milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I have not received promotional points which were promised by Citibank by signing up for their citigold bank account. I have message from their service representatives promising that it would be deposited by XXXX. However that has clearly not happened and their customer service representatives have not been able to help over the phone or on the web.

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 09/29/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I, XXXX XXXX makes a claim against XXXX XXXX XXXX, XXXX. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is LVNV Funding LLC . This debt buyer has been riddled with deceptive collection practices and sued by Attorney General offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector XXXX XXXX XXXX , XXXX, as well as from LVNV Funding LLC . It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The Attorney General of the state of New York had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have several times have requested Capital One and XXXX to send me documentation to how and who verified this account. I have not got any documentation but only computer generated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I am having issues with the way that Chase is handling my accounts. I recently had arrangements to satisfy a charged off account to pay {$50.00} per week and a lump sum at the end of 5 consecutive payments to satisfy the account. However, I was laid off and was not able to fulfil my payment obligations. On XXXX XXXX, 2017 Chase redirected {$720.00} to offset the amount of the charged off account which were funds to be used to make my monthly rent payment. I immediately called Chase and spoke to a representative named XXXX who stated that she did not have the authority to redirect the funds to my account. I was then transferred to a Sr. Representative by the name of XXXX . I explained the severity of the situation and even made the necessary arrangements needed to get those funds back. This dilemma could cause my rent payment to be returned and my leasing company to file eviction. Chase did not seem to care and told me that due to their policy that I could only receive half of the funds back in that respect. I asked XXXX to process the return of the funds as she stated and that I will visit my local branch. 
I stopped by the Chase branch at XXXX XXXX XXXX, XXXX XXXX, TX XXXX and spoke with a banker to try and get further assistance. He did advise that there was nothing he could really do but would call the recovery department on my behalf. He spoke with a Representative name XXXX who was very helpful. He agreed to credit some fees to another account that I had to assist, however, he could not override the arrangement from the previous representative, XXXX. 
Needless to say, my rent payment is pending and could possibly be returned and now I am short {$220.00} for that payment and risking eviction. These policies are not in written in Chases verbiage to advise a customer that funds from your current account can be offset to an account that charged off 2 years prior without your knowledge. 
I am requesting my full refund of the fees that were deducted from my account. Immediately as this has caused a considerable hardship that Chase does not care about..

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for a student loan in XX/XX/XXXX and was approved in XX/XX/XXXX for income based repayment. my payment was for XXXX . every month there were issues of the repayment not being applied to all of my loans, building interest on forbearance. this has happened many times with in 1 year. then they had me repay the loan and make payments out of the blue. when I call I am assured everything is fine. I am again being charged too early for my repayment plan. I am tired of the lies and the extra interest this company is making off of me for their errors. that is fraud. I have just renewed my repayment plan last week as I was told it renews in XX/XX/XXXX. I am being charged as of XX/XX/XXXX. I call all the time to correct the problems and they tell me its all fine but it never is and I am not happy.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: i went to use my credit card and it was denied. when i called the bank they said a piece of mail was returned so they blocked the account, i asked for a copy of the returned envelope i was told they shredded it. how can you block an account and not retain any proof. i would like to see if the PO returned or someone in my household returned it dont i have that right. is the banking industry immune to keeping evidence?

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: YOUR COMPLAINT My credit score fell from  XXXX  down to  XXXX  because a company by the name  XXXX   XXXX   XXXX  hard inquiry was removed by Equifax. Equifax on their prerogative removed the negative report from my file. This reporting agency now penalizes me by shaving off  XXXX  hard earned points from my credit score. Equifax  Credit Reporting Agency is p enalizing or deducting points from my credit twice for the same action. The activity was performed on  XXXX   XXXX ,  2017. C redit  Reporting Agency h as continue to penalize my Credit score frequently for actions that I have no control over. Their response is always that, they have a mathematical calculation that effect these double punishment/score deductions for the same offens e ( hard inquiry, and the hard inquiry being removed from my credit report by the Agency when the stay period elapses ).    Equifax is a victimizing credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (RI).
Issue: Problems when you are unable to pay

Complaint: On XX/XX/2017, I went to XXXX to purchase a blender. XXXX offers the option of utilizing Paypal creditl to purchase the blender interest free for 12-18 months. I applied for credit and was provided a {$3000.00} credit limit, way more than I needed. I attempted to purchase the blender and received an error. I called Paypal and talked to Security so they could verify my identity. Upon completing XXXX questions, I was told by Security that I was all set. If I have any other issues it is Paypal proper and not them because they have their own process. Again, I attempted to purchase the blender and even though I chose to use my Paypal credit account the purchase would not go through. I contacted Paypal again and was told that for security reasons, I could not use that credit until I had made other smaller purchases. Purchasing the XXXX would only utilize XXXX % of my credit line which is not a lot. Also, in the Terms and on my available credit it does not say that the whole credit line may not be available to me. I can only assume that they were trying to force me to make interest bearing payments. I asked to speak with a manager and was left on hold for 40 mins before I hung up. On XX/XX/XXXX, I again tried to understand why I could not make the purchase. After talking to XXXX different people, including XXXX managers, no insight was given and I was told I would have to use an alternative payment method. The last person I spoke to was a manager. I explained the issue and told him I thought this was deceptive as I believed they wanted me to make interest bearing purchases before using my interest free credit. I asked for my account to be closed and my information to be deleted. He responded by hanging up on me. I then tried to contact their privacy department to ask for my information to be deleted and was not provided an easy mechanism to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Yesterday XX/XX/18 after a XXXX search I saw a Transunion offer for a free credit report. I signed up and entered my credit card number thinking this was merely a verification of identity to receive the credit report. Nowhere in the sign up process did it say that I was signing up for a credit monitoring subscription and nowhere did it say there would be fees charged. It also did not say that the fee charges would be recurring at {$19.00} per month on a " til forbid '' basis. This is inexcusable, especially for a supposedly reputable credit reporting agency. 

