milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NJ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Citibank started charging me a monthly service charge of {$30.00} on my checking account. without notice or justification. 

They said that they could return four months but not all seven months. They gave no reason why they couldn't return all of the funds. They also gave no reason why they didn't give me notice. I suspect that this is a routine business practice that is harming many checking account holders.

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 11-04-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax shows I have a hard inquiry from XXXX on my credit report on XXXX/XXXX/2016. I did not authorize a hard inquiry during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: My community there were XXXX, XXXX,XXXX these accounts were disputed because of them not being paid but they were paid in full. They kept getting negative marks and they were never late or suppose to be on my report at all. They never change it after it has been disputed. They with XXXX they wont even investigate them. 

XXXX would say that the account was corrected and verified as mine, I have never disputed that it was not mine. I always ask for them to correct the account in full. When i check the dispute notes and dates the dates are old dates as if they never looked at my accounts to even correct them. 

Transunion and XXXX never disputes in a timely manner they will respond with 2 or 3 new credit report without the dispute results stating my claim.

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 11-01-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXXa valid debt was charged off from XXXX XXXX XXXXXXXX/Paypal XXXX XXXX. I paid this in a settlement in XXXX over the phone to a collection agency. 

I contested this still being on my credit report in XX/XX/XXXX. I received a settlement letter on XX/XX/XXXX from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. When I called XXXX on XX/XX/XXXX to say I had already settled this back in XXXX, but in the interest of settlement, I was willing to pay it again if I could be ensured it would be reflected properly on my credit report, they directed me to call XXXX XXXX XXXX XXXX ( XXXX ) to ensure it would reflect properly upon payment. After repeated calls, I finally got through to XXXX on XX/XX/XXXX and explained the situation. They told me to call XXXX XXXX XXXX ( XXXX ) as they have nothing to do with my credit report. 

I called XXXX XXXX XXXXXXXX, after verifying my information and that it was in concern to a debt patched me through to some other company of which I did n't get their name due to a language barrier. The lady I spoke with told me to disregard the letter I received on XXXX from XXXX, despite XXXX telling me they were representing XXXX XXXX and that I had 60 days to accept their settlement offer. I was told XXXX XXXX has no record of them or XXXX handling this account and that I should work through XXXX hold ( XXXX ), a company I 've never received anything from. 

I have called XXXX hold and have n't been able to get through to them. When searching XXXX 's number it comes up as XXXX XXXX XXXX XXXX All of these companies, XXXX XXXX , XXXX, XXXX, they all have slews of scam warnings and complaints online for shady practices. 

This same thing happened in XXXX and my settlement payment was lost in the mix. This has already been paid off once and I fear that if I pay anyone in this matter it will only get lost again, especially since they all seem to think I can pay them and no one else. I want this account deleted from my credit report as it was paid two years ago and I 'm being scammed in an endless loop of calling other scammy businesses.

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 07/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am writing you about a response I received from MIDLAND CREDIT MANAGEMENT. I Disputed an account that was charged off on my credit reports with the XXXX major credit bureaus. It was charged off on XXXX. I am filing an complaint because Midland Credit Management is requesting the XXXX major credit reporting agencies report this account they have bought of mine that is over seven years old -- as " DISPUTED ''. They requested this as of XXXX. This Dispute is OVER 30 days old. They continue to request it as an ongoing continuous dispute. I am no longer Disputing this account as inaccurate. I NO LONGER want Midland Credit management to keep processing this dispute. It is well over 30 days past my initial dispute. I want to pay debts and resolve problems, unfortunately, MIDLAND is holding my credit report hostage to dispute notations -- - that are old disputes that should have been resolved in 30 days. Otherwise, I could pay more off with better credit reports. If they keep reporting as disputed, I will have to take legal action. I know you can assist me with this considering Midland 's legal trouble and history.They are no longer legally allowed to investigate my OLD dispute. This account is # XXXX. I am NO LONGER DISPUTING THIS ACCOUNT WITH MIDLAND CREDIT MANAGEMENT , INC . ADDRESS : XXXX, CA, XXXX.PHONE : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Vehicle loan or lease (Loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I am a   XXXX   XXXX     XXXX   recently assigned to   XXXX   XXXX   orders.
<P/>
Harley-Davison Financial Services, subsidy of Harley-Davidson Motorcycle Company, has refused to honor the   XXXX   XXXX   military orders, and keep my account under Servicemembers Civil Relief Act. All other creditors have honored my orders except for this company.
<P/>
They had initially honored the orders back in   XXXX   XXXX   XXXX  , and then terminated my SCRA terms in  XXXX , and are charging me late fees for the past two billing cycles in addition to inflating my interest rate on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Portfolio Recovery keeps reviving an account from 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MA).
Issue: Credit decision / Underwriting

Complaint: My name is not on this loan since 2005 but still on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (IN).
Issue: Money was not available when promised

Complaint: A tenant was attempting to pay rent through the Venmo app. On Thursday XXXX the XXXX, he transferred XXXX {$250.00} payments. I was credited the {$500.00} and after a few days decided to transfer them from the app to my bank account. 

