milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was issued but did not activate a Citi Master Card. They continue to send me letters that say that I owe monies for "   XXXX   '' for an inactive card. I have tried calling the toll free number on the back of the card and I am told the card is not active. I continue to get postal mail telling me that I have to logon to a website or I will be charged for the "   XXXX   '' service for the inactive card. I am unable to talk with Citi directly because they hang up on the automation answering service or they do not acknowledge my request to speak to a person because the card number I enter is not active. Account ending  XXXX  and Customer reference   XXXX   Please help with the demands they place upon me for the inactive card.
There needs to be a way for a person to talk with a responsible Citi employee.
Thanks,   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion is reporting two fraudulent accounts on my credit report. The first account is a XXXX XXXX closed account with a balance of {$830.00}. This is not my account and I would like it removed. I currently have a XXXX XXXX credit card with a credit limit of {$300.00} and my balance is under my credit limit. For some reason Transunion is not reporting the credit card that I currently have with XXXX  XXXX, they are reporting a fraudulent account. I disputed this account with XXXX  XXXX and Transunion on XX/XX/2017 with no response from either company. I am entitled to fair credit report, reporting. I would like this fraudulent account removed from all three credit reports and for my current XXXX  XXXX account to report. 

The second account that Transunion is reporting is a XXXX account. I have never had a XXXX account. I disputed this account with XXXX and Transunion on XX/XX/2017. I have not received a response from Transunion or XXXX. According to the fair credit report act i am entitled to have a correct credit report. Please remove this account. 

Thank you

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 08/21/2015 about Consumer Loan (Vehicle lease) with VW Credit (CA).
Issue: Managing the loan or lease

Complaint: I leased a vehicle at XXXX XXXX XXXX in XXXX. When the lease was up, I paid Volks Wagen Credit balance in full via wire transfer, I requested a paid in full letter which I received. This all transpired XX/XX/XXXX. I decided to sell the vehicle last week, XX/XX/XXXX. I discovered Volks Wagen Credit had a lien on the title, I contacted Vw credit and the said it was XXXX XXXX XXXX problem. I called XXXX they said it was Volks Wagen Credit mistake. I called VW credit again and they said they sent the release to the DMV and it would be two weeks! I lost my buyer, and now I 'm told I need to go to DMV and request Title. I paid in full {$15000.00} and a year and a half later they still have a lien! How many vehicles to they reposes with a false lien?????? I have to take a day off work to go to DMV and find another buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Opened a business checking account with a {$200.00} cash bonus promotion if {$1000.00} in new money was deposited within 90 days. I have not received the bonus as advertised even though I deposited the required amount of new money with the 90 day time frame.

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 04/17/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: While at   XXXX   XXXX   XXXX   a student loan I had received from  Wells Fargo went into rep ayment. This would have been in  XXXX , I found out about this in   XXXX   when access to cellphones was authorized. As a result, negative reporting was made to the credit bureaus. Because my  credit score is so young, this reporting dropped my credit score o ver  XXXX  points. It should be noted that immediately upon return home, a payment was made in excess to what was required.   There 's  XXXX  areas of question : I was under military orders during the time of repayment and had no prior indication this loan would go into repayment during that period.    XXXX , the loan should not have gone into repayment during that period. I graduated   XXXX   XXXX   XXXX     with a  XXXX  year  XXXX . in Physics. According to the loan request/credit agreement I signed with  Wells Fargo, the repayment period starts immediately after the interim period which is defined by : " a ) 6 months after I cease to be enrolled at school, unless I re-enroll in another school eligible under Title IV of the Higher Education Act or another eligible school approved by you within that 6 month period ; or b ) 4 years   after the date of my first disbursement if I am enrolled in a two-year program of study ; or c ) 7 years after the date of my first disbursement if I am enrolled in a four-year program of study. '' According to this article, my loan should   have never have been in repayment, because I would have 6 months of interim from my graduation date. All of my federal student loans followed this.
Wells Fargo states the because the type of loan I received is for " career and community coll  eges '', this puts the repayment status as on for a  XXXX  year program. However, this is not what the agreement I signed says.   In summary, I received negative reporting on my credit report from a private student loan with  Wells Fargo, while on   XXXX   XXXX  , during a repayment period which should have been an interim period as stated by the loan agreement. I feel that Wells Fargo is practicing unfair lending, and doing anything to protect themselves from having acted wrongfully.I have no problems repaying the loan, the only action I wish to accomplish is the negative reporting taken off my credit report. I 'm not able to effectively manage my finances before my next report date due to this significant drop in my credit score. I am able to provided as much documentation as needed to support my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent certified letter to transunion, also spoke to over 5 reps, and was instructed to contact each company pertaining to these fradulent/unauthorized inquires ... everytime i contacted the company who allegedly pull my report they inform me they have absolutely no accounts for me and can not provide a letter for bureau because its nothing pertaining to me they can write, informed transunion of what was told to me, was on call for 48 mins requested supervisor then all of sudden phone hangs up, call back again get diff rep, he had nerves to say no matter if FRAUDLENT or not they stay on report and said i could contact the BBB frustated asked for supervisor instantly, had me on hold 30 some mins then phone drops again! 3rd call asked for special handling spoke to supervisor XXXX or XXXX stated was removing inquiries, XXXX XXXX, XXXX XXXX and transunion report inquires still there despite being told deleted, i was a victim of XXXX breach and XXXX XXXX scam. These inquires should not be on my report! XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX this is extremely frustrating when i cant walk into a phyiscal office and resolve this matter asap. I even had fraud alerts and other credit bureaus already deleted when i sent letters of dispute and verifications

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and creditors are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Did n't verify collection, no contract, no signuture

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have opened multiple complaints passing over 20 since XXXX 2017 and all three Agencies were supposed to be updated and the same information via Experian. I had freezes taken on and off the accounts our accounts in error by these agencies and that these agencies failed to honor. Our credit scores are low even though w e have paid down accounts and made arrangements to reduce high interest. This was supposed to be a favorable work while still paying our creditors on time. My wifes name is still wrong even though corrected multiple times. We have been hacked and turned down by creditors because of this for over 11 months causing ever PERSONAL FINACIAL HARM. We have done everything right and are still getting XXXX. When will you do something about this?

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 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Did not provide validation that is competent evidence bearing my signature. No evidence showing contractual obligation.

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 12/24/2016 about Bank account or service (Checking account) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (LA).
Issue: Deposits and withdrawals

Complaint: I made a deposit through the ATM of XXXX. There were NO signs indicating a deposit delay on the machine itself or on the screen. My deposit was accepted of {$75.00}. The deposit was not posted to my account until XXXX days later. I was not given credit for the first {$200.00} of the deposit, AND I was assessed NSF charges on the account. I contacted bank personnel concerning the matter and nothing has happened as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Billing disputes

Complaint: I opened a Target Red Card a while back, I have never been late on a payment of any of my credit cards for 15 years. I made a payment 3 days before my actual billing cycle ( I was going XXXX and was trying to tye up lose ends ). This payment posted for the earlier billing month making me late. Target Red Card reported this lateness to the credit bureau I called and asked for a courtesy adjustment since I had made a payment just a bit too early and they would not help me. I paid the ballance of the card and will never use it again after this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loan servicer was perviously XXXX and now it is Navient both whom I had major trouble with. I owe XXXX in student loans and I am on the IBR plan. My monthly payment has been calculated to zero due to low income. Despite my low income I was getting help from my family and making payments anywhere from dollars XXXX for the last few years. I have always requested my payments to be applied towards my principal but my payments were not applied correctly, my balance has still not gone down and is always the same. XXXXNavient is just scamming students and has been doing so for years. How is it possible that after all these payments I am still at the same principal balance. I kind of gave up now and really can not afford to play these games with them anymore. I was told by a financial advisor to ask them over the phone whenever i make a payment to have my payments applied towards my principal. They have not done so and have applied my payments towards interest even though there was no interest that had accrued at that time. These student loans and servicers will eat my life away just unbelievable. Instead of helping students succeed so we have more educated people in the USA they make it almost impossible to pay off these student loans and making them absolutely not affordable for students by redistributing payments wrongly. I have enough of this, this is not how students should be treated and suffer. I have enough of this and as of next week I am filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Creditor advises account was reported to credit bureaus as of XX/XX/XXXX. However based on the conversations i've had with XXXX, XXXX  and XXXX, account never reported to any credit bureaus. 

On XX/XX/XXXX I contacted BMW Financial Services and spoke to Senior Account Specialist XXXX XXXX. Specialist advised account was reported to bureaus and was the responsibility of the credit bureaus to report account.

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 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: If I am one day past the due date I receive in the upwards of 10 calls a day from Conn 's XXXX and I have answered the phone and gotten no response at times. I have even been contacted after XXXX and on the weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2016 about Debt collection (Medical) with State Collection Service, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from them a while back. I responded stating I was on a payment plan with XXXX and they needed to validate it. They never did and now it is showing on my credit report. This needs to be fixed as I responded within the 30 days and they failed to validate the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This complaint is on XXXX XXXX for failing to correct credit bureau reporting. I have been a customer in good standing with XXXX XXXX for at least ten years but have rarely used my card in the last few years. XXXX XXXX has had a history of charging my card without my knowledge after new vehicle purchase. It seems like the dealer might be providing my credit card information without my consent. This occurred in XX/XX/XXXX and XX/XX/XXXX and both instances were disputed and the charged amounts were refunded by XXXX XXXX. As a result of these fraudulent charges, my credit card went 60 days late as I was not aware of the charges and I do not use the card. The credit card company agreed the charges were fraudulent and reversed both late payments and the interest charged. However, they have not corrected the late reporting to the credit bureau.

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 11/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Experian keeps putting Security alerts or Fraud Alerts on my account WHEN I HAVE NOT REQUESTED THEM TO DO SO. They are doing this because I keep asking for verification of items on my credit report and they are not abiding by the law. They want to tell me to check with the original creditor and that is not how I understand it works. If this credit bureau is going to report information that is negative and directly impacts my credit score it is up to them to investigate and furnish me with proper documentation that they are reporting the correct information. I will submit a complaint daily if I have to in order to get this company to do as they are required to by law. They are refusing to provide me proper physical documentation stating that what they are reporting is complete, accurate and verifiable. Instead they keep stalling, asking me to go to the original creditor and when i do they refuse to provide documentation. So if section 609 of the FCRA is supposed to keep the bureaus honest it is failing. Experian is refusing to obey the law. I am demanding that they remove all Fraud Alerts from my file and stop placing them on there to avoid doing their job. These guys are hurting me, I guess I have to get an attorney and sue them and ask a judge to make them supply me documentation of what they are reporting. Just to take the word of a creditor does not meet FCRA guidelines. I am demanding that they remove the alerts and provide me physical proof of what I have written them about or remove the negative items immediately and stop playing games. I am sick of getting their stall tactic letters in the mail. If you oversee their reporting then someone needs to fine these guys each time they violate the law. They do not have sufficient proof to put fraud alerts on my Credit nor sufficient proof to keep listing Negative information against me SO REMOVE THE ITEMS AND FRAUD ALERT IMMEDIATELY AND STOP PLAYING GAMES WITH MY CREDIT FILE. THERE IS NO LAW THAT EVEN SAYS YOU HAVE A RIGHT TO COLLECT AND REPORT ANY INFORMATION AGAINST ME. YOU ARE FRAUDS AND THIS NEEDS TO STOP IMMEDIATELY.

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 05/26/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving several phone calls each day XXXX since XXXX 2014 XXXX from a debt collector. They do not identify themselves as a debt collector, but I have called them XXXX times to have my number removed from their database as I do not owe any debt ( which they have agreed ). They say it is a mistake and they will remove my number but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company Wakefield and Assoc is reporting XXXX accounts in collections for XXXX medical account. They broke the XXXX debt down in to under {$20.00} increments and servery impacted my XXXX credit score over XXXX points.

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 08/20/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My loan has been sold several times. My taxes were not escrowed into my loan at closing XXXX 2005, the loan officer told me the taxes were {$1000.00} per year not {$5000.00} they are like {$6000.00} now. When the loan was sold the taxes were now escrowed and since I had a negative escrow account my monthly payments were re-directed to the escrow making the principle and interest payments delinquent. I have tried for years to get caught up. Every year I give them my tax money, I enter into these crazy re-payment plans that I can not afford so I use all my savings to keep up with the plan then I have one bad month ( I work on XXXX ) then the plan gets cancelled because I have no way to come up with an extra {$700.00} - XXXX a month extra on top of my regular payment that also includes taxes and insurance. I have no savings because every cent goes to covering this extra amount. They will not update the payments I make on my credit report so I can not re-finance or even get a loan to catch up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation