milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citibank closed my Sears cre dit card because according to the company, " 15 months of inactivity gave us a reason to close the card ''.  <P/> False.  <P/> There was activity as recent  as 1  week ago.  <P/> Sears Credit Card was supposed to list transactions that occurred  in  XX/XX/XXXX / XX/XX/XXXX  as fr aud. Due to incompetence and gross negligence, Sears treated the charges as a dispute and my charges remained on my card and interest and late fees piled on for months. After months of wranglin g, I Sears changed the dispute to fraud. I was " credited '' part of my balance.   <P/> I mention part of my balance, because yes, Sears brought the account to  XXXX , but what they are forgetting is that I made payments throughout the time fraud was on my account, to keep my credit card payments current. They stated that they credited all fees and charges, but there should be a credit balance on my account the payments I made.  <P/> On top of all of this, I received correspondence from Sears that the credit agencies were informed and received up to date, POSITIVE INFORMATION, that my account was  XXXX , paid in full and CURRENT and CURRENTLY OPEN.  <P/> I HAVE BEEN DEALING WITH CITI CARD SERVICES SINCE  XX/XX/XXXX  ABOUT THIS FRAUD MATTER AND BECAUSE THEY ISSUED THE TRANSACTIONS INCORRECTLY AND NEVER CREDITED ME, THEY NEVER SENT ME ANY NEW CARD.  <P/> AGAIN, I HAVE NOT HAD POSSESSION OF A CREDIT CARD FROM SEARS BECAUSE FRAUD WAS ON THE CARD. THEY FOUND THE CASE IN MY FAVOR AND THEY WERE AT FAULT.  <P/> I HAVE DOCUMENTATION PROVING THAT THEY ADMIT FAULT AND A WRITTEN APOLOGY. I ALSO HAVE DOCUMENTATION FROM SEARS THAT THEY WILL BE SENDING ME A NEW CARD AND THAT MY ACCOUNT IS OPEN. NOW, ITS REVERSE, THE ACCOUNT IS CLOSED?

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


Experian : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 09/28/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX written statements were received in the mail indicating that a collection agency was seeking to collect a debt. In addition, the statement was also sent to a previous address. I do not owe the amount that it states. 

Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Credit determination

Complaint: Pulled credit report without permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Settlement process and costs

Complaint: I am disputing the credit bureaus for retaining a closed account on my credit report. 
Chase Mortgage was transferred to another lender that bought them out in 2006 and therefore should no longer appear on any of my reports!

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Other

Complaint: I had several fraudulent transactions on XX/XX/2017 and XX/XX/2017. I called American Express several times to have these transactions removed, however each time I was given a different excuse. I want these transactions removed immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (FL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I have already complained about funds stolen from my prepaid cards XXXX and XXXX ( see case # XXXX ). 
US Bank responded on XX/XX/17 that I should sent them email with my driver 's license, copies of receipts and copies of my cards and then they would send me refund. 
I am unsuccessfully trying to get this resolved since that. I have sent them all this information several times, however no resolution was received. When I am trying to get the status of my case I am getting back emails that my case was closed. The last time I received a response that my email was received without attachment, although I have sent it with attachments several times. Moreover, they should already have a copy my driver 's license, receipts and copies of my cards because I faxed all this information to them in XX/XX/XXXX when I opened my case. It looks like they are just not interested in resolving my case.

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 10/30/2015 about Student loan (Non-federal student loan) with AES/PHEAA (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out a loan for my education in XXXX 2007, it was a student loan with my aunt as a co-signer. My loan is currently past due and I am not working, I have repeatedly spoken to XXXX as well as AES about my options with payments while I am unemployed however they keep telling me that the investor has no options. I asked them to send me the original loan documents that I signed with XXXX when I requested the loan and realized that my loan is at a much higher interest rate than a classmate who is male and white, and had a credit score that was significantly lower than mine was at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have filed numerous disputes with Equifax regarding inquiries and a collection on my account. They have an address listed on my file that does not belong to me. I call the companies and they say they have not received any correspondence from Equifax regarding the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Delinquent account

Complaint: I am a victim of identity theft. I have disputed this fraudulent account multiple times with Macy 's and have received no response with validation/verification of this debt. This account does not belong to me, and is not even in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (AL).
Issue: Problems when you are unable to pay

Complaint: I purchased a XXXX Mazda Tribute back in XX/XX/XXXX from XXXX XXXX Mazda in XXXX Alabama. XXXX XXXX Mazda is owned by XXXX XXXX XXXX. My contract reads " XXXX XXXX XXXX '', financed through Mazda American Credit. '' Or " XXXX XXXX XXXX, DBA, or " DOING BUSINESS AS '' " AMERICAN MAZDA CREDIT ''. We bought our Tribute new and struggled to keep it through a layoff from my employer by deferring our past due payments. Once our layoff ended and I was called back to work all was fine. Then in XX/XX/XXXX after being back at work for just a few months my employer again started to layoff. I knew we would never make it through another layoff. We had not recovered financially from the XXXX layoff. I called the finance company and asked what would be my best option for the Tribute knowing that they would repo it. There was no way I could make the payments. Our focus now was to try and hold on to our home. I was told that if I could VOLUNTARILY bring the car back into the lot I would save a good amount of money in fees and a voluntarily repo is far better than them coming to get it. Now I know there is really no good benefit. So that 's what I did. Of course they took me to court and got a default judgement on the vehicle or me that is. Just before my warehouse was to begin laiding off, I got hurt at work and was let go. Now I am XXXX and needless to say things have only gotten worse. We lost everything. Now for the part of why I am filing this complaint. My wife and I have done all we can to make sure everybody that has us in collections are being paid in full, or settled on an agreed amount to close the bill. My credit is totally in the tank. I have been trying to stay up with my credit rating and score and to get back to where we were when all this happened. While I was reviewing my free report for this year I noticed something that was not supposed to be there. " XXXX XXXX XXXX '' has me down as a " PUBLIC NOTICE '', which was or is, the default judgement. Thats fine, I know I still owe them money. But then I noticed " American Mazda Credit '' on there as having me in collections for the same amount owed. Why I never noticed this before is beyond me. I guess It just did not register. So what they have done is hit my credit score XXXX. Or double jeopardy. That is why I am filing this complaint, is to see if there is anything you can do to help me with this matter. Large corporations already have a shadow on us little people. This is really a low down way of doing business to gain even more of a way grip on the public. It 's no wonder it is so hard to stay in the good graces of the financial world. I want to pay off all my bills and I will but this goes too far and I need someone to help me get the bigs guys to at least just do what is necessary to protect them selves of course but at the same time, let me try and make good without the shady doings that they are doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (FL).
Issue: Settlement process and costs

Complaint: Citicorp XXXX Bank recorded a mortgage against my property for their client XXXX XXXX. They mistakenly used my property 's legal description to further describe the property address for XXXX XXXX. Obviously the address is different but the legal description is for my property and now it stuck to my chain of title and I am not able to sale my property because it list XXXX XXXX 's mortgage with Citicorp XXXX Bank as a third mortgage against my property. We explained to Citicorp XXXX Bank that they made a mistake by recording the mortgage against the wrong property but they refuse to get involved and want us to speak directly with their borrower to get fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with URS Holding, LLC (KS).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XX/XX/2017 I was contacted on my cellular phone while in class at XXXX Central Time by ( at that time an unknown female caller ) my caller ID listed the call as originating from ( XXXX ) XXXX. Upon answering the call there was absolute silence for about 5 seconds and then a few clicks and the caller asked for me by name and then stated the last 4 digits of my SSN and asked if it was mine I replied " um hum '' and then she asked me for my student ID number from the last college I attended. I asked her what the call was about and she just kept asking for me to verify my PII I then asked her who was calling and she refused to answer. At no time did she ever disclose at all the purpose of the call or even what business she was calling on behalf of. 

I asked her to just mail me whatever she was calling me about and she asked me to verify my address and I told her to mail the info to whatever address they had on file as I thought the call may have been some sort of phishing scam. She then repeatedly replied " So you do not want the information '' I repeatedly stated to just mail it to whatever address they had on file. After a bit of back and forth I informed her that I did not ever consent to calls on my cell phone and for whomever was calling not to contact me by phone again. At this point she asked if I wanted to speak to her supervisor and I said sure. At this point she disconnected the call so I called the number back that appeared on my caller ID and it connected to dead air and I was quickly disconnected. 

On XX/XX/2017 I received a collection letter from Alltran XXXX dated XX/XX/2017 for a debt allegedly owed to The XXXX ( Which I do not owe ) asking me to contact their office. On XX/XX/2017 I called their office thinking it was possibly their office that called me on XX/XX/2017 with the phone call that was in violation of multiple State and Federal laws. The individual I spoke to confirmed that it was them who called on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Ability Recovery Services, LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with Sentry Credit, Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Contacted Sentry Credit located at XXXX, XXXX, WA XXXX in late XX/XX/2017. A phone call for information was made on XX/XX/2017 to the office located in XXXX, WA and the collector that answered yelled and claimed NSF fees have been incurred. I held my composer and asked to speak to a manager and was transferred to a male representative who did not know anything related to credit reporting and the random account that was placed under my name. After being yelled at by this company and not getting any information pertaining to a {$260.00} amount hanging on my credit I am requesting removal of the account from my credit report. The Company did not act within legal parameters by threatening me verbally on the phone and later changing my commentary and statuses on my credit report. There is obviously something wrong with a company if they start adding random commentary on my credit report. I received no information about this debt within the legal time-frame. Under regulation 809 as stated within the Fair Credit Collection law, Sentry Credit did not respond to the consumer within five days after the initial communication in connection with the above debt. The credit needs to be removed immediately due to noncompliance with FCC law and FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2014, I purchased a living room suit and a dining room suit from Conn 's Home Plus. A company based in XXXX with retail outlets around the country. I bought my furniture in XXXX. A few months after the purchase, as well as earlier this year, I was between jobs and fell behind on payments. They have proceeded to hound me to death by " blowing up '' my cell phone. I have received as many as ten calls per day, even on days when I answered their calls to explain my situation. Yesterday I received ten calls. Today as I type this at XXXX MDT, I 'm up to six. I have had to turn off the ringer on my cell phone so I 'm not disruptive at work. The stress that I 'm suffering from this harassment is taking a toll on my health. 

