milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Ive already spoken to your customer service department about this. They seemed a little put out that I have to use a relay service. Anyway, the person told me to refile my complaint. So here it is, AGAIN. I never received my original card and PIN number and there are lots of unauthorized ATM transactions on my account. They are ...
XX/XX/XXXX {$23.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$120.00} I have received my replacement debit card and PIN number. According to whoever I spoke to, the PIN number is the original PIN number they sent out. It showed up on my front door step a couple days after I received my replacement debit card. And it looked like it was already opened. The replacement debit card was delivered by XXXX. The PIN number looked like regular mail but wasnt in the mailbox.

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 10/30/2015 about Payday loan () with Payday America Inc. (MN).
Issue: Payment to acct not credited

Complaint: A few years ago ( between XXXX and mid XXXX ) i took out a payday loan from Payday America inc in XXXX XXXX mn. I failed to pay the loan back on its due date but paid it during tax time around XXXX XXXX. I went in to the location i originally took out the loan with my mother, there they told me that everything was fine and rushed me off never giving me a receipt. from then on i kept receiving calls from collectors saying that i never paid and demanding that i do so. When i tell them that i have already paid, they call me a liar and usually would hang up the phone on me. i was threatened with a lawsuit last year in which they told me that if i did n't pay the fees would be greater. i freaked out and paid {$250.00} on a {$410.00} bill. Again no reciept when i requested XXXX they said it was in the mail and left it as that. I also informed them that i was going through a hard time financially and that i was unsure of when i could give them the rest reiterating that i had already paid this debt. now i just received another letter threatening to sue me for XXXX dollars. i am already drowning, attempting to care for my XXXX XXXX sister and my XXXX mother, as well as my XXXX children. i feel that they are trying to take more than they are owed and its not right, even when i made a good will effort to pay a debt that had already been paid off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIZENS FINANCIAL GROUP, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have two inquiries on my credit file with XXXX from this bank, dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have written to them to request documentation supporting permissible purpose, but have never heard back from them, leading me to believe that they either did not receive my letter, or simply chose not to respond. I currently have an open account with them, and believe that it was the former, as they have treated me very well. However, barring documentation supporting permissible purpose for these two inquiries, I would like to see them removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (FL).
Issue: Trouble during payment process

Complaint: I received a letter from Citi Mortgage on XX/XX/XXXX that they had purchased my loan. I sent a Q.W.R. to Citi Mortgage and ask for 3 things 1. Copy of the note as it is today with any and all endorsements. 2. a copy of all payment records from when the day the note was signed until today. 3. The physical location of the original blue ink signed note so i may review the original. I received a response from Citi Mortgage on XX/XX/XXXX which included a copy of a mortgage note and the letter stateing that the loan history would be sent under separate cover. However no mention of where the physical location of the original blue ink signed note is located. Today i am sending my 2nd request to Citi Mortgage for them to provide the location of the Original blue ink sign note.

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 03-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a certified letter to TransUnion asking to validate the debt from my student loan. They have yet to respond to my request electronically or by mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX OF XXXX I am writing to file a complaint against EQUIFAX because of their predatory CREDIT REPORTING practices reporting negative without providing any response from XXXX XXXX Equifax never investigated b. Non responsive c. indistinguishable letter stat that investigation completed and no change XXXX Never provided any response form creditor I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (PA).
Issue: Taking out the loan or lease

Complaint: I believe this lender is discriminating on the basis of the source of my income as a government employee, and discriminating on the basis of having previously been a bankrupt borrower more than three years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: in XXXX 2015 after my GREAT Hubby 's XXXX, I inquired of a used van @ XXXX XXXX in XXXX XXXX, XXXX, sales person wrote it up. finding the fee, I called my son who was to purchase it said he could not do so. No transaction followed.XXXX has 'dropped their inquiry per my request THIS YR. Somehow XXXX XXXX they work with, I contacted TWICE say they have NO RECORD OF SUCH TRANSACTION, STILL THEY ARE NEGITIVE ON MY SCORE. 
PLEASE HELP WITH CORRECTING SAME. SINCERELY 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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I applied for a rental apartment with XXXX XXXX XXXX located at XXXX XXXX XXXX. XXXX, Tennessee XXXX ( XXXX ) XXXX on XX/XX/XXXX, 2017 and was immediately denied. When I contacted XXXX XXXX XXXX, they told me they had no control over the matter and directed me to CoreLogic and their number is XXXX. I contacted CoreLogic and they told me there was a criminal record and I would have to dispute it and they could not provide me with any more information. I immediately disputed the issue and I have also faxed a copy of the dispute to Core Logic. When I contact them now, they say no information can be provided. This needs to be cleared up immediately. I have never had any criminal record and I have recently been cleared under a TBI and FBI background check for the XXXX XXXX I have taken with the  XXXX XXXX XXXX. This is obviously incorrect and this CoreLogic company and XXXX XXXX XXXX are using information against me that is libel information and I intend to pursue this until it is cleared up. Kind Regards,

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 04/21/2015 about Debt collection (Credit card) with DISCOVER BANK (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Settled debt with XXXX XXXX XXXX XXXX. ( Discover ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Making/receiving payments, sending money

Complaint: Summary : I opened a credit card account with Bank of America for a balance transfer. It is 0 % interest for XXXX months as long as payments are on time. Every time I log in to pay my monthly bill, I 'm told that my account is frozen and I need to call an XXXX number. I am unable to pay my bill. 
Details : I registered on-line to pay my first bill ( I pay all my bills on-line ) and when I attempted to pay my bill I received a message that my request could not be completed due to the status of my account and was instructed to call an XXXX number. I called and was told that it takes 10 days for my account to become active and available for online bill pay. I paid that bill over the phone - I said {$50.00} and {$51.00} was submitted. Last week I attempted to pay my XX/XX/XXXX bill of {$50.00} XXXX pymt # XXXX on this account ) and several days later received an email that my payment could not be processed due to the status of my account and to call the XXXX number. When I called, I was told that the routing number for my institution has changed. It has not - I have had that account for appr 10 years. I now have a late fee on my account. The man I spoke with on this call said that I was misinformed, that it does not take XXXX days for my account to be active. He said he corrected my routing number in the system and that I had to wait for XXXX hours to pay my bill. I attempted to do that again appr XXXX hours ( just to make sure they had enough time ), and received the same message that my request can not be processed due to the status of my account and to call the XXXX number. I attempted to do that. When I finally got through the menu and was told to explain in a few words what I needed, I said, " Bill Pay '' and the next thing I heard was " Good-Bye '' and was disconnected. I called in again, got through the menu and this time simply asked for a representative, and was told that the call volume was high and my wait would be long and to go to the website. My late fee has now increased. This is a 0 % interest card as long as the payments are on time, and they are preventing me from paying my bill. Interesting scam.

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 09-04-2015 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Problems caused by my funds being low

Complaint: On XXXX the XXXX I had {$40.00} in my checking account. They then proceeded to charge me a {$38.00} insufficient fund fees. 
This bank fee charge is funds money that I needed to by food to eat.. I am working very hard to better my situation, but the {$38.00} fee really hurts. the {$40.00} in my account was depleted in entirety by the {$38.00} bank fee. This fee was charged due to my only having {$40.00}. in my account and is a very unfair and large fee to charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and Experian ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my Experian credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with Experian Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX Experian has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.

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 05/24/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Due to receiving adverse action, I requested a credit report via XXXX mail from Equifax in XX/XX/2015. I never heard a response from the company or received my report in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Called and threatened jail time for a payday loan I never had. Explained to them I have not worked since XX/XX/XXXX. I 'm XXXX. Told me I took out a loan in XX/XX/XXXX. I asked them to send verification in the mail. Told me they ca n't. They hung up on me and told me good luck, you will need it. Then they called my XXXX year old mother in law and threatened her. I have not taken out any loans at all. They have all my private information as well. I have also recently had XXXX of my credit cards hacked and used as well as someone trying to steal income tax return. I received a letter from the IRS warning me of hackers. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: To whom it may concer ; my name is XXXX XXXX XXXX. <P/>I wrote a check to XXXX XXXX XXXX from my personal checking account with Wells Fargo. I and XXXX XXXX XXXX had an agreement over the phone and I put on back of the check a Restrictive endorsement. The problem is XXXX XXXX XXXX scribbled out the working of the verbiage on back of check. This is the part they agreed to delete this settlement from my credit report. Wells Fargo accepted the altered check and paud them out. I went to 2 different branches and I even spoke to a bank manager today X/X/2017 at the XXXX location and she said they could not return my money even though I told her that Wells Fargo is responsible for paying out when the check has been altered. They refuse to give me my money back.

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 12/31/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I love how my escrow is run now before the first of the year for 20 years they ran my escrow on XXXX now banks want there money Sooner it 's hard to believe that it 's anything positive for customer to get a bill in XXXX for something due on XXXX XXXX over the holidays besides I asked them to rerun my escrow for XXXX and they still raised my house payment what a joke how did this happen. What changed to fleece us again from banks

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was told that nelnet had my student loan and my loans had gone into collections. I called telnet and they told me that they had no knowledge nor info on my account, and that it was referred to a dept collection agency and l now owe the collection agency and l would like to know how do l owe them anything?

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (UT).
Issue: Billing statement

Complaint: We carried an ongoing balance on an American Express Credit Card. Each billing statement, indicates the statement balance to pay and the total balance to pay. On XXXX XXXX, which was the payment due date, we paid the Total balance in full. Now a new statement has come in and they have charged me some type of fees and more interest. We had {$8.00} in charges and {$130.00} in fees and interest. Their explanation is that in the fine print of the agreement it states that they can charge fees and more interest on balances or payments that were made late in the past. I asked them, based on this, how would one ever be able to pay off a balance if they were allowed to tack on fees and interest for the past AFTER the balance was paid in full. They said it was in the agreement and totally legal. I said, even if it is legal, is it right? I paid off the balance in full, there should be no new charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (I do not know) with CITIBANK, N.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Citi Bank-Direct. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within XXXX 10 XXXX ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction XXXX XXXX ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My issue is with Midland credit mgmt. They keep calling and calling from multiple 3rd party numbers directed through the US from an office in XXXX and I have not authorized anything from them and tell them to contact me after work hours from a US based office to review there claims of debt., they are pushy and dont want to take no for an answer even after stating that I am at work and can not talk. My wife had an issue with them as well and after she did pay them, they stated she never made final payment and kept charging late fees and refused to work with her.

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