milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received an email ( XX/XX/XXXX @ XXXX ) from XXXX XXXX to check my credit score. As I checked my score, I just realized that my credit went down drastically. It said that in my " Payment history '', I was currently " 60 days past due '' on something. As I checked, the " XXXX XXXX  XXXX XXXX '' ( XXXX XXXX ) stated that I was late on my payment. 

From here, I called the XXXX XXXX  customer service number on the back of my credit card to double check my account balance. As I checked, they said " Your account is currently past due. Your current account balance is {$12.00} ... The balance on your XX/XX/XXXX statement was {$12.00}. Your last payment in the amount of {$74.00} was received on XX/XX/XXXX. Your next payment of {$12.00} is due by XX/XX/XXXX. Your XXXX XXXX XXXX XXXX account is past due. 

I then went online to check my XXXX XXXX account statements. I was able to check it online and it said in the XX/XX/XXXX statement that a " CREDIT PRO XXXX '' charge of {$0.00} was there and a " MINIMUM INTEREST CHARGE '' of {$2.00}. 



As I tried to click on the other statements, I received a " We're making improvements to your online experience. Some features may be unavailable on XX/XX/XXXX from XXXX AM to XXXX XXXX ET, and again on XX/XX/XXXX from XXXX XXXX to XXXX XXXX ET. 

XXXX @ XXXX '' and a " Internal Server Error The server encountered an internal error or misconfiguration and was unable to complete your request. 

Please contact the server administrator, [ no address given ] and inform them of the time the error occurred, and anything you might have done that may have caused the error. 

More information about this error may be available in the server error log. 

Additionally, a 404 Not Found error was encountered while trying to use an ErrorDocument to handle the request. '' I did not authorize XXXX XXXX to enroll me in any program. 

Provided are the screen shots and the XX/XX/XXXX statement. 

I have also sent in a dispute request through XXXX XXXX for this transaction stating that I have no knowledge of this transaction.

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 09-03-2016 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

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 08/17/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They are attempting to collect a debt that is over seven years old, since I 've last used the credit card. They are also still adding interest to this out of statute & aged debt as well as falsely reporting it as a new or current debt to the three major credit reporting agencies every month. Midland Funding LLC. should no longer be reporting anything to my credit bureau after XXXX years. They still are. They are also reporting the last activity date in 2015, unfair collection activity. Scare tactics by purposely trying to impact my current credit rating. More of the same acts they have been sued over on multiple occasions. They are a 3rd party collection agency who has also failed to send me my original contract & signature of the debt they purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX 2015 I was informed while attempting to obtain a new lease with another car company that XXXX XXXX XXXX ( " XXXX '' ), whom I currently lease a vehicle from, had reported my account to the XXXX major credit bureaus ( Transunion, XXXX, XXXX ) as 'delinquent ' for the months of XXXX and XXXX despite making all the necessary lease payments in a timely manner. My payment schedule will confirm such. 

This egregious, potential violation of the FCRA has driven my credit score to the level in which no local Credit Union will provide lease financing at my original negotiated rate with the dealership. XXXX claims to have reported no notices of delinquency however it 's clearly present on all XXXX credit reports I obtained. Disputes have been submitted. 

I have contacted and urged XXXX leadership to fulfill XXXX 's XXXX Customer Value to " ... promote a customer-driven corporate culture by providing the best quality and impeccable service with all of our efforts aimed at satisfying our customers. '' This has gone beyond any stage of inconvenience and has become detrimental to my ability to engage in critical necessities for my livelihood. I have respectfully requested this situation is rectified with the credit bureaus immediately so as to prevent any further damage caused. 

Thank you for your attention in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 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: Credit inquiries on your report that you don't recognize

Complaint: I have XXXX Hard Inquiries from a XXXX XXXX XXXX Credit Card XXXX XXXX dated XXXX XXXX XXXX and XXXX XXXX XXXX respectively and I did not apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: We represent an elderly, isolated senior of limited financial means. On her behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor acknowledges receipt of the letter requesting no further communication, the creditor asserts its right to continue to send " servicing correspondence '' such as monthly statements. By continuing to communicate with our client after receiving her request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act.

