milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2015 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2014, we fell behind on making a credit card payment. We were contacted by XXXX. The original creditor is Citi ATT & T Universal XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from Citi XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I bought a house XXXX IL. XXXX In XX/XX/XXXX. My close was owned by XXXX, Then XXXX in XXXX. I refi- with Bank america XXXX. XX/XX/XXXX i receive a call from Bank America and I was told we are going to take your house. So XXXX Bank America transferred me to XXXX and XXXX for foreclose. XXXX house broken into identity thief with my home owners insurance. fraud foreclose papers blacken out and Bank America report to the credit bureau I never a payment. House taken away.

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 07/17/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: i do not want   XXXX   XXXX   to answer this complaint first answer was in refernece to wrong account.
  XXXX   XXXX   XXXX   ending in   XXXX   non profit account deactivated in   XX/XX/XXXX  last year while service fees were charged i did not know about want fees waived  and time needed to meet requirements so i want a waiver on fees. i shoud have been noticed about fee changes and deactivation. please dont respond look at statements did not get them. i should have been noticed about deactivation. no  XXXX  please do it NO   XXXX   answering this. someone else he always stonewalls

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 am filing this dispute against FedLoan due to the incorrect information that is being reported by Transunion and Equifax. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These XXXX XXXX accounts have a {$0.00} balance and they were Transferred/Sold in XXXX, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with Transunion and Equifax and I have received dispute results stating that XXXX verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that XXXX send notice to EQUIFAX and TRANSUNION to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since 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 10-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Credit determination

Complaint: I applied for a Quick Silver credit card with Capital One which is for people with Fair Credit as reported on the web site. I was declined based on information they stated is from XXXX credit bureau 's, ( letter Attached ). 
I have contacted both bureau 's that are listed in the attached file and both are saying Capital One 's information is not correct based on the reasons they list. 
After contacting Capital One 3 times asking them to please review my application again and explaining the reason they continue to decline me for the same reason as stated in the attached file and continue to state that that information they have from the XXXX credit bureau 's. 
I presently have NO past due accounts and have XXXX revolving credit accounts to include a ( Capital One 's account since XXXX ) which was given XXXX credit line increases since opened, the last XXXX was in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: CRA VIOLATION NOT MINE ID THEFT VICTIM

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Advertising and marketing

Complaint: I filed bankruptcy and it was discharged on XX/XX/2017. I signed up on XXXX XXXX and while looking around this ad from capital one pops up stating apply to help improve credit score with a {$300.00} credit limit. I 'm thinking ok ... I can use this and applied. Received card and tried to activate. A prompt came up tht there had been fraudulent activity and I had to speak to a customer rep. I 'm thinking how is tht possible since I had just applied and received card. Well this lady came on phone and stated she had to verify my information. I said I 'm confused because the card had not been activated so how is fraud possible. She said there is no fraud we just need u to verify some info so I will put u on hold so I can look up some public record info ... at b this time I 'm really confused so she comes back on and states I need to send additional info like drivers license ss card and utility bill. I asked was this because I filed bankruptcy and she stated yes so I told her u can keep the card and close the account. My issue is I feel somewhat discriminated against. If u are putting your ad on XXXX XXXX to help reestablish your credit what do u expect. Needless to say they wo n't receive my business.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Payday loan) with Coastal Financial Solutions, LLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The company was Coastal Financial Solutions who continued to call. I initially did n't recall the debt ; however, after a few minutes of research on my bank statements, I found verification. I made two honest payments on my account, which I stopped making due to financial constraints. 

There was claim by Coastal Financial Solutions that they had made numerous attempts to contact me, which I never recalled receiving. We took the payments off autopay and genuinely forgot about the debt. 

On XXXX XXXX, 2016, I received several consecutive calls from a person representing Coastal Financial Solutions, who DID NOT state that this was an attempt to collect a debt and all information would be used for the purpose. He also stated that if it was n't resolved then it could be considered a felony and possible jail time. I was then transferred to the supervisor who said the same thing. Then the call was disconnected. I have received no correspondence from XXXX, nor have I received any correspondence from Coastal Financial Solutions. I have n't received any summons to court or any legal documents. 

