milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My husband and I opened a joint account at Macy 's in XXXX XXXX when we were in the process of purchasing XXXX item. It was opened at the cash register and cards were not given to us. In XXXX we received a bill for the item and paid for it fully. We never received the credit cards but did n't think about it because we opened it only to purchase XXXX item. In XXXX XXXX we received a bill for {$1700.00} ( full amount of credit limit ) on the account. We had made not further purchases. I called Macy 's and reported it as fraudulent. The customer representative told us not to worry - that we were not responsible for the charges. In XXXX XXXX we received a letter stating that we owed {$1700.00} and that we were being reported to collections. We called and were told we needed to talk to someone in that department. We were put on hold for 15 minutes. We hung up. We mailed and faxed a letter with documentation with the help of a Macy 's manager on XXXX XXXX. It is now XXXX XXXX, XXXX and we have not received any response. However, we continue to receive automated calls from Macy 's. They are continuing to hold us responsible for the card. We did not activate the cards, nor did we sign for the disputed charges. We are in a cycle of bureaucratic ineptitude.

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 07-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX inquiries on my report which I did n't authorize and I have asked Transunion to please review and remove the inquires off of my file. I never authorized XXXX XXXX, XXXX or XXXX to pull my credit report. Yet, I have inquires from them reported since 2-3 years ago. I have tried to contact the bureau regarding these incorrect items and I have not received a response for my letters mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like them to do the right thing and remove and investigate these companies that have accessed my account without my verbal or written permission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
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: Order a  free trial and paid shipping and handling.  Company has  automatic charges start after 18 days and did not send any new product s. Company th en said the {$110.00} charge they charged us for was for the trial. The advertising says free trial just pay {$4.00} f or S & H. T he company is bogus and has tons of complaints on  Internet.  My credit card company of 20 years will not credit us the charges that we filed as fraud. Citicard managers do not understand they just lost a long term great client to back a bogus money grabbing compan y. Citicard  will not be used in our house again.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of consumer fraud and identity theft. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. Please remove all hard inquiries from XX/XX/XXXX until XX/XX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. Equifax and XXXX has already placed the security freeze and int the process of complying of my requests. Transunion and XXXX are INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. You will be hold accountable in court. This is not just a civil case and it implies criminal charges. Transunion and XXXX will be liable too for those criminal charges if they do n't act accordingly in the NEXT 48 hours of receiving this complaint. I DARE YOU! 

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
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: JP Morgan Chase filed a foreclosure action case number XXXX, they would not allow a modification or honor the consent agreement. What is the purpose of the Consent Orders in XX/XX/XXXX, XX/XX/XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller? What good is the Consent Order agreement if it is intended to be teeth-less.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Debt collection (I do not know) with TD BANK US HOLDING COMPANY (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the last three weeks I have been getting letters from Target for collection of moneys owed. I do not nor ever had or applied for a Target credit card. The name is the same as mine, but speaking to a rep of the co?? the last XXXX of the license numbers are not the same. Also bank refused pay on checks. So they know this person is not me. I 'm in XXXX and the acct is in XXXX.Refuse to give out any personal info of mine as it is not my debt.I would appreciate any help at this time to resolve this matter.Hoping to hear from you soon. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Customer service / Customer relations

Complaint: In XX/XX/XXXX and XX/XX/XXXX, I filed a complaint about Wells Fargo who harassed me with phone calls trying to contact XXXX XXXX ( who previously had been assigned my phone number ). I had repeatedly told them who I was. I thought the problem has been remedied, but they are now calling me several times a day again trying to reach XXXX XXXX and/or XXXX XXXX. Clearly they HAVE NOT corrected their records to reflect that my phone number is not associated with the person they are trying to get in touch with. They are calling me from XXXX several times day.

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 02-04-2017 about Consumer Loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Received a loan I didn't apply for

Complaint: Wheels Financial Group , LLC sent me XXXX for XXXX on a loan I never applied for nor received. I do not have any knowledge of this company. I have never done business with this company. This seems like Tax Fraud and Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Payday loan) with SOUTHERN MANAGEMENT CORP. (OK).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have requested they not contact my supervisor or contact me at work and they continue to do so. They have contacted my supervisor twice and call my direct line repeatedly.

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 10/19/2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: these people keep claiming that i opened an account with them I NEVER opened an account i never signed anything anyone can sign my name to look like forgery again its fraud and there still refusing to remove this account at this time i filed a police report as my attorney stated and im giving you guys once final opportunity to delete this account from my name before i file a lawsuit against your bank XXXX XXXX XXXX and call for a national boycott of the XXXX XXXX XXXX XXXX XXXX against your bank and there willing to do that there email is XXXX and go public on XXXX  im sick and tired of your XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Bank account or service (Checking account) with KEYCORP (WA).
Issue: Using a debit or ATM card

Complaint: I opened up a checking and saving account with Key bank in XXXX Washington, on XXXX XXXX 2016. I was told by the teller she has order my debit card and checks the day of opening. And that it would take XXXX 10 business days to arrive to the bank. I was called on XXXX XXXX to pick up Checks. I thought I would be picking up my debit card as well. When I went to go pick up my checks there was no debit card. I was then told by another teller that my debit card was never ordered. I request for a manager to give me a call back. But the manager never called me back to check on my concern. Then 3 days later an ATM card was issued to me that did not help with any thing but accessing my funds from an atm. At this point I never received a call from the manager to express no concern. Today is XXXX XXXX 2016 and I have not received a debit card. There was no concern shown for me nor any express of apology shown for the inconvenience about me no receiving my debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/31/2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Unsolicited issuance of credit card

Complaint: During an account migration conducted by Macy 's Retail Credit Card Services. I was unable to make my online payment for XXXX consecutive days. As a result, my pristine credit rating was impacted by what was recorded as a " late payment '' for the merchant 's inability to manage a service migration among its banking vendors. I notified Macy 's of the problem. I subsequently was read a " notice to collect a debt '' statement which never applies to me and never applies to my account with Macy 's. 
During the economic downturn, a sales associate at Macy 's opened an AmEx credit account under my name without me requesting it. This resulted in another line of credit which I did not authorize and never utilized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit card protection / Debt protection

Complaint: I purchased XXXX custom made wedding gowns from an online retailer, this retailer not only did not make the gowns to the date promised they made them in the wrong size ( making it impossible for me to wear to my wedding but also lied to my bank so that I would lose my claim. I provided over XXXX pages of proof to my bank was still denied. I bought the XXXX gowns months apart but never saw them because they were being custom made. I paid with XXXX different cards and XXXX of them already sided with me because it is so obvious that the company is fraud. Bank of America however sided with me first then changed their mine.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: A security leak affecting Equifax rendered my financial information potentially vulnerable to use by criminals who may steal my identity. There is nothing I can do to ensure that my social security number is n't used by someone years from now to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Student loan (Federal student loan servicing) with ACS Education Services (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: ISSUES WITH PROPER PAYMENT ALLOCATION TO THE PRINCIPLE BALANCE AS AGREED FOR FUNDS IN EXCESS OF THE MINIMUM AMOUNT REQUIRED. IN ADDITION ACS XXXX XXXX HAD REPORTED A DELINQUENCY IN ERROR OVER 6 YEARS AGO THAT IS STILL SHOWING IN MY CREDIT FILE AFTER MULTIPLE DISPUTES THAT HAVE NOT RECTIFIED THE MATTER. THANK YOU FOR YOUR TIME AND EVERYTHING THAT THE CFPB IS DOING TO HELP REMOVE FRAUDULENT PRACTICES FROM THE SYSTEMS YOU OVERSEE.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Also violating FDCPA by reporting a closed account as " open '' thereby negatively impacting my credit score. Firm refuses to remove inaccurate offending data reporting from my credit file after repeated communications form me demanding same.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Debt collection (Other debt) with SECURITY FINANCE CORP (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Damage 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 01/26/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Every day they call from a new number, after the previous one is  blocked, and i inform them i have written them to stop contacting me. They are harassing me and even calling me at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2015 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a credit card listed on my credit report that is not mine. It belongs to my ex-husband. It is the credit card with XXXX XXXX visa. I do n't even have a credit account with XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, First of all I want to report that a notice of default has been recorded by XXXX at our XXXX XXXX County Recorders Office on my property located on XXXX XXXX XXXX XXXX, CA XXXX. Their is a projected sale date schedule for XX/XX/XXXXI have repeatedly sent several letters to dispute the alleged debt and validity of the recorded documents recorded at our XXXX XXXX County Recorders Office to XXXX, XXXX XXXX AND XXXX XXXX. These XXXX ENTITIES HAVE FAILED TO VALIDATE, MUCH LESS VERIFY AND AUTHENTICATE THE ALLEGED DEBT. Moreover, these XXXX ENTITIES continue to violated my consumer protection rights pursuant Fair Debt Collections Practices Act ( FDCPA ) and Truth in Lending ( TILA ). See enclosed Notice of Default served to me by XXXX XXXX. 

These is a list of letters I have served these entities via certified mail and faxes ( Attached ) :1. XX/XX/XXXX : Notice of Dispute and Demand for Verification letter certified mail served to XXXX. 
2. XX/XX/XXXX : XXXX XXXX XXXX XXXX Disputing and challenging validity of recorded instruments and assignments at our XXXX XXXX County Recorders Office. 
3. XX/XX/XXXX : CALIFORNIA DEPARTMENT OF BUSINESS OVERSIGHT COMPLAINT against XXXX and XXXX XXXX. 
4. XX/XX/XXXX : Notice of Non-negotiable Non Transferable NOTICE OF DIPSUTE applicable to all successors and Assigns, served to XXXX and AFFIDAVIT REQUEST TO XXXX XXXX XXXX, XXXX VERIFYING AND VALIDATING ACCOUNT # XXXX, as a matter of law and equity. 

5. XX/XX/XXXX : Demand for Debt and Validation of Proof of Claim served to XXXX. 
6. XX/XX/XXXX : Cease and Desist and Notice of Invalid Instruments : Trustee in foreclosure liable for damages under California Homeowners Bill of Rights. Served to XXXX and XXXX. 

PLEASE NOTE that XXXX County Civil Grand Jury here in CALIFORNIA just released an audit conducted ( enclosed ) by XXXX XXXX " INTEGRITY OF LAND RECORDS IN XXXX COUNTY '' where it uncovered the same allegations that I have been alleging and also concurred with the violations addressed by California Homeowners Bill of Right. 

I 'm demanding that these XXXX ENTITIES, XXXX, XXXX XXXX and XXXX XXXX to identified themselves, to validate and respond to the above requests along with AFFIDAVIT of AUTHORITY TO CARRY OUT A NON-JUDICICAL FORECLOSURE. All I 'm demanding is just fair treatment according to my consumer protection rights under FDCPA and TILA so I can work out an amicable resolution with the legal and lawful authorized entity. 
I can be reached at XXXX XXXX XXXX XXXX. 

respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (CA).
Issue: Struggling to pay mortgage

Complaint: About 14 months ago, I had unexpected injuries that put me in the hospital and unable to continue working. I reached out to Citi Mortgage to explain my situation and submitted documents/financial information in hopes they could help me get back on track. I did send in documents but the lender kept asking for more and more information and it felt I was continuously sending in document after document, although I had already sent them in. At no point during the review was I provided a designated point of contact and eventually the review was closed because they stated I did not send in all the documents when I in fact did. I reached out to Citi again recently and they advised I had one day to send in all the information again or the foreclosure would proceed. That put a lot of pressure on me and there was no way I was going to be able to send in everything that day. I am now facing a foreclosure sale date in 4 days and out of options..

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 05/13/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Problems caused by my funds being low

Complaint: I was notified by Bank of America that my account balance had gone below XXXX. I knew there was over XXXX left in the account so that did n't make sense. I pulled open my account online and it showed that I was over XXXX overdrawn. The previous day I had written a check for XXXX. It was used to pay a loan at a different banking institution. In my Bank of America account I had over XXXX in the account so there was plenty of money to cover it. When I called Bank of America they said that they could see the check that was trying to clear and could see that it was for XXXX, but it was being processed as XXXX dollars. Extra XXXX somewhere. I asked what to do. Was transfered to a manager. The manager told me that if I brought in the extra money before XXXX that I would not be charged an over draft fee. She said she did understand that the check was not for a XXXX and that it was only written for XXXX, but the banks policy was that I would be charged an overdraft if I could not cover the check with additional funds. She said to call the other institution when they opened and talk to them and in the mean time they were returning the check. I asked her to at least waive the fee for overdraft and she said she could not. She said that to get the fee returned to my account I would need to call the next day and see if they could deposit the over draft fee back into my account. It makes no sense to charge a customer an overdraft fee when there is clearly an error between the XXXX banks. I called Bank of America at XXXX my time as soon as I saw there was an issue. They agreed that it was a banking issue and that I had not done anything wrong, but charged my account an overdraft fee anyway? Where has basic customer service gone in this industry????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I disputed a collection account from XXXX XXXX XXXX on XXXX, Equifax and XXXX credit reports. So far I have heard back from XXXX stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked XXXX, XXXX and Equifax to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.

Company response to consumer: Closed with explanation