milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Late fee

Complaint: In XXXX 2015, we made a {$12.00} payment to our Citibank credit card account, which was the full balance. For reasons that have never been adequately explained to us, this payment was returned to our account at XXXX XXXX by Citibank. Citibank then charged us a {$35.00} late fee after rejecting the payment for the principal. We sent the payment for the {$12.00} principal, and called Citibank, requesting that they waive the late fee. They refused to waive the late fee, for reasons they would not explain. We requested that the account be closed, and were told that this would be done. 

About two weeks later, we were contacted by Citibank again, requesting payment. At this post, they had charged a XXXX {$35.00} late fee, apparently related to the XXXX late fee, as we had already paid the principal. They also told us that the account had not been closed, despite our prior request. 

Tonight, after speaking to XXXX different representatives at Citibank, we were told have an approximately {$82.00} balance with them, reflecting their fees upon fees for an initial {$12.00} charge. They confirmed that they had returned our payment, but could not explain why it was returned. They could not explain why our prior request to have the late fee waived was denied, and they could not explain why our request to close the account was not acted upon. They stated that they will have a manager investigate this further. 

The highest level contact I have made to date was with XXXX, ID # XXXX. We have made about XXXX calls to date to Citibank to address this, and we have no resolution at this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A business was created under my name without my consent or permission, I have asked several times for the debt collector to remove my number. 
They called yet again today and when I told them it was not my debt they became rude and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Delinquent account

Complaint: American Express is stalking me on social media and calling my friends and family members to collect a debt I owe them. I have explained our situation, and am paying them slowly, but they continue to harass my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (AL).
Issue: Taking out the loan or lease

Complaint: I created a Paypal account a while back. I was using the traditional debit function only for a long time and it worked fine. During XXXX of my purchases in XXXX, after I logged into my account on the payment page, Paypal defaulted my payment option to Paypal Credit, which is a credit option they offer. In order to get around this default, assuming I noticed it, I would have had to know to go up to the top and select the " Change '' link next to " Payment methods '' in order to pay the traditional way. After that, a customer service rep. insisted that I had to have filled out information that set up my credit account ; however, I am very skeptical of this. I do not remember doing this, and I know that I would have stopped what I was doing had I known what I was doing. I asked if this rep. could prove in any way that I set up this account and he could n't. He also insisted that I marked that I wanted to pay with credit ; however, I had to explain to him that it was the default option. I went back and simulated another purchase. I did not have to make such selection ; it was the default method. When I started receiving statements, I looked on my activity page and saw that all transactions were completed. I just assumed that these were statements informing me of my activity. I saw no indication of an outstanding balance in my activity. Only when I got a paper statement, opened it up, and saw the amount due with a very expensive late fee did I realize that something was wrong. I am not sure if this practice is illegal, but it is certainly unconscionable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to ... .promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been trying to apply for the Revised Pay as You Earn plan for almost two years now and continue to be denied for the program and suggested to submit the application in another manner every time that I have spoke with them. I have had a processor assisting me with completing the application pursuant to the information that has been provided by the many representatives at Fedloan Servicing. Every time I 've spoke to them, they illustrate a different way to complete the application. My loans are a spousal consolidation and thus require that I submit my ex-spouses information- of which she has complied with as well. My application was finally approved back in XXXX of 2016 and then was arbitrarily placed back into the standard payment with the claim that there was missing information. I have since escalated the file and submitted another application that two months later still has not processed. I have been told that my file has been escalated and should have resolved within 3-5 days- yet here we are 3 months later with a mandatory student loan debt burden forbearance on my file because I have not been able to pay back my loans in over two years. I have submitted all of the requested documents exactly as described to Fedloan servicing. My file has been pending to be place in the revised pay as you earn plan for almost two years. Fedloan servicing has made me jump through hoops in order to obtain a repayment plan that they have told me I qualify for. It 's very frustrating that it has taken this long for my application to process and the representatives do n't understand why. I understand that spousal consolidations are a tough task to handle, but I have complied with all of their request and would like to start paying back my loans instead of drawing this out any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2016 about Debt collection (Medical) with STONELEIGH RECOVERY ASSOCIATES, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from STONELEIGH Recovery Associates claiming I have an unpaid debt of {$250.00} at XXXX XXXX Hospital XXXX in XXXX, XXXX. I live in XXXX and have never been to a hospital in XXXX, so this is obviously not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a dispute to Equifax that they Received on XXXX XXXX 2017. I have not received a response from them. It is regarding an account that they are reporting on my report for a XXXX account that I do n't recognize. I asked them to provide me documentation that they have that verifies the account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TRANSUNION IS REPORTING A CLOSED ACCOUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED AMOUNT OF {$15000.00} AS DELINQUENT AND OPEN. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED AND PAID IN FULL ONCE THEY REPORTED THIS ON A XXXX REPORT AS ADDITIONAL INCOME WITH THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND XXXX HAVE REACHED OUT TO XXXX XXXX DIRECTLY AND HAVE UPDATED THE INFORMATION THEY ARE REPORTING.I NEED TRANSUNION TO SHOW THIS ACCOUNT AS CLOSED AND PAID IN FULL- NOT AS DELINQUENT AND OPEN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I TRied making a deposit to an Bank of America Bank atm to make a deposit before I got hit by many over draft fees bank errors

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 08/28/2017 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company in question ( Capio Partners ) sent a letter requesting payment for a debt that they had purchased in the amount of {$340.00}. I disputed the debt with the original claimant with no resolution as of yet and thus disputed it with Capio Partners. I requested documentation of the debt and they provided a list of the debts and bills dated XXXX/XXXX/XXXX but no further documentation as to payments made, credits or insurance reimbursements. This is further obfuscated by the bills showing charges of hundreds of dollars and in some cases thousands of dollars with no delineation of how the amount I allegedly owed got deduced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2015 about Debt collection (I do not know) with EOS Holdings, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calls my phone XXXX times a day, looking for someone that is n't me. They said they would stop calling and take phone # of list but they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Late fee

Complaint: Dear Sir, I was charged excessive late fees on a secured credit card by Wells Fargo Bank- representing an effective 1,000 % interest rate and over XXXX % of my collateral. The late fees were automatically charged, my account was subsequently closed and missed payments were reported to credit agencies. The bank had failed to notify me either electronically or via paper in spite of me updating the bank staff of this change of address. I have also spent several months trying to get the bank to reverse the several charges they have charged - an effective 1000 % + on a completely securitized line. The bank customer service and executive office seems to only want to find a way to legalize those charges and do not want to take any accountability for excessive fees and charges. While the enrollment process I was told that this secured credit card would only hurt my credit scores. I have no other option that to use this forum to hope for a correction in their methods and processes used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There appear to be some hard inquiries that I did not incurred. In fact, I have contacted the original creditor, and for some reason they have no records of this inquiry ever been posted. I have already disputed the account with Equifax, and they do not want to comply or remove it from my report. 
Inquiry name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Re : USAA XXXX Account # XXXX Credit Limit {$8500.00} Account Holder : XXXX XXXX XXXX TO USAA Federal Savings Bank XXXX XXXX XXXX XXXX {$9900.00} I do not agree that my XXXX XXXX XXXX was ever as high as {$9900.00} and am certain if I had ever charged over my {$8500.00} credit limit, USAA would have notified me and I have no records of them doing that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had XXXX XXXX and the final bill was paid by credit card over the phone on XX/XX/XXXX and service was cancelled and equipment was picked up by service man at my residence. I moved out of my apartment that day. Company claims I never cancelled service and billed me for 3 additional months. XXXX XXXX did not file a collection notice until XXXX on my credit report. Company claims I owe them {$230.00}. XXXX XXXX sent me a " Notice of Rights '' letter dated XX/XX/XXXX indicating that they received the claim I disputed and stating that if I do n't respond within 30 days they will consider the debt valid. On XXXX XXXX I had a XXXX XXXX in Vermont and subsequently was hospitalized at the XXXX XXXX XXXX XXXX XXXX where I had a XXXX XXXX which can all be fully documented. I was unable to respond to the Notice of Rights due to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IL).
Issue: Account opening, closing, or management

Complaint: Further to my previous filing, Wells-Fargo has responded to my complaint about unfair fees by closing my account. I have sent them a reply, requesting a formal letter indicating that my account has been closed and that no further financial burden is expected of me with respect to this account. 
Wells-Fargo has removed all evidence of my checking account from the online service in a glaring attempt to cover up what they are doing. I never received any notice of their intent to close my account. Instead, my credit card provider ( not Wells-Fargo ) informed me that a scheduled monthly payment was rejected due to account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against Transworld Systems for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (I do not know) with Crown Asset Management, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A debt collector put a lien on a old debt on my credit report it expired and is due to come off so a debt collector law firm sent a letter I sent XXXX request of verification of debt and last transaction and nothing. Instead they file garnishment against me on a debt that is approximately 20 yrs old how is that legal and where is my rights as a consumer. the law firm is XXXX, XXXX XXXX XXXX XXXX in 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
Consumer complaint received 02/21/2018 about Student loan (Private student loan) with Immediate Credit Recovery (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: My parents told me to go to XXXX XXXX, even though I had heard about their fraudulent practices, they thought good idea for me to go there. I went, got an XXXX and in the end I was told I needed to redo a loan for one final credit, which was only about 2k and now all of a sudden I'm informed, after notice my federal tax returns are being taken from a federal credit collector, THERE'S NO WAY I OWE OVER 10K as now stated, I had paid off my XXXX XXXX credit loan. Hoping to get a way to be forgiven, since it's one of the most fraudulent circumstances I've ever seen or have had to deal with, especially with it being almost 10 years after I have actually graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In XX/XX/XXXX, my credit card account with Chase was closed involuntarily because of a " process error '' on their side, shortly after paying the annual account fee. This account has been open for over 5 years and I have been a Chase customer for over 12 without a missed or late payment. In order to re-open this account, the onus has been on me to submit substantial amounts of paperwork confirming their mistake. This paperwork was submitted on XXXX XXXX, 2017. Since then, Chase has had well over 5 weeks to act on this request, but has refused to re-open the account or rectify this situation. I struggle to believe that it takes someone over 200 business hours to take such a simple action.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar has been charging me late fees and calling me saying my payments have been late for two years, from the very first payment!! My payments have always been on time, early or in the grace period and I have written proof from my bank. Nationstar owes me late fees with interest and credit for my on time payments. My credit has been adversely affected, and I had to put up with their multiple daily calls while dealing with my husband XXXX from XXXX in 2015. I did n't have time to deal with this then, but I do now. None of their representatives would help at all until I told them that I was filing a complaint with the CFPB. Side note : Their representatives are very difficult to understand and not accommodating, treating me as a deadbeat. Worst experience ever in the worst time of my life. Now I have XXXX and this is the last thing I need to deal with at this time of my life. 
Thank you for your help resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: I was declined the American Express Green Charge Card.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to Experian on XXXX XXXX, 2016 and another follow up letter on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.

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