milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Dear Representative, First of all the statement that Citi sends does not show amount remaining on any balance transfer offers which in my opinion is deceiving. Anyway Citi sent me a statement for the billing period XX/XX/XXXX - XX/XX/XXXX with a balance of {$1500.00} owed ( statement evidence enclosed ). This is the total outstanding on my part including my balance transfer offer XXXX, then I make a payment of {$100.00} onXX/XX/XXXX and another payment of {$1500.00} on XX/XX/XXXX totaling to {$1600.00} ( statement evidence enclosed ). Essentially the last statement outstanding balance was fully paid i.e. including the balance transfer. So now after two months what happened is that in the latest statement ending XX/XX/XXXX I noticed interest was charged to my balance transfer offer XXXX. On inquiring I was told that I still owe {$270.00} under balance transfer XXXX. I dont understand how is there an outstanding balance now?? This is just very deceptive because Citi sends me a statement showing {$1500.00} I owe and I pay {$1600.00} against it and now after 2 months my balance transfer offer XXXX still shows that I owe. This is totally ridiculous!! I have been going back and forth with them without any solution. I need your help in getting this sorted out please! Best Regards, 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 12/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan servicing, payments, escrow account

Complaint: in XXXX I tried to get An afordable payment via Hardship I qualified for Thru HAMP Wells Fargo Claimed my Loan # XXXX originated in XXXX of XXXX and I could not Qualify. They Solicited That XXXX step Mod. They changed my loan Number so they would have Their deceptive Proof. They drug the process out for 4 years and tried to take my home, I had to file a petition of Bankruptcy to Stop Them. Finally in XXXX of XXXX they gave me another Payment of {$1000.00} per month. I am XXXX and only get XXXX per month. They claimed i make XXXX. They also added {$42000.00} to the end of my loan. This is all Predatory. They are nationally known as being Crooks. Why Cant YOU 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 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: THERE ARE INQUIRIES DONE ON MY CREDIT THAT I DID NOT AUTHORIZE. WHEN CONTACTED CREDIT BUREAU BY PHONE THEY STATE THAT THE INQUIRIES ARE VALID AND THEY DONT HAVE TO PROVIDE PROOF FOR THE INQUIRIES. I HAVE NOT DONE ANY INQUIRIES ON MY CREDIT IN XXXX OR XXXX. THESE INQUIRIES NEED TO BE REMOVED FROM MY CREDIT ASAP. I SHOULD NOT HAVE TO WAIT 2 YEARS FOR INQUIRIES TO BE REMOVED THAT I DID NOT AUTHORIZE NOR DO.

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 12-05-2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I been a customer of XXXX for ten years and in about XX/XX/XXXX one of XXXX customer service agents in they questionable pitch go me to open a XXXX credit card I did but I closed the account within 30 days as instructed if I no longer wanted that service. I had order several items a phone, printer and paid them off through my XXXX online website account to that company instead paying debt off to XXXX XXXX XXXX [ hereinafter " XXXX '' ] contracted by XXXX for the said credit card. then abut XX/XX/XXXX, started getting ls from XXXX stating that owe a erroneous balance of XXXX on a count I had closed within prescribed time to avoid such complications. I called XXXX to complain about this issue they told me to write a letter disputing charges I did to prevail the next month in XX/XX/XXXX billings invoices continue arriving. So called XXXX to tray to get them to intervene & resolve this issue through a 3-way phone call which was futile because XXXX customer service Reps just abandoned & left me to the misleading and unscrupulous conduct of XXXX. I had spotless record of paying my debt with XXXX and it is my contention that XXXX is at fault here for XXXX   XXXX onto their loyal customers who are then taken advantage by the deceptive business practices of XXXX. I threatened to get an injunction from the XXXX District Court of New York Court to cease the unlawful credit card practices by XXXX which just ignore me and in the event this agency does nothing I ight have to take court action option filing a pro se complaint in the matters discussed here. I am XXXX years old XXXX XXXX XXXX who need s assistance from these alleged abuses. These issues are causing me in-necessary emotional/mental duress and potential economic injuries. I hold XXXX equally responsible for the problem because their greed in getting some sort of financial kick back from taking advantage of unsuspecting victims as my self and should be held responsible by this agency or any other responsible agency or court of law for the deprivation of an apparent 14th U.S. Const. Amendment violation, of the Equal Protection & Due process Clauses.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX XXXX payments XXXX, XXXX and XXXX for {XXXX Charge off. This is not my account. We never received statements but learned this was on my credit report in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a Santandar charge off on my credit report that has an address that is not mines and I have never lived at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Management Services, Inc. (NE).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had XXXX XXXX bills that with XXXX and at the time I was un-employed and actively seeking work. They could not work with me on payments and thus turned over to CMS ( credit management services ). 

CMS never contacted me properly and I contacted them after finding it on a credit report. I was willing to make payments but they would only take payment in full and nothing else. If I had the pymt in full it would have never went to collections, as I acknowledge I owe the debt. I tried a number of times to rectify the situation ; however, they continued to tell me pymt in full only. I was then subpoena 'd by mail ( with no date or time information ) at the end of XXXX 2014. I called them immediately and stated this was un-necessary as I am willing to make payments. Yet again, payment in full only. I then asked when was I to appear in court and they stated they could not give me legal advice. I stated this is not legal advice as I only want to appear to defend myself. The were of no help and quite deceptive. So I obviously missed my court date and then received a judgement against me at the beginning of XXXX. I called them the same day XXXX received the judgement and I found out that XXXX again the only thing they will take is payment in full and they already know where I bank and have a court order to garnish accounts. 

I really feel that this is highly un-professional as I am willing to pay, but I have not options to do this in full. They did give me a suggestion to borrow from family ; however, you see I can not do that as my family is small and on limited income. They also asked me to get a loan to rectify the situation, but you see I have no collateral do do a loan and do not have the credit to do an unsecured loan, either. This really puts me in a bad spot and I was willing all along to make pymts. 

I feel this company is extremely unfair, unreasonable, and quite un-professional in how they conduct their daily operations.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I filed a complaint against Equifax on XX/XX/2016 with the CFPB # XXXX. They and said they needed 30 days to investigate. 30 days is up. No contact from them and no credit report. what do I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Midland Funding, L.L.C reported the same debt of {$2600.00} ( A charged-off XXXX Card sold to Midland Funding by XXXX ), as " Collections '' to XXXX Credit on XXXX/XXXX/2016, and then reported it again as " Collections '' to XXXX on XXXX/XXXX/2016.
This debt was then reported as a " New Account '' to XXXX Credit on XXXX/XXXX/2016, and then reported again as a " New Account '' to XXXX on XXXX/XXXX/2016.
I believe Midland Funding is in violation of the Fair Credit Reporting Act as Midlands DID NOT prevent re-aging ( inaccurately changing the date of the first delinguency on a consumer 's account to a later date ), and duplicate reporting.
In addition, I received no written notice of this adverse posting to my credit report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: SOUTHWEST CREDIT KEEPS CALLING MY CELL AND PARENTS PHONE IN VIOLATION TCPA, THESE ARE ROBO CALLS AND HAVE VOICE AND CALLING LOGS ETC.. 7 CALLS IN 3 DAYS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/19/2016 about Mortgage (Conventional fixed mortgage) with PRICE FINANCIAL SERVICES (PA).
Issue: Settlement process and costs

Complaint: I had submitted an application for a residential mortgage in the beginning of XXXX. I promptly replied to all requests for information. The loan was scheduled to close in XXXX and never did. I continued to receive requests for information that I again promptly replied to. This continued until XXXX when the loan was schedule to close. Ten days prior to closing the amount I intended to borrow was reduced. We were so far along in the process I agreed to the reduced amount. I asked several times for a closing sheet and did not receive it until the day of closing just a few hours before we were scheduled to close. The loan was supposed to not have any origination fees. Upon reviewing the closing document they had included a substantial origination fee. I have owned my home for over 20 years and refinanced several times. I have never encountered anything like this. I feel I was taken advantage of and I was not able to close. I am going thru a divorce and I was looking to refinance in an effort to buy my wife 's share of our marital residence. This has created a tremendous amount of stress around and already extremely stressful situation. As a result of the delay the rates have gone up which will result in a substantially higher monthly payment. Any help would be greatly appreciated. 
Thank you in advance for your assistance. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a public record judgement on my Equifax report. It was paid and should be removed. The other XXXX bureaus have already removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (WV).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I traded my XXXX Honda fit in at a car dealership. The payoff was not made in time and the lender American Honda finance reported to the agency I was late and did not make my payment. This made an absolute terrible mark on my credit score. This trade in was nearly a month ago and since then the car has been paid off finally by the dealership on XXXX XXXX  2017. However American Honda finance has also never updated the report and they still show my account as being open although the car has been paid off which is still making a direct mark on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by TRANSUNION, EXPERIAN and EQUIFAX. I have reached out to customer service at TRANSUNION, EXPERIAN and EQUIFAX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

TRANSUNION - XXXX BANK DE - XXXX XXXX XXXX XXXX BRKS - RDP - XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX SYNCB/WALMART - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX XXXX XXXX EXPERIAN - XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CARD - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX & XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX WORLD FINANCE - XXXX XXXX XXXX SUN LOAN COMPANY - XXXX XXXX XXXX XXXX MAIN FINANCIAL - XXXX 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 06/14/2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX home loan servicing assigned a XXXX balanced loan to Nationstar. 

After transfer, to date Nationstar claims more than {$110000.00} is due.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I signed up for american express business platinum card. the offer is to give me XXXX points when I spend XXXX. 

I have reached the min spend and was only given XXXX. I submitted a case ( case number XXXX ). It was closed WITHOUT my knowledge. I had no idea they had close my case without giving me any explanation. AMEX has refused to give me the rest of the points.
Each time I reach out to american express, they would try to tell me I already received the points when I have not. 

I have even provided the mailer RSVP code for the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Transunion Credit reporting agency on Thursday, XX/XX/XXXX. After being on hold for at least 15 minutes, I spoke with one of the Reps. about several Hard inquiries on my credit report that I do not recognize and appear to be UNAUTHORIZED. The Rep from Transunion told me that the inquiry was a " Statement of fact '' and that it could not be removed. I explained to them under the fair credit reporting act, they must verify each item I am disputing and if they cant, under the law, all inaccurate information must be removed. ANY. I was basically then told to have a nice day and the call ended. I am now filing a complaint with you to take swift action. I am requesting the following items be removed from my credit report as it is hurting my ability to maintain my true credit score and my ability to get credit that I deserve. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please make Transunion follow the law and make them remove these hard inquiries from my credit report. Thanks very much!!!

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 11/20/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Yes, I have disputed this issue to the credit reporting companies and also written to the collection agency that placed the information on my credit report. Three times I have written to the collection agency with no response. The collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX and the negative collection is reflected on my Experian and XXXX credit reports. And based on what little information I 'm able to gather from the XXXX reports it has something to do with XXXX. The fact is I have never purchased XXXX service. I would like this matter resolved or information regarding this service so that I may resolve it myself. I have been a victim of identity theft and this may be another account that I have to get cleared. 
Sincerely, 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 non-monetary relief
Consumer complaint received 01-08-2018 about Payday loan, title loan, or personal loan (Installment loan) with WLCC (CO).
Issue: Problem when making payments

Complaint: I mistakenly provided the Routing Number used for Wire Transfers with my bank. I called XXXX XXXX to try and obtain simple answers. I spoke with a gentleman named XXXX that stated he was the most Senior Customer Service Rep within the Agency. He was extremely insulting and rude. He continually stated he was sorry for hurting my feelings. He then continued to repeatedly insult me over the phone when trying to answer simple questions. He stated that after my funds were returned to them i would no longer have a loan. This is troubling because i was approved for this loan. I was under the assumption that a decline was an adverse action i would need to be notified of. He continuously insulted and rudely answered the question with. I wo n't tell you anything else until Wednesday. I can tell you the loan is not yours anymore was stated after going back and forth with simple questions. I was unaware that XXXX had the ability to take away a loan I 've been approved for over my questions. This company also does not even require representatives state their name when answering calls. I had to prod and continuously ask XXXX for his name. XXXX XXXX was unable to provide a confirmation number for the now supposedly declined loan i was approved and signed loan documents for. 

He also continued to refuse to answer questions about company policy and refused to help highlight where within my loan documents it states that if the loan is returned i can no longer have the loan. He was also unable to tell me if i will need to re apply for the loan by resubmitting my application for decision? 
I was also told that applying for the loan would require an inquiry on my credit, but XXXX stated that my credit was never pulled in the process of applying for the loan. That 's very concerning as I would hope a Financial Institutions most senior employee could highlight and answer my simple questions.

Company response to consumer: Closed with explanation