milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/28/2016 about Debt collection (Medical) with Financial Corporation of America (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: The XXXX XXXX XXXX XXXX issued by Synchrony Bank added a " Card Security '' fee with it describes as : " Optional Card Security - Up to {$10000.00} protection on your credit card. With the optional Card Security program, your account balance up to {$10000.00} may be cancelled. '' I never intended to purchase this product and certainly never knowingly did during the card application process. As I understand it the product charges XXXX dollar XXXX XXXX cents ( {$1.00} ) per XXXX XXXX dollars ( {$100.00} ) for an APR of roughly 20 %. No indication of the charge for the insurance is mentioned in the description that I click on the card payment splash page. Furthermore, The Synchrony Bank website did not make it clear if where or how it could be cancelled. I found the 3rd-party insurance service provider 's phone number and cancelled and was told my last charge would be refunded but a less observant customer could have unknowingly been paying for this unwanted service.

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 07-10-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm pretty sure these XXXX accounts are n't mine but it wo n't let me redispute because it says it 's been verified already.

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 03-08-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (SD).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I were approved for a mortgage in XXXX. We were facing forclosure and abandoned the house in XXXX XXXX. Lender was notified that we were vacating the property. A sheriff sale was set for XXXX XXXX, but was postponed for unknown reasons. On XXXX XXXX, XXXX we were served papers. My complaint is that we could be close to purchasing another house after five years, but US Bank has delayed the process to an extent that is unacceptable. Five years later and we are finally getting closer to being able to put this behind us, when all of this should have happened after we abandoned the property.

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 01/24/2016 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (CO).
Issue: Taking out the loan or lease

Complaint: In 2012 I bought a car from a company name Carhop, which was a lemon their contract mechanics would make some lame excuses on not being able to fix my Van, that I purchased. After all the XXXX I been through under the magnuson and Lemon law I was able to get half of my money back. After looking at my credit score from different sources although it was paid off at wholesale my credit showed derogatory marks on it, and that is false, and I dispute this allegation. I always paid my that Van on time. This company is hurting my credit score.

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 02-04-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Closing/Cancelling account

Complaint: Without notice or prior warning, Citi closed my credit card account. I had no balance and was a faithful customer for over 15 years. Upon learning this I called the morning of XXXX XXXX to dispute this decision. I asked to speak to a manager and was notified I would receive a call within 24 hours, perhaps the same day. More than a week later, I 've heard from nobody. Poor service and treatment of customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was unexpectedly hospitalized in XXXX of 2015. While I work and have medical insurance, I have a XXXX child with limited income. I submitted a financial assistance packet for review to the medical billing office of XXXX XXXX XXXX XXXX for the hospitalization bill. It was reviewed, accepted and the account was closed and settled in full. During the process XXXX XXXX XXXX XXXX had sent the bill to Collection Consultants of California, and retracted it the same day. I have called Collection Consultants of California and notified them that the account was settled in full. I have also provided CCC with proof of this via fax ( with confirmation ) of my notice of account settlement letter from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has called them twice on my behalf in an order to close out the account. Collection Consultants of California has continued to harass me regarding the debt, they have not properly closed the account although it was settled in full. They have now sent the debt to my credit report to negativity affect my credit. They are unlawfully harassing me, and will not remove the account from their files although it was paid in full. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NE).
Issue: Managing the loan or lease

Complaint: We paid our car off on XX/XX/2017 Hyundai Finance still has not released the title and every time we call they say they will send an email to the title department.

Company response to consumer: Closed
Consumer complaint received 06/20/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Getting a line of credit

Complaint: for the past week I have been attempting to either have my prior membership re-established or file a new application as a member of Navy Federal Credit Union. i have spoken to agents on the phone as well as using their online application system. After filling out online form I received an email stating that I needed to complete the application process by logging onto the website. And despite entering the user ID, password and application ID I was given I keep getting denied access with a message, " unable to locate user ''. The phone conversation ended with, " It must be updating the system. Try again in 1 -- 15 minutes. Indeed, I 've been trying again for hours with no success. These XXXX must be XXXX XXXX if they think we have hours to waste on such nonsense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Medical debt) with Capital Accounts, LLC (LA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Capital Accounts has been hounding me by calling repeatedly from disguised numbers, and through different agencies to make contact with me, after I have told them to never call me again. Today they called my home phone number and discussed my medical bills with my wife and attempted to pressure he to give them a Credit Card number for a debt that I have checked with the Medical Provider and this debt was paid. 

I have never given them permission to discuss my personal medical records with anyone, and feel this is just another type of harassment. The Bill which they are referring to is from a medical procedure which took place in 2012.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Agency keeps calling me stating I owe them money for an account that they state was sold to them. I believe the debt not to be mine and am requesting a full validation of debt, original signed agreement with original company, and full list of all charges that were made.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (I do not know) with Northstar Location Services, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Moved and received new phone number and debt collection is a nuisance

Company response to consumer: Closed
Consumer complaint received 03/18/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has repeated attempted to collect a debt that is not mine. It has been disputed, when they are unable to provide documentation, they remove this from my credit report. Then a week later, they add it back on to my report, with no additional information. It has also come to my attention that they are not legally authorized to collection debts in my state of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: A year ago I disputed many incorrect statements and negative collections on my credit, they were my ex husband 's. I recently tried to qualify for a house loan and was informed I had too many disputes on my credit report that should have been removed with in 60 days. She informed me that she is not willing to help me until all are removed and we see if my credit goes up or down. Please help me, this has been my dream, to own my own house, that no one can take away.   Thank you

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 11/28/2017 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 status incorrect

Complaint: Experian and XXXX credit companies are not updating my personal credit that I have disputed and that Lenders such as XXXX/XXXX XXXX, XXXX XXXX and XXXX have disputed on my behalf. XXXX XXXX mortgage disputed my loan so that Experian and XXXX would update it to a " In good standing and up-to-date account. My student loans held by XXXX and XXXX XXXX have XXXX balances and have been dismissed due to my XXXX XXXX. Also, they will not update and remove old information from my report such as what XXXX has done. XXXX is working on my report but Experian and XXXX refuse to update my credit and give me an accurate credit score. In fact I am unable to get a credit score from Experian. Please help me with this issue.

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 09-06-2017 about Debt collection (I do not know) with Ballybunion Enterprises, Inc (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: XXXX XXXX XXXX, sued me out of state, and I had 2 judgments filed against me. I had to pay 4 times the amount for what I owed them. I did n't even know I was being sued by them until I was it with a judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Credit card) with Citi Management Group, LLC (SD).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have received numerous calls from this company. They do not ever say it 's an attempt to collect a debt, they call me after requesting them not to, and they are harassing and bullying. I asked for proof of the debt and got an email stating a XXXX card and an amount, but I have not been contacted about this debt at any point in the last 5 years. I have no knowledge of actually owing this debt. They tell me they will contact my HR/payroll department at work and take my wages, although there is no judgement against me for this supposed debt. They have stated this over and over for the last month and no action has ever been taken. It appears they simply want to harass people into paying without proof. I have also asked them to not contact me and they still do. When I question their tactics or way of doing business, they hang up on me and call back later.

Company response to consumer: Untimely response
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've disputed the information with Transunion, XXXX, and XXXX about duplicates listed on my negative account regarding student loans. One loan is listing for only XXXX $ but is clearly a part of the loan with the same account number and open dates. There are other student loans from Dept of Education/XXXX with the same everything thus, listing that I have XXXX negative accounts when there should only be one. This is really hurting my credit score and I ca n't get the Dept of Education ( since the loans are no longer with them ) nor the credit bureaus to correct this information.

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 07/16/2017 about Debt collection (Other debt) with I.C. System, Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: in XX/XX/XXXX  I purchased a puppy and took him to   XXXX   XXXX   XXXX   during the visit I was asked if I wanted to purchase puppy insurance which was {$35.00} per month, I was only able to use it once because the vet stopped working for   XXXX   in  XXXX  or  XX/XX/XXXX at both locations in my area. In  XX/XX/XXXX I had to get rid of the puppy due to unforeseen circumstances and was still being charged. I received a call in  XXXX  from one of the  XXXX  reps requesting payment where I informed him that I no longer had the puppy, he stated that I was still responsible for the insurance even if I did n't have the dog at that time it was only {$150.00}.   XXXX   XXXX   XXXX   and IC systems are reporting on my credit reports that I owe them {$630.00} dollars as of  XX/XX/XXXX . How did the payment go from {$150.00} at the time that it was reported that the puppy was no longer in my possession to {$630.00}. If you calculate the amount of payments by 12 months it does n't come out to what they are trying to collect. They should not be allowed to continue to charge people for services they CAN NOT provide, or try to over charge for services that are no longer needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My daughter has student loans for my undergraduate education at the University XXXX XXXX. There originally were secured through XXXX XXXX, but are now served by Navient. She is in XXXX school, and I am paying interest on the loans under she finishes her education. I am XXXX month past due on interest payments. In response to a phone call, I told the callere that I would be making a payment within a week. Despite this, I and the loan guarantor, continue to get XXXX or XXXX phone calls a day, plus numerous emails.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 've tried numerous times to obtain my trans Union credit report and keep getting returned to the same page to re-click the continue button. I Received my report, but when I attempt to dispute information, I am given the run around and not allowed to access the dispute site. also, the Items I 've been disputing have been disputed before because they were part of my husbands bankruptcy and discharged under case XXXX XXXX.7 by United States Bankruptcy Court Judge XXXX XXXX XXXX XXXX And the creditors have failed to aknowledge the discharge order, dispite sending them numerous letters and disputing on the trans union site. I live in a co-debtor state and all of the debts in question were incurred while married. Yet, all attempts to rectify the situation have failed. My husbands lawyer only says keep mailing or file bankruptcy yourself. That some creditors will not recognize the bankruptcy as far as co-debt and the only way to get them to stop is to file bankruptcy myself. I should n't have to and do n't want to do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015, I opened a Citigold checking account with an offer that stated I would receive XXXX XXXX miles ( worth approximately {$500.00} ) after meeting certain criteria. I then met those criteria and confirmed with a Citi representative via secure message. I was told to expect the XXXX XXXX XXXX miles by the end of XXXX. During this time I was charged three monthly service charges of {$30.00} each. Now after confirming the promotion was applied to my account, confirming that I had met the requirements for the promotion, and confirming they would be depositing the miles, Citi is changing their mind. They have decided to investigate if I was targeted for the promotion. I have waited over three weeks to hear about the investigation but they have not contacted me. Over the past six months, Citi never said anything about needing to be targeted for the promotion. I have {$90.00} in fees which will continue monthly during their investigation, and I do not have the XXXX XXXX miles that they confirmed I would receive. It 's not right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope Citibank will honor the promotion they already told me I qualified 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 non-monetary relief
Consumer complaint received 11-07-2015 about Credit reporting () with Kenneth, Eisen & Associates, Ltd. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: im in the process of identity theft from my family members using my ss number and drivers license which they had no permission to use in the first place!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I tried to dispute their errors of their investigation online and I can not. I already sent them documentation proving my identity. 

( 1 ) XXXX XXXX should not have any balances or histroy it was discharged in bankruptcy. No Activity past filing date of XX/XX/2015 and no erroneous reporting. See XXXX report and letter from XXXX. 

( 2 ) XXXX XXXX XXXX and written off prior to filing no balances or history, or payments should be displayed charge off prior to filing see XXXX. 

( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX not included in Bankruptcy and re-affirmed. 

IF the accounts can not be correctly verified by them from the Furnisher, then they should delete. XXXX states they did not report the late payments in Balance History which means that the erroneous data is being inserted by Experian in violation of the Chapter XXXX discharge. Delete any balance history and ensure that the XXXX XXXX is showing the charge off date from last year as in XXXX Report. As far as XXXX there should be no balances or pending payments reported past the filing date. XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2015 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Late fee

Complaint: I have a business credit card with Wells Fargo bank. XXXX this year they have held my payment until it was past due and then charged me a late fee and finance charges. The statements in question were due on XXXX/XXXX/2015 and paid on XXXX/XXXX/2015 and XXXX/XXXX/2015 and paid on XXXX/XXXX/2015. On both occasions I called and complained because it appears the payment I make are being held until the XXXX of each month, before they process them and I am told on XXXX occasions that is when they were received. I live in XXXX and the processing for Wells Fargo is in XXXX XXXX. Mail service generally takes 3 days for delivery between XXXX and the XXXX, yet some how no matter when I send the payment it is not processed until the XXXX of the month. Wells Fargo has denies any wrong doing, but has refunded the late fees, but refuses to refund the finance charges of {$3.00} and {$1.00} from these XXXX incidences. I have had enough of this banks practices and hope your agency will look into these questionable practices. They have told me I could give them access to my checking account so they can make direct withdrawl of funds or I can pay the bill at one of their banks, but they do not recommend sending a check through the mail anymore. I should not have to go out of my way to make these payments because of their practices of holding payment checks until the XXXX of the month even though it was sent in plenty of time before due. I have XXXX accounts with Wells Fargo and I am going to seriously consider changing banks after 20 years of banking with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation