milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Closing/Cancelling account

Complaint: Since I was not using enough the credit card, they have closed the account. 
No notification or warning was given to me to avoid having a negative impact on my credit score and penalizing my credibility

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX around the XXXX I received a bill for a Macy 's American express card, that I do n't physically have. My husband and I do not carry any American express cards as we do not care for them. I called Macy 's and talked to customer service and told this the the customer service person and that I did not make those charges. I also asked them to cancel my account, that I did not want an account at Macy 's. The customer service person gave me a case # and told me the information was filed and account canceled and fraud recorded. Then I received another bill on XXXX XXXX saying I now owe {$77.00}. I again called and they said the account was canceled and I needed to fill out a fraud form that the records of my call on XXXX only canceled my account. XXXX XXXX a letter was sent to me to fill out a fraud form, which I did. Then I received a late notice dated XXXX XXXX on my account but now there was a new account number, and I received another bill, this time the bill had the new account number. I called Macy 's back again on XXXX XXXX, 16 at XXXX and was told it was still being disputed but they did cancel the card and issue me a new account, which they were now closing. XXXX who I spoke with said the case number I was given was not a real case number and maybe a new employee gave me wrong information. Again I restated the issue and he said I needed to call the trade commission and gave me the phone number. I called this number and it was not in service. I called back the fraud department of Macy ; s and was told that was the only number they had, that maybe I should XXXX research it. Then I received another letter dated XXXX XXXX, 2016 from Macy 's fraud department to file another form. Which I did! Today XXXX XXXX, 2016 I just received another bill with additional fee 's charged for being late, and now my bill is up to {$150.00} from the original {$49.00}. This is when I finally found a new number to call for the Federal Trade Commission and called because I do not know what else to do, and I am worried about my credit report when I keep getting over dues 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 03-10-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Transworld System Inc XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX sent false debt collection letter for a {$680.00} debt to XXXX XXXX XXXX XXXX. I have never heard of, less been to XXXX XXXX XXXX XXXX. They carefully omitted the details of who it was and the details of who actually owes the debt and imply it 's mine. This is deliberate corporate malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this not my report # XXXX remove from credit report all XXXX thank you

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 05-07-2015 about Debt collection (Payday loan) with MNE Services, Inc (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: multiple harrasing phone calls all day to my place of employment. they threaten my co-workers, telling them that " we are going to suffer the consequences ''. they will not stop calling, even after my manager has told them to stop. i have tried calling them, and they say that they will not stop calling my place of employment until i paid about {$1500.00} via prepaid visa. i 'm scared that they will somehow find my relatives phone numbers, specially my XXXX year old mother 's number and start harrasing them. PLEASE, IS THERE ANYWAY TO STOP THESE PEOPLE. THIS IS NOT RIGHT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Credit card () with TD BANK US HOLDING COMPANY (HI).
Issue: Delinquent account

Complaint: I set up auto pmt on my account by filling in a form with my name and address and attaching a voided check from my bank. The scheduled auto pmt did not go through -- I was charged interest because my payment was denied by ACH -- NOT by my bank. My bank researched the problem and said that ACH denied the payment. I called the cc company and they said it was my fautl -- I must have filled in the form wrong. I submitted a second form and to prevent the same thing happening I paid my account through the online payment feature. I had used it once before with no problems. The website said the payment was accepted. I got a confirmation email also. XXXX weeks later my credit card was declined. I called the cc company and they said they did n't get the payment and I needed to pay the minimum amount. I told them to check on their side. Why would n't the online payment go through this time when I had used it successfully before? The customer service rep said she could n't do anything and that her supervisor would be researching the problem. Also, she could n't explain why they did n't contact me via email or telephone when the payment did n't go through and they put my card on hold. Its been one week and I have not heard anything back from them. I continued to try to make payments using the online method and finally I was able to get XXXX to go through. I am closing this account, but I told them I wanted all interest and late fees back since it was their problem my payments were n't getting through. Also, I wanted my credit report to show I was not late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the court which has been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: When reinserting information on a consumers credit report the credit reporting agency must notify the consumer within 5 days. No such notification was ever given to me in regards to the matter concerning XXXX XXXX/ XXXX XXXX . Account information was deleted on XX/XX/XXXX from my Transunion Credit Report and was reinserted on XX/XX/XXXX. 
In accordance with FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required by law to notify me of reinsertion in writing within 5 days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no letter of reinsertion and therefor FCRA Laws have been violated.

