milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: ON XXXX I CALLED XXXX XXXX CREDIT CARD TO ASK ABOUT MY REQUEST FOR CREDIT INCREASE. ONLY WHEN YOU REQUEST A LINE INCREASE DOES THE CARD CONTACT THE CREDIT REPORTING AGENCIES. 
I REQUESTED A LINE INCREASE IN XXXX XXXX ALSO. AT THAT TIME I UPDATED MY NEW PHONE NUMBER WITH ALL THREE BUREAU 'S. 
MY NUMBER IS UPDATED AND CORRECT. THE NUMBER ON FILE IS THE XXXX XXXX XXXX HAS AS MY HOME PHONE AS WELL : XXXX. 
I ASKED THE REP ON THE PHONE IF IT WAS APPROVED AND THEY SAID THEY TRIED TO CALL ME BUT HAVE THE WRONG NUMBER PROVIDED TO THEM BY THE CREDIT BUREAUS. I TOLD THEM THAT THE CURRENT FILE I HAD IN FRONT OF ME STATES THE RIGHT NUMBER ON FILE AND I WAS LOOKING AT THE XXXX DATED XXXX/XXXX/XXXX. 
THE REPS INSISTED THE NUMBER THEY GAVE THEM IS NOT THE CURRENT XXXX I HAVE ; AND SAID THAT THEY WILL NEED TO VERIFIY IDENTITY. I DID VERIFY ALL INFO WITH THEM INCLUDING BANKING INFO ALSO, RECENT PAYMENTS, ALL PERSONAL INFO. YET THE REPS INSISTED THAT THAT WAS NOT ENOUGH AND THAT I WAS WRONG ; AND THAT THE NUMBER GIVEN TO THEM FROM THE BUREAUS CAN NOT BE VERIFIED AND THEY ALSO SAID THAT THEY WILL CALL ME BACK TO VERIFY. YET THEY LIED TO ME AS THEY NEVER CALLED ME AT ALL. IN FACT THE REPS BLOCKED MY CARD AND BLOCKED THE ONLINE ACCESS AS WELL. I CALLED TO REPORT WHAT THEY DID THAT DAY AND THE SUPERVISOR REFUSED TO TROUBLE-SHOOT THE ISSUE AS I ASKED. I TOLD THEM TO CALL THE BUREAUS OR TO ALLOW ME TO SEND IN MY CURRENT COPY OF XXXX WHICH 'PROVES ' MY STANCE. THEY REFUSED AND BLOCKED MY CARD ANYWAY. I ASKED THEM WHY THEY WOULD BLOCK MY CARD WHEN I PROVIDED ALL INFORMATION CORRECTLY ; AND ALSO MADE THE POINT THAT THE CREDIT CHECK ONLY APPLIED TO THE REQUEST FOR INCREASE IN CREDIT ; NOT MY XXXX XXXX CARD ITSELF. YET THE REPS REFUSED TO USE THEIR INTELLIGENCE AND LIED TO ME SEVERAL TIMES SAYING THEY WOULD CALL MY NUMBER BACK TO VERIFY. THEY ALSO ASKED FOR MY SOCIAL SECURITY NUMBER MANY TIMES ; WHICH IS NOT STANDARD PROCEDURE FOR A CLIENT TO GIVE THAT TO THEM ; BUT I DID ANYWAY AS I FELT THREATENED. I WAS TREATED WITH NO RESPECT I DO EXPECT THEM TO UNBLOCK MY CARD AS MY CARD WAS NOT CONTINGENT UPON MY PHONE NUMBER ON MY CREDIT REPORT ; I ONLY HAD THIS ISSUE OCCUR DUE TO MY REQUEST FOR CREDIT INCREASE ; OTHERWISE THERE WOULD HAVE BEEN NO NOTIFICATION AT ALL ; WHICH THEY KNOW ; BUT THEY CHOSE TO BE HOSTILE, THREATENING, AND UNPROFESSIONAL AND BLOCKED MY CARD. THEY ALSO ON, XXXX STATED THEY WILL NOT SERVICE THE ACCOUNT AT ALL NOR FURTHER SPEAK TO ME, OR TRANSFER ME TO A XXXX AS I REQUESTED. THEY THEN HUNG UP ON ME TWICE.

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 06/29/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian shared my private information on XXXX different times with XXXX different agencies. XXXX was XXXX XXXX in XX/XX/XXXXXX/XX/XXXX, and XX/XX/XXXX .Number XXXX was XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX.The XXXX XXXX was XXXX XXXX credit department.They shared my private information without my consent..im very upset about this. they have no right to share my private info without my consent thats my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Managing the loan or lease

Complaint: I have requested that Chrysler Capital send me all loan documents for my Auto Loan. They refuse to comply. I have offered to pay for copies of these documents ; still ... will not comply. They are hiding something, and I will find out. This is illegal and unethical on so many levels. What ever happened to loans being transparent for the consumer? Who knows what Chrysler is charging me if I can not see any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: COMMONWEALTH FINANCE did n't send me a letter first, they immediately placed this on my XXXX XXXX credit report.The law is clear they must contact me first.They 're violating the law. I have never visit XXXX in XXXX TXthis is a zombie debt they continuous to past around.according to them account open XXXX 5 years ago. They could n't Violated date.There no account number associate with this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Another name is listed on my credit report. There is also a  XXXX  account that states it is overdue, but it belongs to this other person on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: A refinance mortgage loan application that has take 11 months and still no closing date yet. 
I start the application in XXXX 2015 and a credit report was pulled them, three months went by and another credit report was pulled without my authorization. After that I was promise that it will take another month and we will be closing by them. XXXX came in and the loan officer disappear without even a courtesy note or email. They brought another officer that is trying to joggle all the mess that it was thrown on his plate, still the people that he have to rely on to complete the process seem to be incompetent. The estimates were all so off that they ask me to take a loan against my XXXX to cover the closing cost. The only reason I have not pull the plug is because I am so compromise and I am not feeling well to start all over again. This probably will be my last mortgage process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt is stale, from 2003. 
Original debtor discharged this debt ; MCM collection agency has failed to provide verification and that debt was sold to several different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Consumer Loan (Vehicle loan) with GAMACHE & MYERS, PC (MO).
Issue: Problems when you are unable to pay

Complaint: XXXX XXXX XXXX XXXX as Assignee Gamache and Meyers have garnished bank accounts after the statute of limitations has expired in Missouri.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX made a hard inquiry on my credit report without my knowledge and authorization. I was told that it would be removed several times. To-date it has not. The company also owes me XXXX for a frivolous deposit of XXXX was assessed to me after service was activated. I was told several time I would receive a check as a courtest credit of XXXX, from XXXX XXXX agent XXXX pursuant to out telephone conversation on XXXX/XXXX/15. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: MY COMPLAINT IS AGAINST ( CITICARDS XXXX XXXX WHO IS THE DIRECTOR OF CITICARDS ) FOR DEPARTMENT NATIONAL BANK. MY COMPLAINT IS REGARDING {$400.00} IN ILLEGAL LATE FEES THAT XXXX BEGAN APPLYING TOO MY ACCOUNT XX/XX/XXXX WHEN XXXX XXXX TO PROCESS A PAYMENT I SCHEDULED FOR MY XX/XX/XXXX XXXX I LEARNED THAT MACY DID N'T PROCESS MY PAYMENT AND BEGAN APPLYING LATE FEES I QUICKLY ISSUED ANOTHER PAYMENT AND CONTACTED MACY TO FIND OUT Y THEY DID N'T PROCESS MY PAYMENT THE CUSTOMER SERVICE TOLD ME THAT SINCE IT WAS THE FIRST TIME IN 7 YEARS I RECEIVED A LATE FEE THEY WOULD REVERSE IT WELL THEY NEVER REVERSE IT AND INSTEAD ADDED THE LATE FEE TO MY NEXT MONTHS PAYMENT ALONG WITH ANOTHER LATE FEE .I FILED A COMPLAINT CFPB AND MACY EXECUTIVE OFFICE NEVER RESPONDED UNTIL I CONTACTED A XXXX XXXX AND INFORMED HER OF MY PROBLEM .XX/XX/XXXX I FINALLY RECEIVED A LETTER FROM MACY EXECUTIVE OFFICE IN AZ BY THAT TIME MACY HAD APPLIED OVER {$100.00} IN LATE FEES.

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 03/31/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Payoff process

Complaint: I have a case number Case number : XXXX received a letter from XXXX, XXXX FILE # XXXX, Date XXXX XXXX, 2015 saying that my settlement amount is {$69000.00} and i have time to respond till XXXX XXXX, 2015. I called the XXXX and they told me that Citibank closed my file with them and they will contact citibank. At the same time, they told me that the settlement amount is {$660.00}. so even the letter shows more money that I need to pay. I am not sure why all these conflict of information. 
My question, why citibank closed the file with them if I have time till XXXX XXXX, to reply. I called to pay the settlement amount and finish with this issue. Citibank did not inform me of any thing and they are just working with the XXXX without letting me know where I should pay. 
Can you please, help me because this letter shows that I should talk to XXXX if i need help. 
I need to know why CItibank closed my file with XXXX without letting me know where to pay. 
thank you for your time and help. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Payday loan) with 2233 Paradise Road LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Outline of Occurrences : On XXXX/XXXX/2016, I reached out to Cash Factory USA and advised that due to the holiday my funds would not be available on XXXX/XXXX/2016. I advised that I would need the funds owed to transact on XXXX/XXXX/2016 opposed to XXXX/XXXX/2016. After, speaking with numerous agents and managers this variance was approved. On XXXX/XXXX/2016, I received a notification from my Bank advising that said company recovered a lesser fee. I received a " Docu-sign '' email later on XXXX/XXXX/2016 in regards to refinancing of my account that had to be electronically signed and delivered by law. I never spoke with anyone in regards to refinancing this account ; just to have the transaction withdrawn on a later date of XXXX/XXXX/2016 for the full payment. The refinance documents advise of the Credit Access Business Agreement ( CAB ) fee that is indicative of refinancing. A refinance can only be administered upon completion of information and documentations required by the lender to refinance a loan. This documentation was never completed, due to never being discussed. However, a refinance of the account was completed without legal documentation required by the said company governing body ( Texas office of the consumer credit commissioner under chapter 393 ) or the Texas Finance Code in connection with my state of residence ( TX ). On XXXX/XXXX/2016 the said company reentered my account and retracted a larger amount that they were not authorized, too. 
Emails from the said company managers to substantiate and emails that were sent after the refinance fee was retracted advising had n't been signed/ completed and needed my signature. 

Offenses indicated below : 1. ( CAB ) Refinance fee deducted from my personal account 2. Disclosure date for Refinance agreement sent on XXXX/XXXX/2016 3. No signed agreement obtained from said customer to refinance account 4. Attempted to collect wrong amount

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (CA).
Issue: Settlement process and costs

Complaint: Using FHA to purchase a home. Lender erroneously included seller credit as part of down payment, so when it was going to be funded lender called me saying they needed more money. At this point I had wired downpayment they told me to send to title and signed title docs. Lender told me they had made a mistake and apologized, which is fine, I would send more money. Lender assured me that the seller credit would be going towards up front PMI and the additional money would go towards lowering the loan amount. Neither of these happened. When I get the final documents from the title company most of the seller credit is gone, only about XXXX dollars of the approximately XXXX that was included in the title documents I signed. Spoke with lender, they apologize and admit they messed up, but do n't really offer any recourse besides them saying sorry. To me they lied to me, promised me things that did not happen, and out of pure negligence or laziness did not put effort into informing me of what was happening or even letting me know. It is very difficult to get them to call me back or even send documentation.

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 11/29/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed a letter XXXX requesting debt validation to LVNV on XXXX/XXXX/16. In that letter, I invoked my rights under the Texas Finance Code 392.202. They have failed to provide proper validation, Texas law requires that they delete their reporting, and cease all collection activities until FULL VALIDATION UNDER TEXAS LAW IS PROVIDED. 
Sec392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by the agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101. 

LVNV is also deliberately treating a debt validation under Texas Financial Code as if it were a dispute under FCRA. I believe this to be an abusive application of the FCRA dispute process, as placing dispute comments derails credit applications. This seems to be a common tactic lately, and their intent is to discourage consumers from seeking their rights to debt validation under FDCPA and state statutes. In my letter, it states I am requesting validation. They are broadly interpreting the term dispute. If LVNV DID actually consider the letter to have been a reportable dispute, then they must treat it as a direct dispute and investigate it as such, conclude that investigation within 39 days, and send a NOTICE OF RESULTS to the consumer. They thus did not treat it as a direct dispute, undermining their statement that it was a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with ALLY FINANCIAL INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiry and/or unknown company

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 04-09-2017 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from Experian, XXXX, and 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 01-06-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted multiple disputes with Experian regarding acct identifier : XXXX. This acct was closed in XXXX and was Paid in Full on XXXX. With every dispute the status of the acct got worse culminating in XXXX when this fully paid and closed acct showed up with an Open - Collection status which caused me to be denied for credit by XXXX ( inquiry on XXXX XXXX, XXXX ) due to " recent or current delinquency ''. Experian finally corrected the status of the acct to Paid, Closed but NOT the Payment History where it shows a " C '' mark for XXXX meaning the account is still in collection. This is contrary to the acct status of paid, closed. I called XXXX XXXX who insisted they report correctly. As it stands now, I ca n't even file an online dispute with Experian. I do n't know the reason and it is not stated when they reject me from filing a dispute. I also called Experian who blamed it on XXXX. I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that Experian is at fault for willful negligence in not removing the Collection mark for the month of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been having problem with XXXX since XX/XX/XXXX for repoerting wrong information. 
we have no Valid contract Since XXXX changed terms of my contract monthly paymentwithout my knowledge. wrongfully repossessed the car XX/XX/XXXX. First Delinquencywas on XX/XX/XXXX. The past XXXX years I have uploaded the contract and the monthlypayment history showing the last payment date as proof to equifax but Equifax has failedto look at the document and make correction to my credit file. Since it is over XXXX years and there is no valid contract and equifax not follwing the law. I want this account be removed from mycredit file. Old and we have no cotract that I signed

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I've had countless repeated phone calls on server al different numbers at gall times throughout the day and night. Also some action letters.

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 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide 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.

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 11-07-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On XXXX XXXX XXXX XXXX took our my normal automatic withdrawl for my student loan in the amount of {$220.00}. They then also took out another {$220.00}. On their files it said that they then paid back the double debit from my account, refunding me {$220.00}. The records from my bank show that a debit was taken on {$220.00} on XXXX XXXX, XXXX and then again on XXXX XXXX, XXXX with no refund given. 
I first called their company on XXXX XXXX, XXXX and was told to send an email to customer service along with my loan number. I did this that same day and and email was sent back saying that it was being forwarded to an account XXXX and I would hear back from then. I then called again on XXXX XXXX, XXXX as well as XXXX XXXX, XXXX with no progress made and got no answers. During the XXXX XXXX called the representative advised me to not make my XXXX XXXX payment. I did this as a XXXX time non-payment with it saying no money was due. 
Since that time no money has been refunded, no principal has been taken off of my loan amount, interested has continued to incur on my loan, and I have not had a reply email or phone call from the company. 
I emailed them also on XXXX XXXX, XXXX as well as today, XXXX XXXX, XXXX with no response.

Company response to consumer: Closed with explanation