milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Customer service / Customer relations

Complaint: Citi Bank Cards Customer Service has BLOCKED my accounts. 

Can not get any support fees, disputes, credits, and card retention. 

Six months of ZERO support. 

Elevated problem to Presidential Escalation and the managers NEVER responded back to solve numerous problems. 

XXXX XXXX XXXX, rudley hunup on me not willing to listen and resolve probelms. 

XXXX XXXX is a problem within teh XXXX chain of command with his bhostile attitude and unprofessional treatment.

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 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am requesting that TransUnion immediately delete the address listed on my credit file as reported and previously listed on the TransUnion Credit File : XXXX XXXX XXXX XXXX, XXXX, WA XXXX. DATE REPORTED : XXXX/XXXX/2010

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Feldman & Stern, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Feldman & Stern, XXXX XXXX, XXXX contacted me to collect an amount claimed to be due to XXXX, XXXX XXXX, XXXX for {$99.00} for amount due when my membership was cancelled. I gave written notice to cancel in XXXX 2014 and never received a request for payment until this call. Was told if I could n't provide registered mail receipt immediately that I would be sued for the money. Requested I make payment by check over the phone. I refused and was told I had to send a money order via over night mail. Until I get more information from the business I do not intend to make any payment. No amount is due based on actions I took. It could be bad practices by this health club and/or an illegitimate debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: Bank of America is holding an XXXX paycheck for more than 10 days simply for processing. There is no question of the validity of the check, its source or any account disputes that need to be resolved. They are simply holding the money that I earned hostage and now I am not able to buy XXXX for my family. These banking procedures are antiquated and preposterous. I will pull all of my money out of the U.S. banking system and keep everything in cash because I am so tired of my money not being available to me when I need it. BoA has the same procedures that many other financial institutions do and I have completely lost faith in the system. I want to be able to use my money when I receive it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Debt collection (I do not know) with Xerox State & Local Solutions, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter claiming that I have unclaimed property on a debit card account thru XXXX Bank. I have never had an account with XXXX nor havei ever heard of them. They said that if I do n't contact them by XX/XX/2016 Indiana will claim the amount. I do n't know wwhat they are talking about.

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
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with Meridian ARG Inc. (RI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Multiple phone calls from the same number ( XXXX ), upon answering, after several seconds, a recording from a female calling herself XXXX XXXX states she is trying to collect a debt, does not provide the debtors name & says since she is unable to reach me by phone, even though I have answered the call, that legal action by the police will be taken and if I do not respond they will come to my home. I called the number back, and the recording said they were Cambridge Asset Management. I called a second time & was able to reach a live person, but when I mentioned the message from XXXX XXXX, they hung up on me. I have never received any written correspondence from this company.

Company response to consumer: Untimely response
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The credit reporting agen cy ( CRA ) wa s contacted in writing via certified mail to dispute several items reporting negatively and/or incorrectly on my credit report on  XXXX   XXXX ,    2017. I n the letter I cited FCRA Sect ion 609 ( a ) ( 1 ) ( A ) r equesting physical verification of the original signed consumer contract and any original creditor documentation which is required by law. The credit reporting agency did not comply within 30 days so another written letter was sent via certified mail on  XXXX   XXXX  , 2017,   requesting the same documentation and citing the same law for the second time.     A certified letter was also sent on  XXXX   XXXX ,  2017, re questing the method of verification the credit reporting agency used to verify the accounts in question. In that letter I specifically requested a written description of the procedures used to determine the accuracy and completeness of the information and I also requested the business name, address of any furnisher contacted with the phone number. Under  Section FCRA 611 ( a ) ( 7 ), t he CRA has 15 days to provide this information or it must delete negative items reporting on the credit report. The CRA did not respond to this request so I sent another Method of Verification request on  XXXX   XXXX ,  2017, via ce rtified mail. And again the request was ignored and the negative items remain on the report.     On  XXXX   XXXX ,  2017, a t hird dispute letter was sent via certified mail to the CRA requesting they provide original documentation per Sectio n 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). The CRA  has failed to follower consumer protection laws and has ignored all requests for method of verification further violating my rights and damaging me financially.     On  XXXX   XXXX ,  2017, I se nt a written letter to the CRA explaining that the account numbers for  XXXX  of the items in question was incorrect and again there has been no lawfully method of verification and the CRA fails to maintain adequate records or any records at all to verify the accuracy of the items being reported.     The Consumer Financial Protection Bureau ( CFPB ) is fully aware of the credit reporting agencys failure to comply with these laws as detailed in the  XXXX   XXXX ,  2017, pr ess release titled Consumers continue to complain about the credit reporting industry in high numbers. As the CFPB reports for other consumers nothing has changed on my credit report.

