milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Our Citibank statements either on line or in the mail no longer have copies of our checks. 
We need to see copies of the checks we write. These checks are documents we need XXXX and for other uses. 
If XXXX can give XXXX of email storage for FREE to XXXX XXXX customers, why ca n't Citibank keep less than XXXX that amount, XXXX megabyte of space to allow us to see our checks as they used to do? 
They only kept the images available for a year or so so it never amounted to a lot of storage. 
XXXX Bank is doing the same on the new account we opened there. 
Please stick up for us consumers. 
If XXXX can do it for free x XXXX, surely our bank can do it too. 
The federal government gave banks the big saving of not having to return the actual check to us. At least let us see the " virtual '' check. 
Thanks for your time and help. 
XXXX and XXXX XXXX you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient services all of my federal loans as well as private loans. However, there is XXXX loan to which I have a discrepancy with. I 'm not even sure I even owe the money that Navient claims that I owe. I submitted an application in XX/XX/XXXX requesting to borrown money. However, I ca n't recall ever receiving the money. It is a {$27000.00} loan that Navient said was sent directly by me, however there is no documentation on my end that this check was ever deposited in a bank. And the loan has accelerated in penalities and interest to {$80000.00} which they wo n't reconciled by XX/XX/XXXX. I have requested in writing by certified mail, as well as in numerous telephone conversations that they send me a copy of the signed promissory note and front and back of the endorsed check, to which their either ca n't or wo n't provide. Yet the phone calls are relentless. They call my phone 3 to 4 times a day, have called my work and left a message ( which I work for a alternative school and am not allowed personal phone calls ) and they send letters and calls to other members of my family. I am not avoiding them, but have simply requested proof that I actually borrowed this amount of money. And I have also requested a reconciliation of all of my accounts being serviced by Navient in an attempt to find another loan institution that would be willing to consolidate the debt for me and give me a monthly amount that perhaps, I could afford to pay. That request has not been honored either. They say that on XX/XX/XXXX, they are going to turn me over to a lawyer, but yet will not provide me with the documentation I believe I am entitled to review.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXXas soon as I saw mail showing I was behind my payment to them I called to let the credit card company know that I had to close my bank account and re open another bank account due to some hacking on the account. My payments were set on automated payment deduction that always comes out of this bank account and I needed to reset up the same thing with new bank account. I thought the payment for that month had already made it through and it did not go through as it said it did on line on there website and that is why I missed getting payment in on time. I was only a day or so past due when I called them to explain why the payment was not received and to give them new information on my new bank account and tell them the reason I was late was due to not getting my new bank account information over to them before my payment was to come out. After I told them, they said that as of this day I called in my account was technically past due. The credit card company said they would not show me having a late payment account since I called to let them know and redirect my schedule payment to the new account. Now my credit files say the dispute has been taken care of, but it is still on my credit files saying I was late. I need to have this removed from my files showing I have never been late. I am buying a house and this is damaging my ability to do so. I would have never been late if it had not been for my automatic payment not going through because of the change in accounts. I was told they would not show me late. Also the credit card does not show the years I have had it so my credit looks like I have only had credit for just over a year and it's been almost 3 years. This is what is shown on the Credit bureau 's and it should not show late. Overview You're currently using 98 % of your account 's limit. Balance {$880.00} Credit limit {$900.00} Minimum monthly payment {$45.00} Opened XX/XX/XXXX ( 2 yrs, 3 mos ) This is not shown on the credit bureau 's facts for scoring. Payment History Youve made 96 % of payments for this account on time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status 30-59 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 30-59 Days Late Times 30/60/90 days late 1/0/0

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 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Commercial Services, Inc (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am writing this complaint because of several violations of the Fair Debt Collections Practices Act by a representative of National Commercial Services. Several letters that failed to make clear the debt have been sent to my address and in recorded phone calls made on XXXX/XXXX/16 the representative threatened to turn me over the Department of Transportation, increase the debt should I verify the veracity of the debt, failed to read the mini Miranda, sent correspondence to my email after I told her that she could not use the address for communication and called me on my cell phone without requesting permission to contact me at that number. 

I request that a full investigation of these violations of the law be made by your office and the appropriate actions against National Commercial Services take place. 

I can be contacted at the above listed number and address. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (FL).
Issue: Problems when you are unable to pay

Complaint: I Requested this company in Writing to Validate this Debt. I asked them to Send me a copy of the CAR NOTE with my Signature and they Refused to. I have no Recollection of this account # XXXX XXXX XXXX XXXX and want It Removed from all XXXX Major Credit Reporting Agencies ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from XXXX XXXX, Capital One, XXXX XXXX, XXXX, Kohl 's Card, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (I do not know) with FIRST NATIONAL BANK OF PENNSYLVANIA (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Regency finance came to my house twice now and threatened me with wage garnishment. If I did not pay. They call about 10-15 times a day.

