milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: In early 2017, I applied for -- and was approved for -- a Macy 's branded American Express ( i.e., open loop ) credit card, which is issued by Department Stores National Bank ( hereinafter " DSNB '' ), a subsidiary of Citibank. The card was given a {$7000.00} credit limit. I utilized the card heavily, charging several multiples of the credit limit. This often resulted in later-declined charges and fraud blocks on the card that became inconvenient. However, all bills were paid on time and all charges were authorized by me. In early XXXX, 2017, I had anticipated the need to make multiple large charges on my Macy 's American Express. As a result, I overpaid the balance by making in-store payments. This resulted in a substantial overpayment. My hope was that this would allow me to make continued charges on the card without the inconvenience of continued blocks on the card. Unfortunately, shortly thereafter, the card was locked. When calling the phone number on the back on the card, I was immediately routed to a representative ( usually with a 20-minute wait ) instead of the XXXX. This resulted in multiple inquiries about the status of the card. Despite answering all the questions related to the card 's usage and payment history, the card was not unlocked. In early XXXX ( a month after the card was locked ), I spoke with a representative from DSNB 's fraud team who indicated that the card was locked and that there was " no timetable for the lock to be removed. '' As a result, I requested that the credit balance be refunded to me, and the representative assured me it would be. In early XXXX ( XXXX XXXX, 2017, specifically ), having received no refund or even any indication of a refund on the electronic card-management system ( XXXX XXXX XXXX XXXX ), I sent a certified letter ( return receipt requested ) to the address of record for Department Stores National Bank indicating my written request for a credit balance refund in accord with 12 CFR 1026.11 ( a ). As noted in this code section, upon receipt of the written request, the creditor has seven ( 7 ) business days to return the credit balance to the consumer. Per return receipt, the letter was received by DSNB on XXXX XXXX, 2017. As of today, XXXX XXXX, 2017, the electronic card-management system still shows no record of a credit balance refund. As such, DSNB and its parent, Citibank, are in violation of federal law. To avoid continued dispute, please refund the credit balance to the cardholder immediately.

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 05/13/2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have paid an account that was closed due to over draft, have a receipt but it wo n't come off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My auto draft payment was taken out twice on the same day and they will not reimburse me for 4 to 6 weeks. This is putting a financial hardship on my family.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They never responded to my previous dispute of debt, but now are mailing letters which clearly show the original creditor and current creditor ( i.e. a debt being collected ) without having to open the mail. I was severely embarrassed about this and called. After XXXX calls totaling over 1 hour of time, I was told to do what I had to do as they were n't willing to stop their illegal tactics,

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: What happened originally was that it was their misrepresentation stating no interest would be charged on an item purchased from Home Depot XXXX until relevant amount was paid off. But that representation was false. 
I offered them {$200.00} to settle the account but they refused to take it. And now the original amount, with all the interests added, is {$710.00}, when it was originally {$300.00}. They have to stop adding interests and accept a reasonable resolution of the matter, as what I have been trying to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: After repeated dispute attempts to provide validation of debt in collections. Credit reporting agency has not validated debt information for the collections debt portion placed on my account.after i have disputed several times. I have not received validated proof of debt. Please help to resolve.

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 01-07-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America and their cohorts have made multiple intentional misrepresentations related to this account and the associated Deed of Trust or mortgage. 
On XXXX XXXX, XXXX, Bank of America, XXXX, XXXX, and XXXX XXXX XXXX XXXX ( XXXX ) represented to me, the public in general, and XXXX in specific, the property was to be sold at public auction when, in fact, only the unsecured XXXX Deed of Trust has been sold for {$320000.00} ( according to information provided by XXXX ). It is unclear if the XXXX Deed of Trust has been sold to a XXXX, or if Bank of America and their cohorts have merely removed the unsecured mortgage account from one investment pool to another. If the latter is true, it is further evidence of a real estate, Deed of Trust, and mortgage back securities racket supported by business relationships established for profit while defrauding unsuspecting law abiding good folk and, if government funds are involved, the tax payers of the state and federal governments of the United States of America. 

41 ) Defrauding the citizens of the United States of America. 
42 ) Defrauding the citizens of the State of California. 

Since XXXX XXXX, XXXX Bank of America has represented to me there have been XXXX " pre XXXX '' assigned as the designated single point of contact ( SPOC ) by the names of XXXX XXXX and XXXX XXXX. To my knowledge, the term " pre XXXX '' is not a term defined in the National Mortgage Settlement ( NMS ). 

All previously mentioned resolutions are desired and mandatory.

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 08/28/2016 about Credit card () with U.S. BANCORP (OR).
Issue: Transaction issue

Complaint: I have a credit card with online bill pay through Fidelity. About a month ago, I set up an electronic funds transfer ( EFT ) connecting my XXXX XXXX checking account with my Fidelity account so that I would be able to take funds from XXXX XXXX to pay my Fidelity credit card bill. When I tried to pay my credit card bill balance on XX/XX/XXXX, I received an email from XXXX, the company that processes payments made through Fidelity 's online bill pay, I was told that there were insufficient funds in the XXXX XXXX account ; however, my account had nearly {$9000.00} and the bill was for {$860.00}. There have been no record that Fidelity or XXXX ever tried to withdraw any money out of my XXXX XXXX account. Meanwhile, XXXX continues to send me threatening messages that I owe them money. I spoke with representatives from Fidelity, XXXX and XXXX XXXX simultaneously on the phone and they all blamed each other. On XX/XX/XXXX, I spoke with XXXX with XXXX XXXX who said he 'd call me back in 24 hours. He did not. On XX/XX/XXXX, I spoke with XXXX, who said that a manager would call me back within XXXX hours but was unwilling to resolve my problem. Fidelity has been nothing but unprofessional and unscrupulous throughout the entirety of this transaction.

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 12-02-2016 about Debt collection (I do not know) with The Best Service Co.,Inc (IA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 'm XXXX years old and just did my first real credit report and discovered a {$590.00} collections on my record from a joint bank account I opened with my parents with XXXX XXXX XXXX XXXX when I was XXXX. I do n't talk to my parents anymore, nor do I bank with XXXX XXXX XXXX XXXX, so this was complete news to me. I have never been contacted about it and have no idea when it is from or why it is. 

Since Monday I have tried to contact the collections agency it is under, " The Best Service Company '' for a validation letter to understand it, and all of the phone calls end up being on hold for more than thirty minutes to the point where I can no longer wait because of my life getting in the way, and the website gives me a " Fatal error : Class 'Mail ' not found in XXXX on line XXXX '' when I try to fill out their form to get them to contact me. I have tried contacting them eight times since Monday and so far nothing besides getting bounced around and the error message on the website. I would really like to get this issue resolved because the nearly {$600.00} outstanding debt is obviously a bad mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted XXXX XXXX regarding the inquiries listed on my credit report that were not authorized and done by myself on XXXX/XXXX/2017 and they explained that I needed to contact them in writing to dispute them. On XXXX/XXXX/2017 I did contact them via mail and rquested that all inquiries be removed at once because they were not authorized to pull my credit and I have n't applied for any cards with this bank. XXXX XXXX never responded to my initial written request so I called the Equifax XXXX/XXXX/2017 and again on XXXX/XXXX/2017 to explain the situation once again looking for some type of resolution and was told to call the creditor that there was nothing that can be done without written letter stating they ( XXXX XXXX  ) wanted the inquiries removed. I decided that I would again send out letters as well as contact the CFPB to notify you of this situation as well as send out a second letter to the creditor as well as a letter to the bureau for each unauthorized inquiry from XXXX XXXX although I was told that nothing would be done without written permission to be removed from the creditor. I find it very upsetting to have my credit score impacted by inquiries I myself have n't done and to have the bureau and XXXX XXXX just " bounce '' me back and forth between the two of them I ca n't seem to get to a point of resolution please help me resolve this matter because I have exhausted all attempts thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was informed by my credit reporting agency that I have negative reporting on my credit report dated for the month of XX/XX/XXXX   XX/XX/XXXX  and XX/XX/XXXX  from   XXXX   XXXX   XXXX   it showed that i had missed payments / late payment made on my account and it was reported to the credit reporting agencies showing an negative impact on my credit I have contacted   XXXX   XXXX   XXXX   on numerous occasions trying to get this problem resolved on my credit report I have finally sent them copies of thier own records showing my payment were made on time but they have not yet responded back or reported my payments were made on time i have been corresponding back and forth with   XXXX   XXXX   XXXX   but they just keep giving me the rum around over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Non-federal student loan) with SLM CORPORATION (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get at four calls a day from them. Last week I got a call one minute before they closed with a recorded message for me to call. When I did, they were closed. They call on the weekends, but are only open during the week, so I can not return their call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I attempted to make a payment using XXXX who without my permission established a credit line for me and made a hard inquiry to Equifax without my permission and XXXX notified me that they put that inquiry on my credit report without my permission and told me they are unable to remove it without XXXX telling them to. In turn XXXX tells me there is nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: A review of my morgage account activity was conducted on XX/XX/XXXX. It was discovered that {$230.00} has been paid from my escrow account as XX/XX/XXXX and XX/XX/XXXX monthly private mortgage insurance premium. Upon verifying loan documents provided at settlement signed XX/XX/XXXX ; monthly PMI premiums should be {$51.00}. PNC Mortgage has not provided any form or correspondence explaining the PMI monthly premium change and has repeatedly declined to discuss this issue with me. THIS IS NOT A DUPLICATE OF CFPB CASE # XXXX. THIS IS A DIFFERENT ISSUE REGARDING A DIFFERENT LOAN NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I decided I wanted to try and purchase a house at the beginning of XXXX so I pulled my credit reports. I have a XXXX XXXX credit card that is open and in good standing today. What I found upon pulling my credit report around XX/XX/XXXX was that there was another XXXX XXXX XXXX opened in my name around XX/XX/XXXX that does not belong to me. I submitted a letter to XXXX XXXX to let them know that the card that was opened, was opened without my authorization and does not belong to me. I did not receive a response to my letter sent. I then called XXXX XXXX around the end of XX/XX/XXXX directly and they confirmed that I do have a current account in good standing and notified me that the account that did not belong to me would be removed immediately as it was issued without my consent or authorization to whatever unidentified party. XXXX XXXX has yet to remove this account from my credit report. It is hurting my credit profile and makes me look like someone who doesn't fulfill their obligations when it comes to extending credit. Please help me get this information removed from my credit profile.

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 04/17/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: EXPERIAN credit reporting agency refuses to remove my disputed items from my credit report. 
Item # 1 XXXX Department of Child support ( DCS ) reported incorrect information on my credit report last year ; I recently went to DCS about this issue, but they refuse to contact EXPERIAN because the case is no longer open with the courts, but they provided me with a certified copy of my payment history and a termination of child support letter. I mailed all the documents to EXPERIAN as proof that there was never any delinquency and the DCS case was also closed XX/XX/XXXX. EXPERIAN 's responded to my dispute stating that the item will now remain on my report until XX/XX/XXXX because of my updated dispute. Also, the DCS case was opened in XXXX in XXXX, but after leaving the military and moving to XXXX, XXXX took over the case. This case is over 20 years old. Account # XXXX Item # 2 I opened an auto account with XXXX XXXX in XXXX and it went into default and was sold to several collection agencies over the years. I recently filed bankruptcy to get a fresh start and I included this collection account. This account is also over 9 years old. EXPERIAN refuses to remove this item from my report. Account number XXXX Please help me!!! 

Thank you, 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 03/23/2017 about Mortgage (Conventional fixed mortgage) with WESTERN UNION COMPANY, THE (KS).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I paid for and entered into XXXX XXXX XXXX XXXX XXXX. My mortgage payment was faithfully, automatically deducted bi-monthly from my checking account. Through a series of communications in an attempt to sell my property I discovered that my equity was never enhanced and that XXXX XXXX had given my account to Paymap , Inc . I also discovered that there was a lawsuit against Paymap for fraud. Can you help me recover any of the funds that Paymap, Inc. cheated me out of? I know the lawsuit was filed in XXXX, but I was never notified and although this practice was discovered to be fraudulent, Paymap, Inc. continued to defraud me until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MD).
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: Ive disputed two accounts with XXXX several times and they keep saying that the accounts have been verified and updated. I disp The Wells Fargo Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with commonwealth financial is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.

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 07/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently pay {$750.00} on XXXX loans via auto pay through Navient XXXX formally XXXX XXXX XXXX I 've tried paying extra payments to lower my principal balance but all that happens is gets applied to the following months payment. I 've asked how can my extra payments be applied to principal balance and they say it 's not possible. This is criminal, I will never be ableye to get out of debt or get ahead. And to make things worse they do n't offer refinancing on my 8 %, 13 % & 14 % interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I ca n't lower my payment ( {$50.00} ), had two forbearance agreements on this same loan amount. Not sure how this has effected my credit, my payment amount, or how they did it on the phone with me not signing or me reading any part of an agreement on-line or in hard copy. The amount never seem to go down even when I have made large payment. Now I feel it was not worth even trying to get an education at all due to all this debt it has cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Medical) with Account Brokers Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted this company in writing twice as well as through the XXXX demanding debt verification from the collection agency. They did not respond within 30 days stating they needed more time to verify the debt as required by the Texas XXXX. They sent only a bill via usps, not the complete debt verification as requird through the Texas XXXX. Account brokers has consistently violated the Texas XXXX XXXX, as well as ignored my demands XXXX. 

I dispute the validity of this entire debt. I request validation of this debt per Texas XXXX XXXX. I have disputed this debt with the credit reporting agencies and you continue to validate it without providing the information I have requested. Please note XXXX are bonded in the state of Texas and are required to comply with Texas XXXX XXXX if you fail to meet code requirements. 
Delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. XXXX ( d ) ( XXXX ) For the purpose of validation provide me with : The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceAny fees added by your agency. Sec. XXXX ( a ) ( XXXX ) Texas Surety bond information as required by Sec. XXXX am invoking Texas XXXX XXXX XXXX CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. 
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. XXXX ( a ) ( XXXX ) Please reply with your response vis XXXX MAIL. 
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. XXXX. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.

Company response to consumer: Closed with explanation