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 02-01-2016 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Franklin American Mortgage is serving my 30 year fixed loan. Property was new construction so escrow shortage for taxes was expected. Paid for escrow shortage on XXXX/XXXX/XXXX ( total of {$3500.00} ). Received escrow evaluation in XXXX of XXXX. Was informed that funds were not applied to my account. Faxed confirmation that funds were sent on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX lender has not applied funds to my account and mortgage payment shows as much higher amount. First American has never called to update me and every phone call turns into 30 minutes and having to start the conversation from the beginning. I 've requested to talk to a manager but I simply get placed on hold until I hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent a certified lett er to  XXXX  about inquiries that I did n't authorize or recognized and I asked them to remove the inquires. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were r eporting more than once.They sent me a letter informing me that, they are not required to remove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.

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 07/30/2016 about Credit reporting () with CORELOGIC INC (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: First let me clarify that this is the same complaint statement that I 've submitted for XXXX Clarity, XXXX and now CoreLogic/ I applied for an auto loan with XXXX. The denial letter I got stated some, " whole or in part '', the reasons on how they based their decision. The reporting agencies are XXXX XXXX, CoreLogic and XXXX. The first part of XXXX reasons for denial was " could n't identify or confirm my personal information. I filed a complaint with XXXX on XXXX/XXXX/2016 stating that my information was not up to date and a collections account is not mine. Originally XXXX had stated that the dispute ( samer reasons plus identify fraud issues ) I had with them ( XXXX ) were resolved. ( results from XXXX= deleted from my credit ) and that they ( XXXX ) would contact XXXX and XXXX to do the same. XXXX and XXXX has not. Ive attached the email from XXXX, the dispute results from XXXX ( nothing was done ) and the XXXX report as to why they denied me. I have filed complaints with all XXXX reporting companies. CoreLogic, XXXX, XXXX, and XXXX My last dispute was with XXXX on XXXX/XXXX/2016 The results for that dispute were unsatisfactory. The account disputed was still listed and more importantly they have old personal information ; address, name and employment information that hasnt been updated from 10 years ago.

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 01/25/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 'm making this complaint against Experian because they are continuing to report these parking tickets and I am including documentation that proves that they are not NOT allowed to report them. I 'm including XXXX articles that support my claim and these tickets MUST be removed immediately as they are illegally reported on my credit file. 

" Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, XXXX fees or fines, XXXX, XXXX, and court fees or fines. '' These are the items that I am disputing : City of XXXX XXXX account # s XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Attached you will find my credit report, dispute letters, identification and supporting documentation. Experian has also stated that they will NOT reinvestigate 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 non-monetary relief
Consumer complaint received 02-05-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit card protection / Debt protection

Complaint: Macy 's Fraud Department contacted me by phone on XXXX XXXX, XXXX to verify suspicious charges and it turns out the charges were fraudulent. Macy 's XXXX XXXX removed a {$260.00} charge from my Macy 's store account and told me I should send a " Statement of Fraud '' to Macy 's American Express Fraud Department to remove a {$40.00} Shell Oil charge made in Delaware. I live in XXXX, FL and I have never been to Delaware. Also, I was told not to pay for the {$40.00} charge. That same day, I went to a Macy 's store in XXXX, Florida and paid off my balance of {$1300.00} in cash. 

Macy 's Fraud Department told me they were mailing a " Statement of Fraud '' to my home address ( they told me they could not e-mail or fax the form ). After several calls to the department I received said " Statement of Fraud '' on XXXX XXXX, XXXX ( 1 month after the initial call ). I signed it and return it by mail on XXXX XXXX, XXXX. I called the fraud department and I was told it would take several weeks to process the fraud investigation after they received my letter. I paid my XXXX Macy 's statement balance minus the {$40.00} Shell Oil charge. My headache was just starting. The Fraud department kept saying that they did not received my letter or my fax. So, I started calling and faxing as follows : Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX Called and Faxed on XXXX XXXX, XXXX The answer was always the same : " there is no record of receiving the Statement of Fraud by either mail or fax therefore we can not investigate it. '' After losing my patience, I sent a copy of the " Statement of Fraud '' to the Fraud Investigation Department by XXXX signature required on XXXX XXXX, XXXX and it was delivered and signed for on XXXX XXXX, XXXX. Afterwords, 3 months after the initial call, I called the fraud department and after one hour on hold I was told that they would give me an answer in a few weeks. My credit is damaged, Macy 's calls me everyday looking for payment, the original {$40.00} is now over {$120.00} with interest and late charge fees. I have spent more money with calls and XXXX that I would have if I had paid the original {$40.00} fraudulent charge. 

I want to clean my credit but the Fraud Investigation Department of Macy 's American Express card is not cooperating and it has made my life XXXX for the past 4 months. I was a very good Macy 's costumer and I can not wait to close this account and never again step in a Macy 's store while I am alive.

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 09/20/2016 about Student loan (Federal student loan servicing) with Manhattan Beach Venture, LLC (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had been on-line looking for a way to get student loan relief. Found a website and phone number for Student Loan Relief Department. I called the phone number because I thought it was a good idea, and I would get my student loans forgiven. 
I talked to a young gentleman, who seemed very friendly and knowledgeable about the 'process, ' gave out a bunch of personal information, including my XXXX ID. I was told I was approved and was sent to a third-party group to get set up on payments. After finishing the phone call ; I went on-line to do a little more research, and what I found scared me. I then called my banking institution, cancelled my debit card. Then called all XXXX of the main credit reporting agencies and placed fraud alerts on my accounts. After, that I called my local police department, and submitted an incident report with them. 
I also submitted a 'notice of cancellation, ' to Manhattan Beach Venture LLC and Student Loan Relief Department , and am waiting to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Trans union is reporting XXXX has an open account with a balance of {$9100.00}. This is incorrect. This debt was discharged in bankruptcy XXXX XXXX, 2015. They do correctly show the bankruptcy but the account is closed with a zero balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Billing disputes

Complaint: Bank of America says that they offer their customers a {$0.00} liability on unauthorized charges, but they hold me responsible for unauthorized charges and are in the process of wrecking my credit by reporting me as delinquent on fraudulent charges.

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
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Consumer Loan (Installment loan) with 1st Franklin Financial Corporation (GA).
Issue: Managing the loan or lease

Complaint: XXXX Loans in XXXX Ga brought Instaloan Loans that were found to have been illegally constructed through the usage of fraud, Not truthfully disclosed charges on the truth and lending disclosure among other founded violations by the Court of law. These loans have been found to have been predatory in their lending, However, even after consulting with XXXX Loan They insists on collecting on these illegally obtained loans. They have started clients with new loan numbers, new Finance charges and new interest rates patenting the paperwork to appear like it is a new loan with XXXX when in actuality they are the same loans from XXXX that has been shut down in the state of Georgia. These loans were illegally gained and should not have been allowed to have been brought by XXXX XXXX XXXX or any other organization.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 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 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly. 
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts? 
2 ) What is the name of the person in your company who verified these accounts? 
3 ) What documents did they use to verify them? 
4 ) Please provide me with the name of that individual, their business address, and telephone number.

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