milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I am writing to report unexplainable fees charged on my XXXX XXXX XXXX XXXX credit card. It is my financial habit to pay off any charges incurred on my XXXX credit card within the allotted time to avoid interest charges for current purchases. On my XXXX 2017 XXXX 's account statement, I received a fees charged for the amount of {$2.00} on an account for which I had a zero balance. I took action and contacted customer service to inquiry about the fees charged on XXXX XXXX, 2017 @ XXXX XXXX However, no one could explain what the fees were for or why the fees were incurred in the first place. They agreed to waive the fees but I had to pay the unexplained {$2.00} prior to the XX/XX/XXXX statement due date to avoid incurring interest at 29.9 %, and a late fee on the unexplainable {$2.00} fees charge on an account that has a XXXX ( XXXX ) balance. I took action to protect my good credit reputation and paid the illegal fees charges of {$2.00} in XX/XX/XXXX. Please note something fraudulent is happening with the XXXX 's account. Because the illegal fee amount is small, perhaps the company is hoping it 's customer 's will overlook it. Yet, if unexplained fee of {$2.00} by the number of customers who have a XXXX 's account, the fraudulent charges could bring in a hefty sum.

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 03-01-2017 about Debt collection (Credit card) with CITIBANK, N.A. (PA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Some guy from XXXX Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old Citibank card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.

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 01/26/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: I have disputed the amount via mail twice within the initial 30 days of being charged. The issuer however have not fully investigated the amount I am disputing and keep closing the dispute without telling me. 
I will not pay for charges made for services not received. I do not feel the credit card issuer is unbiased since it is the same company who charged the amount, they are not looking out for the best interest of the card holder me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with DISCOVER BANK (FL).
Issue: Arbitration

Complaint: My wife ran up about {$5000.00} credit on her discover card and they are trying to charge her 25 % interest. We can never pay this off. We have same problem with a XXXX credit card and they are offering no compromise or plan to help us get them paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Other debt) with AFNI INC. (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX i lived in the XXXX area of XXXX XXXX with XXXX XXXX in residence. i moved to the XXXX area and did my due diligence in contacting and and verifying the move and XXXX XXXX is working in new home. Everything was verified and XXXX was able to provide service. the day of re-install i was informed they can not provide service, when i call them i was told that service is available in my area but few condos have backward facing patios and are blocking reception. XXXX XXXX suggested that i pay for remaining 6 months and i owe this due to my contract. I have contacted them twice to install and same answer that they can not provide service. I tried to get my contract nulled base on the fact i should not pay for services that i will receive. i spoke with many rep and finally i asked for a manger i may speak with and was told " you will go no higher than me '' they have sold my debt multiple times on my credit, where some credit collecters were abusive some understood my issue and the following month i was sold to another collecter. currently i am under AFNI XXXX XXXX XXXX XXXX IL XXXX XXXX {$270.00} i feel my contract is nulled when no services are provided. Under my contract i am responsible prior to a move to setup re-install and insure that service are available in the new home. I did all i was required. if i followed the [ policy and was told under their reprensatives yes, and i shouldnt be responsible to fulfill my contract if XXXX Can not provide services.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX in which you have so where did XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX come from mor information place on my credit file that 's wrong. 

I 'm filing a FTC issue on XXXX on the same thing over and over incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold checking account with a promotion code for XXXX XXXX XXXX AAdvantage miles for signing up and completing some requirements. I received confirmations that my bonus would post by XXXX XXXX. Some time before XXXX XXXX, one of my friends had said he had some issues getting his bonus - Citi told him he was not eligible for the offer, even though Citi allowed him to sign up for the account and collected his monthly fees. So I reached out to Citi customer service to make sure I would not have similar issues - that I was indeed eligible for the bonus. I received written confirmation ( attached ) that I was eligible for the bonus and completed the requirements, and the miles would post after the XXXX statement. Now, the miles have not posted and Citi has promised an investigation taking 24-48 hours. It has been six days and so I am filing a complaint. I am not happy with the service and the account, and the longer they take to respond, the more monthly fees they will collect. This seems like a bait-and-switch from Citi.

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 11/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: GreenTree-DiTech MortgageI understand if someone needs to leave paperwork at your residence in reference to your mortgage. However, Strangers looking through your windows and taking photos is the worse violation that can be committed. I have notified many because of safety concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have filed complaints on the doctor, XXXX and the collection agency, ( XXXX ), with you earlier this month.for a doctor bill that i dont owe and should never been sent to collections.I heard back from the collection agency and they said the doctor with drew the account from them, and totally closed the account.i am now putting in a complaint on transunion to get it removed from my credit report

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 12/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by an attorneys office XXXX INC about a debt owed to XXXX University. This debt is not my debt. Also the monies owed were sent to this agency/office that has not provided details of the debt. I deserve details broken down of where this amount is generated from. Debt should be described in detail to the party that owes the debt. Not a one page letter sent showing only the amount in total. This amount could come from anywhere and anyone wanting someone like me to give them money. I am also filing complaints against XXXX University for reporting this information if they did in fact do so.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have found myself in a difficult situation since someone stole my identity. I feel I have exhausted all my efforts and need additional help. I have submitted to each of the credit bureaus a copy of both a police report, my identity theft affidavit, and a copy of my personal information i.e. my drivers license, copy of my passport, and my social security card. Additionally, I sent in a letter disputing the inaccurate information and got no response at all. It has now been over 30 days and I have yet to hear any response from them regarding the matter. I am now submitting a complaint to request additional help in rectifying the situation. I know the credit bureaus are each in violation of federal statute, and the only request I have is for the fraudulently reported information to be removed and blocked so that I am no longer affected by it. It has been interfering with me being able to get credit, gain additional employment, and hindering the quality of life I deserve to live.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX/XXXX XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A debt that has already been waived & credited on a utility bill, has been taken care of as of today- XXXX/XXXX/2016. This issue of what I DO NOT OWE has been put on DEBT COLLECTION thru Virtuoso is still on my credit report- I do n't owe a XXXX- I need this company to take this debt out of collections, this has been resolved as I say it again, has been credited & I need Virtuoso to correct my credit report NOW. XXXX balance is what is NOW.

