milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other

Complaint: I have a Citi XXXX credit card with Citibank (Citicards CBNA). When I first got it, I received a phone call (possibly in XX/XX/XXXX) from a service representative that my payment was severely late, and they offered to set up automatic payments right there over the phone. I provided them with checking account information in order to do so. This recurring minimum payment has continued being taken from my checking account ending in XXXX every month, even when I have already paid over the required minimum with other payments.

I am in the midst of a divorce, and soon will not have access to the checking account that this persistent payment is being taken from. In XX/XX/XXXX, I attempted to get the payment removed since I'd set up a new and different automatic payment from my new checking account (ending in XXXX). The old scheduled payment can not be modified through the website, and numerous customer service reps I've talked through over the phone say that they have removed it and it is no longer visible in their system. On repeated calls after the scheduled payment was still listed as active on the website, I was advised to completely remove the checking account ending in XXXX from being listed on the account as that would prevent the payment from being taken. Despite these assurances, the payment was still taken out in late XXXX on schedule just as it had been for almost two years from the checking account that I do not want to be accessing.

Citibank should not be allowed to take money from a bank account that I no longer wish them to, they should not put the onus on me to call repeatedly to try and get it fixed, and should not give me assurances that they are addressing the manner when they are clearly not. They are wasting both my time and energy. The kicker is that after looking at my credit report, there is no record of any late payments on this card at all! I now question whether or not I was actually late on the card in the first place, and what Citibank's motivation was behind the initial phone call to set up this payment setup that they refuse to remove.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I was shocked when I reviewed my credit report and found inaccurate items. 

Creditor : XXXX XXXX XXXX ACCt # : XXXX I do not have a debt with XXXX XXXX XXXX and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of 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 02/25/2017 about Consumer Loan (Vehicle loan) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX at XXXX am I called to make a payment on my car loan. I told the customer service representative that I would like to make a payment on my loan and she said XXXX I have your loan number. I provided the loan number to the representative and she indicated that it was a XXXX account number and I had reached Huntington National Bank. We sent the information about your new number on Friday with your new loan number, have you not received it. I indicated that I had not received it. 

The representative was not friendly and had a tone when I was not a Huntington National Bank customer. I provided my SSN and the make and model of my car. She said that my payment would be 30 days past due, I indicated that 30 days would be on Monday and this is Saturday. They said that they do n't process payments on Saturday and it would reflect at END OF DAY Monday. I volunteered to bring cash into a branch and she indicated that it would not change anything. 

Why are they open on Saturdays and accepting business if they do n't apply payments or deposits on Saturday? XXXX could take deposits and apply payments on Saturday. This is unfair and deceptive, I did not ask to be a Huntington National Bank Customer, I was very happy at XXXX. Now a big conglomerate bank has purchased my bank and they do n't give enough notice to tell me that the practices have changed. 

I want Huntington National Bank to not put a bad mark on my credit for this payment as I do n't believe that there was timely disclosure that I would be moving to a bank that is OPEN on Saturday but does not apply payments or deposits on Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: XXXX XXXX offered me a chance to receive a secured credit card with an opening deposit twice and I was denied both times. I was n't planning on applying for anything during those times as I was repairing my credit. I applied because I was allegedly pre-approved. That 's not fair to the consumer. Neither XXXX XXXX nor the 3 credit bureaus ( XXXX, Equifax, and XXXX ) will honor removing the inquiries even though I was solicited by XXXX XXXX. The FACTS states inquiries can only be pulled under certain conditions and " firm '' offers are one of those conditions. Here is a reference to the code under ( c ) ( 1 ) ( B ) ( I ) : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I requested account verification from Kohls department stores via certified mail and to have them mark my account as disputed with credit agencies within 30 days of receipt of my first letter per the FCRA. They have failed to provide me with a contract bearing my signature to verify the debt, and they failed to place the account as disputed with the credit agencies. I have the certified receipts and the dated credit reports to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Medical) with Credit Service Company, INC (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have initially been improperly notified of a debit not only being transferred, but I was sued without being given the demand letter after asking for a copy multiple times. I had a pretrial conference date originally scheduled XXXX XXXX, but it was changed to XX/XX/XXXX. Upon requesting the minutes from the court session on XX/XX/XXXX, it was stated on court issued documents " DATE OF XXXX/XXXX/16 GIVEN BY THE CLERK IN ERROR. ATP WILL DO AMENDED NOTICE OF NEW PRETRIAL DATE ''. On XXXX/XXXX/16, I received a judgment from the XXXX XXXX county courts contradicting the court minutes to reschedule the pretrial date. As has been the case with the plaintiff, they are not following the rules or keeping with what they have told the court they will do. I would like to see my court case that was held in error ( per the clerk ) be vacated so that I am able to have my day in court. Once agin, I want a copy of the demand letter that I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with U.S. BANCORP (VA).
Issue: Credit determination

Complaint: I used Elan Financial 's XXXX XXXX to inquire about a credit line increase. Their poorly laid out website was missing vital information to allow me to make an informed decision which resulted in an unauthorized hard credit inquiry. There was not adequate disclosure that a hard inquiry would occur if I used their website. I did not authorize a hard inquiry. The website was confusing and did not state ANY inquiry would be made. They made a decision ( which I 'm fine with - I take offense to the fact they did a hard inquiry without my permission. I would not have proceeded if I saw that a hard inquiry was going to occur ). After their decision, they sent me a denial letter and XXXX of the reasons for their decision was that they did not have my last two year tax returns to verify income - but there was nowhere to submit them online or an effort by Elan to request the tax returns. Clearly, they have no controls in place over their website information intake process. I am confused why they would of done a credit inquiry if they did not have the information necessary to make a decision ( the 2 years of tax returns ). 

I have never missed a payment on any of my credit cards ever and had XXXX +year history with XXXX XXXX the company that ELAN financial purchased my account from. I also have XXXX XXXX and XXXX branded credit cards and they clearly state when a hard or soft inquiry will be conducted explicitly on their website. 

I called the number on the letter, and said I was making an oral complaint and wanted the inquiry removed. The woman I spoke to said they could n't take oral complaints and could not help me. I pressed her and she put me to an escalated representative ( XXXX XXXX XXXX ). XXXX could do nothing for me either. I asked him where it clearly said in the letter sent by Elan that it requested the tax returns. His response that one could assume from the letter because they put their mailing information on the letter. 

Correspondence from financial institutions to their customers should be clear and concise. There is no room for assumptions. I told XXXX I would be escalating to the CFPB and he did not care. I did ask him if he knew who the CFPB was - could n't tell if it was training issue or what. He suggested I write a complaint the office of the president in ND. 

I take my credit very seriously. Elan Financial is not on par with its competitors when it comes to technology which resulted in an unauthorized hard credit inquiry. I wonder how many other people have had this happen. I want the hard inquiry removed from my account for all credit bureau agencies. 

I would also suggest clearer disclosures on their website and better training off their associates with respect to credit reporting.

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to XXXX XXXX dealership on XXXX XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XXXX XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XXXX XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. XXXX and Capitalone financial departments opened cases to look into this situation. XXXX XXXX and XXXX department refused to, claiming they could not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On   XXXX   XXXX   XXXX  , I received a letter from TransWorld Systems on behalf of   XXXX   XXXX   in   XXXX   XXXX  , Arizona seeking payment of {$7400.00}. Given I knew I owed   XXXX   XXXX  l {$74.00}, this was surprising.
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I called   XXXX   XXXX   and they confirmed my balance was only {$74.00}. I paid that {$74.00} owed to   XXXX   XXXX   and they confirmed the extremely excessive amount TransWorld Systems was an error. At that time,   XXXX   XXXX   said the account was n't in collection, but they only contracted TransWorld Systems to conduct a, " letter notice. '' They explained that TransWorld Systems would only be sending reminder letters to me about the debt. There would be no phone calls. There would be no report to Credit Bureaus. I was also told by   XXXX   XXXX   that they would notify TransWorld Systems that my balance was  XXXX .
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On  XX/XX/XXXX  at   XXXX   XXXX  ., MDT, I received a call from TransWorld Systems which was identified as, " an attempt to collect a debt. '' The debt in question was the aforementioned {$74.00}. I told the caller I had paid   XXXX   XXXX   and to not call me again.
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On XX/XX/XXXX , at   XXXX   XXXX  ., MDT, I received a second call from TransWorld Systems which was identified as, " an attempt to collect a debt. '' The debt in question was the aforementioned {$74.00}. I told the caller I had paid   XXXX   XXXX   and to not call me again. I pointed out that repeated calls about this, especially twice in a day, and especially twice in a little over an hour was harassment. I also told the caller than any further communications regarding this matter must be only in writing. My response to the harassment by TransWorld Systems and   XXXX   XXXX   was to file this complaint for : Attempts to collect a debt which was already paid, Repeated phone calls about the debt which was already paid, The refusal or failure of   XXXX   XXXX   to notify TransWorld Systems that the debt was paid, and, The misrepresentation by   XXXX   XXXX   that the involvement of TransWorld Systems was, " only a letter account, '' when clearly it was not.
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Attached please find the record of this payment provided by   XXXX   XXXX  . It is reported to be directly from   XXXX   XXXX   XXXX   ledger regarding my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (DE).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: 2 weeks ago I applied for a XXXX XXXX XXXX XXXX XXXX Card and was approved for it. The advertised rates were 13.99 % to 23.99 % based on credit worthiness. Given that my most recent fico score at the time of application was over XXXX ( around XXXX or so according to the data obtained by PNC from XXXX and sent to me in a letter to my home address ), my debt to income ratio is about 26 %, my credit card payment history was rated excellent, ( according to the most recent free credit report that I received ) I expected that the purchase APR on the card would be a lot closer to 13.99 %, say 15.99 %. Instead, the confirmation page of approval indicated that I would be granted an APR of 17.99 %, which I thought was pretty high. Upon activating the credit card however and finding it in my online banking portal today X/XX/17, I  saw that the purchase APR is actually 19.99 %. I called PNC 's customer 's service number at XXXX and its underwriting team at XXXX a few times to get quantifiable metrics about how this APR was arrived at and no one gave me an adequate response. I was bounced back from customer service to sales back to underwriting team who told me they had nothing to do with the APRs, which I thought was surprising. I do n't want to cry unfair credit card practices, but there 's something misleading in the advertised rates if a customer with my profile can not get close to 13.99 %, but instead I 'm offered a rate far above the median of this range.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I am an attorney with a law practice in XXXX. I am familiar with fraudulent offers, etc. Recently I found out through my CPA office that someone fraudulently filed an federal income tax return for 2015 to claim my refund. Fortunately the IRS picked up on this and with their help, today over the phone the fraudulent return was denied. About two weeks ago, I also received what appears to be a fraudulent offer from netSpend, XXXX, TX XXXX. They sent me, without my applying, a debit XXXX card in my name with instructions on how to activate it and to have money placed in it directly from my employer. I am hopeful I can attach a copy of the flyer to this complaint. If not, I would like to send it to you at some point. My wife and I both checked online and found numerous complaints about XXXX 's bad business practices. There was even an instance where the owner of a card that was not activated, was charged fees on his card and it was reported to a credit bureau that he had an outstanding debt to the netSpend. I tried calling their customer service number and could not speak with a live person. They only wanted my social security number or the card card account activated, both of which I refused. I want this card account terminated so that no charges or fees can ever be placed on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Simon’s Agency, Inc (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: simons agency was supposed to remove negative info from credit reports per the CFPB investigation they did not!    XXXX   XXXX  requested they remove and they did not " The original placements provided by our client were submitted in  XXXX   XXXX . Additional placements were sent in  XXXX  and  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX . Each placement was followed by a letter to  XXXX   XXXX  at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach  XXXX   XXXX  by phone there has been no positive response to any calls. He is claiming that  XXXX  has refused to accept payment arrangements but the file notes from  XXXX  indicate he would follow up with his insurance. There are no file notes between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  when he disputed his credit report tradelines and Simons confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from  XXXX   XXXX  credit report ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: We were notified that our escrow increased by {$71.00} per month when our insurance was reduced and our taxes showed only a {$20.00} per year increase. I called Mr. Cooper twice and yesterday was placed on hold for more than 40 minutes and they did not provide a reasonable answer. Our original mortgage holder was XXXX and in XX/XX/ were notified that our mortgage was sold to Nationstar and they quickly changed their name to Mr. Cooper. XXXX sent us the annual Escrow Account Discloser Statement in XX/XX/XXXX and they showed a escrow surplus of {$46.00}. Mr. Cooper claimed that they mailed us a XXXX on XX/XX/XXXX but we never received it. I asked why we were being charged the extra {$71.00} per month and they could not give me an answer. They told me they needed to place me on hold while checking and they never came back to the phone. The escrow specialist [ XXXX ] told me that she was located in Texas and I told her several times that she was very hard to understand. She continued to apologize but did not provide a reasonable answer. She then placed me on hold and never returned. Finally I was forced to hang up when the battery on my phone signaled low. Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I joined the United States XXXX in XX/XX/XXXX and was stationed in XXXX, Washington. I am from XXXX, Georgia. I XXXX to XXXX XX/XX/XXXX and did not return until XX/XX/XXXX. I was told this XXXX tax lien should not be on my credit report and it was wrongfully filed on my XXXX and Transunion credit reports. Please help me take both of these tax liens off my credit reports. I am trying to buy a house and every company is telling me they can not extend credit because of the tax lien.

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 03/30/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: My son died in California XX/XX/2017 now since my sons account has been suspended they say they can not do chargebacks on charges that happened after his death. His account has been debited up to 5-times since his death. Nobody else had his debit card.

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