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 03-03-2017 about Credit card () with Alliance Data Card Services (NJ).
Issue: APR or interest rate

Complaint: Had a commenity BJs perks card used mostly at BJs and paid in full every month. Was offered interest free for a year to move any balances to this account. I still pay my new charges off each month plus the minimum payment and they are charging interest every single month. They are saying that I have XXXX separate balances for charges in BJs and outside of BJs ( almost never happens ) and they are charging 14.99 % for outside purchases and 6.99 % for BJs purchase, but I pay the bill in full every month and on time, if not early.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX : XXXX : UNAUTHORIZED INQUIRIES XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX  on 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 explanation
Consumer complaint received 09/18/2017 about Debt collection (Medical debt) with Collection Consultants of California (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Keep receiving calls from collection company about a medical bill I have no Idea off what its for never received a bill from the medical facility or an explanation of benefits from my insurance. I have asked over 10 times to please send me a bill and itemized statement of what this is for. They keep calling and telling me the balance owed is more every time they call and they I will continue to be charged interest. I tell them I do not know of this bill and to please send me an itemized statement and invoice. I tell them I have never gotten any kind of bill from any medical facility for such a large amount nor has my insurance company sent me any explanation of benefits. They are harassing my home by calling everyday and not sending the requested information. Please help me resolve this. I pay all my bills and all my medical bills. It is not fair for these collection companies to call and harass people and not supply information on what they are accusing you of. I am not just gong to send money to people who request it with out a bill and explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Four complaints:1. While requesting XXXX my annual reports, the internet went to a " XXXX '' for the reporting agency XXXX TransUnion XXXX, then a error message appeared saying that the secure site could not be reached. This also happened a few months ago during a request XXXX. Because the online service was not producing my report, I decided to contact XXXX, using their posted " contact us '' form. 

2. I tried to contact AnnualCreditReport.com by using both their " contact us '' form and by phone. Even though I completed the " contact us '' form, it repeatedly posted a message that there was a problem in the " tell us more about what happened '' comment field, and that I 'd have to correct the error ; however, there were no instructions as to what the error was or how to correct it. 

3. After getting no results through the " contact us '' form, I tried contacting XXXX by the posted phone number : XXXX ( which is the same number that Consumer Financial Protection Bureau gave me to contact XXXX XXXX. That phone number ( XXXX ) provides only a repeating message and no live person to help troubleshoot the online problems with their website. 

4. I 'm quite concerned that the XXXX website is phishing! It certainly is acting like it is! and I do not need my identity jeopardized!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received an intent to sue notification in the mail on a debt to an apartment complex from a company called Wakefield and Associates. 
I knew this debt was owed and attempted to pay it immediately upon moving out of the apartment complex. I was told repeatedly that they did not have a balance for me so I quit perusing it until I received this summons from Wakefield. I immediately called them to try to settle out of court and set up monthly payments. Apx 1 1/2 years later I called to try and settle the remainder of the balance and was informed that they had been applying my payments toward a separate debt that was more than 10 years old. I was then told that my balance on the original debt to the apartment complex had been inflated to over {$XXXX} from the original balance of just over {$1300.00} due to attorney 's fees and interest. I was unaware of the medical debt until 2 days ago when I learned they had been paying on that XXXX instead. I do n't know the debt laws very well but it seems that by attempting to pay the debt down, I should n't be sued. It also seems that the money I give a company for a specific debt should be used for that debt and not for whatever they feel like applying it towards.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: We were victimized by Wells Fargo Bank after we filed a complaint they whitewashed our comments and naturally found against us. We disputed and nothing was resolved. During the latest round of fraudulent behavior on the part of Wells Fargo Bank management and employees, adding accounts and expenses to customers with out their knowledge and approval, pleading guilty and exempting the wronged customers from taking legal actions, is abhorring to the say the least. Not only did Wells Fargo Mortgage Bankers lie and refuse to help us with our mortgage, our accounts were deleted and our access blocked. We recently learned through a card mailer from Wells Fargo Bank we were given two accounts were never applied for. We have over a hundred that were sent to us basically passing the buck back and forth until foreclose took place. We are owed around {$500000.00} in our property value and over {$250000.00} in builder and after market upgrades. I wash to have cfpb investigate and in the mean time I will prepare a complaint package to submit to United States XXXX XXXX XXXX. Wells Fargo Bank used their financial influence to deny short sales and provide any support to us when we were financial limbo during the economic recession/crash. After serving 21 years on XXXX XXXX in the XXXX XXXX XXXX and 19 years in XXXX XXXX XXXX supporting the military, mostly living XXXX with my wife and children away from the United States and our extended family. Wells Fargo Bank chose profit over customer support and wellbeing. We moved XXXX time since our foreclosure and we ask that Wells Fargo Bank reimburse us for all the money they made off us and refusing to allow our short even after the approved it. The financial figure that we were cheated out of was in the neighborhood of {$500000.00} and we have documentation to prove our case.

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 08-09-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: Citibank refused to remove late fees and a resulting interest on purchase fee even after I explained that I had a few really horrible months. I was a customer for years and never late and they could not extend me this courtesy. They take advantage of consumers. I had a few deaths in the family, called to explain and they did NOT remove the late fee or interest fee. The late payment ( a whole 2 days ) triggered an interest charge as well. Seems to me that they wanted this to happen so they could collect these fees. They claim that they COULD NOT take the fees off. I do n't believe it. I have XXXX credit cards and a checking account with Citi. They could have been more understanding for someone like me who is never late. I feel that they are using these fees for their income. I closed the account and will close my checking with them as well. They are crooks and liars.

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 04-06-2017 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing disputes

Complaint: My bloomingdales closed my account after I mad the payment and the account was still open, and now there saying that I have balance thats due. This is not correct because I made full payment and brought the account to a zero balance. I have spoken with them and they still arent trying to assist me but instead keep refering me to the collections agency thats now handling the bill, my account should not be in collection agency status because it shouldnt have a balance due ... ..

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 07/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: My loan documentation states that private mortgage insurance is to be automatically terminated on XXXX XXXX, 2015. My loan is current and all of my payments have been made on time, yet Ocwen ( who purchased my mortgage ) refuses to terminate the PMI. I have provided them with the document that I signed at loan closing indicating that the PMI is to be automatically terminated on XXXX XXXX, 2015. However, they keep on sending me " Borrower Requested PMI Cancellation '' forms that require me to pay for a current appraisal. The termination document states that the PMI should terminate automatically by the lender, and that this is based on the original home value and the date when the loan is scheduled to reach 78 % according to the original amortization schedule. I have contacted Ocwen several times and each time they have indicated that they will send the issue to their PMI department who has done nothing but send me " Borrower Requested Cancellation '' forms and insist on me paying for an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Advertising and marketing

Complaint: In looking to purchase items from Bestbuy.com, I was offered 0 % financing immediately if signed up for a BestBuy credit card backed by Citibank. I filled out the application, called for verification, application was approved and I was told that I could check out online immediately and the goods would be shipped to me. I completed an order for {$3600.00}. Two days later, I was notified that I could not purchase the goods until I recieved my card in the mail. This was deceptive advertising meant to reel people in with a good financing deal, lying that it would apply immediately when in fact, I was told by Citibank that this was not possible. I 've since cancelled my card and my orders, but my credit has been perminantly impacted by the application process and am told I can not apply for another Citi-backed card for 6 months or a year. The losses include the actual interest on the products, as I no longer qualify for 24 months of 0 % financing, as promised online.

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 09-08-2017 about Debt collection (I do not know) with Security Credit Services, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The amount of {$8500.00} is being reported by Security Credit Services as in " Collection ''. This account has truly stumped me because it was originally owned by XXXX XXXX XXXX XXXX XXXX, which I believe from the bit of research that I 've done, was owned by the XXXX XXXX XXXX XXXX.
The confusing thing about this debt is that it was recently opened a year ago but was never reported in collections before that by the original creditor or any other party. There was no letter to verify that I own the debt. It also states that I am a co-signer for the account ; I believe this to be untrue.
I have contacted Security Credit Services to verify the debt and have also disputed it several times. I have also disputed it with XXXX and they have also refused to verify the debt, simply stating in the " remarks '' section as, " Dispute resolved : reported by grantor ''.
I believe this all to be a breach of the FCRA ( Fair Credit Reporting Act ). I am now willing to take I would like to get this situation resolved as quickly as possible. Please let me know if you need any more information.
Thank you.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear on my credit report.

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