Company response to consumer: Closed
Consumer complaint received 03/26/2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: A student loan from Wells Fargo was taken out by my daughter who e-signed for {$15000.00} for XXXX XXXX on XX/XX/XXXX. She used me as a cosigner without my consent and again e-signed for the loan. I was at work at the time at a XXXX  XXXX XXXX and was unable to use a computer to e-sign for the loan I did not give my daughter permission to use me as a cosigner. She has since defaulted on her school loan which has left me financially responsible for it. I have contacted wells Fargo about this incident. I even hired a lawyer to try and resolve this issue They keep sending me fraud packets of which I have sent them the documents that I feel are relevant to this case.. They wanted hand writing samples which I said were not pertinent to my case because nothing was signed. It was all done on the computer. 
I spoke to XXXX XXXX XX/XX/XXXX about the fraud complaint and they are giving me the run around. I only have a few more days and if I don't give the hand writing samples they are closing the case and I will be responsible for paying the full amount of the loan. The person I spoke to didn't seem to have a clue to what I was talking about. And said he would get back to me within 10 days which would be well past the 14 day time limit that they gave me in writing.

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 10/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX/XXXX/XXXX. I received electronic notice to recertify repayment plan by XXXX/XXXX/XXXX to avoid payment increase beginning XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX. I did my recertification application online at studentloans.gov XXXX/XXXX/XXXX. I inquired about the status of my application via message through the website of Fedloan Servicing ( my services ). 

No response received. 

XXXX/XXXX/XXXX. I inquired a second time via message through the fedloan servicing website. Waiting for response. I am worried that the deadline of XXXX/XXXX/XXXX will pass without my application being properly processed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I just hung up the phone again with experian credit reporting agency as there is numerous errors on my credit report. The customer service rep was not helpful and would not re-dispute previous information for me. My first complaint is XXXX account which I had submitted a letter directly from the bank stating that this account was never paid late. It is showing a late payment in XX/XX/XXXX. ( which is incorrect ). I submitted the letter to experian and it was corrected however yesterday XX/XX/XXXX I received an updated copy of my credit report and this account is listed with a late payment again so they re-inserted this wrong information. I asked the customer service rep to please re-dispute this for me and he told me I need to contact XXXX myself because it has been previously disputed. I contacted XXXX and was told I need to put my request in writing to have another letter for proof that this account was never paid late. I had this letter in my messages with XXXX shops but after 180 days the letters are automatically deleted. I am furious at the fact that this account is reporting as potentially negative and should go to a positive status in XX/XX/XXXX. This account was never paid late and it has been proven. Experian should have never re-inserted this wrong information again. My other complaint about experian is I wanted to request and account XXXX that is reporting as a charge off. I finally had it removed from XXXX as that too has been confirmed that this account was paid in full 2 years ago. Experian would not re-dispute it for me. My credit is extremely important to me and having an agent not assist me in my request is wrong.

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 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been a victim if inquiry 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 explanation
Consumer complaint received 04/22/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing XXXX loan companies that have used my information without my authorization. XXXX XXXX XXXX has issued a loan to someone who is not me in the amount of XXXX. XXXX XXXX XXXX issued an unauthorized loan in my name for XXXX. I have never received any monies from said companies nor have I made any payments towards the fraudulent loans. Neither of those loans are authorized by me. Despite numerous correspondence, Equifax continue to list the fraudulent accounts on the credit report. I have provided sufficient evidence that I have a victim of identity theft ( Victim 's copy of police report, Identity theft affidavit, XXXX XXXX XXXX statement proving that the loans was sent to a FRAUDULENT account in my name ). I have opened several disputes with the Equifax company to no avail. XXXX and XXXX have both removed the fraudulent loans. Any assistance with this matter will be greatly appreciated. Please forward any documentation requests you may have.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my debt on XX/XX/XXXX yet hunter Warfield continues to call multiple times a day every day. I 've told the man on the phone multiple times to stop calling that the debt is paid and he will not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: As I viewed my credit report, I noticed an unknown credit card account that does not belong to me. So I called the credit card company to clarify the situation and to resolve the issue. The company could not find any record of me having an account with them, however, they continue to lodge a negative item on my XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from AMCOL stating that I owed {$490.00} for a hospital visit on XX/XX/XXXX. I was not in the hospital on XX/XX/XXXX and I had not received any prior letters from the hospital stating that I owed money. I also did not receive any letters from my insurance company stating they would not provide coverage. I wrote a letter to them explaining this and asked for verification of debt. In return I received another letter and a bill which was dated for XX/XX/XXXX. There was no mention of the incorrect date on the original letter. The bill also shows that the total amount was covered by insurance and that I did not owe any money. I called AMCOL to have the account closed and they refused so I asked for verification of debt again. I faxed them the bill showing them that it does not show I owe any money and still continued to call me to collect debt.I asked again for proof of debt and received nothing. I also wrote them another letter and copied the bill I was given asking them again to close the account or provide proof of debt. I still have not received anything and the account is still open and effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is currently reporting several accounts as charge off accounts. These loans were paid in full via a loan consolidation.

Company response to consumer: Closed with explanation