milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Sale of account

Complaint: Years ago I applied for and received an XXXX XXXX XXXX branded credit card. When paperless statements were made available, I signed up. I always had at least 2 years of ELECTRONIC statements available to me. One day, XXXX CANCELS my XXXX XXXX card with NO WARNING and switches to Citi Visa. I have made XXXX requests on the Citibank site to retrieve my credit card statements from XXXX XXXX to XXXX XXXX. The website says the statements will be available in 48 hours. They are NOT. No email. No notice. It 's like my entire history of XXXX XXXX has been wiped 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 08/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: dispute # XXXX XXXX : Spoke to XXXX XXXX on XX/XX/XXXX regarding damaged items that arrived from XXXX. She informed me I had to send photographs and emails exchanged with the vendor of the damaged merchandise. She gave me a fax number to do this. I faxed the photographs to XXXX. I faxed to XXXX the emails I had sent to XXXX. This occurred in XX/XX/XXXX. I spoke to XXXX representatives every subsequent month, regarding the late fees and interest -- I said that since I had an ongoing dispute, these needed to be removed. Every month, they were removed by a XXXX representative, because there was an ongoing dispute. I spoke to representative " XXXX '' in XX/XX/XXXX, regarding the dispute. He also removed that month 's late fees and interest, and told me the dispute had been resolved, and my account was just awaiting reversal of charges from the dispute department. I called again in XX/XX/XXXX -- spoke to " XXXX, '' was told the dispute had been closed in XX/XX/XXXX. This is obviously a lie -- I have spoken to several representatives since XX/XX/XXXX who told me the dispute was being worked on and was open, and finally, that it was resolved. Every representative I spoke to told me the dispute was open and that they would reverse the late fee and interest for the ongoing dispute.

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: When I got my XXXX XXXX ls they still have my loan on my creit score for XXXX and it should be off by now

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have requested the removal of a Chapter XXXX Bankruptcy on my credit report. The credit bureau indicates that the information was verified and validated. I asked for proof of the information. Proof was not provided and was only advised that it was provided by XXXX. I disputed the validity of the information after contacting XXXX and was informed that information was NOT provided to credit bureau. I again requested credit bureau to delete information and have not received response and it has been excess of 60

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is showing as a hard inquiry on my report, but I do not have an account with them and did not apply for one. I also did not recieve a letter. I am requesting that this hard inquiry be removed from all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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 receive letters at about 2-3 years home from XXXX stating I had applied for a credit card with them I called them and inform them that I never applied for a credit card with them and to please noted on the system and do not accept any applications for credit cards with them because I had no plans of applying for a credit card with them about a year later I receive another letter trying to verify information concerning another credit card I had applied for I called them again they did n't accept the credit card but nothing ever done them they when ahead and reported to XXXX XXXX that I had applied for a credit card adding 2 hard hits to my credit score, I called them on XX/XX/18 and was told they had already taken care if but I looked at my credit score and the 2 hard hits still there I want to officially file a formal complain agains XXXX and request that they have the 2 hard hits remove from my credit score, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company Nation Star Mortgage while in the process of giving me a loan modification, send me a check for {$780.00} on Fri XXXX/XXXX/15. I called and ask why was the check sent a young man named XXXX said to make my payment higher. Chec cut from XXXX XXXX Bank check # XXXX dated XXXX/XXXX/15. Nation Star Mortatage XXXX XXXX XXXX XXXX XXXX Texas XXXX. Is n't this illegal? My loan # XXXX. 
I will be sending the check back. I am writing this while I can at XXXX, for aim some how blocked durning the day time hours. I have just sent off an XXXX check for {$1100.00}. 
Please help us my husband and I. We are the XXXX at XXXX XXXX in XXXX NJ XXXX. Please write and I will call you or all XXXX XXXX. 
Thank youXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, I Contacted ALL 3 Credit Bureaus, Transunion, XXXX, And XXXX and the Creditor ( XXXX XXXX XXXX ) about an collection account showing on my credit reports that was drastically hurting my credit reputation and adversely affecting my credit worthiness.

On XX/XX/XXXX, I received a response from the creditor ( XXXX XXXX XXXX  ) that this account does not belong to them. I find that strange because they have been reporting negatively on my file since XX/XX/XXXX and as recently as this month XX/XX/XXXX as seen on the pictures attached.

XXXX  has removed this incorrect negative file off my reports as of today & I feel that XXXX   and Transunion should do the same being that the creditor has already identified this account is an error, as seen on the complain attached.

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 03-03-2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My daughter paid her mortgage payment to Suntrust ( drive-thru ) on XXXX/XXXX/2017 using a check from my XXXX account. The Amount was {$950.00}. The check never arrived at XXXX. Today my other bank, XXXX XXXX XXXX XXXX called to inform me that I had a pending overdraft and they had declined a transfer that I made on XXXX/XXXX/2017. After a lot of research I discovered that the Suntrust teller had somehow electronically sent the withdrawal to the wrong bank. The previous month 's payment had been made from the XXXX account. Suntrust has their money so they are only sympathetic and realize they have a training issue. I now have to deposit a XXXX check at XXXX, including the XXXX NSF fee before the end of business today. They say the fee will be reimbursed. 
I have spend over a half day and will have driven many miles to resolve this Suntrust Mortgage issue. I am angry and believe I should be compensated for their stupid mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Other

Complaint: XXXX XXXX offered me a {$20.00} discount on my {$330.00} in store purchase if I applied for their credit card. I applied and the discount was not taken on my purchase. I asked that the application be stopped but the salesperson said it was too late. She said I would receive a check for {$20.00} in the mail in the next weeks. A month later and still no check. I called barclays who said I would n't be receiving any points until I made more significant purchases! I asked them to take the card off my credit report and they refused. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion responded that the XXXX fraudulent accounts that were a result of id theft by XXXX wireless were verified and I needed to contact XXXX which I have did already! I have provided both XXXX and XXXX with the info from the us doj that proves I am a victim of identity theft and yet they continue to report info based on info that was a result of id theft!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Has called me at XXXX and after XXXX like XXXX or later and has called just today 5 times. Lady transfers me to another person and they are aggressive and demand me to pay the bill after telling them that they need to mail me a bill.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX began a nonjudicial foreclosure on my property based on an declaration by a person named XXXX XXXX who is identified as an " authorized agent '' of PNC. I can not find such a person working for PNC albeit I do find a person by that same name working as a Relationship Banker for XXXX Bank and XXXX in the XXXX area for the past 9 years - not PNC. XXXX : XXXX I brought this to the attention of the NWTS attorney ( XXXX XXXX XXXX who stated in an email to on XXXX/XXXX/16 that he confirmed that XXXX XXXX did work for PNC. However, XXXX XXXX would not provide XXXX XXXX 's contact information and said contact PNC. He would not explain how he confirmed her employment. PNC will not confirm her employment. XXXX ( XXXX XXXX XXXX contact information : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Late fee

Complaint: Bank Of America Credit Card is failing to give my wife and me a grace period. My wife was XXXX minutes past the due date and they charged me a late fee. After my wife complained they eventually dropped it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX put a wrongful lien on my accounts. After challenging they accepted their mistake but the negative factor still is reflected in my credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Date : XXXX XXXX, 2017 Report # XXXX Right Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not or ever was my address I have listed the right one

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX entered a payment arrangement with me, in which they were to deduct my payments. I signed and returned the information. XXXX was going through a merger at the time with XXXX. The account was not even 30 days deliquent when I set up the auto pays, next thing I know, they marked the account 120 days past due, and charged off. I am upset because this has ruined my credit, and they wo n't respond or provide ACCURATE and full details of my payment record. I have tried to work with them several times, but it seems they do n't have the records, and are placing blame on my. If you view the payment reporting to the credit agencies- you will see the account went from paid on time to 120 past due in less than 1 month. They need to remove all of this information, I have given them 2 years to work with me or fix this, and it has ruined my quality of life and availability to consumer financing I would otherwise qualify for.

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 03/20/2015 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I was first contacted on XXXX XXXX, XXXX by an Agent XXXX that said she represented Advance America PayDay Loans in XXXX, XXXX. I had received a loan from that location in XXXX and had paid on it several times until I could no longer afford it. I later relocated to XXXX. Agent XXXX had my previous address in XXXX and stated that they were filing charges to have me arrested and would be putting me in jail if I did not promise to arrange payments through my bank to her. She called me again XXXX XXXX, XXXX and threatened to have me arrested at work. I agreed to set up payments and was scared beyond explanation. I later found out that they could not do to me what they were saying and canceled my bank card to stop payment. She then called and threatened me again and I informed her that I was aware of my rights and she could not scare me anymore. I have XXXX recordings of her calls. the number that she called from was ( XXXX ) XXXX. During this time, they called my mother in law and told her that they needed my information ( they did n't have it at the time ) in order to press charges against me. After canceling my bank card, the phones calls stopped until XX/XX/XXXX. I was recently contacted by ( XXXX ) XXXX and they left a message for myself and on my husbands phone stating I was wanted for Check Fraud. I returned the call today, XXXX XXXX, XXXX, at XXXX EST to find out why someone would be calling me and saying I committed check fraud ; I do n't write checks and they had used my last name from 7 years ago. When I called, I spoke to a XXXX XXXX. He stated he was calling in regards to a check fraud situation regarding XXXX XXXX ( my bank from 7 years ago ). After further conversation, he stated he represented Advance America and was going to file charges against me and take me to court on check fraud charges. I stated to XXXX XXXX that I was aware of my rights and that I would be filing a complaint against him for threatening me in the attempts to collect this debt. Also, XXXX has a time barr of 6 years. I stopped payment on this debt XX/XX/XXXX. After our conversation, XXXX XXXX company contacted my sister in CA at around XXXX Pacific CT and made an attempt to embarrass me in order to get me to cooperate. A message was left accusing me of fraud on my sister 's cell phone. They then proceeded to call my husband 's cell phone at work at XXXX, XXXX to leave messages accusing me of check fraud and that they are beginning court action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX account from XX/XX/XXXX has been reopened and reported on credit report. After checking court docket for case - please find attached case believed to be reported. Wrong name/ amount / wrong address. This is not my debt. Case Summary XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Case Number XXXX Court Washington Superior Court Type CC - Civil Collection Filed XX/XX/XXXX Status XX/XX/XXXX, Decided Parties to the Case Show all party details Defendant XXXX, XXXX Plaintiff XXXX XXXX XXXX , XXXX Chronological Case Summary XX/XX/XXXX Case Opened as a New Filing XX/XX/XXXX Appearance Filed Attorney : XXXX, XXXX XXXX For Party : XXXX XXXX XXXX , XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Complaint/Equivalent Pleading Filed Against : XXXX, XXXX Filed By : XXXX XXXX XXXX , XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Service Issued by XXXX ( electronic receipt requested ) Serve To : XXXX, XXXX XX/XX/XXXX Service Returned Served Certified mail accepted. Party Served : XXXX, XXXX Date Served : XX/XX/XXXX XX/XX/XXXX Motion for Default Judgment Filed Motion for Default Judgment and Affidavit as to Military Service, Age and Competency Regarding XXXX XXXX filed. Filed By : XXXX, XXXX XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Affidavit Filed Affidavit of Debt and Affidavit of Non-Military Status filed. Filed By : XXXX, XXXX XXXX File Date : XX/XX/XXXX XX/XX/XXXX Order Granting Motion for Default Judgment RJO Served : XXXX, XXXX XXXX Served : XXXX, XXXX XXXX Signed : XX/XX/XXXX XX/XX/XXXX Default Judgment entered Judicial Officer XXXX, XXXX, XXXX. Monetary Award : Judgment : {$510.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : XXXX XXXX XXXX , XXXX Awarded against : XXXX XXXX Judgment Book : XXXX, Page XXXX XX/XX/XXXX Automated Paper Notice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XXXX Financial Information Financial Balances reflected are current representations of transactions processed by the Clerks Office. Please note that any balance due does not reflect interest that has accrued if applicable since the last payment. For questions/concerns regarding balances shown, please contact the Clerks Office. XXXX, XXXX Defendant Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Restitution XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XXXX XXXX XXXX , XXXX Plaintiff Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Court Costs and Filing Fees XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XX/XX/XXXX Mail Payment ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 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 have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting. XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX Credit - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE XXXX in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims. <P/>Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ; XXXX - XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief