milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX/XX/XX/XXXXI received a statement from CITI and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) CITI continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by CBNA asking why a bill was n't being paid. At that time I was shocked to hear that I owed CITI anything and requested more information and an investigation about why or how I owed any bill. After being told by a CITI representative that there were no purchases made on the account I requested that the monies be returned to me which CITI initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask CITI to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested CITI to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue CITI for the egregious error they have made on my credit record. I had no derogatory information listed from CITI on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.

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 10/21/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (SC).
Issue: Account opening, closing, or management

Complaint: SunTrust bank not only charges you overdraft fees but after 5 days they charge additional overdraft fee. I have never heard of this nor has any other bank I have deal with does this. I think this is total unfair

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Hello, I am writing in regards to an old credit card account I had with XXXX XXXX XXXX. I held a credit card with XXXX which was opened in XX/XX/XXXX, then closed in XX/XX/XXXX. This account I held in good standings and was never late on a credit card payment. 
The account was closed due having to file a chapter XXXX bankruptcy on XX/XX/XXXX. The account was closed and I received a discharge in bankruptcy on XX/XX/XXXX. 
This account was included in the chapter XXXX, and discharged along with other debt. All of my credit reports list my public record and reporting of the chapter XXXX discharge. 
I actually had asked my attorney if I could keep this card open to rebuild my credit but was told I could not, and that it had to be included, as all outstanding debt needed to be. I wanted to keep this card as I had never been late, nor ever missed a payment on this account. I only know the last four numbers of the XXXX acct were XXXX. I have done very well since my chapter XXXX and have a 100 % payment history. 
This account is still being listed in my XXXX and my Experian credit reports. I have filed numerous disputes and have received no deletion of these reporting. They have also continued to update the accounts at last XX/XX/XXXX. They do not report anything about this account as far as my payment history which was perfect. It is listed as to just harass. I have gone to XXXX directly and the bureaus regarding this issue and nothing has been done. 
As stated this account was included in on my discharge. When you decide to file a bankruptcy it is a devastating report to your credit file in and of its own that lasts 7-10 years. This is the price you pay for what was done and is stiff enough penalty on its own however, XXXX has reported on this account as recently as XX/XX/XXXX and it is a violation of my discharge injection to report again on debt discharged in Bankruptcy. This account also because not removed from my report lists as a separate " NEGATIVE '' item, along with the bankruptcy therefore I am being penalized twice for this account. 
Can you please help me? As I stated I have disputed with the bureau and with XXXX so I am not sure how to get this error removed. 

Thank you XXXX 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 06-11-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent in Identity theft blocking packet including police report to all credit bureaus to remove the items that are n't mine. Now they have blocked my credit report and I ca n't pull it. I submitted the information via certified mail and all packets have been delivered and no response for equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A 'dunning ' letter sent from Credit Control , LLC was dated XXXX XXXX, 2015 and received by consumer XXXX XXXX 2015 which Consumer feels cuts deep into the XXXX ( XXXX ) day timeline allotted by the FDCPA to respond to the letter in a timely manner. The envelope the letter was mailed in was postmarked XXXX XXXX and received by consumer XXXX XXXX 2015. This attempt by Credit Control , LLC to violate consumer 's right to the XXXX ( XXXX ) day timeline allotted to dispute the debt falls under the Fair Debt Collections Practices Act ; Section 15 U.S.C. 1692e " false, deceptive, misleading representation ' and violates consumers rights. Furthermore, Consumer does not owe Credit Control , LLC a 'debt ' based on the FACT : Consumer has no fiduciary, contractual obligation to pay Credit Control , LLC ( or anyone acting on behalf of Credit Control , LLC ) anything. There is no payment history, nor products, or services that have been rendered to Credit Control , LLC, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact ', that will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will 'tender ' as evidence in a court proceeding if Credit Control , LLC ( or anyone acting on behalf of Credit Control , LLC ) pursues this matter. Consumer refuses to be a 'victim ' of unjust enrichment or extortion. Consumer thanks CFPB for providing this venue as a means of formal documentation. Consumer will file a state and federal lawsuit if Credit Control , LLC chooses to adopt their own agenda and ignore this complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have Wells Fargo Visa Credit card. As per the terms after spending $ XXX within 60/90 days one will get $ YY as the cash rewards. I have {$210.00}. When i tried to redeem it - it 's only letting me redeem in the multiples of {$25.00}. I want to redeem all. Trying to work with Wells Fargo since XX/XX/XXXX regarding this issue. They asked me to reach out to the Rewards Center ( 3rd party ) but they are also not willing to write me a check of {$210.00} and send it to me.
Nowhere it 's mentioned in the card member agreement that rewards can be redeemed only in the multiples of {$25.00}. Moreover other banks and credit cards also does n't follow what Wells is doing.

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 12/16/2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ability Recovery Services, LLC (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ability Recovery - a collection agency for XXXX University has been reporting a false debt to my credit report. I applied to go to that university and filled out all the documents per their instructions. They made it seem like I was being enrolled, but then told me they could n't accept my high school transcripts because the state of Indiana sends them electronically and they can only accept official hard copies of the transcripts from the state. After explaining this to them and even conferencing someone from the Indiana Dept of Education on the phone with them, they still said they could not accept my transcripts. They waited until I participated in an online class setting to tell me this. I 'm guessing this was to try to trap me into this debt by saying I participated. That was shady and should be illegal if it 's not already. <P/>Now, I 'm stuck with a debt that I have no idea is legal to be there. I never attended their university. They collected my government financial aid, but never accepted me or fully enrolled me. <P/>This is damaging my credit report and I will not pay a debt to attend a school I never attended - by their own admission when they said my transcripts were denied. I 've tried to dispute this through all of the credit bureaus, but to no avail. I have spent time and money for shipping costs to these credit bureaus and they are n't able to help me. The blemish on my credit is preventing me from obtaining credit from other places ; including getting a mortgage. <P/>I would urge you to request correspondence from XXXX regarding our conversations. They have them in their emails. They explained to me on multiple occasions that I was not fully enrolled because of my transcripts. <P/>The amount they 're trying to collect is {$2400.00} and I will not pay one penny to them. I 've been told this wo n't be removed from my credit report until 2023 and that is unacceptable. I do n't understand how a university can fraudulently collect debt this way and they already got federal financial aid in my name, as well. <P/>I need help in this matter. XXXX has been underhanded, greedy, and dishonest. Please help. <P/>I 'm enclosing an email stating they received an unofficial transcript and them requesting another. This is after I had to pay for the state to send the " unofficial '' ones. You can see clearly in the email that they REQUIRE an official hard copy, but per the state of Indiana Dept of Education, they do n't provide hard copies. I was never fully enrolled according to what they ( XXXX ) say that they REQUIRE hard copies of a document that I never provided. How can they collect on an account that never truly existed? <P/>Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Other debt) with WELLS FARGO & COMPANY (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: It has been 7 months trying to resolve a chargeback issue. Wells Fargo Personal bankers, Wells Fargo Merchant Banking and Wells Fargo 's collection agency can not resolve the issue and provide sufficient and clear documentation on what is owed, what fees were charged and why, and we still can not resolve the issue 7 months later. 

The departments have no way of working together to show what money was passed from my personal bank to merchant banking or to collections, or what was passed on from withheld funds in merchant banking to collections. 

Furthermore, I was charged multiple times for them randomly trying to extract money from my personal and business accounts, and then was charged for the rejected transactions on both the merchant banking and the regular bank. Furthermore, they charged me twice for the processing fees ( the chargeback had been once reversed ). 

No one has reached out with relevant information to resolve debt owed but is going to release the information to a third party to affect my credit even though I have been trying to resolve this issue for over half a year.

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 03-07-2017 about Credit reporting () with SYNCHRONY FINANCIAL (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I contacted Synchrony Bank and spoke with XXXX and asked for a credit limit increase for my furniture card. The representative never told me that he would be pulling my credit report ; and when I asked the representative if this would result in a hard pull and he informed that it would not ; yet, I received a credit inquiry on my XXXX account. I contacted the company and they informed that they do not have scripts that requires them to inform customers nor are they required to because it is in their terms and conditions. Had I received the correct information ; I would have NEVER had agreed to this. I have other synchrony accounts that they do not do hard pulls. So, when he confirmed that it would not ; I was okay with the result.

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 07/29/2017 about Debt collection (I do not know) with I.C. System, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection account is showing on my credit report from IC SYSTEMS. I have no knowledge of this company. I have never entered into a contract with this company. I disputed this account with the credit bureaus and has comeback on certain reports as verified as belonging to me. I have also requested written proof that I owe this debt. I requested via dispute, the name, address and phone number of the person that verified/validated this debt. To date, I have not received this proof. I am requested a signed contract showing that I have entered into some kind of agreement with IC SYSTEMS. I am in the process of trying to purchase a home and this collection is prohibiting me from that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Following the receipt of my credit report late last year from the XXXX, Experian and XXXX  consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my XXXX, Experian and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.

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 01/21/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XX/XX/2016, I became a victim of identity theft/credit fraud. Someone opened credit accounts in my name. I have since contacted those companies to have the fraudulent accounts cancelled. Yet the credit reporting agencies still show the incorrect information. XXXX shows the fraudulent address used to apply for the accounts. Equifax still shows the credit inquiries for the accounts applied for. Please correct the following information : XXXX - Please removed the fraudulent address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX EQUIFAX - Please remove the credit inquiries for the following companies : XXXX XXXX XXXX and XXXX XXXX Please let me know if you need any additional information. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with HARBORONE MORTGAGE, LLC (NH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: -In XX/XX/XXXX we started the application process with XXXX XXXX XXXX XXXX/Merrimack Mortgage for the purchase of our new home. 
-On XX/XX/XXXXXXXX had emailed the pre-approval letter. 
-On XXXX/XXXX/XXXX we notified XXXX that we had accepted an offer on 

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I called American Education ServicesXXXX for approximately a year to ask about getting a lower payment plan and I was told contradicting stories. I would call and was told that I did not qualify for any lower payments. Then, I would call back a couple of months later and be told that I could apply for a lower payment plan. However, when I would call to check the status of the payment plan, I would be told that I was given incorrect information. I was even given an application I was told to submit for a lower payment plan but, XXXX kept denying my application for failure to put " N/A '' in the blank spaces. My application was denied 3 times for failure to use " N/A. '' In the meantime, my account was falling past due and XXXX referred my account to a debt collector. The debt collector found my work information and left a voicemail on work phone. I had not provided XXXX any information about my employer and did not give them or any other third party permission to call me at my job! When I called the debt collector, I informed them that I had paid my account via XXXX and that they did not have the updated information. When the debt collector conferenced XXXX into the call, the XXXX agent confirmed that I made a payment but, then the amount that I owed changed. I also asked XXXX if they informed the debt collector that I had been calling XXXX asking for help in reducing my payments and asking if I could get help catching up and if XXXX had also informed the debt collector that I kept getting the wrong information and having my applications denied from XXXX. The XXXX Agent 's response was that there was absolutely nothing they could do for me and that I would have to leave my account in collection and then wait for XXXX to make a decision on my application. After the phone call, I called XXXX directly and asked about a payment plan once again, the XXXX agent told me that she reviewed the notes on my account that the agent from the previous call had told me the wrong information about not having any options. She told me that I had the option for a lower payment plan and said she would only need to read a disclaimer before I could be put on the plan. It was only after continuously having to call XXXX, having them send my account to collections and having them play games with me for a year, that I was able to get some relief. My credit has been ruined by XXXX and they seem unwilling to work with me often. I do not think it is right how this company lied about my options and my credit has suffered as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STONELEIGH RECOVERY ASSOCIATES, LLC (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I bought a car from  XXXX   XXXX   XXXX  and obtained a car loan, last year I struggled to keep up with the payments and the car got repossessed in    XXXX    2016   . Some time in  XXXX  a received a statement from  XXXX   XXXX  stating that they sold the vehicle and I owed them {$440.00} plus cents. Sometime in  XXXX  I received a collection letter from a third party collection agency stating that I owed  XXXX   XXXX  {$20000.00} and some cents, so I immediately contacted  XXXX  and they said they made a mistake and they sent me an incorrect statement and that I owe them the {$20000.00}

Company response to consumer: Closed with explanation