Additionally, when I signed for the loan it was for " two years same as cash ''. They failed to notify me that if I missed a payment this agreement would be null and void and I would have to pay the full amount of interest even if I paid off the furniture early. So, I will end up paying thousands of dollars extra by the time I can finally pay the furniture off. I read that CFPB could possibly help me. I hope that 's true!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Upon checking my credit reports this evening, I discovered XXXX fake collections accounts with random amounts assigned to Commonwealth Financial Systems. 

The first is for {$610.00} and the second is for {$53.00} I do not owe any medical bills and am more than ready to sue Commonwealth financial, as this is damaging my perfect credit! 

I recognize their name, as they previously attempted to place fraudulent charges on my wife 's credit report several months back, too. Those were removed of course, because they are FAKE. 

The only time in the last ten years that I have been to the XXXX 2010. Those charges were paid years ago by the XXXX insurance company, as per our attorney, XXXX in XXXX, NV. There are no outstanding medical bills under my name. 

Commonwealth Financial pulls this same scam on thousands of people and I want these fake charges removed immediately, or I am more than happy to rise to the occasion and file a lawsuit for damages!

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a company called Commonwealth Financial reporting I owe a medical debt which I have not been to the hospital in many many years. I feel this is a mistake. I have disputed and it resolved nothing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by a law office in XX/XX/XXXX/XX/XX/XXXX alleging they were hired by Portfolio Recovery associates to collect a debt they alleged that I owed. I had a lengthy conversation with one of their reps on the phone, whom I actually filed a complaint on, because he threatened me with action he was not able to perform. After getting off the phone with him, I sent a verification of debt request, as awarded to me in my rights. After 3 weeks, I finally received a statement, which showed I owed " Portfolio Recovery Associates '' the money. I have never borrowed money from PRA, therefore they did not send the required and correct documentation. 

A few days later, I spoke with a call center manager within Portfolio Recovery Associates. She thoroughly apologized to me regarding the law office in Louisiana contacting me, and assured that she would have the account pulled from their office so that I would not be contacted by them anymore. She called me in reference to the complaint I submitted to the CFPB. I received a letter in the mail from PRA almost a month later, advising me of a debt I allegedly owed. It was as if the debt was new and they were just getting it back from the law office. 

I mailed them a letter advising that I requested a proof of debt letter from them, and the law office previously and that I had not received anything. Their response to that was to send me another statement, same as the last one, that had their letter head on it, with no mention of who they alleged I owed the debt to. 

I mailed them a response letter back, notifying them that I had never taken money from them, as they were the only company listed on the statement, and they had failed to provide proof of debt. I advised them that per my rights and the FDCPA, they were to immediately remove their reporting from my credit report. 

This all happened well over a year ago. 

I have received no contact from them since that point. I am in the process of selling my home and relocating due to my work. When my relocation company pulled my credit to get me a new mortgage for the new city I will be in, they advised me that PRA was still reflecting on my credit. 

This is extremely negligent business practices and they have no regard for the reporting on consumers credit that they are practicing. In the past, in dealing with them, they have been extremely vindictive and refuse to follow the policies and procedures put forth for collection agencies and I would like this handled. 

I now fear that they will attempt to sue me for these funds, although they have never provided proof of debt to me ( as required ), in response to my complaint I am submitting to you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: additional info pertaining to active claim with ftc I have asked Transunion for copies of my original signed documentation of file to verify each of the accounts that I have listed that this info is mine and is correct per the fcra I have a right to asked the credit reporting agency for. they have stated that they have verified that the info is correct. I have asked them to send me copies and also who did they speak to and they have fail to comply with my demand this is a federal law that all consumers have the right to asked the reporting agencies for this is the law I have attached a copy of the section XXXX act per the FCRA TRANSUION IS IN VIOLATION OF THE US LAW..

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