milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2017 about Credit card () with CITIBANK, N.A. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a continuing issue with Citibank. My original complaint # XXXX was disputed numerous times and closed without any resolution. Now I continue to receive collection notices from Citibank. The first Collection Agency was the XXXX XXXX XXXX which I sent a letter to on XXXX/XXXX/2017, disputed the account with and notified the credit agency that I was a victim of identity theft. I was told they would not contact me again. Then, Citibank changed the Collection Agency to a different company named XXXX XXXX XXXX XXXX to continue harassment regarding the identity theft. Then when I disputed the file again with Citibank, I was sent a letter that stated " So we can continue our investigation, please provide the following : The enclosed Declaration of Fraudulent Charges completed and signed by you and anyone authorized to use this card. If we do not receive a response from you within 15 days from the date of this letter we will complete our investigation with the information available. The letter is dated XXXX XXXX, 2017, today is XXXX XXXX, 2017. THERE IS NO DECLARATION OF FRAUDULENT CHARGES ENCLOSED IN THE ENVELOPE TO RESPOND TO AND NO PHONE NUMBER GIVEN. I just confirmed with CFPB at XXXX that the account has already been closed. The deceitful practices of Citibank must be stopped. HOW ARE YOU SUPPOSED TO RESPOND WITH NO DOCUMENTATION ENCLOSED TO RESPOND TO. ALSO, CITIBANK PUT THE IDENTITY THEFT ACCOUNTS IN COLLECTION WITH XXXX AFTER I REQUESTED THEM BY MAIL AND PHONE THAT I AM A VICTIM OF IDENTITY THEFT AND AFTER I DISPUTED WITH THE COLLECTION COMPANY INFORMING THEM I WAS A VICTIM OF IDENTITY THEFT, I WAS TOLD THEY WOULD NOT CONTACT ME ANYMORE. CITIBANK THEN, CHANGED COLLECTION AGENCIES TO 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 12/21/2017 about Credit card or prepaid card (Store credit card) with Colony Brands, Inc. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: i XX/XX/XXXX5 26 accounts open through fraud. Two accounts still open and in dispute. The accounts were reported to credit agencies and ftc. Personally called open accounts and filed a dispute. They refuse to offer a letter to lender to say these are not my accounts. We are in an offer to by a home. the rate is at XXXX instead of XXXX because of this fraud

Company response to consumer: Untimely response
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Credit decision / Underwriting

Complaint: My husband and I refinanced in XXXX ( two weeks outside of HARP eligibility ) with Santander ( formerly Sovereign Bank ). In XXXX, my husband and I divorced, requiring me to refinance alone, in order to remain in my home. The lender refused to consider the combination of my XXXX income and private XXXX income, and required me to add my elderly retired father as a co-signee/guarantor, as a condition of refinancing, both in XXXX and again in XXXX, when the loan was refinanced to a lower interest rate. After reading CFPB Bulletin 2014-03, I believe this action violated the law, because my XXXX income and excellent credit should have been ( and continues to be ) sufficient to refinance the 30 year fixed rate loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 08/18/2015 about Student loan (Non-federal student loan) with Loan Science, LLC (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am unable to pay the full payment amount which is $ XXXX+ per a month for my student loan. I called Loan Science to set up a reduced payment plan. They are only able to offer me a reduced payment plan of {$360.00}. I advised that I am unable to pay that amount. I am only able to afford to pay {$200.00} per a month. They told me that there is nothing that they can offer me right now. But, to check back with them at a later date to see if they have any new programs. I told them that I was trying to set up the {$200.00} payment plan before I received a late payment on my credit report or before the loan went into default. They then told me that once my payment becomes more delinquent they will have other programs that they possibly can offer me for a reduced payment plan. But, why ca n't they just set it up now - why do I have to wait until I have a late payment on my credit report or my account is in severe delinquent status before they will adjust my payment amount. They 've done it before, but only after they dinged me on my credit report for XXXX days late - why do I have to have my credit destroyed before they 're willing to reduce my payment when they could set it up now and I could avoid dings on my credit. That seems wrong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX. 
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify Transunion but they stated that I would have to contact the companies directly. The information is not accurate.

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 04/29/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection agency placed an account on my credit report that is not mine, they never sent me any information stating that they are placing this on my credit report. I sent them a letter asking them to validate the obligation and they ignored it. They are in violation of section 809B of the Fair Debt Collection Practices Act and section 392.101 of the Texas Finance Code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit card () with SYNCHRONY FINANCIAL (ID).
Issue: APR or interest rate

Complaint: My JCPenney card has a deferred interest balance for window coverings I purchased a few months ago and requires {$25.00} minimum monthly payments. In the previous billing cycle I charged {$9.00} on my JCPenney card and by the due date I paid {$34.00} ( {$9.00} in charges plus $ XXXX monthly payment ) by the due date. My current bill shows a {$2.00} interest charge! It took a XXXX minute phone call to JCPenney to possibly correct this. XXXX representatives, XXXX & XXXX, said I was the problem, that I had not paid enough! Finally, I discerned that all payments go towards the deferred interest charge ( except for XXXX pennies in my case ) and almost nothing was credited to the current charges. This appears to be a scam, a way to charge interest on current charges even when they are paid in full. I was told by XXXX that the only way to be able to pay current charges and not be charged interest is to call every month when I make my payment. Now, considering that it took XXXX minutes to digest all of this, I believe many are being overcharged interest by this devious scheme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2017 about Debt collection (Medical) with Radius Global Solutions LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and neither have they provided me with services or goods

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. CBNA # XXXX If account can't be VALIDATED it must be removed

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the 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 non-monetary relief
Consumer complaint received 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I checked my credit score at XXXX and it seems I have a XXXX $ charge in 2015 to XXXX XXXX. Ive never used that service or company. Now my score is XXXX. Also there seems to be XXXX addresses listed in my report that I have never resided at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account on my Experian report that does not belong to me. I have tried to contact the collection agency XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with XXXX and the response I got was this account was 'VERIFIED '. Experian did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that Experian used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. XXXX XXXX, XXXX, XXXX, and XXXX are all accounts that do not belong to me. I have disputed these accounts numerous times with XXXX as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these XXXX accounts have not been properly verified through Experian. I requested signed paperwork with my signature on it for validation that this account belongs to me and XXXX nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Student loan (Non-federal student loan) with Allied Interstate LLC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I submitted a complaint yesterday and I am unsure if it processed or submitted correctly. The service representative is now calling my family members on the cell phones to verify my personal information. This form of collection can not be legal.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquires that I do not recognize on my credit reports. The inquiry was not authorized by me nor do I have any knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with AAS Debt Recovery Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a collection on my XXXX report from the company AAS DEBT RECOVERY INC XXXX They claim is is from a bank, I have called this company and they have no debt validation and they still will not remove the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not sure where this account originated from. I have sent numerous letters asking that this account be validated or some sort of documentation bearing my signature be provided to me as it is my right. All of my efforts have been ignored. I would like to be provided with proof this account really exists and belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: Chase does not allow customers to set up repeating payments in a specified dollar amount from a Chase checking or savings account to a Chase credit card account. The only option is the minimum payment due or the full balance due. This seems to be designed to prevent customers from paying down their credit card balance at their affordable pace without having to manually enter each scheduled payment thereby maintaining higher balances longer and making more interest income for Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company keeps harassing me about a debt they claim I owe. I have provided them with an affidavit. There was a fraud alert on my credit report and somehow they keep saying that I need to prove to them that the debt is n't mine. I HAVE A FRAUD ALERT WHICH SHOULD HAVE FLAGGED THE ORIGINAL COMPANY SINCE IT WAS ON THERE WHEN WE MOVED BACK TO AMERICA, WHILE ON  XXXX   XXXX . Also I would n't have applied for a loan because service members and their families have special rules!

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent the credit reporting agencies EQUIFAX and XXXX as well the COLLECTION AGENCY XXXX XXXX XXXX XXXX, and the alleged creditor XXXX XXXX XXXX  certified documents in refrence to an alleged debt, stating per federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standardsof practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim. per law any defiient of substantial and evident matters of facts would be unethically reported and  even illegally reported. My state and federal laws alike agree that neither willful nor ignorant disregard is acceptable so I demand here today RIGHT NOW, that the allegatuions in challenge be eradicated in full or else wise demostrated in its entirely to be compliant in every aspects of its reporting. to retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The curentlyunfounded and even not certified true or correct misinformation of such is misreporting is as follows and must be deleted immediately so please do so with delay.Alleged Reporting data Provider, Collection Agency: XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXXNot Proven Compliant Account: XXXX** THE ORIGINAL CREDITOR XXXX XXXX HAS NOT  RESPONDED TO MY REQUEST,AND XXXX XXXX XXXX FAILED TO MEET MY REQUEST. (PLEASE SEE ATTACHMENTS) ..

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received many calls for several months now for a debt that does not belong to me. I have informed this company on ALL occasions, that I do n't know that person and that I have had my cell phone number for over 10 years. Since XXXX XXXX 2016 I have received 7 calls alone. 3 of those calls were hang ups, 3 were answered with me telling them again to stop calling because I do not know the person they are trying to reach. And I received another call again today. I filed a complaint on their website and now I 'm reaching out to you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (MT).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold again. The previous lender, Franklin American sent me a annual escrow disclosure statement before transferring to my new lender. I noticed they are missing a deposit to my escrow account in XXXX 2015. I contacted Franklin and they confirmed they received my mortgage payment in XXXX, but did n't know why my escrow account did n't reflect that. I faxed the statement to them last month and they have n't responded. I followed up with my original lender and she thought it looked like a payment was missing also. She sent an inquiry to her Franklin contact and I have not received a reply from anyone at Franklin. I need help recouping my missing escrow payment as they are nonresponsive. Can you help me or direct me to the department that can help me? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with Helvey & Associates (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I opened a utility account with XXXX XXXX XXXX. When I received a bill from them the bill included a much larger bill than could be possible. When I called XXXX to discuss the issue they finally agreed to investigate after a great deal of prodding. 

Upon completion of their investigation, they determined that the previous account holder had done some illegal things to steal power and they had aggregated all of the previous account holders usages and placed them on my account. 

After getting a manager involved they admitted to their actions and they reduced the bill. But what it appears that they did to be spiteful, they send the balance to be paid to a collection agency ( XXXX XXXX. ) The problem is that now that I have paid it on my credit report as if I was a delinquent customer rather than a customer that was improperly billed. 

I am a XXXX and I have many XXXX. Tenants are responsible for their own utilities. When a tenant moves out I have to place the utilities in my name for a limited amount of time. XXXX XXXX XXXX has systematically tried to make me pay for all unpaid bills that the previous tenant has not paid. 

XXXX XXXX XXXX has a policy of attempting to confuse bills by aggregating multiple bills together in an attempt to confuse the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted XXXX About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed

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