milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2016 about Credit card () with CITIBANK, N.A. (ND).
Issue: Customer service / Customer relations

Complaint: XX/XX/2016 I called Citi credit card co. to get the payoff amount of my credit card, {$610.00}. I explained to the person at Citi that I would like to make the payment through BILL Pay XXXX XXXX because that is where all the other monthly payments were made. I explained that the payment would arrive about 5 to 7 days late and if that was OK I would proceed with the payment. I cut up the credit card and made what I assumed was my final payment. Citi did charge me a late fee of {$25.00} and I was not aware of this until they started calling me in XX/XX/XXXX. I did receive Citi card mail but was not aware it was a late fee but thought it was just information about my cash rewards and other offers so I never opened the mail but put them in the trash. To date my account is at {$120.00} because of late fees on top of late fees. Citi agreed to reduce it {$86.00}. but I feel I paid them in full when I called in to get the payoff amount. They have no record of this call. Do I have any rights or do I need to just pay the ridiculous late fees?

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 09/22/2015 about Debt collection (Non-federal student loan) with Integrity Asset Partners, Ltd. (TN).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Violating FDCPA by stating removal of license if debt not paid. Multiple harassing calls and emails

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Other bank product/service) with APPLE FINANCIAL HOLDINGS, INC. (NY).
Issue: Account opening, closing, or management

Complaint: Good Morning to whom this concern This incident is totally about disrespect, and lack of respect, as well my name is XXXX, my wife XXXX went to the Apple bank in the XXXX on XXXX & XXXX XXXX on the morning of XX/XX/2016, just to get a letter Notarize, the Notary a XXXX woman there, was very very professional and kind and was telling my wife and I about opening an account there which we were considering, being a XXXX I have seen and felt so much issues? from all walks of life but I will always believe 1 day we all learn to respect one another, just then an XXXX woman came from another direction walk toward her desk and shouted to another worker at another desk ( while looking at me ) why she did not put her pocket book away, the other worker apologize for not putting it away, I was so offended that I told my wife I am not opening an account there, once the notary was done I told my wife outside what the woman had said, she said that she was talking to the notary and did not hear everything and she wanted to go back in and say something to the woman but I told her no, that I a will write an letter to the President of Apple Bank, The woman who made that remark ( Manager or Not ) should be reminded words can hurt and be offended and profession is required by all Levels Thank you for listening XXXX XXXXXXXXXXXX The service do not give me an option box to click on so I will click on Management because she was woman was on higher than a teller level My number is XXXX I do not wish for her to be fired just remind her to stop judging. Thank You again

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Transunion : XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This complaint is in reference to XXXX account XXXX. 
In my view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " Collection '' if the account was open and not charged off and I filed bankruptcy. Refer to the current credit report. I filed for bankruptcy on XXXX/XXXX/XXXX. Such a designation would be inaccurate or misleading, because it would indicate that the XXXX XXXX XXXX had written off the account at the time of bankruptcy when it had not in fact done so. Continuing to report a discharged debt as due and outstanding after bankruptcy is a violation of the US Bankruptcy Code. May I reference two cases : In re XXXX, XXXX ( XXXX ). Here, the court relied heavily on two cases, XXXX ( In XXXX XXXX ), XXXX ( XXXX XXXX ) and XXXX ( In XXXX XXXX ), XXXX ( XXXX XXXX ), for the propositions that when a creditor falsely reports unpaid balances which are stayed or discharged by a bankruptcy, it impermissibly attempts to collect that debt in violation of the automatic stay... and the discharge injunction... 
I order you to remove this account from my credit report.If you do not immediately cease and desist the negative reporting to the CRA 's, I will file a Motion for Contempt and Request for Sanctions against you in bankruptcy court FL Southern District, Per the XXXX case, negative reporting on a discharged debt is a violation of the permanent injunction of my discharge ( XXXX XXXX/XXXX/XXXX filing date, XXXX/XXXX/XXXX discharge date ) and as such you are in contempt of a Federal Court Order with your continued negative reporting on the discharged debt.

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 10/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was sent a threatening letter from navy federal regarding an account that was left with an outstanding balance. They threatened legal action via email & by phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (I do not know) with High Point Asset Inc (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Repeated calls to my mobile number stating that I am a person of interest and they need to locate me to take a statement. Prior tactics included telling me that I would be served at home and at work by a certain date and time by a processor. Accusations of fraudulent checks for a debt I can not even verity I owe because prior discussion with company resulted in their representative refusing to give me information on the debt, becoming verbally abusive and then hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: VIOLATES HIPPA AND CRA

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of XXXX a XXXX XXXX XXXX I cosigner for was totaled. After insurance paid there portion Honda financial still had a XXXX balance. But she this car was purchased directly from.honda we also purchased gap insurance. Which covers the difference between what is owed and what insurance paid for. Honda financial has reported this account 120 delinquent and has now labeled it as a collection account and a chargenoff for there company which is highly inaaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Debt collection (Medical debt) with Community Health Investment Company, LLC. (UT).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I have a medical bill from my    XXXX   XXXX   . I am the insurer I always put myself as the responsible party. I asked the company to stop calling because we have a lot going on after a couple of deaths in our family. Now they are sending bills in my husbands name. I called them and they apparently know the law ... not so much. I work for a financial institution that is serious about deceptive practices and refuse to be bullied by this company and have my husbands name tarnished. I have never had anyone say they will send mail to my husband if I do n't pay my medical bills. This is also third party disclosure. Using your emergency contact to get a bill paid is really bad. I do n't have a problem paying I have a problem with deceptive practices  XXXX   XXXX     XXXX    XXXX   XXXX   XXXX    XXXX  Tn  XXXX .  Call date  X/X/17    amount {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My private loan company has been hounding me for payment after I have explained to them that I am currently unemployed and now not receiving unemployment. They will not work with me to defer the loans while I am unemployed and now are threatening to sue. They are forcing me to ask others for money which is impossible since my parents are both XXXX and living off the system. When I 've spoken to Navient, their representatives are rude and have an attitude and will not work with me. When I first called them back in XXXX when my loans payments were going to rise 80 %, I was informed by a representative that there was nothing they could do to help me until I had income coming in. I have been harassed for the last month and when I have spoken to them have been treated so poorly I was brought to tears. They have sent letters saying they want to work with me but when I call them I get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (VA).
Issue: Fraud or scam

Complaint: I purchased a {$500.00} gift card at XXXX VA. The transaction was approved and went through, but when I later tried to use the card, I found out the card was frozen. Someone had tried to use the card before I had bought it at the store. The {$500.00} was never loaded onto the card. I was asked to fax in information on XXXX XXXX, which I did. I was told someone would reach out to me, but nobody ever did. I finally called in and was told I needed to scan the receipt as well. I went ahead and did that. I 've called in every single day since, and they ca n't even confirm they 've received my fax. Still, nobody has reached out to me. It 's now past the 7-10 business days timeframe I was given. I just want a replacement {$500.00} gift card. I 've already had to pay the credit card charge and now I 'm in financial duress because of this company 's failure to respond in a timely manner to gift card fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was service released from XXXX to Select Portfolio Services ( SPS ) as of XXXX/XXXX/2015. When we received our initial statement from SPS, we noticed that the loan was setup incorrectly. We contacted SPS on XXXX/XXXX/2015 and advised them of the error. We generated and sent out a certified letter to SPS with the previous statement as to how the loan should be setup. On XXXX/XXXX/2015, we spoke to SPS and stated to them again the loan is still setup incorrectly. On XXXX/XXXX/2015 SPS called stating dispute being reviewed. On XXXX/XXXX/2015 SPS called again stating loan was setup correctly. We advised SPS that this is incorrect and to re-review the actual mortgage statements provided. On XXXX/XXXX/2015, we sent another certified letter to SPS in regards to the loan being setup incorrectly. We requested a payoff statement and payment history on XXXX/XXXX/2015 from SPS. We received the payoff statement and again it reflects the incorrect information. The only responses we have received from SPS is that they are in receipt of correspondence. Nothing in writing to our complaint or request of documentation. We are requesting assistance before we file a lawsuit against SPS in regards to our loan being setup incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 am writing in reference to a released tax lien that is reporting on my Equifax credit report as Docket # XXXX. The lien has been released since XX/XX/XXXX. I have filled numerous investigations in efforts to having this public record removed both by phone and by letter. Most recently XXXX and it came back " Verified as Accurate ''. This same released tax lien was removed from XXXX and XXXX after 1 investigation. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB in order for it to appear on credit file. Equifax has not updated their information and per the new law the Released Tax Lien listed does not include all the required information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit card () with DISCOVER BANK (IL).
Issue: APR or interest rate

Complaint: Because we had dual job losses a few years back, Discover placed us on a few programs to assist us with our payments. We made every payment owed. Our last statement showed that they are now charging us 24.99 % interest. Discover now says that our programs are over and thet we have to wait FIVE years before they will consider lowering the interest rate. It was never explained to us that they would charge such a high rate. We can not afford this. We can not make a dent in the principal because of the extremely high rate. We contacted Discover to ask for help, and were told " too bad. '' I fail to understand why we are being punished when we complied with their programs, have faithfully made our payments to them, and are not behind at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Advertising and marketing

Complaint: I have submitted a lifetime opt-out request about a year ago. I have since received numerous solicitations from citi ( XXXX XXXX, XXXX XXXX, SD, XXXX ). I have contacted them each time they send a solicitation informing them I have signed up for the " opt-out '' program and asking to be removed from all future contacts. They keep saying they will submit my information and remove me but obviously, they do not. Please tell me there is legal action I can take against them to hit them " where it hurts '' and get them to finally stop harassing me with these unwanted " offers. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OK).
Issue: Deposits and withdrawals

Complaint: Chase waited XXXX days to dishonor an item I deposited. When I called the Bank to complain I was given the royal run around and was given inaccurate information about the reason for the dishonor. My account has been debited for the amount of the deposit after XXXX days. Each time I asked for greater explanation the story changed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX, XXXX, XXXXThe name above is on my credit report and that is not me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/20/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: To Whom It May Concern, Been trying to text and call XXXX and ECMC but no response to contact, They mailed whatever to wrong address with wrong name. 
I have been through bankruptcy, loosing my house and all personal items, and moving to a better paying position. Called ECMC and told them I was not paying on this bill they labeled XXXX. In XX/XX/XXXX Married and XX/XX/XXXX graduated using XXXX. So big issue of who signed the paperwork. He forged my name to Fed and State Income tax as well. Called they refused to even change the name. There is no such person as XXXX. They have set payment beyond what I could do, question of who signed it, and how to get it turned around. Considered an Attorney for damages. 
I am doing well now, turned things around, and having more income. Want to get on with things. But I will not pay their interest on this for the past 16 months of sending infor to wrong address, question of who signed it, and in wrong name. They do not respond with any contact. I was striped financially period.

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. 

I do not have an account with this company. I did not apply for anything with this company.

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 09-02-2017 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please see attached dispute letter. 

Also, this account was previously deleted with XXXX XXXX Account Number XXXX ; XXXX XXXX, Account Number XXXX ; and XXXX XXXX XXXX XXXX Account Number XXXX. I am not sure why the account keeps getting resold when it was legally deleted from my credit report for violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Everyone I have disputed it with as deleted it because they have failed to provide proper validation and verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (I do not know) with Client Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a debt validation notice dated  XXXX    XXXX ,2017  from  XXXX   XXXX   XXXX  stating that an account (   XXXX    XXXX   XXXX   XXXX .  ) h as been placed with their organization for collections with a balance of {$3100.00}. On  XXXX   XXXX ,  2017  I sent  Client Services Inc  a letter that they received on  XXXX   XXXX ,  2017  to provide me with proof that this debt belongs to me. As of  XXXX   XXXX ,    2017  I still have not received a response from  Client Services Inc. Therefore, the collection agency failed to validate this debt  I the required time frame. I have attached a copy of both their letter and mine along with proof of them receiving my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Submitted a dispute to equifax confirmation # XXXX regarding the removal of two inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the Equifax failed to investigate the dispute from XXXX XXXX XXXX XXXX which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.

Company response to consumer: Closed with explanation