milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a  VISA Signature  credit card issued b  y Citibank.
I have enrolled for automatic payments of the minimum a  mount due to avoid late payment fees.     I usually pay the last statement balance to avoid interest charges.     The problem I am going to describe below is documented in a PDF file that contains a screen shot of the payments webpage of  Citibank  containing the pertinent information.     Yesterday,   XXXX   XXXX    2017 I lo gged in to the  Citi Visa w ebsite to pay my last statement balance. The webpage showed the minimum due, and the additional payment  ( {$1800.00} )  that had to be made to pay the statement balance  ( {$1800.00} ) . I submitted this additional payment, and the page showed " Remaining  Statement Balance Du e  XXXX - XXXX -2  017  {$0.00} ".      HOWEVER, JUST MINUTES LATER THE PAYMENTS PAGE ONLY ACCOUNTED PAYMENTS FOR {$1800.00}, WHICH TRIGGERS AN INTEREST CHARGE FOR PURCHASES.     I reported the problem at least 3  times ( and spent a substantial amount of time doing it ), and the agents always say that system shows that the minimum payment was not paid, which contradicts Citibank Visa own web page ( as you can verify in the above mentioned PDF ).      At the very least this is a software defect, and potentially it is a ploy to charge interest on purchases with the justification that the balance due was not paid

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 09/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Unsolicited issuance of credit card

Complaint: I was approach at XXXX airport by AMX personal asking me if I have Delta AMX card I told him yes, he ask me if its personal I told him yes, then he told me he can switch over to business and give me XXXX bonus miles, then I told him I do not wants to apply for new CC, he reply he is going to just change it to business not new, I got home see new CC with new account I called on XX/XX/2016 and complain AMX, AMX told me they will get back to me in 7days my ref number from AMX is ' XXXX Today XX/XX/2016 called AMX again and talk to supervisor name XXXX caller ID XXXX did not get response My compline is AMX rep. opened new account w/o my approval or lying to me and effecting my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Vehicle loan or lease (Loan) with EXETER FINANCE CORP. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The company? its you, you do all the reporting correct on credit reports well its you that made the mistakes I do not think its fair that i raised XXXX daughters by myself and i am still working 45 60 hours a week and for the first time i might stand a chance at XXXX buying my first home its a dream i have had for years. so i finally started to look at what is important and its my credit score and i want to fullfill this dream. Whenever i was late or couldn ; t pay something you make sure you waisted no time putting it on my credit report but gee when i finally work hard and do something good you do n't put that on there why is that not fair at all. 

exter finance says i still owe XXXX on all my reports it is paid i owe nothing XXXX XXXX credit card states i owe XXXX wrong its paid owe XXXX XXXX XXXX i owe nothing XXXX states i own XXXX wrong i owe XXXX so my credit used is not XXXX percent adn my available credit is not XXXX its higher new accounts is lpi personal unsecured loan XXXX no late payments XXXX XXXX paid XXXX XXXX XXXX pd XXXX XXXX XXXX pd XXXX still there and aes still there all those inquireies XXXX XXXX XXXX   XXXX XXXX XXXX i didnt do those i am trying to build my credit to get my own house not ruin it i did not do those i work with XXXX XXXX are they real or am i throwing my money away? please update asap i am waiting on you to have my dream. please its most important day for me to see my score go up and to get a house ... please

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Problems when you are unable to pay

Complaint: Filled out all required paperwork for loan modification. Sent it within the requested timeframe to USAA and now they are saying they did not get it on time, which is a lie considering the date time stamp on the fax THEY reference shows different. USAA is using bait and switch tactics that are illegal and have cost me lost money due to interest and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (FL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: O
n XX/XX/XXXX I enrolled in EquiFax XXXX program due to a concern about my private data being breached. I was asked to provide credit card information. On XX/XX/XXXX, I attem
pted to access my XXXX account- error message stating " we are unable to activate your account '' On XX/XX/XXXX, I called and self identified myself, yet I am still unable to activate my account. Supervisor XXXX in " Authentication Department '' was unbothered and lacked motivation for my Identity being compromised.
After self identifying myself via live conference with customer service, and online, I am still being told " we are unable to activate your account ''. I am concerned because my identity is potentially compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXX, XXXX, and Experian and told them that the inquiries on my report was not known or authorize. They said that they can not be removed because they are verified. They could not tell me how they verify the inquiries. I also did the online dispute.

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 08-08-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: XXXX XXXX I bought a car from XXXX XXXX XXXX, CA. Iwas a co-signer on a friends car and they let me purchase a cacar but I had to have that friend to co-sign for me and he wasretired. The interest rate was 23 or 24 % I took the car backnext day and told them I did n't want to purchase the car andthey would n't take it back or give me the down payment backCapital One financed the car I called and they told me theycould n't do anything about it. I have struggled to keep payingthe note. I had XXXX years pay off the car XXXX for aXX/XX/XXXX XXXX I just had to file chapter XXXX I did n't know whatto do Capital One could n't refinance the and no one elsewould neither. I already had bad credit and now it 's worseI just filed chapter XXXX in XXXX XXXX I feel like they should besending me the pink slip to the car in XXXX the car soldnew for XXXX. I have to surrender the car now theyshould be a shame of themselves to do people like thatI got played but I prayed for the enemy and now I 'm movingon.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Payday loan) with Home Loan Center, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from a collector saying i owe a payday loan from 2011 for XXXX. I never took a payday loan ever

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here is what I am disputing : XXXX XXXX XXXX XXXX # 1 The filing date that you have listed is NOT the filing date that I am looking at on the petition # 2 the docket # that you have listed is wrong : it is NOT the docket # that I am looking at on the petition # 3 the court that you have listed is wrong : " XXXX XXXX '' is NOT the name of the court and you must have the city and state listed

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 06-01-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: I received a letter from Citi BANK on XXXX/XXXX/14 its stated that they would not refund my money on the circumstances that services were rendered but the initial complaint was not that they did not provide service but the service was provided did not do as they promised, please ask the bank to provide me with documentation of every attempt at resolving this issue with the merchant on my behalf. I am very upset and irate & I need this to be taken cared of ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was unemployed twice, once in XXXX and once in XXXX. I am employed now, but have crazy daycare expenses as I am a lone parent with only {$XXXX} of monthly child support. After mortgage, childcare, transport, food, and child related costs ( clothes for eg. ), there is very little left. I have written, called, provided documentation, even copying the White House, to propose an amount I can afford. and I get met with bureaucratic resistance from AES. XXXX has extended a forbearance to give me time until my son is in XXXX. AES wo n't even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We are aware that on XXXX XXXX, an Agreement between XXXX mortgage servicers and federal banking regulators was realized that ended in the XXXX Foreclosure XXXX program for those servicers. This XXXX attained in XXXX includes an estimated XXXX XXXX dollars in cash payments to be distributed to borrowers whose primary residence was involved in a foreclosure process in XXXX or XXXX as reparations after regulators found that unscrupulous mortgage practices led to foreclosures across the country. 

Although the residence in question may not have been a primary residence, we still believe that fraud was committed as with a great majority of the foreclosures processed in XXXX or XXXX. This bank did not discriminate their unscrupulous mortgage practices based on residency being primary or secondary. During XXXX, we argued the validity and legality of the foreclosure, in which Wells Fargo finally dropped the case with a lack of evidence/documents that we requested. We feel as though we should be compensated for the erroneous foreclosure, as it impacted our lively hood just as much as any borrower. We feel that Wells Fargo practices was deceitful, that they should be punished regardless of the status of the house ( XXXX ). Illegal is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (Medical debt) with Alliance Data Card Services (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I advised Comenity Bank to cease calling me. They at calling everyone with my last name even my family members harassing them and phishing for information. The advised did not advised me my name was on the account and ca n't when I have no affiliations with the dental provider they mentioned. Why are they harassing me and my family! They were rather terse and asked if I had a lawyer in what I considered a threatening tone -saying it would be in my interests to call them. When I reached them the lady could not answer how my name is on the account. I asked if they were a debt collection agency they stated they were a BANK. http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX of 2012, I purchased a water heater from XXXX and paid with a check, when I got the water heater home, it did not fit where I needed it, so I return it, it 's over an XXXX drive for me, when I took it inside. The manager advised me that they could not refund me for 14 days ( until the check cleared ). So I left the water heater there and did a stop payment on the check. She wrote me a receipt of returned item which I kept for several month but now it 's been over 4 years and I find on my credit report a collection for this stop payment check. I disputed the item and after investigation which only took about a week I was told it was confirmed. XXXX should have never collected on this check through the third party that guarntees the checks because the item was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: Complaint against : Citicorp Credit Services, Inc-XXXX 

I submitted a billing dispute request against a retailer which Citicorp responded on XX/XX/2016 requesting additional information/documentation/evidence of my dispute ; which I followed up on XX/XX/2016 with all requested documentation. 

Apparently it seems they made a decision ( in favor of the XXXX ) not to honor my dispute request without viewing the requested evidence. Nor did they bother to inform me of this decision. 

When I phoned the XXXX Department to follow up I was informed at that time of their decision which I requested to speak with a Supervisor due to the lack of respect and Customer Service provided.

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 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This acct is showing a miss payment as of XX/XX/XXXX this acct has been closed since XX/XX/XXXX and some has ever contacted me about this acct!!

Please remove this from 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
Consumer complaint received 04/25/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (UT).
Issue: Fraud or scam

Complaint: I received a phone call telling me my grand daughter was in an accident and needed to get home. They even put a girl online that sounded just like her. She needed to pay the rental car {$650.00} so that she could get home. They kept calling to get more money. This is when I realized something was not right.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I called in to Experian ( spoke with a female Rep. name XXXX ) to dispute some incorrect addresses, names, and a SSN that was listed under my personal information and she refused to properly verify my dispute and correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (I do not know) with USI Solutions Inc. (MI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Several people from this place called my phone and my husbands, claiming to be working for XXXX XXXX and XXXX XXXX  connections wanting me to pay an old XXXX XXXX debt. I asked them to send this in writing. They did not. They tried several times to collect money from me over the phone, saying that it was not handled properly and that I owe XXXX XXXX a lot of money. They said I have to make arrangements. I was connected to several different people. I am XXXX and would appreciate them leaving me alone when I asked them to. I asked for something in writing and they said they would but instead keep calling up to 5-10 times a day telling me to call immediately.

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 12/23/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Settlement process and costs

Complaint: Please refer to attachment for my initial dispute regarding Wells Fargo 's explanation of an FHA application as " Not Part of the closing documents '' It was done in " Good Faith '' First of all, I have a binded portfolio of ALL THE CLOSING DOCUMENTS along with HUD 1, HUD 2 etc. Each of the numerous documents including the HUD 1 and HUD 2 list the " Mortgage Insurance Case Number : XXXX. '' One of the loan numbers submitted by XXXX in an earlier response to my concerns lists XXXX as one of the numbers assigned to the FHA/HUD mortgage. XXXX states that the FHA CASE NUMBER is located in one of many data bases. 
( I will also be disputing IV Acknowlegment and Agreement as stated on the FHA application and VIII which is Information for Government Monitoring Services ) The very first sentence in VII : Each of the undersigned specifically REPRESENTS TO LENDERS AND LENDER 'S actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors, and assigns and agress that 1 ) the information provided in this application is TRUE AND CORRECT as of the date set forth opposite my signature and that any INTENTIONAL or negligent misrepresentation of this information contained in this application may result in Civil Liability, Including Monetary Damages TO ANY PERSON who may suffer any loss due to reliance upon any msreprsentations that I have made in this application and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, sec.1001 et seq. 



The very first line contained in VII starts out stating " The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the Lender 's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws.

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 03-10-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allegedly XXXX claims they have sent me notifications in the mail about a debt that happened 9 years ago, I have n't received such notifications. They have started calling me while I am at work. Once on XX/XX/2017 at XXXX EST and once on XX/XX/2017 XXXX EST. I then called back and asked if they would stop calling me until after XXXX, the woman on the phone was persistent about the debt, and would n't let me speak. Things escalated and the conversation was getting heated until I pleaded that they contact me after XXXX, she rudely agreed to and sarcastically wished me a nice day. 

I am concerned they have my work number and not just my cell phone number. I want this to stop before it turns into full on harassment. I intend on sending a cease and desist letter that states my rights under the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Call repeatedly. When phone is answered they disconnect ... then will call again later ... multiple times daily. No collections outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: IC Systems reports that I owe XXXX {$100.00} and this acct was opened on XX/XX/XXXX. This is simply not true. I never opened up a XXXX account last year or the year before that. I did have a XXXX acct in XX/XX/XXXX but that was nine years ago. I have sent them several letters via US Post demanding they either produce evidence that I did open an acct in XX/XX/XXXX or remove this inaccurate information. They simply do n't respond or write back, and every month they keep reporting this. Please help me

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 04/29/2015 about Credit card () with Law Office of Michael J. Scott, PC (TX).
Issue: Billing disputes

Complaint: On XXXX XXXX 2015 a representative from MICHAEL J SCOTT PC came to our house to serve us paperwork, first of all my neighbor saw them outside my home taking pictures of our house and automobiles!! this company has not contacted us to arrange any type of repayment plan to solve this situation, we are not saying that we dont owe the debt!! but its not what they are saying we owe, we havent received anything in the mail from them regarding the debt from XXXX XXXX, XXXX!! we are willing to pay the charges that we acrrued but not the balance they say we owe.If they can send us something in the mail in regards to repaying what we acrrued So that we can work toward getting this matter taken care of we would appreciate it.

Company response to consumer: Closed with explanation