When asked to receive correspondence by mail, they refused, when the law states they must send written correspondence within 5 days. They considered my request a refusal to pay. They said that my lack of recollection was considered a refusal to pay. 

After a few minutes of researching bank statements, I recalled that I did, in fact, take out the loan and I am responsible for it. I called them back and spoke to the same supervisor, who said he would send a settlement agreement of approximately {$790.00} by XXXX on XXXX XXXX, 2016 through e-mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I check my credit score every day and on XXXX XXXX my credit score was at XXXX, but when I checked it on XXXX XXXX, 2016 my score had fallen to XXXX ( XXXX devastating points ). I contacted Transunion and XXXX and discovered that XXXX ( Student Loan ) reported my XXXX payment as 30 days late although my payment was due on XXXX XXXX, 2016 and I made my payment on XXXX XXXX, 2016, which is only 15 days late. I would like to dispute the 30 day late payment for XXXX 2016. 
I have attached receipts of my on time payments with this letter for the last six months. My next payment is n't due until XXXX XXXX, 2016, so a receipt for that payment is not included. I am preparing to purchase a home for me and my daughters and am devastated by this set back after proudly watching my credit score rise over the last six months. 
Today, XXXX XXXX, 2016 my score rose by XXXX points to a high of XXXX with Transunion. I have no recent late payments and these credit reporting bureaus are playing with my credit score raising and dropping my score as they see fit. I spoke with the credit bureaus and they provide very limited information. I also spoke with XXXX, my student loan provider and they have confirmed that I do n't have any late payments with them. I have gone through my entire credit report and there are no recent missed/late payments that would 've caused my credit score to drop. This situation bothers me even more today than it did on XXXX XXXX, becase my score rose XXXX points today and if if the credit bureaus had not dropped my score on XXXX XXXX I could be well on my way to almost a XXXX credit score. I really need assistance with this because I am making all types of sacrifices to make sure my payments are on time and I am trying to change my life as well as teach my teenage daughters about credit in the process. Please help me with this i beg of you!! 
Also, on my credit report it shows that I did n't pay the full balance to XXXX for a XXXX XXXX account I had. I have attached receipts to show that the account was paid in full. 
Please let me know if you need any additional information to expedite this request.

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 07-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: According to my credit report there are XXXX payday loans XXXX for {$700.00} and another for {$750.00}, on my report, after disputing both of these items the amounts owe went from the above amounts to {$13000.00} for XXXX and {$14000.00} for the other.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just discovered that I 've evidently slept walk through a buying a car and mortgaging a house. I rent and my car is 15 years old. How the XXXX do I fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On XXXX/2017 I made a payment to ATT Universal Card for {$750.00}. There site reflects that this payment was made, decreased my credit limit and this payment has already cleared my bank which is XXXX XXXX on XXXX/17. However ATT Universal Card has yet to credit my payment and stated that they put an arbitrary hold on my payment because I have " not made a payment that large before '' which is not true as I have had this card almost 20 years and have made payments that large before. When I called to speak to a supervisor I spoke with 2 account managers both of which refused to receive any documentation of my proof of payment and also requested that even though I made the payment, even though it cleared my account that I still had to call them back in 4 hours so that they can " verify '' with my bank that they payment was made. I informed them they I would be more than happy to send them a copy of the cleared transaction from my bank and they refused to accept this information. I offered to provide them with the confirmation numbers for the transaction and they refused to accept that also. I consider taking a payment that has cleared a customer 's bank but then refusing to release that payment to the customer and refusing to accept documentation of that payment and forcing the customer to " call back '' in order to credit for a payment that was already made is robbery. Neither account supervisor was helpful and matter of fact both had the tone that it was my fault that the payment was held when they do NOT inform you at the time of payment that they will place a hold on any payments especially those that have already been drafted from my bank. I have had MULTIPLE issues with the credit card company holding charges and not releasing charges for over 14 days. The public needs to be aware of their predatory and in my opinion CRIMINAL tactics.

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 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've never had XXXX. The services were turned on without my knowledge or consent. I 've been fighting about this bill for a long time now. Previous to speaking with ERC I had been dealing with another agency called XXXX XXXX. I told XXXX XXXX that I was disputing the bill, XXXX XXXX deleted the trade line from my credit on XXXX/XXXX/16 but then on XXXX/XXXX/16 I found the account re-reported by another agency, ERC. I called ERC today, XXXX/XXXX/16 and let the rep I spoke to know that I did n't get a first notice, she confirmed they had part of my address incorrect and confirmed will resend me a letter. I do n't need a " balance due '' notice, I need a validation notice showing me where I can dispute this account, and how I can obtain validation of this debt. The rep I spoke to told me that Yes I can dispute this account over the phone and she confirmed that my dispute will be forwarded to XXXX for their review, however she told me that a request for validation must be made in writing. Again, I do n't have a first notice so I 'm unable to do so until I get that. At this point, I am beyond frustrated with XXXX and these collection agencies. This has greatly affected my credit and no one has been able to prove to me that it 's my debt. I do n't understand how/why these agencies can report this to my credit and pursue me for a bill that they can not prove is mine. I 'm going to hire an attorney if XXXX wo n't permanently delete this from my credit and stop billing me for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Struggling to pay mortgage

Complaint: From  XXXX  to  XXXX  of  XXXX ,  Borrower  made timely payments on his mortgage loan of {$150000.00}. In  XXXX , Borrower lost his normal monthly income when he was undergoing treatment for  XXXX   XXXX   XXXX   XXXX . When he realize d he could no longer make monthly payments, he submitted a comprehensive package of financial, medical, and tax documents, exactly as prescribed by Lender, requesting a temporary forbearance on monthly payments. The Lender failed to communicate effectively with the Borrower, despite numerous telephone calls attempting to speak to an employee with adequate training that would enable them to understand the facts of the situation. Several Lender clerical-level workers communicated with Borrower suggesting refinancing, a solution totally inconsistent with Borrowers medical circumstances, income outlook, and posture of being under a tax lien. Borrower wanted to discuss a deed-in-lieu of foreclosure as it relates to a federal tax lien. However, no one with sufficient knowledge of either DIL or liens would contact Borrower by telepho ne. In  XXXX   XXXX , afte r four payments were missed, Lender filed foreclosure papers in court. It is maddening that no one from Lender, with appropriate experience and authority, will contact Borrower as requested ; no one from Lender acknowledged the facts presented in the forbearance application in fashioning foreclosure alternatives ; and that Lender essentially behaved as if they were a computer program, spitting out notices to Borrower following a sequence of steps that were heedless of Borrowers circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Credit line increase/decrease

Complaint: XX/XX/XXXX or XX/XX/XXXX I bought a bed from XXXX financed thru synchrony bank. our original credit limit was XXXX. 
the terms were XXXX years no interest if paid in full. we pay each month on time and over the required amount. well ahead of schedule of the XXXX year terms. each time we pay a substantial amount they reduce my credit limit, this causes my credit profile to continually show a maxed out credit card and adversely effects my credit score, limits and interestI spoke to them and was blown off. if they continue to lower my limit to my balance amount it will continue to show a negative value on my score. this procedure they use is unfair to consumers and is wrong. my beginning score was lowerthan now but this makes it worse

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with AES/PHEAA (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting a late payment on my credit report. I believe this information is incorrect and/or is too old to report. I request that the late payment is removed from my credit report. The late payment reported is from the following dates : XX/XX/XXXX.-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Below is my account number found on my credit report : Account Number XXXX - - Account Name XXXX Account Number XXXX - - Account Name AES/XXXX Account Number XXXX - - Account Name AES/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
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: Credit company did not follow the FCRA requirement on disputing debt against my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (I do not know) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX Collection Information Bureau , Inc . 
68 years in business XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAUor any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (I do not know) with Rubin & Rothman, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a judgment being reported by the XXXX major credit bureaus. I spoke with the collection agency and was told that the judgment would be completely vacated if it was paid. The amount owed was paid however it is still being reported on my credit bureau reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TN).
Issue: Fraud or scam

Complaint: I have been a customer of unirush ( rushcard ) for about a year and a half. I have my paycheck direct deposited to this card. I had a direct deposit sent on XXXX/XXXX/15 scheduled to be posted to me on XXXX/XXXX/15 which rush card has never applied. Confirmed metabanks receipt of my direct deposit yesterday yet I do not have my money

Company response to consumer: Closed with monetary relief