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 01-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Credit line increase/decrease

Complaint: I have used the card and paid it off multiple times and the company refuses to give me a respectable increase in limit. I was told that when i opened the account i could easily double my limit within 6 months which has not happened

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In  XXXX  we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at  XXXX  that initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought m y credit score  down.      The inquiries from  XXXX , which I did not initiate, were on these dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my  XXXX  History is fixed and does n't continue to drop?     Thank you.

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 11-03-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I transferred a balance to this XXXX card in XXXX of 2016. Once it was there I transferred it to another institution, this allowed me to get a fixed rate of 5.99 % for the life of the balance. As soon as the balance hit the XXXX account, I transferred it to the final card account. That transfer cleared XXXX on XXXX XXXX, 2016. At that point there was a bit of interest accrued for sitting there, so I submitted a payment of the remaining balance, which cleared XXXX on the XXXX of XXXX, bringing my balance to {$0.00}. There was no way in the XXXX online system to get a payoff balance for the card, so the only amount I had was the current amount due to bring it to {$0.00}, which I paid. I subsequently closed the account with XXXX and had {$0.00} balances on anything remaining at XXXX. I received electronic statements as well. Apparently XXXX charged me interest in XXXX, since my accounts were at {$0.00} and I had electronic statements, I actually did n't realize I had been charged this incorrectly on my account. I did receive a physical statement in XXXX, after the amount was 30 days past due. I called XXXX at that time and they refused to remove the amount that was due on the account. During my dispute process the account went to 60 days past due. XXXX is reporting this to the credit agencies as well. On XXXX XXXX XXXX finally credited my account of the incorrect charge and brought it to a zero balance. I filed a dispute with XXXX in XXXX to have the credit reporting fixed, which was denied by XXXX. They beleive they are reporting it correctly, which they are not, and XXXX refunding the amount should make this clear that it was through no fault of my own. The total charge was around {$4.00}, which is disputed. I asked XXXX to fix my credit report, they did not. I escalated it, and XXXX still refused to fix my credit report, or unreport the disputed amount with the credit agencies. This is my last resort, as this error by XXXX has cost my FICO score about XXXX points over the last 3 months. Please advise on how I can get XXXX to correct this issue. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi, my purse was stolen from me in 2015, I called all three credit bureau to report my purse was stolen and that i need to add fraud alert on my social security. All three said they will added and if someone tries to run your credit you will be notify by phone. Which Transunion fail to put my phone number on file for the creditor can reach out to me. I have about three creditor that ran my social security 7 times in one months. And transunion refuse to removed them off my credit reports i have been dealing with this for about two weeks and no help. 
from transunion but the other two credit bureau removed them.

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 11-03-2017 about Debt collection (Auto debt) with NORTHLAND GROUP INC (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated abusive harassing phone calls. I called to settle a debt and was to pay, they changed the amount to a higher amount when I went to pay the next day as scheduled. I called back again and they harassed me. I asked to settle again. I had a XXXX the next day and have been in and out of the hospital, and they will not stop calling and harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Incorrect information on your report

Complaint: From XXXX XXXX - XXXX XXXX I had a mortgage with XXXX XXXX XXXX. I was late several months on the monthly payment. I sold the house in XXXX XXXX. XXXX XXXX XXXX submitted and received the payoff amount. I want to stress the house payoff amount was paid to XXXX XXXX XXXX. After selling, I was notified the loan was picked up by NationStar/Mr. Cooper. I did n't pay any attention to the notice because the XXXX XXXX XXXX loan was closed out with the sell of the house. At no time during the settlement process did the title company indicate NationStar/Mr Cooper was involved with my house loan. 

On XXXX XXXX, XXXX, I received a copy of my credit report ( all 3 bureaus ) and noticed XXXX XXXX XXXX and NationStar reporting the same mortgage account as late. 

In XXXX XXXX, I submitted a dispute with NationStar/Mr Copper via XXXX and XXXX. NationStar/Mr Cooper replied with the account is valid and updated the account to 120 late. 

Yes I was late but that was with XXXX XXXX XXXX. Both mortgage companies can not - by law - report the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient bought a former private student loan that I had with XXXX XXXX. Navient is trying to get me to pay way more than I actually own on this debt. My XXXX balance is now XXXX. How is that possible? Navient now wants me to enter into a 16 year contract to pay off this new balance. In addition, Navient used XXXX different collection companies to harass me by calling me at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Student loan (Private student loan) with LoanHero, Inc (AZ).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: I recently joined with a student loan debt relief company named XXXX XXXX XXXX XXXX. this company made many promises about settling with XXXX who I got my college loans. They said they could get the loans dismissed or settle for a really low amount. So I signed with them and in return I would have to pay a retainer of XXXX dollars. I only agreed to join with this company if they could get my mom off of my loan as a cosigner first. The reason why is they wanted me to default on my student loans and pay the retainer fee. This would not only hurt my credit but my moms which I refused to do. They promised that they could get her off and payments to XXXX would not began until that happened. Little to say they lied. Payments began getting deducted from my bank account immediately and 7 months later still no cosigners off and no settlement of course. Now I am trying to get a refund and I am trying to cancel this relationship with the company. The company XXXX is making this process really hard. They have denied my refund and they keep putting through hoops to terminate this relationship. They are hard to reach and they keep giving me the run around. Their suggestion to me what to just continue the relationship since I have already paid XXXX dollars to them. Right now I have a lawyer looking into it because I feel I am being scammed. This really breaks my heart because I owe so much in student loans already this is the last thing I needed. I came to them for relief not more stress. If you could help me I would be appreciative. Also, the company that debits my accounts is n't even XXXX, they had me make payments to another company named Loan Hero. The only way loan hero will discontinue charging me and take the debt I owe off of my credit report is with a phone call from XXXX who is not cooperating. All the documents I signed with the companies were online. Everytinme I click to review the documents they have disappeared. Ive requested the contracts and XXXX says they sent them XXXX XXXX  but every time I call for the past two weeks they are like they are on their way and have no way of tracking them.

Company response to consumer: Untimely response
Consumer complaint received 03/22/2015 about Consumer Loan (Installment loan) with COAST PROFESSIONAL INC (NJ).
Issue: Managing the loan or lease

Complaint: A company named Coast Professional Inc utilizing an address of XXXX XXXX, XXXX XXXX, LA XXXX is attempting to collect a purported debt that if valid, would have been at least XXXX years old. Under California law, where this purported debt would have arisen, the Statute of Limitations ( SOL ) is XXXX YEARS. This appears to be a shake down by a shady firm who probably bought this debt for XXXX cents on the dollar and is hoping that people will acknowledge the debt and restart the SOL. This is harassment. I have responded them in writing, as requested by the shady company, that I do not acknowledge the debt and that I am reporting them to the CFPB. Moreover, in there letter, it states that if you do not dispute the validity of the debt in writing - they will construe silence as a reaffirmation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: son has same name never lived at XXXX XXXX or worked at XXXX also have medcail coverage throuh the state of ct

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 06/14/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: i 've asked how many days in the billing cycle ending  XXXX   XXXX  ( this would be  XXXX   )  you said they vary..i know this tell me exactly how many days in the billing cycle  XXXX    XXXX    XXXX    XXXX   how much applied to interest ... how much applied to principal

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, Wells Fargo withdrew a total of {$1000.00} ( 2 transactions ) from my account as an intial deposit for a checking and savings account. 

The money was withdrawn from my account, but no one at Wells Fargo knows where the money went. I spoke with several reps and filed claim number XXXX. I was told that I will receive the funds back into my account in 24 to 48 hours. I am getting the run around. 
On XX/XX/XXXX, I asked to speak with a manager and was connected to XXXX Employee ID  XXXX. She stated that she was a manager and would not give her last name.

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 06/29/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They leave no messages. Tried calling number back. " number disconnected '' but get call right back on number. ID says " Synchrony XXXX '' Have received over 50 calls from number for the past 30 days. Listed numberson " Donotcall.gov '' Still calls.

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 02/14/2018 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX is attempting to collect a debt that is fraudulent and was as a result of identity theft. I have made XXXX XXXX XXXX aware that this account was opened in my name without my permission, and I have made XXXX XXXX XXXX aware of this same information but they continue to contact me and demand that I repay a debt that was the result of identity theft. I will not pay this debt and I do not owe this debt, and I am very tired of being contacted by both XXXX XXXX XXXX and XXXX XXXX XXXX about a debt that does not belong to me and this is a violation of the FDCPA because I have made both companies aware that this was as a result of identity theft.

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