credit report without my consent or knowledge.

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 02/26/2018 about Payday loan, title loan, or personal loan (Payday loan) with MoneyLion Inc. (VA).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: on XX/XX/29 company withdrew {$610.00} from my bank account without authorization

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 08/29/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Struggling to pay mortgage

Complaint: To whom it may concern, My name is XXXX XXXX and I am writing this letter to explain to you the series of unfortunate events, which caused me to fall behind on my mortgage. My husband and I went through a difficult XXXX and as time passed he was only able to contribute a small amount. Later on, he XXXX XXXX and was not able to contribute at all. At the same time, my daughter XXXX XXXX XXXX was going through her XXXX XXXX  XXXX, and was not able to work and therefore was not able to help me either. Thankfully, my financial situation has gotten better now and I feel a loan modification would help me get back to current and would help me keep my home. I have my mother living with me and my XXXX children and I would like to keep my home. Unfortunately, it 's been XXXX years I have applied for a loan modification with my lender, Select Portfolio Servicing and I keep getting denied for a Loan Modification every time. I feel a part of the denial is because I am of XXXX Descent, because the staff is very rude each time I 've worked with them. Select Portfolio Servicing advised me, the reason for denial is because they could not create an affordable payment. I do n't understand how this is possible if my interest rate is at a 9.69 % right now and I 'm sure they can accommodate my loan if my interest rate drops drastically. In the last couple of months, SPS has offered me a repayment plan with 12 monthly payments at {$2300.00} and a XXXX balloon payment of {$87000.00}. I have appealed this decision and have told SPS many times that this is unrealistic and I can not afford the repayment plan. My usual mortgage payment is {$1100.00} and even if this payment increased a little bit, I can still afford it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (NJ).
Issue: Fraud or scam

Complaint: Dear Sir/Madam, Because Chase did n't answer all my questions in my complain number XXXX. I would like to file a complain again.
Chase especially did n't answer that question how someone else could link their XXXX accounts to my checking and saving without any verification from Chase, as I mentioned in my complain XXXX, Chase even did n't do a basic check such as if name matches. I would like to see the document I signed that authorizes this kind of behavior.
Chase is notorious with data protection of their clients, and when issue happens, they seemed not willing to to help clients to solve the problem and just want to protect them self. I would like to ask CFPB to take a further look of Chase 's practice in this area.
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Mortgage) with Dovenmuehle Mortgage, Inc. (CO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been trying to get my mortgage caught up with XXXX 's debt collection company for over two months, Dovenmuhle Mortgage Inc. Every time I speak with different people, I am told different things, I sent letters and no calls returned.I sent a modification package. Nothing done. I received a letter from attorney two weeks ago. I was told by law firm they ca n't give me information. Call Dovenmuehle and they wo n't give me info until I submit letter to reinstate, which I mailed on XX/XX/XXXX and submited by fax. Now I receive a letter from an attorney that they are foreclosing on my property even though I have tried to work with them to catch up my mortgage.Now I am having to do a Notice to Cure with XXXX County. XXXX/Dovenmuehle received my check and letter but not deny getting anything else from me!

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit card () with Alliance Data Card Services (CA).
Issue: Late fee

Complaint: Comenity Bank is the worst company I have ever dealt with. One of the worst cards to apply for. My card was issued through HSN, after buying an LCD TV through HSN for {$1400.00} and I now been paying this company over {$2200.00} with late fees and VERY HIGH Interests, they are still reporting me negatively ( every Month ) to Credit bureaus. Hate Comenity Bank they do n't care if you are up to date with your account. DO NOT APPLY FOR THIS CARD!!! They are one the most unorganized, unprofessional company I have ever worked with, VERY RUDE customer services. 
Buyer beware, this company will not ever lower your interest rate no matter how good your rating is with them. I been charged for late fees OVER N OVER, again - If anyone is STRATING A class action suit - I will join please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Other debt) with Omega RMS, LLC (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection agency is reporting the incorrect " placed for collection '' date on my credit report for an account that is also past the 7 year reporting time frame. Also known as re-aging. The placed for collection date -XX/XX/XXXX, is actually the date the collection agency purchased the account from the original creditor. The account last payment was XX/XX/XXXX per the installment contract from the original creditor. According to FCRA Section 605, this account would have gone into collection/charge off on XX/XX/XXXX -180 days with no payment ; remained on my credit report for 7 years then removed from my credit report by XX/XX/XXXX. I have submitted certified letters to the collection agency, credit bureau and original creditor but the account is still on my credit report and with the incorrect date. 

The FCRA says that collection accounts must be deleted from your credit report 7 years from the date of first delinquency on the original account. The date of first delinquency is 180 days from the date of your very last payment to the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company has mislabeled the debt on my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I file a complaint with XXXX about SW Credit Systems because Systems SW Credit Systems added a debt of $ XXXX.to my credit reports without notice has caused me a denial of housing, this is not my debt. Southwest Credit Systems, LP, did not provide notice to me prior to reporting negative information to the credit reporting agencies. Because Southwest Credit Systems did not give me prior notification, I was denied the right to dispute the debt or verification of debt. 

Southwest Credit Systems, LP also reported on my credit report that I opened the account with them ( Southwest Credit Systems, LP ) on XX/XX/XXXX. This is not true, I never opened account with SWCS, LP. I have no knowledge of nor am I aware of such business transactions with this company Southwest Credit Systems, LP or the company they represent ( XXXX ). 

By Southwest Credit Systems adding the debt of {$840.00} to my credit reports without notice has caused me a denial of housing and credit. By SW Credit Systems, LP adding / reporting a debt of {$840.00} and not notifying me prior to reporting to the credit reporting agencies is SWCS, LP for me to pay a debt that is not mine. I also sent a certified letter # XXXX to Southwest to remove the debt b/c it was not mine. During that time SW Credit reported the debt to XXXX and XXXX, after numerous back and forth between Southwest Credit Systems and the XXXX, Southwest removed it from my XXXX and XXXX reports at the time of SWC reported the debt it was not reported on my XXXX. On XXXX/XXXX/XXXX Southwest Credit they would cease and desist all contact regarding this matter on I got an alert that on XX/XX/XXXX Southwest reported to XXXX the same debt of {$840.00}. Also, I was in such in a dire to move from current resident I offered to pay {$250.00} so I could obtain housing. This offer was not a settlement but an agreement that they would remove this debt or report paid in full as agreed so I could obtain housing. SWC did not provide validation of this debt belonging to me. This has been on-going with Southwest Credit System since XX/XX/XXXX, as I have stated to Southwest, this is not my debt. I have no knowledge of this I only offered to pay {$250.00}. b/c I was in need of immediate housing and I am un-employed. This was an offer, not a settlement only to get housing that is the only reason I offered the payment of {$250.00}. for this debt that do not belong to me.

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 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed my collections accounts with XXXX and Experian. They have not properly verified these accounts according to law. The accounts are collections accounts from creditors that I have no knowledge of. And the medical collections are HIPPA vilations for I did not sign for a third party to retrieve any information from me. On the receivable recovery they had a different doctor on the reoprt and switched to another doctor. I had never seen these doctors. I feel violated to see how easily my personal and medical information can be sold at a dime. I have also disputed inquiries that do not belong to me and verified my identity just to have a fraud alert placed on my account and say, call the person who placed the inquiry. When I call for the inquiry to be removed then the creditor say call the credit bureau. I get the run around everytime. I get alot of misleading information. When I ask for a supervisor, they can never come to the phone.

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 08-04-2017 about Debt collection (Other debt) with ERC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This is violating FDCPA, FCRA, and Consumer protection Laws in connect with Accounts not Authorized, Verified and/or not accounts with no contractual agreements to this company. This Company is also in violation of COPYRIGHTED name and/or likeness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I received emails and phone calls regarding a student loan for XXXX XXXX that I never cosigned for. I want my credit report cleared and damages for undue harassment. Navient needs to go after XXXX XXXX for repayment

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: When I first purchased the XXXX XXXX in XXXX I asked the dealer for GAP insurance. My daughter totaled the vehicle XXXX. I found out that day that the dealer did not add GAP insurance as requested. The insurance company paid XXXX towards the XXXX that was still left to pay. The loan company did not apply the check right away which caused more interest to be added to the account. I called to request a reasonable settlement amount so that I can pay off the car, I have always paid on-time and have always payed over the loan amount. The balance is around 1900. They offered XXXX as a settlement. I believe that they have been excessively charging interest and intentionally did not apply the insurance check to the account immediately so that more fees could accrue. I was told that the only option was to pay the XXXX, or else the full amount which is still accruing interest. After experiencing this, I would like to have my account looked over due to believing that I have been paying more interest that is actually owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I purchased a used car and it financed threw XXXX XXXX XXXX   XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to Santander consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XX/XX/XXXX.. it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to XXXX XXXX.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A company which I had transacted a purchase in the past ( about 2 years ago ) charged my account for {$230.00} in XXXX of this year. When I called the company I was told that they had no record of charging me for this and instead wanted me to give them my credit card number and other personal information. I refused to do this because I gave them the transaction number and they should be able to figure it out without all of my financial information. I disputed it immediately. I had to chose from a drop down list of options to dispute the charge and the only one that applied was a fraudulent charge. I felt like my account had been compromised since this company was using my information from a past purchase to steal from me and stated this in my dispute. The bank has done nothing except call me once. They did not even stop the card numbers and re-issue new cards until I threatened them with filing a complaint with CFPB on XXXX XXXX 2016. At that time they re-issued new cards which we received on XXXX XXXX, 2016 to me and my spouse but did nothing about the fraudulent charges to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with Credit Plus Inc (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XXXX XXXX, XX/XX/XXXX we received a discharge of our chapter XXXX Bankruptcy, which included XXXX accounts with XXXX XXXX. When applying for a mortgage prequalification, XXXX of the accounts show a BALANCE and LAST LATE of XXXX. Another shows a BALANCE of {$0.00} with a LAST LATE of XXXX. Credit Plus, Inc is the credit reporting agency used by my mortgage lender. On my XXXX report of XXXX/XXXX/XX/XX/XXXX these accounts have a status of " Discharged through Bankruptcy XXXX XXXX ''. I do not know why Credit Plus has this shown differently on their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: HSBC after foreclosing a loan in XXXX and sold the property for more than the mortgage amount, they recently updated my XXXX credit report and placed a new foreclosure for XXXX in my credit report to destroy my credit for the second time.

Company response to consumer: Closed with explanation