milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: BBY/CBNA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : 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 BBY/CBNA 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 : BBY/CBNA 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 XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX 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 05/29/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Received calls and mail correspondence from First National Credit Bureau in reference to a 2004 XXXX debt that was a result of identity theft but was sold to XXXX XXXX and now has been sold to FNCB. This debt has not and can not be validated. I 'm requesting assistance in handling this matter properly and swiftly. This is considered junk debt being that it is XXXX years old and besides it was opened in my name without my consent. I have attached the original police report and letter I received from the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Payday loan () with Global Recovery Group (TX).
Issue: Can't contact lender

Complaint: Global Recovery Group contacted me about a payday loan they claim was taken out in my name. The XXXX data provided by Global is not mine and I unequivocally deny having taken out a payday loan or similar. Additionally, there has not been an attempt to collect from the payday loan company at any point. The " loan '' is not listed on my credit report nor have I received any notification from my credit monitor that a payday loan was applied for or given. I believe this to be a scam to collect on a non-existent or fraudulent loan.

Company response to consumer: Untimely response
Consumer complaint received 06/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am so very upset that I was submitted to a credit agency - Pioneer Credit Recovery from Navient. I made payments to Navient online. I asked for deferment and and forbearance and they said no. I made payments online It was then decided that there was a wage garnishment and I could not cancel the wage garnishment. I want to add the mediator that was included was paid by Pioneer Credit and I felt was biased in their determination. I am asking for a swift review please and reconsideration of this wage garnishment.

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 09/15/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: To Whom It May Concern : I am writing this email to detail my unfortunate incident with your bank. I had an active checking account with your bank for about 3.5 years until XX/XX/XXXX. My account was used to directly deposit my paycheck. I received an email from Wells Fargo on XX/XX/XXXX that stated that my account had been closed due to inactivity. There was never any warning or correspondence with me prior to this happening, so it was a total shock and surprise. To further complicate matters, I was to be paid from my job on XX/XX/XXXX via direct deposit. I did visit the local branch to investigate further and was treated with a great deal of indifference. I was told that the closing of my account was due to inactivity during the month of XXXX and a XXXX cent overdraft. I explained that I am a XXXX XXXX and that there is always very little activity on my account in late XX/XX/XXXX and XX/XX/XXXX because we do not get paid in the summer.
My paycheck is now floating in cyberspace because of your bank 's actions. I am completely dissatisfied with Wells Fargo and will never again do business with you. I was treated in such a disrespectful manner and there seemed to be no recourse for the problem of closing a customer 's account without prior notification. If there is any legal recourse, I will definitely consider using it.

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 10-05-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (UT).
Issue: Using a debit or ATM card

Complaint: The issue here is that we have been wronged by XXXX. Along with numerous other establishments and their flagrant misrepresentations. The monies paid to your company were taken under false pretenses. On XXXX XXXX, 2014, they charged me {$4900.00}. This was on my bank statement. They did say they were doing my advanced marketing. I was definitely taken advantage of by these people because I had no phone number or any means to get back in touch with them. I do not want to do any further business with them and request a refund. I am very uncomfortable working with this and at this time would like to cancel these services and demand a FULL refund of my money. The company is non responsive to calls, complaints and letters. I have reached out to my banking institute and supplied them with all the information that was in my possession. They advised that I did not. I called and advised Citibank that it was n't a billing error, that I have a contractual agreement with the above referenced merchant and that I was allowed to file this under " services not as described '' up to a year from the date of the original transaction in accordance with Federal Regulation, they can not pick and choose as they see fit. Also the mentioned I did not comply with their request for documentation. I give them everything I had. They offered no help at all. I can not afford this big of a hit to my finances. Please advise my credit card company of proper protocol and ensure they help me. I need your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: They are set up with affiliate XXXX XXXX. Misleading a consumer with very confused misleading marketing. And pulling credit bureau.

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 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested XXXX XXXX 2015 via certified letter that I am disputing the debt and requested original documentation of the debt because they are reporting this negatively on my credit reports. They did n't respond to my letter. I also filed a complain with the XXXX. This is the response from the XXXX : After numerous attempts via telephone and certified mail trying to reach Pinnacle Credit Services LLC, they have chosen not to respond to our requests. We understand this does not resolve your complaint against the company and empathize with your frustration over this issue. We will be closing the case as " unanswered ''. Your complaint will remain in the company 's XXXX XXXX XXXX for 36 months, our standard reporting period. That review is made available to the consuming public, the news media and various regulatory agencies. Your complaint will reflect the lack of response by Pinnacle Credit Services LLC. Your complaint may spare another consumer from having the same experience that you had. If the company contacts you and a resolution is reached, please let us know so our records are current. Thank you for using the XXXX 's services. I have also filed a complaint with the Attorney General of XXXX and XXXX. I am at a loss on what to do next. They should not be able to conduct business in this way when they are consistently not following the FDCPA. This company has an extensive amount of complaints against them and needs to be held liable for their poor practicing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Municipal Collections Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was issued a ticket in error in XXXX of 2015. The head of the Building Department sent me an email stating that he would take care of the issue. I received a letter from Municipal Collection Services in XXXX of 2015. I wrote them a letter with a copy of the email from XXXX XXXX. They still place the collection on my credit report reducing my score from XXXX to XXXX. Please fine this collection agency and the City of XXXX XXXX for their carelessness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX XXXX, 2009 I was granted a discharge for a Chapter XXXX bankruptcy. I included XXXX non-federal student loans in my Chapter XXXX bankruptcy and was granted a discharge by a federal judge. XXXX and American Education Services has continued to pursue payment from me for over six years. I paid what I could because they always threatened to report to collection agencies. I have been trying to repair my credit and therefore wanted to keep collections off my record. Many times I had to forbear the payment or decrease the amount, but I juggled to keep them from reporting to collection. I recently came across my bankruptcy discharge and would like to file a complaint for the civil contempt of court made by XXXX and American Education Services.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Other mortgage) with 21ST MORTGAGE CORP. (TX).
Issue: Settlement process and costs

Complaint: MY HUSBAND XXXX XXXX XXXXPURCHASED A MOBILE HOME IN XXXX XXXX XXXX { NOW OWNED BY YES COMMUNITIES ] IN XXXX/XXXX/2010 THE CONTRACT WAS THAT WE STAYED IN THE COMMUNITY FOR 4 YRS. WE ASKED ABOUT MOVING A LITTLE BEFORE THE FOUR YEARS WERE UP AND WE ASKED WHAT WOLD BE THE CHARGE TO MOVE OUT EARLY. I RECIEVED AN E- MAIL OF THAT PART OF THE CONTRACT FROM AN XXXX EMPLOYEE NAMED XXXX . WHEN I GOT THE COPIES I NOTICED THAT MY HUSBAND SIGNATURE WAS FORGED BY XXXX XXXX I HAVE THE COPY. SHE SIGNED MY HUSBANDS NAME ON THIS DOCUMENT, AND WE NEVER HAD THE COPIES IN OUR ORIGANAL PAPERS. WHEN WE CINTACTED XXXX XXXX THEY WOULD NOT RESPOND. WE WENT TO A LAWYER AND FOUND SOMEONE TO TAKE IT ON A CONTINGENCY. 
IT HAS NOW BEEN OVER 2 YRS AND THEY STILL HAVE NOT COMPLETED. MY HUSBAND AND I WANT TO MOVE FROM THIS COMMUNITY, BUT I HAVE BEEN TOLD WE CAN NOT MOVE THIS TRAILER NOW UNLESS WE PAY IT OF????? THIS WAS TOLD TO ME BY 21ST MORTGAGE OUT OF KNOXVILE TN.. WE WANT JUSTICE FOR THIS AND NEED AS SOON AS WE CAN TO RESOLVE THIS ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I have a mortgage and home equity loan with Bank of America. I make all payments on line. I have been with them now for 18 years. I did try to solve this issue directly with Bank of America and was completely ignored. One month I must I paid a partial payment on my home equity and Bank of America never once called me or sent a letter to give me a reminder like the mortgage department as done even when it was only getting to the 16th day to pay the mortgage. I don't think it is fair to a consumer that they failed to notify their customer that a payment was due and to report it as late to the credit bureaus and to have a negative affect on my credit score. This would have been 1x in my entire relationship with Bank of America that I was late.

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 01-10-2018 about Payday loan, title loan, or personal loan (Installment loan) with SECURITY FINANCE CORP (TX).
Issue: Struggling to pay your loan

Complaint: XX/XX/2017 To XXXX XXXX I am advising you in this letter please do not contact my job or references any more. The only way of contact is through mail. If I or any of my references receive any more calls I am reporting you to the C.F.P.B. I do not have the money to pay yall right now I am sorry. 



Thank You, XXXX XXXX This is the actual letter I sent to the company listed above and they are still calling my job and cell phone. I requested to only have contact by mail. My job is on the line behind the harassment calls and I will involve my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: What I believe is a strategy to enforce the use of XXXX ( owned by Transunion ) I have requested my credit report from XXXX and Transunion and the supporting documents I submit ( Copy of driver license with my full address and copy of SS card was deemed insufficient. XXXX submit the 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 non-monetary relief
Consumer complaint received 09/17/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The collections agency received my account and everything was fine. They even offered to delete the account from my record as if it was never there if I paid the debt. However, after paying the debt, I could not get a copy of a letter saying it was paid. Recently, I ran my credit and not only is the file still on my report, but it is still marked as unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Debt collection (Medical debt) with WESTERN CONTROL SERVICES, INC. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Western Control ser vices out of Colorado claims that they served me for an old medical bill that they never did properly serve me. THey have a service form that goes to someone that I have never heard of and that did not live with me at my address at the time. I tried to tell them this and they continued with the garnishment. Now that the garnishment had been completed for over a month now, I have NEVER received a paid letter, I was over garnished and have still not received my refund, and the satisfaction of judgement has never been filed and this has now costed me a home loan and an auto loan. I have complained to the CFPB before and got nowhere, however, the  AG  for CO has stepped in to give me some advice and some help. PLEASE HELP!!!!!!!!!!!!!!!!! This company practices abusive collection tactics and uses false process servers so they can get around the system.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Barclay card " https : //www.barclaycardus.com/servicing/ '' My Balance due date is   XXXX / XXXX /2017, I PAY OFF the BALANCE on  XXXX / XXXX /2017 and wait to clear my account and close on  XXXX / XXXX /2017 without any more charge and use. But Barclay does n't close on that day with   XXXX   Balance and continuous charge me {$7.00} and do n't close until  XXXX / XXXX /2017.     It is unfair to charge customer  with  XXXX  Balance with  an account has no Maintenance fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: IM, FIXING MY CREDIT, FROM XX/XX/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD XXXX ACCOUNT IN COLLECTION WHICH PAY THE DAY IN XXXX XXXX THEM RETURN TO CHECK MY CREDIT IN THE MONTH OF XXXX, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN XXXX YEARS OF THE COLLECTION XXXX XXXX XXXX, OF THIS AMOUNT IS $ XXXX.IS PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED JEFFERSO CAPITAL I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen was to deduct my mortgage payment from my banking account. For unknown reason the payment did not go through. Ocwen never contacted me. Only when we sold our home did I find out that they were reporting me late every 30 days. When I contacted them it was revealed that the contact information on my account was someone else 's to include the mailing address. When I asked to have these late payments taken off my credit report they stated to me " Well you were late even if we did n't contact you '' and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I received at least two years ( not consecutively ) of not having to pay on my student loan due to personal hardships ( unemployment, caregiver, divorce ). While the forebearance did help me through my rough patches, my interest is considerably higher now.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was on the income based repayment program for about 2 years. During that time, interest continued to accrue which was then capitalized. The reason someone goes on a program like IBR is because their salary is not enough to allow them to make the regular payment. I checked the payment history today. {$68000.00} in INTEREST and {$35000.00} in Principal. The outstanding balance is still very high and accruing interest at 6 % ( higher than private lenders ). The amount I paid for the interest that accrued during IBR should be applied to the Principal. The true middle class of this country is going to be forever burdened with debt if they are paying student loans their entire adult life. If a private lender charged the amounts and had a disproportionate balance as I listed above, they would be in legal trouble for usury but somehow that does n't apply to the federal government. 
Who gets to hold the federal government accountable for this? 
It would also be prudent to allow people the option to have their federal student loan payments deducted from their check pre-tax. This provides the government with a guaranteed payment and saves the borrower from being double taxed- taxed on the income then taxed on the balance of the student loans. This option would provide borrowers with a little extra money in their pockets at the end of the month, perhaps so they can make additional payments on their outrageous student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Per my recent credit report  XXXX  pulled a hard credit check on  XXXX / XXXX /   2016  and opened an account in the sum of {$270.00}.   XXXX  The reported address is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IL  XXXX .   XXXX  I did not open or request this account.

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