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 04-01-2017 about Bank account or service (Checking account) with U.S. BANCORP (CO).
Issue: Using a debit or ATM card

Complaint: A new debit card with the logo visa was issued and was supposed to come in the mail, my account balance was {$16.00} but when I went to check it it was at - {$4.00}, when I saw my current bank statement it said that the debit card was used but I have n't received it which was odd. Called to the US Bank and was told someone activated my card and used it at a gas station which I knew I did n't make, the personnel at the bank told me that after various attempts to withdrawal money from my debit card failed because of the wrong pin number, the remaining quantity of {$11.00} was used. Then we proceeded to make a card fraud report with the bank via 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 monetary relief
Consumer complaint received 11-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (OR).
Issue: Rewards

Complaint: I signed up for and met the use requirements for a Frontier credit card with a bonus of XXXX miles. Barclay, the credit card company involved, sent a statement verifying I had met the purchases amount and was now eligible for the mileage. Multiple emails and phone calls have resulted in nothing but wasted time and frustration and the cost of multiple flights to care for my mother during her XXXX illness that would have been covered by the mileage if I had received it. I also contacted Barclay for help and they were only able to confirm my eligibility and refer me back to Frontier

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information with Equifax has been leaked, and I personally have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Name :  XXXX  Agent :  XXXX     XXXX   Company : TJmax Issue : closed my account involuntarily due to previous delinquencies even though account was paid current in  XXXX .   XXXX   confirmed the company did not issue a notification to me or contact me to advise. Company did not allow me opportunity to rectify and/or opt into auto pay to ensure payments are received timely to prevent future delinquencies

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 12-04-2017 about Debt collection (Credit card debt) with Michael & Associates, PC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XXXX received Notice of Levy from XXXX XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (I do not know) with Credit Bureau Services Association (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. On XXXX XXXX, XXXX creditor 's attorney responded claiming they had sent verification, and consumer responded on XXXX XXXX, XXXX stating that they had not received verifying documentation. It has now been over two months, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personally identifiable information, including my social security number, according to Experian, was stolen from their system. The had set up a website for consumers to check and see if their data was on " the dark web ''. They required me to put in my name and part of my SS #. When it came back indicating I was a victim I clicked on a link to go to their free credit monitoring and insurance site that only provides one year of coverage for free. The enrollment requires me to waive my right to sue and to commit to arbitration. 

The loss of my social security info is a life long exposure to credit fraud and the one year of protection is inadequate. I do n't want to enroll in their service, which I believe they are required to provide, because of the waiver. I understand the waiver is not related to the current breach but to the service they provide under the monitoring and insurance. It is a huge disadvantage for me to have to arbitrate with them if they screw up again on the monitoring or insurance. I need to have the right to be in a class action suite if there are issues.

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 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The Information listed on Transunion 's for both me and my husband 's credit report, list an address that is not, nor has ever been mine or my husband 's address. The address reported on Transunion 's Report is XXXX CO XXXX. 

Please correct our report by deleting the above address from XXXX our reports. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently have XXXX loans that were originally taken out with XXXX for XXXX aka XXXX, fast forward they are currently being serviced by navient. for the last XXXX years I have been repaying them under the income based repayment plan. just recently we renewed the terms and agreement, come to find out they have been harrassing me and threatening to purse legal action because I 'm currently XXXX days past due. they have been removing the agreed amount out of my account yet they are only applying it to the original amount that I could n't afford and they have been calculating interest and damaging my credit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian make wrong record in my report, I have disputed them, but they dont give me proper investigation XXXX - # XXXX : XXXX XXXX mistakenly taken me out of the deferment and reported me as XXXX late for over 121 days.

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 01-10-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Closing/Cancelling account

Complaint: I have contacted capital one numerous times. Unauthorized payments they took out of my account. I have fraudulent chargea on my statements

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Medical) with Receivable Solutions, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My partners daughter 's hospital bills were sent to collections in my name. We tried to get it fixed and nothing happened. Legally I do not have rights to her.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Transunion dispute letters and Fraud Affidavit informing them that I was a victim of identity them. Someone use my information without my knowledge. I have disputed this claim many times with Transunion. They have stated that XXXX XXXX XXXX has verified this information. Which is ironic because I ca n't get them to send me any information with regards to this account. This account is not mine so I will like for Transunion to remove this information from my credit file.

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 01-04-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For most of my life i 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that i did n't open. They are all over the XXXX XXXX XXXX area and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not like I used it anyways but still I do n't have a good start. I went on line a couple times to dispute stuff and nothing happened. Since having my report ran and talked with the federal trade commission they advised to submit documents to credit bureaus and negative source who is reporting. and to keep responses and when it was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax deleted my creditor XXXX XXXX XXXX and XXXX account that was opened in XXXX 1993 and is current and paid as agreed. 

I did not dispute this account for removal or fraud. I want Equifax to reinsert my XXXX XXXX XXXX and XXXX account in good standing, paid as agreed with no negative activity. 

I want Equifax to stop merging my credit report information with other peoples information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Credit card debt) with NORTHLAND GROUP INC (CO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: After writing to the company and informing them that I was only to be contacted via mail, not only have they continued to contact me, but they have begun to call my elderly father and discuss details with him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2015 about Mortgage (Conventional fixed mortgage) with ZIONS BANCORPORATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: National Bank of Arizona and their servicer XXXX have denied all my requests for a loan modification. The facts indicate they are not evaluating my request for all possible foreclosure prevention programs, esp. HAMP for which I qualify. Instead, because I have substantial equity, they are only evaluating my requests for reinstatement, which is the only foreclosure prevention measure for which I do not qualify.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: LVNV Funding / Resurgent XXXX never gave me written notice of collection efforts. They called but I told them this was not my debt and that I never had this account. They then proceeded to report the debt to credit bureaus without allowing me any verification of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They have called XXXX times since the first of the year. It is a robocall and they want you to call them back.

Company response to consumer: Closed with explanation