I called today to cancel the service and that was accomplished ( they required me to sign in to do this ). I did not know they had signed me up for a credit service and I did not use that service ( the credit report offer did not mention the service or the fees ). The Transunion rep did not disclose that there was a {$19.00} charge already made against me credit card and would not have reversed it if I had not asked if there were any charges already placed against my credit card ( I am still awaiting the reversal verification ). By disclosing this initial charge during my cancellation phone call and not offering to cancel it ( less than 24 hours after inadvertently signing up is another effort to retain funds that were initially gotten through deception. 

For tracking purposes, the phone rep gave my cancellation number as XXXX. 

Please sanction them over this bait and switch tactic. 

1. Here are two of their promotions from a XXXX search : Free Annual Credit Report | TransUnion https : //www.transunion.com/annual-credit-report 2. Click here to access your free annual credit report. With TransUnion, it's easy to order your annual credit reports from all three credit bureaus at XXXX. 
TransUnion Credit Report | Sign Up Today in 2 Minutes Adwww.transunion.com/CreditReport/2Minutes If You Have 2 Minutes, You Can See Your Score Today! There's No Reason Not To. 

Thank you, XXXX XXXX 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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: on XX/XX/XXXX a woman holding a drivers license, with my name and addresss, who 's Number that did Not match my number along with a Social Security Card, That had my name on it, But the number was not correct, went into XXXX XXXX XXXX business office and took out a loan for XXXX. This was reported against my credit and had nothing to do with me. 
I met with the NJ district manager, XXXX XXXX, who showed me these documents and i told him that these artifacts did Not Match mine.. but yet this loan went against my credit. I am working hard to improve my credit and this is quite a blow. 
XXXX did not do their job in my eyes. They checked the name, address, place of business only. 
this is a gross injustice. to make matters worse, when i contacted the number to XXXX XXXX that was provided on my credit report, they said they had no account under my name. i only found out about the theft last week when the account became delinquent. 
Please let me know if there is anything you can do to help

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 02/23/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing an account that is reporting on my credit reports that are due to identity theft. There is a XXXX XXXX account that was opened up in my name frauduantly. I have disputed this time and time again. Finally XXXX has confirmed it was identity theft and was told they are removing it from my credit report. However I just received an e-mail result from equifax stating there investigation shows that this account belongs to me. I am furious that this is still continuing and it is affecting my credit score and me in obtaining credit. I have called XXXX XXXX thousands of times requesting how I go about reporting this fraud account? I was told I need to fill out a form. ( I requested that form to be sent to me and never received it ). I am about to spend the money to obtain an attorney to sue XXXX XXXX as they keep reporting this fraudulant account on my credit report. This is beyond ridiciulous and I am going to be taking further action because it is affecting my credit. I am being held responsible for something I DID NOT DO. I am submitting this complaint in hopes that this gets cleared up and rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Please see below. I have huge issues with the handling of my current loan. How do I complain? 


XXXX XXXX, I am reviewing your file right now. It appears XXXX XXXX maintains its handling in this matter is correct and stands by its denial of your claim. You might need to consult with an attorney to discuss the option of legal action if you choose to pursue this matter further. 

With regards to the other concerns outlined in your complaint against XXXX, XXXX maintains its position and states that it has done everything it can with your claim. Further, XXXX advises that it can not compel the mortgage company to release the funds. The Texas Department of Insurance has no jurisdiction over your mortgage company and they are not obligated to respond to any of our correspondence. As such, this issue is now outside the Texas Department of Insurance 's authority. You may consider contacting the Texas Department of Savings and Mortgage Lending.

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 10/31/2017 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: This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XX/XX/XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XX/XX/XXXX I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XX/XX/XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing zero payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, without my permission or consent, compiled personal financial information about me, and then recklessly managed this information they compiled. As a result of their inadequate security precautions, they allowed my personal information to be stolen. When I sough to place a security freeze through their website, I was advised it could not be completed. 

When investigating receiving future alerts related to wrongful use of the information they failed to protect, I was advised that they would not provide that service beyond one year without compensation. Of course, they mismanaged the information and caused harm that will last beyond one year. The monitoring should last as long as necessary to assure no future harm - presumably lifetime monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (Medical) with AmeriCollect (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from AMERICOLLECT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMERICOLLECT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation