milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and there is an unauthorized and fraudulent account listed on my Trans Union credit report that do not belong to me. The following account is fraudulent : XXXX XXXX Bank, XXXX/XXXX/12

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 09/23/2016 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Unsolicited issuance of credit card

Complaint: I just received, and the co-owner of my home also received, a credit card from Wells Fargo. The XXXX cards had the same account number. Neither one of us requested such a card or applied for such a card. I have never had an account with Wells Fargo. Since Wells Fargo had already been fined for such activity, this is really unacceptable. Clearly the fine for their unethical activity was far too small since they continue to start accounts which were never requested.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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 sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (ME).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: When Lowes posts payments to your statement they take the payment and prorate it over all your different ongoing accounts that have different due dates IE 6 months 12 months etc. By doing this your oldest due date may never get paid off completely, and you get charged the interest. I really thought this was declared illegal along time ago, and NONE of my other cards do this. Even some from the same bank as lowes. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (WI).
Issue: Managing the loan or lease

Complaint: Lowes Credit Center keeps calling our business & hanging up. We have told them about 13 times already to remove our phone number out the list & that whoever they 're trying to contact to use their personal phone & our staff ca n't recieve personal calls. They are disruptive to our business. They say they remove our number but we still get the daily all day hang up calls. By the way they also violated privacy of the person they were really calling by telling me the name & reason for their call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (NM).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: On XX/XX/XXXX at-or-about XXXX, XXXX XXXX the Company Manager for Crosslands of  XXXX, Discriminated in a Continued ( Unfair/Unequal Rent ) for 9 Months of {$900.00}. XXXX XXXX On XX/XX/XXXX also, Discriminated in Fair Credit by, Theft/Tampering of my Debit/Credit of ' my XXXX XXXX and Elan Financial Accounts. As, of XXXX XXXX I ' am being Discriminated in a Fair Opportunity for Housing.. As, XXXX XXXX has Dicriminated in Equal Rent as well as, Discriminated in Fair Credit Reporting.. And is intent on making Made Cause for Discrimination in Fair Opportunity for Housing. Elan, has a responsibility working with the Credit Bureaus and XXXX XXXX XXXX to ensure that ' there is, Fraud, Theft or Tampering of my Accounts.. As ' this is ' an Continuning Affect for ' Fair Rent, Fair Credit Reporting and A Fair Housing Opportunity.

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 01/26/2017 about Debt collection (Credit card) with First National Collection Bureau, Inc. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I have received a letter from the First National Collection Bureau. They have sent this letter for a company named XXXX concerning a debt that was on my credit report in the past and charged off on XXXX/XXXX/2007 according to this letter form First National Collection Bureau. With that being the case any statutes of limitation has run it 's course. 
XXXX XXXX has received letter 's in the past from my attorney to cease collection efforts and they agreed with letter to my attorney. Now they are using this other company to collect an uncollectible debt. XXXX XXXX is well aware of this and this is an illegal attempt to collect an uncollectible debt. This is an attempt at scamming me, If I was not aware of the law, I would not know what to do. This company, First National Collection Bureau does not preform it 's due diligence before it sends out it 's notices. If they had they would see that this is uncollectible yet they try to scam people on a regular basis. I know several people that have had this company try to collect uncollectable debts. They even offer a " convenient '' repayment plan for those that are unaware of the law. 
This to me seems to be in violation of the fair credit reporting act, violation of the Fair Debt collection Practices Act and is probably in violation of Oregon state law as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citi Gold account online and entered a Promotion Code : XXXX where I would receive XXXX Thank You points after completing bill payments in two consecutive months. I received verification during the online application process that I was eligible for the bonus. A few days after applying online, in a follow up phone call while speaking to a Citi representative, the person specifically stated I was eligible for the promotion. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and I have kept XXXX with Citigold account so that I am not charged with monthly fees associated with the account. A follow up email and phone call with Citibank confirmed that the previously stated requirements were met. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited, Citi has pulled a bait and switch, and saying that I am not targeted for the offer even after confirming that I am. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.

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 06-06-2015 about Debt collection (Medical) with Alorica Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that I would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortage with SLS and I and begin force into a foreclosure. I have been trying to do a loan modifcation with no succes, I would send in my documents and when I can they would put me on hold never answer my call, or they would hang the phone up on me. I have tried and tried I even tried to do a short sale there is no working. I am being force out of my house rhat I have with me and my kids, on to the street in the cold. And SLS is being allowed to get away with it, I dont know what to do at this point Im in a loss, loss situation. Sls do not need to be in business, I have been lied to and I am begin force out my home for weeks, I would send in paperwork that they say they never receive, deceive and lied to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: On XXXX XXXX, 2017, I attempted to gain verification and validation of the debt via Equifax credit reporting bureau. To date, all I 've received was a bill from the original creditor. I do not have a contract with XXXX XXXX nor do I owe them any funds. However, XXXX XXXX is reporting negatively on my credit file. Ref acct. # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Balance transfer fee

Complaint: I was a previous member of Costco while the primary card was still XXXX XXXX. I cancelled my Costco membership in XXXX 2016 and constantly checked my XXXX XXXX account to make sure that there was no remaining balance. I was unaware that my balance would be switched over to CitiBank and now I have accrued multiple late fees and interest which has also had a detrimental affect on my credit. I have never missed a single payment to Costco nor XXXX or any other credit card prior to this incident. If I was aware of the switch over of my balance to CitiBank I would have paid it off. I will gladly pay off the original amount I owe, but it is unacceptable to not be able to remove the accrued interest and fees. The CitiBank representative that I spoke to was XXXX, ID : XXXX. I am not okay with the service that was provided and I expect Costco and CitiBank to resolve this issue.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In   XXXX  , I consolidated my student loans through loan  servicer   XXXX   XXXX   XXXX   a nd the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded m y 10 year old l oan as " closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the same  10 year old stu dent loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped m y credit score   XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a home.

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 03/28/2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: onXX/XX/2017. I received a statement saying that I had a refund coming to me. In the amount of {$450.00}. The refund was because Citi card had improperly charge too much money or interest on a product that would pay your credit card balance, in the event that I would get sick, hurt or lose my job. So some government oversight group made Citi refund back monies for that product. Due to what ever they did wrong? So after 2 months I never saw the refund check. I called Citi 4 times. 1 call was brief. And they would check on the status. They said I got the money and the check was cashed. I went to My bank and researched no money was processed. 3 other calls were made At Painful length. I got a copy of the check. It was not my signature..and I had not cashed it. I tried working with Citi for a Fraud or  illegal cashing of the check. I asked for the record of what bank cashed the check.. so I could start to figure this out. They Can't tell me who cashed it. 
I told them the endorsement of the check was not my signature, and that I still want the refund coming to me. 2 Times they sent me the check copy when I asked for resolve. So they keep going to step 1.. and their investigation team was going to look deeper for answers..And I have heard nothing. Now their in the news for charging a High Default rate for extended lengths of time.. I did make some late payments due to work issues.. So I may fall into that category as well. But one thing at a time. Very frustrating ...

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 03-09-2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: in XX/XX/2014 i have moved out a apartment complex called XXXX in XXXX TX and they reported some fees to a collection company called National credit XXXX i advised them i have a letter that i turned my keys and garage opener and that they done the walk through with me and they kep saying that im refusing to pay and that they will take me to court i want some of the fees lowered and for them to work with me and they refuse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is who I have my mortgage threw at XXXX XXXX XXXX XXXX XXXX Texas I am complaining about my Insurance that I have on my mortgage, late charges from XX/XX/XXXX threw XX/XX/XXXX, XXXX, was charges for XX/XX/XXXX threw XX/XX/XXXX was different from what XXXX charges, My dwelling was almost double add up to over XXXX per year. My monthly mortgage note was over inflated, FHA insurance was not matching was they was drawing from my escrow, over charges on escrow and saying they gave me a refund, I received on two payment from XX/XX/XXXX threw XX/XX/XXXX and check was deposit or said cashed to my account do n't match my signature, retaliation on not excepting payment in XXXX/XXXX/XXXX I send it about four time and it was sent back, retaliation letters to foreclosure on my home, I never missed or been behindRetaliation for filling a complaint with the OCC for foregoing my name to document, they said I request for assistance but I did n't they called me and I said I never been behind on my mortgage and send treating letter of foreclosing, when I call for a pay off they refuses to give it to me, I would like my whole account looked into, if they want me to vacate my home then they need to pay off what I owe on my home, giving out my private information and phone number to brokers, pulling my credit report without my permission for marking there products, signature on deposit slip sign by employees,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree merged with Ditech. We received a statement in the mail from Ditech ( we have an XXXX loan and the XXXX is with Ditech XXXX. We have tried calling their customer service on XXXX different occasions as we need a statement of the last 12 months of transactions. We tried to create an account online but it is saying it does n't recognize that account number. Every time we call the customer service number we get a different answer ... .they ca n't find our account but do n't know why we ca n't access it online. On several occasions they say they ca n't find our loan based upon the Loan number they gave us nor the social security number and address tied to the account. Either this company hires incompetent employees or they are shady ... .I am leaning more towards shady. Is n't it our right to access our account information? Are n't we entitled to get this information when requested. I would also like to mention that this account is and has always been in good standing. If they ca n't find us when we call, how can we be sure they are applying our payments correctly?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Other fee

Complaint: I paid off my American Express card and was then charged a {$2.00} fee on my {$0.00} balance. It 's listed as a " minimum interest charge ''. I do not remember agreeing to pay this. It makes no sense.

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 04/30/2016 about Student loan (Federal student loan servicing) with Dream Center Education Holdings (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: ON XXXX/XXXX/XXXX I contacted South University online by requesting and paying the fee for an official transcript. After not receiving my transcript, I contacted South again via email on XXXX/XXXX/XXXX and an unofficial transcript was faxed to my requesting party with the promise of an official transcript being sent out the next morning. At XXXX XXXX/XXXX/XXXX, I received an email advising me that my transcript request could not be processed and that I needed to contact the included phone number. On XXXX/XXXX/XXXX, I contacted the number and was told that my debt had been sold to a collections agency by the name of XXXX XXXX XXXX and was given a number to contact. I completed my degree in XXXX. I have not heard from South since with the exception of receiving a check at the end of the last term. I have not received any phone calls or letters advising me of a balance and would not have expected to because the school was paid before I was and I did receive an excess check. Now my issue is that my employment is being held up because I ca n't get my official transcript. Also, if my debt was sold to XXXX XXXX XXXX, I no longer owe South University, I owe XXXX XXXX XXXX and at no point and time have I been contacted by them. So my official transcript should be sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2016 about Debt collection (I do not know) with Atlantic Credit & Finance, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calls and threatens jail time..want all calls and contact to stop. I do not owe this debt and if I don it was past the statute of limitations. They are now calling illegally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Debt collection (I do not know) with Jonathan C. Frank & Associates, LLC (SC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XX/XX/XXXX - XX/XX/XXXX Various text messages received regarding a debt. 
Tuesday, XX/XX/XXXX - Relative contacted regarding a debt. 
No notice of any debt in writing to date. 
I do know what this is related to or if it 's a new fraud method. 
Traced phone number to www.jonathancfrank.com

Company response to consumer: Untimely response
Consumer complaint received 05-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX # XXXXThis collection agency is collecting for XXXX, which they bought the debt from. Enclosed is a letter and an invoice from them, which they are saying is enough to verify and validate the debt under 15 USC sec. 1692g. THE LETTER AND INVOICE IS NOT VERIFICATION AND VALIDATION. THIS ACCOUNT WAS ESTABLISHED THROUGH ID THEFT AND FRAUD AND I NEVER HAD AN ACCOUNT WITH XXXX. I ASKED THEM FOR 2 YEARS NOW FOR A COPY OF THE CONSUMER CONTRACT WITH MY SIGNATURE ON IT AND THEY CAN NOT PROVIDE THIS INFORMATION AS EVINCED BY THE ENCLOSED LETTER. I never had an account with XXXX and this account is also re-aged and reinserted as it was removed before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief