milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2017 about Bank account or service (Savings account) with CITIBANK, N.A. ().
Issue: Deposits and withdrawals

Complaint: In XXXX my money in savings account number XXXX with Citibank was fraudulently withdrawn. On my protest, Citibank credited the money back into my account. Since I do not live in USA I instructed Citibank to block the account ( which obviously had been compromised ) to prevent further abuse until I identify myself in person. 
In XXXX, I visited the bank and to my utmost surprise, withdrawals were again carried on the account, In response to my inquiries, Citibank stated that after my account was credited with the previously disputed withdrawals of XXXX, the account was again debited in XXXX. Citibank admitted that despite the freezing instruction on my account, it was unfortunately not blocked as instructed " due to interest that was posting ''. 
Since then Citibank has refused to investigate and/or credit my account with the money despite several protest and complaints.

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 09/24/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a tax lien on my credit report that should n't be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with WELLS FARGO & COMPANY (SD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a call from XXXX XXXX at XXXX regarding a debt that I supposedly owed from Wells Fargo. She stated that the debt was in XX/XX/XXXX and was the amount of approximately {$790.00}. XXXX XXXX did not state which firm she represented but threatened to send the police after me. Furthermore, I have no recollection of an overdraft debt owed. I have been a customer of Wells Fargo since prior to XX/XX/XXXX with bank accounts that they could have levied should a debt have been owed. I was never notified of said debt, no collection attempts have been made, and there is no proof that I owed the debt. I and my wife attempted to tell XXXX XXXX this and that we were concerned that if there was a true debt that it was not mine as we had never been notified. XXXX XXXX hung up on my wife and ( again ) threatened to send the police after me. I am concerned that if this debt is valid, that Wells Fargo did not follow Fair Debt Collection Practices and furthermore that the threats made by this attorney are harassing and unethical.

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 10-07-2015 about Debt collection (Medical) with Armada Corp. (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: After explaining the situation on the billing error, they assuredme that if I pay it they will remove it from my credit report. I told them that I was in the process of refinancing my home and that it was critical in order for me to get a good interest rate. They told me they 'd have it done in 3 weeks. At the advice of my banker, I called to confirm this and was told they ca n't remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Today Trans Union declined to issue my credit report to XXXX XXXX per my request. I contacted Trans Union and spoke with XXXX XXXX, XXXX XXXX & XXXX XXXX who asked me for a pin because my account was on a credit freeze. I explained that the credit freeze was lift XX/XX/2015 with XXXX and that I previously filed Case number : XXXX with your agency to get the freeze removed. After asking a couple of questions, they said XXXX of the XXXX were wrong and continued to deny me my right to remove a credit freeze that was previously lifted at some considerable anguish previously. They also refuse to give me a contact number for the person in charge in the United States, since they were all based out of the country.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with TSC Accounts Receivable Solutions (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: TSC is non-responsive and is not providing any form of verification, either in this or the other responses, nor over the phone. What XXXX XXXX provided is simply a copy of a bill in my name. I believe this bill was made in error and have requested proof that I was the one that received this service. A simple bill with my name on it does not prove this is my bill. As it is not my responsibility to prove this debt, I consider this debt invalid until TSC can prove that this is my debt and not an error on their side or the originator of this bills side. 

My Rights Under California 's Fair Debt Collection Practices Act and TITLE 15 -- COMMERCE AND TRADE, state that I must be provided proof that I owe the debt. Simply providing a bill with my name on it is not proof of responsibility. The fact that TSC states that they " believe '' this " account is accurate '' is just their opinion, not proof or validation of the debt. As such TSC is violating my rights. 

In addition, TSC has not proven that if this is even a valid debt, that they have been assigned the debt for collection. 

As I stated before, the continued reporting of account, # XXXX, for the current amount of {$220.00}, without all the above validation has caused me harm, and will continue to cause harm. As I have now brought this to their attention multiple times, and their refusal to remove this from my report until such time as they can provide debt validation, is a violation of my rights under the California 's Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have XXXX inquiries dated XXXX XXXX, 2017 from XXXX XXXX Bank. I did not authorize this or sign anything to have my credit pulled.

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 12/25/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled my Experian credit report and I have multiple fraudulent credit inquires on my report that need to be removed. My report number is XXXX. The following inquires do not belong to me and i have never applied to any of these I was a victim of ID Theft. 

The following inquiries are not mine : XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX XXXX/XXXX/15, XXXX/XXXX XXXX/XXXX/15 XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX XXXX XXXX XXXX/XXXX/15, XXXX/XXXX/15 XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX Card XXXX/XXXX/15, Staples/CBNA XXXX/XXXX/15 THD/CBNA XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX XXXX/XXXX/15, XXXX/XXXX/15 XXXX XXXX XXXX XXXX XXXX/XXXX/15, XXXX XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15 XXXX XXXX XXXX XXXX/XXXX/15, XXXX XXXX/XXXX/15

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with TIAA, FSB (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have the mortgage for my home with Everbank formerly Everhome mortgage. XX/XX/XXXX I noticed that Everhome Mortgage was charging me late fees ; according to them because they had received my payment after the XXXX of the month. I knew that I had mailed my mortgage payments on time. I believe they are receiving my payments on time but wait until the XXXX of each month to cash my check ; trying to justify their so called late fees. When I contacted Everhome about what I suspected, their response was that it must be a delay with the US postal service and that I still have to pay the late fees. They also said that I was mailing it to the wrong address ( the address that is printed on the monthly mortgage payment stub ) and that I should mail it to a different address, attention cash management ( this address appears on the back of my mortgage statement as an " Overnight Mail '' address. I have voice recordings of all communications between myself and Everhome/Everbank. Anytime I spoke to one of their representatives I would ask them to clearly state their name ( they will only state their first name ) and I would ask them to state their employee number. As a result of their fraudulent late fees, in XX/XX/XXXX I began sending my monthly mortgage payments via certified mail. I have all the receipts. To date on my monthly statements they have " Total Fees and Charges '' of {$1400.00}. I have never missed a monthly mortgage payment and more importantly I have never been late with a mortgage payment. 

I also have had a business mortgage with a local bank since XX/XX/XXXX. I have never missed a payment with them and have never had any of this nonsense or extortion. 

In my opinion Everhome Mortgage and Everbank are nothing but con artists and crooks. And I have the evidence to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Billing disputes

Complaint: I was approved for a capital one credit card XX/XX/XXXX. As soon as I received the card, I paid a few medical bills off with it and not even 2 days later, Capital One decided to close the card. They were not willing to open the account back up and I 'm unsure as to why the card was even closed. I asked them what my balance was so I could pay the card off since I was not able to use it anymore and they told me I had no balance. I explained that I had used the card for a few of my medical bills and they continued to tell me there was no balance. I waited a few days then called the back to make a payment and they contined to tell me there was no balance that needed to be paid. I did this several times and eventually gave up because they continued to tell me there was no balance. Suddenly XX/XX/XXXX, I received the first statement ever and it was in red stating I was 120 days past due and the card needed to be paid immediately. Of course I called and made the payment in full and asked why I had never received a statement before and why there was no balance the multiple times I tried calling to pay. Also the balance was paid in full then and still on my credit report they are showing a {$2.00} balance as of XXXX/XXXX/XXXX. Why approve me for a credit card if your going to close it 2 days later? Then tell me there is no balance and I know there was and not take my payment. This is tramatically impacting my credit score due to the late payments reporting in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with State Collection Service, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: spoke to state collections to resolve issue but they were only interested in collecting information from me. on XXXX XXXX told them to send me information about this debt as required by law, still have not received information. they have reported to credit agencies affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Other mortgage) with United Military Mortgage, LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: The purpose of this complaint is to report a deceptive and misleading advertising scheme by United Military Mortgage LLC. 
" Low VA Rates '' is the DBA for " United Military Mortgage LLC, a residential loan originator. I am an attorney. On XXXX XXXX, 2016, I received the attached letter from Low VA Rates ( dated XXXX XXXX, 2016 ) which was addressed to my former client, XXXX XXXX. The body of this letter states that " Your VA Guaranteed loan at XXXX XXXX XXXX XXXX. XXXX XXXX has been selected for analysis by Low VA Rates .... Your potential new principal and interest payment has been calculated at {$670.00} per month. '' On the reverse side of the letter, Low VA Rates states that the estimate was based from data collected from public and third-party data. 

It is clear that Low VA Rates is being deceptive in its claims because a rudimentary search of public records would reveal the following : 1 ) XXXX XXXX does not have a VA guaranteed loan for the property located at XXXX XXXX XXXX XXXX. XXXX XXXX. 
2 ) XXXX XXXX does not own property at XXXX XXXX XXXX XXXX. XXXX XXXX. 
3 ) XXXX XXXX XXXX XXXX. XXXX XXXX is in fact my office address. 

I suspect Low VA Rates simply purchased a mailing list from XXXX of XXXX former creditors and -- without doing any research whatsoever -- sent a letter claiming that Low VA Rates had in fact " analysed '' and " calculated '' the specifics of XXXX loan. This is a lie and an active attempt to mislead and deceive consumers. 

As a civil defense attorney, I see many such letters mislead my debtor clients. In my experience, the average reasonable consumer would not be able to determine that Low VA Rates ' claims were false, but would instead be led to understand that research had been done concerning the particular loan and that Low VA Rates was making a solid offer. 

I further believe that -- due to both the claims of the letter and the obvious falseness of said claims -- this deception can only be intentional. This is the sort of intentional violation and victimization that the CFPB was created to protect consumers against.

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 11/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Never received any communication from XXXX XXXX ... then I get hounding from Portfolio Recovery..also received one letter .. thats it .... Now I am getting inquiries from the XXXX XXXX in XXXX..XXXX XXXX XXXX..again with very little information. I answered the initial letter from XXXX XXXX XXXX..stating I am disputing the debt.. asked for all of the appropriate documents as stated..including signed credit agreement..how PRA came to own the debt..or does XXXX XXXX XXXX own it.. 

The companies have not, in my opinion, working in good faith. Since I am retired, all my income is from SSI and state retirement..exempt..own no savings. I am talking with a bankruptcy attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (I do not know) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. I received a debt collection letter from XXXX XXXX XXXX stating I owed money ( {$1100.00} very suspicious amount ) and the current debt owner is XXXX XXXX XXXX XXXX XXXX creditor is Citibank. I researched XXXX recovery and every single review said they were a scam. Both XXXX XXXX and XXXX XXXX say an account was opened with my name and social and they last payment date was XXXX/XXXX/11. It was first reported on XXXX after it became a time-barred debt. I asked for debt verification from XXXX XXXX ( current debt owner ) and they told me they have to get the proof first. I have called Citibank 5 times and each time they have said they ca n't find and information on an account opened with my social security number or the account number that XXXX XXXX XXXX Equities gave to me. XXXX XXXX has not provided me with debt verification and has stated that they do n't even have proof of the account and that they have to get proof before they can send it to me. Citibank has no records of this account so where is XXXX XXXX going to get proof from? It has been put on my credit report and they have not provided any date the account was opened with Citibank only the last payment date ( XXXX/XXXX/11 ) meaning it is a time-barred debt by Texas standards and I was mostly likely underage at the time the account was opened. I have filed a police report and complaint with the FTC and XXXX XXXX has not acknowledged that. They want me to fill out a fraud packet that would be providing them with all my information ( social security, drivers license number, addresses ) without them having sent me proof of the account. They also said I only had ten days to return the packet to them after I received it. I spoke with someone at the FTC and he said that there should not be a time limit especially since they have n't provided me any information. Recently the debt owner on my XXXX credit report changed to XXXX XXXX XXXX even though the account is being disputed. XXXX XXXX 's phone number is XXXX XXXX XXXX XXXX but the same address as XXXX XXXX. There are many concerning factors, so I do not trust sending all my personal information to them since neither I nor Citibank have any information on the account. They need to take this off of my credit report as it is a result of identity theft and they do n't have any proof and/or are unwilling to send me proof of the account. They also need to take it off because I was underage.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: A few months ago, I attempted to obtain my annual free credit report from Equifax. They advised me that I was unable to receive it because they required evidence of my identity. I provided that information to them, by mail ( as instructed ), 1.5 years ago and 2 years prior to that. Today ( XX/XX/17 ), I completed a preapproval application with XXXX. They advised me that they could not extend any offer to me because they were " Unable to verify my Social Security Number ''. I immediately contacted them. The agent inquired if I had any other creditors. I explained that I did. She advised that I contact Equifax ( whom they used to access my credit record ) because they showed no SSN for me. I have credit monitoring accounts with XXXX and XXXX. Equifax seems to be the only agency that refuses me ( or any other creditors I seek out ) access to my records. I am extremely concerned because of the recent breach in security with this agency. Why were my records never updated when I 've provided them proper documentation twice? Maybe this is how our information was so easily accessed because many " balls seem to be dropped ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was approved for a XXXX dollar loan and denied the XXXX dollar loan. I did accept a lower amount. The loan in the amount of {$12000.00} was added to my loan account and is included in loans that I am paying back. When I contacted the loan company ( Navient or maybe XXXX XXXX at that time ) about the issue they said it was the schools mistake and has to be resolved there. When I contacted my school, my school said to contact the loan company. The issue was never resolved by either and I am paying back {$12000.00} dollars that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: I received a credit card from Capital One for rebuilding credit last XX/XX/XXXX. I made every monthly payment either a larger payment than the minimum or just the minimum days before the due date. I 've had this card for 11 months and they reported my balance and payment history or so I 'm told. I recently applied for another card and was denied for no credit history. My credit score is a XXXX. I got this card to help my credit score it has not! either the credit card company is not reporting correctly or the reporting companies are not reporting correctly. Either way ... me the consumer is negatively and unfairly effected. The purpose of this card that I got 11 months ago was to help my credit score. This is not correct or fair to do to anyone let alone a single woman that was lied to by a large company just to make a dollar .I do not want to involve the press or a third party, but I will if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: IN THE PAST 3 MONTHS I HAVE PAID ALL MY CREDIT AS WELL MY 2013 COLLECTION > I BELIEVE THAT MY SCORE IS NOT REPORTING PROPER > WITH ALL DEBT PAID OFF ONLY OWEING AUTO AND SMALL PERSONAL LOAN > NO RC. MY SCORE SHOULD BE EASY IN THE 700 RANGE AND NOT THE MID 600 'S. XXXX NEEDS TO RELOOK AT MY CR AND SEE WHY IS STILL THE SAME AFTER PAYING ALL MY DEBT OFF.

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