milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I tried to contact Citibank using their online email in my account, but I can not send a new message TO Citibank from my account. I do NOT want to use Citibank chat. Why was my online email disabled AND why was I NOT notified in advance???

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 09-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with Advance America, Cash Advance Centers, Inc. (TN).
Issue: Can't stop withdrawals from your bank account

Complaint: Advance America Number XXXX made 2 ach deductions on my checking account using check number XXXX dated XX/XX/XXXX in the amount of XXXX and they made another attempt on XX/XX/XXXX in the amount of XXXX. 

Also on XX/XX/XXXX I received a call from the manager XXXX about coming in to pay on this same check that they made 2 attempts on or he said that he was going to deposit the check that is in his office. I said I do n't have the money because I wo n't be receiving my payroll on the XXXX and because of the holiday, I will not get my payroll until the XXXX of XXXX. 

I went in to the office and paid the interest of XXXX ( which I incurred another fee of XXXX plus XXXX. ) Because of what is happening with Advance America, I am going to my bank and will have to close my account to prevent them from taking the funds out of my office, and if funds are not available, I will get a charge of {$37.00} which they have caused. 

I am not going to conduct business with Advance America anymore. 

I saw on my bank statement that the attempts were made, not successful, thus causing my to have nsf fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: Re : Macy 's credit card issued through " department stores national bank ''. 
Macy 's representative in XXXX, XXXX XXXX ( NY ) prompted me to open Macys card account with offer of additional 40 % off atop the daily discounts. So, I then spent 2 hours time putting together sizeable wardrobe. When cashier helped me open account by phone and having to provide significant personal info, I was then told " denied ''. Interesting because I am a XXXX, excellent credit, XXXX debt, never denied such in my life. I overheard someone else in store saying same thing happened to her and another. This was XXXX XXXX, 2015. I left store without purchase. Today XXXX/XXXX/15, I receive a Macy 's credit card, never again elIgible for the 40 % incentive for new accounts. I suspect scam luring cutomers into opening card, not to mention the personal information used for marketing sharing. I am on phone with card company canceling and am also now told that the 40 % had a {$150.00} cap. I know what I heard as well as telling rep I was off to " spend a lot of money '', so I 'm certain she understood it was more than {$150.00}. 
Again ... .arguably ... a scam and what a waste of my valuable time. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit line increase/decrease

Complaint: I use Care Credit for medical needs, when using there automated system for an increase it did not mention a HARD credit inquiry to my credit report. If I had known that I would not have asked for a credit line increase. I contacted Care Credit who works with XXXX and they will not remove the Hard inquiry from my credit report after speaking to them numerous times. There automated credit line increase should have stated there would be a hard inquiry but did not. I had been a member of them for several yeas. I know when you first sign up there in an inquiry but not when you are asking for an increase which is normally based on how you pay and they are required to notify you of a hard credit inquiry which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit Report Credit Report XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for XXXX years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in Utah XXXX years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

I would like debt validation : CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (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 have notified Dept of Educatiion that they are inaccurately reporting that I was late in XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have called LoanCare 6 times over the past XXXX weeks - XXXX XXXX to XXXX XXXX. They are reporting a delinquent loan that was XXXX days late. Unfortunately this error was report to all 3 credit agencies and it lowered my credit score. I am now having problems refinancing my home, because my credit score has  been impacted because of this error. My loan is not in default and I have never been late on a payment ; however, LoanCare is reporting it as 60 days late. I spoke to upper level management at LoanCare and filed a claim with a ticket number. They have not done anything to remedy the situation.

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 06-12-2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: A company, named  XXXX   XXXX   XXXX   XXXX , opened a business bank account with  Fifth Third  Bank at a location in  XXXX , North Carolina in  XXXX  and operated the account for over  one  year without any problems. However, though the account was opened in the name of the business, the bank listed an individual as the 'owner ' and 'secretary ' without the company 's authorization and without confirming the designations. The actual shareholders and directors of the company were not aware of the bank 's error until the bank initiated a new process for verification of wire transfers in  XXXX  or  XXXX  of  XXXX . The company 's owners initiated a wire transfer for a corporate client which was blocked by the bank after the individual erroneously listed as 'owner ' told the bank he had nothing to do with the company and therefore could not and would not be able to verify the wire transaction requested. The bank acknowledged to the company 's shareholders and directors that it previously did not confirm the individual 's relationship to the company before listing him as the owner of the account, but the bank has nevertheless refused to offer any type of resolution to the company. The company shared all corporate records with the bank to establish ownership and corporate structure, but the bank 's legal department never returned messages or attempts to communicate and resolve the issue. The funds which were withheld were in excess of {$120000.00} and cost the company several corporate clients due to lack of payment, resulting in loss of revenue estimated in excess of {>= $1,000,000}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2016 about Bank account or service ((CD) Certificate of deposit) with DISCOVER BANK (CA).
Issue: Account opening, closing, or management

Complaint: I called Discover Bank to inquire about closing a Certificate of Deposit and the security representative asked me several " security '' questions about people I do n't know that are related to my ex-husband ( divorced 25 years ago ) but not to me. When I could not answer these questions they froze my accounts without telling me they were doing so. They did not send any notification to me by mail or e-mail that my accounts had been frozen or any notification that they suspected my accounts or security information had been compromised or that anyone had inquired about my accounts. So if someone really had tried to access my account, I would have never heard about it. They told me these questions were taken from Public Records. Presumably they are getting random information from web sites like XXXX and XXXX and using these for security. None of the questions were questions that I had set up as private security questions when I opened the account. Basically it seems to me that anyone who acquires public records information from one of these web sites can get access to your bank accounts at this bank. After some significant inconvenience, I was finally able to get my money, but I will not bank with Discover again since their security is extremely questionable if not downright fraudulent. I 've read that mining of public records data by banks is common practice now. I think this makes our money less secure, not more secure and is of no service to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I followed Experian 's online protocol to correct addresses. I received their response and the information was still incorrect. When I again followed protocol to correct, the options provided on the website do not allow for additional options. The only options from a dropdown menu are : Never lived there Belongs to another person with same or similar name Identity theft I just need these XXXX addresses deleted as they are incorrect. The correct address is already correctly listed in my report. These are the XXXX that need to be deleted : Address : XXXX XXXX XXXX XXXX XXXX ( This should read XXXX, but as stated above, it is already correctly included in the report. ) XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Apartment complex Geographical code : XXXX Address : XXXX XXXX XXXX XXXX # XXXX ( This address is incomplete, and again, the correct address is already included in the report. ) XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Apartment complex Geographical code : XXXX I HAVE NEVER LIVED AT THE BELOW ADDRESS and after using the drop down option of " Never lived there before, '' the following message I received was to contact the creditor who provided this information. I do not know who the creditor is. 
Address : XXXX XXXX XXXX XXXX, XXXX XXXX Address identification number : XXXX Type of Residence : Single family Geographical code : 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 06/28/2017 about Mortgage (Other type of mortgage) with SCHOOLSFIRST FEDERAL CREDIT UNION (CA).
Issue: Trouble during payment process

Complaint: This Complaint is about Fraudulent Transfer of Tile to Real Property in which Schools First Federal Credit Union SFFCU Offered False or Forged Instrument for Filling and Recoding ( Cal Pen Code 115 ) with XXXX County Recorders against my legally owned property located in XXXX County, State of California, with intended to defraud and with parties, with no legal interest in the property, or authority to do so. On or after XX/XX/XXXX, in the County of XXXX , Schools First Federal Credit Union , did  unlawfully and knowingly procure and offer, or cause, a false of forged instrument, to wit : the TRUSTEES DEED UPON SALE in XXXX County Public Property Records .. On XX/XX/XXXX, in the County of XXXX, Schools First Federal Credit Union, did unlawfully and knowingly procure and offer, or cause, a false of forged instrument, to wit : COMPLAINT FOR UNLAWFUL DETAINER in XXXX County Superior Court to be filed, registered and recorded in the Public office within this State, which instrument, if genuine, might be filed, registered and recorded under a law of this State or the United States, in violation of Penal Code Section 115, subdivision ( a ), a felony. On XX/XX/XXXX, Schools First FCU, sent an email alleging, Schools First FCU Home Equity Line of Credit Statement, while claiming to be the owner of the claiming to have purchased the property on Auction under a fake created loan number. This fraudulent action scheme could have been carried out because I have a Home Equity Line of Credit with Schools First FCU, which I have been paying on since on or after XX/XX/XXXX, through a direct withdraw monthly payment schedule, dating back to XX/XX/XXXX and has not changed. On Friday XX/XX/XXXX, I found a Notice to Vacate my legally owned property. The Notice to Vacate appeared to be with a Void judgement from the Superior Court of California County of XXXX, with attached XXXX County Sheriffs Office, ( XXXX ) XXXX. No documents were attached to the Notice to Vacate to prove alleged ownership, by Schools First Credit Union, which can not be proven because the Judgement was void on its face. SFFCU acts constitute to unfair and deceptive practice. I own my property and I have the Grant Deed to my property to prove ownership. The Note the Deed of Trust Schools First claim to have obtained had no out standing Debt and the Deed does not transfer the property ; nevertheless, Tile or Deed of Trust together with the note by law can only be transferred by owner or it dedicated agent, and with documentary evidence to prove agency relation and certify the statute of fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Central Financial Control and XXXX XXXX XXXX XXXX XXXX refuse to acknowledge that payment in full was made and deposited into XXXX account on XXXX/XXXX/2015, and to remove their collection notice from my credit bureau reports. I have called CFC to explain this several times, and I have faxed the information to them twice, most recently over 3 weeks ago. 

XXXX refuses to discuss accounts which have been sent to CFC for collection, which makes it impossible for me to explain to them that they have already accepted payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Debt collection (Federal student loan debt) with Allied Interstate LLC (CT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: To Whom this May Concern I was told that in XX/XX/XXXX, they will be selling my loan. So I feel that 's why they do not wish to settle it : listed below is my most recent correspondence with regards to my student loan the only information I have is : '' '' XXXXXXXXXXXX attn-XXXX '' '' XX/XX/XXXX Please note that since XX/XX/XXXX, I have been trying to resolve this student loan matter. My loan has been sold and resold over and over again and every time I make contact with the new loan company, I am given a new story. I do not understand why I need to explain a hardship to you in order to get a payoff figure. 

Most company 's want to get paid and yet you seem to want to keep my account open on the books. I have not been able to get anyone to given me a written explanation or a payoff amount and yet when I call you will talk to me all day. I hope all of the phone conversations are recorded and kept because if I can not get a payoff figure I am requesting that all of the phone conversations be produced to show that I have been making an attempt to resolve this matter and that you have been holding on to it and costing me more time and money. 

Please note that I am also contacting all of the local and state agencies to investigate this matter. Below I am writing to you once again with the information you requested from me via phone conversation ; " I XXXX XXXX XXXX, XXXX, address is XXXX XXXX XXXX XXXX XXXX CT XXXX, email address is XXXXXXXXXXXX I was also suppose to give you an explanation and " hardship '' for wanting to pay off my student loan. I still do not understand why wanting to settle my student loan requires a hardship explanation. 

As stated in my last email I wanted to settle my student loan account for {$4000.00} in full by credit card. I am still waiting for an answer and I would like it to be in writing. I have been making contact by email and phone and I have not received any responses. The last phone call I made I was told that I needed a reason to settle my student loan over the phone not in writing. I have a couple of years before I retire and I would like to start preparing for my new journey in life without having a student loan hanging over my head from roughly 30 years ago. It 'd obvious that senior adults are not treated with much regards or respect today. I feel like I am being discriminated against because of my age but we will address that after I resolve my student loan matter. 

I look forward to hearing from you to resolve this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXXXXXXXXXX

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX, XXXX I accessed my credit file with Equifax. At this time all of my current and recent accounts were missing. My credit file now consisted of old accounts that had dropped off due to age and old accounts that had been deleted. I have tried for several months to get this corrected with no success. This morning XXXX XXXX, XXXX all of the accounts re-appeared along with several other accounts that were not there before. As I write this I am on the phone with a XXXX XXXX XXXX from Equifax named XXXX and a XXXX named XXXX who just transferred me to another department trying to resolve this and get my true credit file to avail. This has truly been a nightmare, all I want is for my credit file to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Other

Complaint: Prior to my divorce, my ex husband was able to open up several accounts online in my name using my information. I have been able to get everything except an account he managed to open in my name with Capital One. After getting nowhere with them, I filed a dispute XXXX. Instead of removing it, I received letters from CO thanking me for my recent inquiries into my account. This is infuriating, as I have not had an account XX/XX/XXXX with them. I have tried to call them, but instead of listening they try to trick me into making a payment- which I am not going to do. This was not my account and I will not be making any payments to it. I knew nothing about this account XX/XX/XXXX, when I had my credit pulled by a mortgage company, hoping to get a home loan. 
I am tired of dealing with this, and I need some help. I worked very hard to close out any account that I had opened in effort to be debt free. While I realize that hurts credit too, I did not want to owe anyone anything. I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This my 3 time writing to the CFP about AES ( American Education Success Service ) reporting to the credit bureaus concerning my student loan. I have sent documents to support the fact that AES does not the right to report to the credit bureaus concerning my student loans and that this entry should have been deleted. But the credit bureaus refuse to delete this entry also. My loans were consolidated XX/XX/XXXX, I have XXXX loans, when AES was first listed as servicer. In XX/XX/XXXX, I went into bankruptcy until about XXXX and my loan was no longer listed under AES, as servicer. Since, I have disputing this negative entry on my report for about 2 years. Now, AES has changed the name on my credit report to XXXX XXXX XXXX, AES HAS NOT SERVICE ANY OF MY thing SINCE XX/XX/XXXX, THIS IS NOT LEGAL. STATUE OF LIMITATION IS OUT. They can not continue to hijack my account like that. This entry needs to be deleted immediately. I will not stop until something is done about removing this entry altogether from my report. Something needs to be done about them with this negative entry. They refuse to remove this negative entry from my report. XXXX was responsible for my loan since XX/XX/XXXX, because my loans was listed on my bankruptcy, I was still in a grace period in XX/XX/XXXX but after that my loans were in default but not with AES, it was with XXXX. So, I do n't know why they are feel so obligated to continue with my loans. The government paid them at the time for my loans.

Company response to consumer: Closed with explanation