milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Upon reading Citi Bank 's response letter sent to me yesterday I collected from it very little acknowledgement and still no understanding of the series of concerns and questions I have been reporting to them. Nothing at all was mentioned regarding the following, the fraud that took place at the same time as my credit increase request. Not even an explanation as to why I received numerous letters from Citi Bank to contact them regarding my credit increase, then when I contacted the phone number referenced on their letter no one at all helped or directed me to the correct direction. Furthermore, the many supervisors I spoke to who said they reviewed my concern regarding the discrepancy of my credit limit increase assuring me that it will be fixed and granted and noted on my account for the credit analysts. Moreover, calling customer service numerous times ( more than 15 times ) and not a single representative was able to accurately assist and resolve my concern. Finally, a reason and correction as to why did the customer representatives upon calling continuously requested a credit increase which lead to credit inquiries on my credit file was done to begin with and most importantly without my authorization or consent. To summarize I strongly feel that my report to Citi Bank to this date has been reviewed poorly and not in any way considered fairly and in goodwill. I am still expecting a more thorough review and a reasonable response with either it has been corrected or even not and a detailed response as to why it can not be corrected. I was told by XXXX at Citi Bank whom I have spoken to two times for a very short period that she was going to review the recorded calls. I still want to know in addition to my other questions above that if she reviewed the calls them why her response to me in no way solved any of my concerns? I can assure you that if in fact the calls were reviewed she or whomever will hear all that took place and how I was treated and misguided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 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: I tried to dispute this account because it has been over 8 years that this account has been opened and I wanted it to be removed from my credit report. As the result, this account came back on my credit report re-aged. 

I spoke to Equifax and they told me my account can not be removed because with a {$0.00} balance I need to wait 10 years. And it is showing a new date as XX/XX/XXXX and this account will be removed from my credit report in XXXX. They re-aged my account and told me there's nothing they can do about that. 

They also told me to try and contact the creditor company and ask them to send an authorization to remove the account. 

I called the creditor company and they told me it is impossible that my account re-opened unless I applied for a new credit line which I did not. I tried to explain the situation to her which she did not want to listen, and she told me they can not remove anything. 

I know my rights and I know that they can not leave bad debts more than 7 years on my credit report and re-aging accounts are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with CITIBANK, N.A. (KS).
Issue: Other

Complaint: I opened an American Express XXXX rewards account back in 2011. Recently, American Express sold the XXXX loan portfolio to XXXX due to XXXX dropping American Express at their stores. When I recently viewed my credit bureau report with XXXX, American Express is failing to accurately report my credit history from XXXX to XXXX. Specifically, they are not reporting my monthly balance, my monthly payment, or how I paid the account. When I went on XXXX 's XXXX page, others are reporting the same problem. Many are stating their credit scores have dropped by XXXX-XXXX points. Mine has dropped as well. American Express should accurately report the customer 's credit history despite the loan transferring to XXXX. It seems like a really manipulative way to get back at XXXX for not renewing their contract. While I have filed a dispute with XXXX, I believe the Consumer Financial Protection bureau should be made aware of the situation anyhow. Plus, American Express should report my credit history accurately on all XXXX of my credit bureaus. Lowering my credit score could cause me and other consumers to pay higher amounts in interest on future loans.

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 Debt collection (Payday loan) with Broadway Account Services (IN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: A gentleman from a unknown phone number called me on XXXX/XXXX/XXXX at XXXX pm. The gentleman identified himself as XXXX XXXX, a investigative officer from XXXX XXXX in XXXX, Kentucky. He told me I had criminal charges pending against me and that I needed to call a XXXX phone number and give them a account number he gave me for further information. I told him that it was against the law to impersonate a officer for a debt collector. He said this was not that. I called the number and it was a collection agency who claimed I had a payday loan debt. The company could not give me a date of the loan or the address of the company that the loan was supposed to be owed to.They threatened to take me to court if I did n't give them current info or acknowledge the debt. I told them I had never received any information regarding this debt and that I needed something in writing they refused to provide it. They claimed this debt was prior to XX/XX/XXXX but, that the claim was filed then. The name of the company is Broadway Account Services.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained my home loan through BoA ( of course they only administer it now, as it was bundled and sold to XXXX XXXX ). Over the last 3 years I have sent an additional payment to be applied against the principal of my home loan four different times, and each time the funds have been credited as future monthly payments rather than towards the paying down of the principal. Each time I must call customer service, wait on hold for 35 min. and then spend another 10 min. getting it sorted out. Each time I have been told that I have done everything correctly in the way the payment was clearly marked " Principal Only '', and that they do n't know why the " mistake '' was made in how the funds were applied. Four out of four times is not a mistake, it is a clear pattern. It appears that Bank of America wants to make it difficult for the millions of customers, whose loans they administer, to pay off their home loans early. It must not be in their financial interest to have us do so, but it is our legal right. I have already filed complaints through official BoA channels and sent letters to executives of associated departments. No improvements in 3 years. If they wanted to provide the service they claim to provide, they could easily put the right systems in place. We bailed these greedy cheating folks out in a big way, it is time they were held accountable, time for them to perform as advertised.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 XX/XX/XXXX and inXX/XX/XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX  filed a XXXX notice with the IRS in XX/XX/XXXXdeclaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XX/XX/XXXXtax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit.
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XXXX XXXX has refused to correct/

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 03/17/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: ON OR AROUND XXXX XXXX, 2016 CONSUMER ( MYSELF ) FAXED TO CREDIT REPORTING AGENCY " EQUIFAX '' A IDENTITY THEFT FRAUD AFFIDAVIT PACKET CONTAINING A XXXX POLICE REPORT AND SEVERAL DISPUTES ALLEGING FRAUDULENT ACCOUNTS BEING OPEN WITHOUT HIS ( MYSELF ) CONSENT. PER FEDERAL LAW, INFORMATION RECEIVED TO BLOCK SUCH INFORMATION SHOULD HAVE BEEN TAKEN WITHIN 5 BUSINESS DAY HOWEVER, CONSUMER HAD TO CONTINUOUSLY DISPUTE ACCOUNTS AS IF NOTHING WAS EVER RECEIVED VIA FAX. TO THIS DATE NEGATIVE ITEMS REFLECT ON REPORTS AND EQUIFAX IS REFUSING TO TAKE SUCH ACTIONS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are numerous inquires on my report that I did n't authorize I first reached out to all of the companies listed on all XXXX credit bureaus reports after 60 days and no hearing anything I sent letters to the credit bureaus they sent letters back telling me to reach out to the companies which I already did. So I called and all XXXX bureaus did the same thing. They told me there is nothing they can do! This has been going on since XXXX XXXX. I have never applied for something and not been approved. So all the inquires on my reports are not accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Checking or savings account (Other banking product or service) with SUNTRUST BANKS, INC. (GA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: XXXX XXXX has stated that I received refund/stipend checks in excess of $ 49K in addition to the cost of attendance, which also include refund checks in that amount. I do n't feel this is correct and I need assistance with obtaining all checks I cashed from XXXX XXXX during XXXX-XXXX. 

I do not have an account with Suntrust. I cashed the checks from XXXX XXXX because this was the name on the refund checks they mailed to me.

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 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XX/XX/2016 XXXX, TX XXXX XXXX affecting my credit ssomething that was paid over more than a year an half. i want it removed of my credit not open removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Problems caused by my funds being low

Complaint: I opened an account with my then boyfriend, XXXX XXXX, at the US Bank branch he XXXX in XXXX Illinois a couple years ago. I kept the account, even after we had broken up, as a savings vehicle. I rarely have more than {$100.00} in this account. The last time I checked the account, there was less than {$10.00}. I received an e-mail alert about a new balance yesterday and checked my account. It 's in the XXXX by $ XXXX. US Bank will not help me. They refuse to refund the overdraft! They state that I signed a form that gave them authority to authorize purchases on my card, even if I did n't have the funds to back them up. They are refusing to give me a copy of the form I " supposedly '' signed that gave them this permission. Furthermore, they left the final decision in my ex-boyfriend 's court. He naturally denied to refund me the overdraft! I have tried to work with US Bank. I asked to close the account and they wo n't. Even after I have paid {$150.00} towards the balance ( automatic debits that had the wrong information to draft from ), there are still overdraft fees to keep the account open. Every 8 days, they are going to charge me another {$25.00} for the overdraft 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 explanation
Consumer complaint received 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/16/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (VA).
Issue: Making/receiving payments, sending money

Complaint: I subscribe to a credit monitoring service and was recently alerted that a hard credit inquiry from XXXX/XXXX had been registered on my XXXX credit report. After doing some initial research, it seems that other consumers have identified this bank as XXXX of the lenders behind the PayPal " BillMeLater '' feature. While I am a PayPal customer, I did not sign up for this feature nor did I authorize them to pull my credit. I have disputed the inquiry with XXXX. I want to make sure this inquiry is reversed and no account is opened as a result to prevent fraudulent use of a financial account established using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX , XXXX. amount is {$11000.00}. I have disputed this with XXXX XXXX XXXX , XXXX. several times and also sent XXXX XXXX XXXX , XXXX. a debt validation on XXXX XXXX, 2017. XXXX XXXX XXXX , XXXX. has not responding and also have reported me to all three credit reporting agency 's.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Delinquent account

Complaint: I have a credit card with Bank of America, I have been paying my account on time via recurring payment or auto debit option with a fix amount of {$50.00}. XX/XX/2016 my minimum amount increased from {$50.00} to {$55.00} so the payment were less than amount due. Since I was enroll in auto debit option I was not paying attention to account statement. I found about this only when my account was reported delinquent to credit reported agencies. I never received a notification from the bank that I 'm paying less than amount due and when I called customer service the agent told me rudely that it is not their job to notify customers that I have being paying less than amount due. 
They not just reported my account late but also charged me late fee for XX/XX/XXXX till XX/XX/XXXX while I have been paying {$50.00} each month.

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 07-10-2015 about Debt collection (I do not know) with Featured Mediation, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX & XX/XX/XXXX I entered into an agreement with a debt collection company to pay a credit card debt. The amount owed was paid in full and the account was closed. It was for a credit card I believe XXXX bank. I have never heard anything since and have not seen the debt reported on my credit reports as deliquent after being paid off. Recently this Featured Mediation LLC company has been calling XXXX times a day to my husbands phone and to family friends stating I have no choice but to pay the debt or have my wages garnished XXXX % and have legal proceedings brought against me including jail time. The calls are constant and very threatening. We have saved some of the voicemails that have been received since giving up answering the calls. A letter has been sent to the company requesting they stop contacting via phone ( although it may not have been received as of this complaint as it was just recently mailed ). I 'm not even XXXX sure if the debt they are claiming is the same as the one I paid as I paid off a XXXX and they are stating XXXX, but it 's the only credit card I had at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: I have been an American Express business cardholder member since XXXX. Both my personal name and business name appear on the card. I used the Amex to make XXXX recent transactions to my business via XXXX. The first transaction {$3000.00} was placed on XXXX XXXX, 2017 and the 2nd transaction of {$5000.00} was placed on XXXX XXXX, 2017. On the evening of XXXX XXXX, I received an email stating " Notice of Account Cancellation ''. I spoke to an Account Rep at Amex and was informed that this was done automatically through a computer for suspicious activity and that the account is 'Closed ' and there is 'No Way ' to reopen, with no remedy offered for reactivation. There was never an attempt to contact me via phone, text or email - prior to cancellation! There was not a denial of charges, charges went through and therefore, I was unaware of ANY issues, regarding these transactions. The aforementioned charges now appear on my Amex for repayment. How can they be an illegitimate charge and I/my company still be required to pay them? And, if legitimate, how could this warrant American Express to cancel '?

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Problems when you are unable to pay

Complaint: On XX/XX/XXXX my lease for my XX/XX/XXXX XXXX is completed. I am going through personal health issues with XXXX, my husband and I thought that the best thing right now is to keep the SUV and fiance the remaining balance. I will be XXXX % honest that some payments were late, but I never had any repocession and I always caught up. This was do to me being ill. Not because we did not want to pay. On Toyota 's side and what they reported to credit agency 's is inaccurate. I tried XXXX times to straighten out with Toyota and dealership. Neither helped. I then have been contacted by both the dealership and Toyota of my expiring lease and what my next step is. I emailed the dealer telling them what my current situation was pertaining to car and health. Because Toyota destroyed my credit - I had to get a co-signer. I had the proper co-signer, more then sufficient income XXXX {$1500.00} a week via spouse ) and that I would be able to put a down payment. Toyota refused. They caused the issue by not reporting properly or every time I faxed ALL their XXXX logs from my credit union magically never got. I have been called a deadbeat by a XXXX XXXX XXXX agent - then Toyota paid ME {$100.00} in good will via claim filed through CFPB. The dealership promised I would get approved no worries. Now not the case and have ignored me since. I have been approved through XXXX other dealership ( XXXX and XXXX ). Now I am in a position health wise I have been given XXXX months to a year to which Toyota was informed. Still did not matter. I have tried XXXX times to correct situation. Now I will be with out a car. This all transpired over XXXX - when I really should have devoted my time to my XXXX children and spouse. I attached texts from dealership saying " Do not worry it will get handled ) .... The new fiance XXXX I am dealing with his very assitant has and is having same issues with Toyota. I have texts from that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Auto) with WELLS FARGO & COMPANY (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an auto which Wells Fargo repossed XX/XX/XXXX for late payments. In the year XX/XX/XXXX, I received a XXXX which was to claim income on this debt. 

After two years since then, the amount is remaining on my credit report. 

Is this proper? Can I get it removed as I am trying ever so hard to clean up my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Im not sure of the exact dates. But within the last 7 months ive submitted letters to to XXXX, XXXX  and TransUnion to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.

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