A few days after, the money was still not credited despite being advised that it would take only 2 to 3 business days. When I called to check on the funds, I was notified that the tenant did not have sufficient funds for the transfer to take place, all this after being credited for XXXX separate payments. 

They failed to notify me of the insufficient funds and a today, XXXX the XXXX, I receive a letter stating that I had violated their policy and that my account had been permanently blocked. 

I did nothing wrong, except assume that they had taken out of the tenants account the XXXX {$250.00} payments when they credited my account. 

Because of their carelessness, I am now out on a month 's payment and I action is being taken against me when I pointed out their error. 

They should not have credited my account for XXXX different payments of the tenant could not even afford XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Optimum Outcomes has sent serverl invoices stating there is a outstanding balance of {$290.00}. I have reached out to this company asking for validation of this debt including a signed contract with their company, In turn I got a letter XX/XX/XXXX stating that this is all the validation they will give and that this is the last time that they will not send me any type of verification or validation. I still have not gotten a signed contract w/ this company or any identifying information that this is indeed my debt. No identifying character, DOB, SSN, account #, date of service, or a signed contract. I contacted the company on XX/XX/XXXX and spoke with XXXX. I asked for validaiton including a signed contract with this company. XXXX then stated that she does not have to prove anything to me and I need to pay this debt I then informed XXXX that I have been a victim of Idenity theft serveral times and I need validiation with a signed contract. XXXX then told me that I am a liar and that the debt needs to be paid or else and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Payday loan debt) with Weinman Acquisition Group (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On Thursday, XXXX XXXX, at XXXX I missed a call from a number listed as XXXX XXXX AL XXXX XXXX ). A lady named XXXX XXXX stated in a voicemail that they were attempting to locate me in to receive my signature on bc of a debt on my XXXX. She stated if I was n't located this would result in a missed court date. 

I immediately called the number back but it connected me to a debt collection company called Weinman Acquisition Group ( XXXX XXXX XXXX, NY XXXX ). A lady named XXXX XXXX answered and started off extremely rude. She told me that I had to pay in full then in order to not be summons to court. She gave me her direct number as XXXX. She stated this debt was from a payday loan from XXXX, a loan I do not remember and she also added their fee to the total. I told her I needed to check into some things. She immediately asked in I could put a down payment right then. I said " No, I will call you back ''. She proceeded to ask when I was going to call her back because after a certain time she could n't stop the summons. I again told her I would call her back. 

After doing some research, I found some complaints against them that said they did to others exactly what they did to me so I called back to get some more info. This time a gentleman answered. I told the gentleman that I was n't very comfortable giving my info out but he interrupted me twice and stated very rudely that I did n't have to be comfortable. 

After doing more research, I decided to not make a payment to them over the phone. They had confirmed my address so I did n't know if someone was going to show up or not. No one did, someone was home all day, and we have security cameras to prove this. I am unsure if I owe the debt but the threats and scare tactics are out of bounds.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 feel my rights under FCRA has been violated due to being denied copies of documents that were supposedly used to validate accounts and public records on my credit files. Ive been trying to resolve multiple negative student loans accounts on my credit report.   Accounts listed below :   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , KS  XXXX  Last Reported o n   XXXX   XXXX   XXXX    Balance {$1100.00}  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Last Reported on   XXXX   XXXX   XXXX     Balance {$150.00}   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Tx.  XXXX  Last Reported on  XX/XX/XXXX    Balance {$11000.00}   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx.  XXXX  Last  Reported  on   XXXX   XXXX   Balance {$10000.00}  XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , Tx.  XXXX  Last Reported on   XXXX   XXXX   XXXX     Balance {$26000.00}  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx.  XXXX  Last Reported on   XXXX   XXXX   XXXX     Balance {$8700.00}  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx.  XXXX  Las t Reported o n  XXXX   XXXX ,   XXXX    Balance  {$850.00}

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 card () with CITIBANK, N.A. (NC).
Issue: Unsolicited issuance of credit card

Complaint: Received unrequested XXXX in mail from Sears or Citibank with instructions to call a number to activate it. Card and paperwork was shredded since we had not requested the card. We have now received a bill from them for payment for something we know nothing about with a {$20.00} credit and a {$4.00} balance. We called a number provided and attempted to resolve this issue and they asked for personal information which we refused to give them. We were then referred to someone named XXXX at XXXX. He referred us to a form to fill out which included a statement that had to be signed stating that we would be responsible for various charges to resolve this fraud attempt lwhich is not agreeable. We went online and found that many people have experienced the same problem with these people and it appears to be a widespread rip off.

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 07/22/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: On XX/XX/2017 @ XXXX XXXX EST, a man contacted my roommate 's cell phone claiming to be Attorney XXXX XXXX from New York. He called from ( XXXX ) XXXX and told me that Capital One wanted to take legal action against me for an old debt and the amount I owed for the debt and restitution was around {$500.00}. He told me that I needed to pay the full amount immediately or else Capital One would take me to court and have my local government charge me with theft, fraud and possibly spend up to a year in jail. He offered to take payment via XXXX XXXX, my bank account or another credit card payment. I told him I could n't pay for a couple of days and he pushed and pushed for an immediate payment, but said he would call back later so I could try to come up with the money. I did a reverse phone number search and found that it was a non-fixed Voip number from XXXX XXXX, NY, however, when I searched for his name and business in New York, I found nothing. I did ask my roommate to call the number back to see if and how he answered the phone and he did answer " Attorney XXXX XXXX XXXX XXXX '', before she apologized and said she had dialed the wrong number. I do n't owe any old credit card debt for that amount from over a year ago and my roommate has been receiving excessive scam calls lately. The man sounded very professional and was the most believable " scammer '' I have talked to so I would hate for someone to trust and give him their hard earned money. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Unsolicited issuance of credit card

Complaint: Hi I received an XXXX Credit Card from Chase of {$7000.00} limit on XXXX XXXX, 2016. The problem is that this was unsolicited and I never applied for this card. My wife had also received a similar XXXX Credit Card a few weeks before. I have already intimated Chase - and asked for the card to be cancelled. I 'm more worried about the remarks on my Credit Report with a hard check on my credit. 

I feel that this is similar to the XXXX XXXX case of cross-sell.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My student loans payments with Navient were out of reach and a physical and emotional burden. Navient knowing my complaint and my continous struggle to pay, Navient offered and encouraged me to apply for forbearances instead of any other option. I recently did some research of my own and was angry to find there were better options available such as income-driven repayment and loan forgiveness plans., this is only after I did a forbearance for the third time. When I contacted Navient and explain my concern and my inability to pay the high monthly rates they suggested the better option to keep my loans in good standing in forbearance. she also reminded me I previously had income-driven repayment option in the past and its a one time option. How is that fair? I should be offered income-driven repayment option as long as my income is inadequate .I was never giving the option for loan forgiveness or information on how to qualify. I later find out the interest is still being added to my loan balance that now only push my loans extremely out of reach and unaffordable. My loans increased by a few thousand dollars. I ca n't believe striving to better yourself and seeking a education would be so expensive. I regret ever going to school it was the worst mistake of my life to have loans totaling XXXX and a job that pay XXXX a year. I will never be able to recover from this debt. 
Navient is a scam and because of this debt I will never experience financial freedom.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have multiple creditors reporting inaccurate information on my credit report. I have disputed these inaccuracies with the credit bureaus for almost a year since I began in XX/XX/XXXX. The credit bureaus have eliminated some inaccuracies, but there are over 5 creditors on my report in collections and reporting accounts. These creditors have been discharged through bankruptcy court and some are just not mine. The bankruptcy has been removed from my credit report, but some creditors still remain even though they have not submitted any new information to the bureaus since XX/XX/XXXX. This information is hurting my score thus preventing me to get approved for a mortgage which is crucial at this point. I have contacted the creditors and they have stated that they removed it from their files, but the credit bureaus have to do it also on their end.

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 12/28/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid XXXX credit card debts that originated from XXXX XXXX. 
Due to hardship both credit card accounts were later passed off to a collection group called XXXX. This collection agency hired a law firm named XXXX XXXX XXXX who filed a civil suit for settlement amounts and both accounts were paid in XXXX of 2012. Recently it was discovered that XXXX never reported the debts paid. If I had not kept my receipts all of these years I believe that I would struggling to prove the debts were paid. These debts were paid four years and because XXXX did not promptly report this that it greatly affected my credit. 
If I had not kept my receipts it would have been my word against them and I am certain that these debts would have showed up again for collection down the road.

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