milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Total Card, Inc. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have n't received a response to emails to confirm if payments were suspended. When I received an email from the bank the payment was to be withdrawn from, I called and questioned what the email was for. I honestly thought the payment would be paid. The payment is from a savings account. The payment was returned. I communicated that if I had received notification in writing that I would n't be going through this. I was told that payments were suspended. It reminds me of when I was on the phone with a representative at XXXX and the female employee said something like I told you verbally. 

I emailed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: these item on my credit reort do not belong too me

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I wrote XXXX a check for {$68.00} back on XXXX XXXX 2015. In XXXX they sent me a check for {$68.00}, which I never cashed or deposited. Then they had GLA collection company inc send me notice saying I owed them {$68.00}. I called GLA and told them I had a cancelled check showing that I had paid the bill and send them a copy of it. They then told me that even though I had paid them that they wanted me to cash the check they had sent me and write them another check. I told them I thought this was ridiculous and a waste of time. I did my part and now because they made a mistake they want me to waste my time. I fill like this is all because they do n't want to call the bank and pay {$25.00} to cancel the check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Account from a cable company appears to be in collections with a balance of {$550.00}. However, I 've been on time with payments, and I called the cable company they said they have not sent any account under my name to collection. Also, this collection account has a different number from my original, and it just appears in XXXX credit report XXXX Equifax XXXX .I sent a dispute, but I havent gotten an answer yet. I would like this to be looked into please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was shopping at old navy when the cashier asked me if I wanted a " rewards card '' I asked her if it was like a credit card and she said " No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for an old navy credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/14/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is an amendment to complaint # XXXX I did not list the inquiries to be blocked : I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX , Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information. 

These are the inquiries that must be blocked within 4 business days : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon being denied from a lender for " too many inquiries '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX , Equifax and   XXXX   that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX     XXXX   XXXX    XXXX   XXXX    XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Account Type Installment Loan Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (I do not know) with Direct Capital (CT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I am submitting this complaint to an unknown collection agency that continues to contact me at my employment and refuses to give information about this supposed debt I owe them. The contact person that continues to harass me is XXXX XXXX XXXX. XXXX XXXX has also went as far as providing this so called debt information to my co-workers in a harassing manner. This is not only wrong but humiliating. I believe that as a tax payer I have the right to file a complaint. If someone can assist me, I will definitely appreciate it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (I do not know) with Sprechman & Associates, P.A. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a phone call from someone at the XXXX. They stated they were attempting to collect on a judgement from XX/XX/2004 from XXXX. Upon stating that I had no knowledge of this judgement, the individual became irate. He continued to question me on whether or not I knew of the judgement. I stated once again that I was not aware of any judgement against me, especially one XXXX. I stated that I would not be acknowledging any liability of the amount requested without further detail. At this point the individual asked me if I wanted to resolve the issue now. I again stated I would not, and said they should go through the procedures to inform me of the details. The individual then said " oh we will be doing what we have to do ''. I requested his name multiple times and asked that I be mailed the information. The person immediately hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (NV).
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: I have called costumer service because I was a victim of some of the names on my credit report and I would like to remove this hard inquiers on my credit report because customer services did not want to dispute it over the phone!

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 10-05-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit card protection / Debt protection

Complaint: CITICARDS CBNA, XXXX, XXXX XXXX, XXXX XXXX issued a credit card to a person who used my Social Security number without my consent. Had city bank handled the application appropriately, they would have seen that I already have a Citibank card issued under my name, and that I live in a different state from the thief who committed this fraud. CITICARDS should have flagged the application and called me to verify. Instead, CITICARDS mishandled my personal information ( social security number ) and validated to the thief, that my SS # was a good number by issuing a credit card to XXXX XXXX ( the name the thief gave ), who does not reside in XXXX, but rather in XXXX, XXXX Because I am in the process of finalizing a construction loan, I am always checking my credit score on XXXX XXXX, and that is how I found out that a new account had been opened XXXX. I immediately contacted CITICARDS and advised them I would be filing a police report. CITICARDS did not want to provide me much information other than verify that the card was issued to a XXXX XXXX who used my social security number and who had already charged over {$600.00}. I was transferred to the fraud department and since then, I have not been contacted by anyone from CITICARDS. My personal information was mishandled and CITICARD neglected to flag this fraudulent account. I would like to know what there policy is in processing online applications? Why the card was processed without properly verifying by contacting me, the person who 's social security was used? Why was this account not flagged when processed? Who authorized the issuance of the credit card? This has affected my credit score and has caused me to file police report, affidavits and fraud alerts with the IRS, FTC, XXXX Credit Bureau 's and now you. I have had to take time off of work to handle these matters and it is now turning into a nightmare because this thief has attempted to commit fraud a second time, but was stopped by XXXX which I purchased right after the first incident.

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 10/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: There were fradulent ATM transactions from my accounts when I was travelling to Alaska. All the transactions ( 5 of them ) were in and around XXXX XXXX while I was in Alaska, were ATM withdrawals of {$300.00} each. The ATM card was with me and the pin number is very secure and nobody other than me knows the pin, including my spouse. I raised a complaint with Wells Fargo bank online and they mentioned that since my card was secure and my secret pin was not used, this is some fraud charges and took my case. after making me wait for 2 weeks the bank got back saying I made the withdrawals myself and held me liable for these charges. This is a case of low security on my card and the account was supposed to be {$0.00} fraud protection premium account. I park majority of my liquid funds in this account with this trust. My card is already blocked and the online account is disabled, but more than me wanting to find who did the fraud I want the {$1500.00} back. The bank did not ask me any proof for alibis and my card usage outside the area where the fraud took place, not sure how they came to a conclusion that this is an authorized transaction by 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 monetary relief
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all  XXXX  credit reporting agencies. The lender ( formerly  XXXX   XXXX  )  XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple 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 01-02-2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA).
Issue: Struggling to pay mortgage

Complaint: This is an addition to my original complaint from back in XXXX XXXX with this company. Rushmore loan management Services. I did get a response that you sent me stating that a man named XXXX XXXX who was really another relationship manager. Well i did call him thinking that he was a CEO, or an administrator or some kind of an executive of which i ask for, that can be verified. But instead i only had this XXXX XXXX who said to me that the only person that could help me was the person that caused the problem in the first place. I could not believe what he was saying. But it came to me that he was protecting this person named XXXX XXXX. So i did tell this XXXX XXXX that i did not want to deal with him or any other relationship manager. Well after that i had so many relationship managers call as if to harrassed me. I ask to speak to an executive that i can verify that is who they are. This group of people have been playing games, until it makes me wander if there is a CEO, or is this just a group of people or working from with no supervisor. This has been going on so long to cover up what really did happen, and this XXXX XXXX is really trying to protect her. He has not been a very nice person. I have all the names of the other relationship managers who has been steady calling me. My complaint was to be able to speak to someone in charge, but what are they trying to hide or cover up. This is very strange for any company. Usually by now someone in charge would have called to find out the problem. The company is Rushmore loan management services. My loan number is XXXX. If you look back in XXXX XXXX you will see the complaint i did before. Nothing has change, it has gotten worst. I have a feeling that this complaint will go to XXXX XXXX the relationship manager. They go by your loan number and whoever that person is, is responding back to you. I do not feel that it ever got to an executive. I would like to know how you can find out to make sure this gets to the right person. And i would like a name and a contact phone number, so i can make sure of this persons credentials. Maybe there is only investors that put this company together. Please look into this. How is this protecting me if we can not get to the bottom of this, especially since i have told all of the relationship managers that i am not going to deal with them. The first two people i had seemed to be honest, but since them it has been a very hard ride and it seems as if no one cares. If you have people that are dealing with the public they would care about an complaint. But this has been too, too long. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Summary of XXXX complaints against Experian that had harmed me by not not fixing credit mistakes delaying my mortgage process : 1. Inaction on a letter of correction for 12 days, 2. XXXX representatives gave me misinformation that this had been corrected, 3. On the XXXX day, the XXXX representative, finally verified the information, however refused to expedite the process of correction, further harming me by delaying the mortgage process by up to 3 more business days. On a further note, I asked to speak to a supervisor or manager to inform them of this complaint and possibly have this issue resolved before hanging up the phone. I was told I was being transferred to a live supervisor, but got a voicemail and I did leave a detailed message with my contact information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Taking out the loan or lease

Complaint: I went to purchase a car on XXXX/XXXX/2016. I gave the dealer permission to submit mine and my co signers credit application to XXXX finance companies. They submitted our applications to XXXX finance companies which was 6+ more than I authorized. We signed a contract that day to purchase a car. The next day they sent our credit application to another finance company after I had already made a purchase. Fast forward to XXXX/XXXX/2016 and they have sent our credit app to XXXX finance companies today without authorization and after we have already purchased a car. They are steadily adding credit inquiries to our reports without our permission.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CITIBANK, N.A. (IL).
Issue: Fraud or scam

Complaint: I am a Citibank customer. On XXXX XX/XX/2017, my client tried to send me {$XXXX} payment for a job via XXXX XXXX. They input my information correctly. They were only asked to input my email, and I received the email alert saying they were trying to send me money via XXXX XXXX, so it was not user error. 

The email said that if I have an outside bank, to click on the link to that bank. I clicked on " Citibank. '' I was taken to a Citibank interface, where I was asked to either log-in or register. I could neither log-in nor register for the transfer service. I called Citibank. I explained the problem to the representative on the phone. She put me on hold, and then asked me to try it again. I was able to get in. I don't know what that Citibank representative did on her end, but the money was not in my account. It was just my regular account home screen. 

I called Citibank again and was told it could take a day for the money to credit. It never credited to my account, but the money had already been deducted from my client 's account. 

My clients and I contacted XXXX. I gave the XXXX representative my Citibank account number. She confirmed that the {$XXXX} was not in my account but had been received by a stranger 's Citibank account. Due to privacy concerns, she could not tell me whose account got it, just that it was not my account and was someone else 's Citibank 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
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I ha d 3 auto loans with chase and was late one x for 20 days on one xloan but chase  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!

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