milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: We purchased international travel tickets for travel on XX/XX/XXXX ( XXXX flight ) on XXXX XXXX. The flight was purchased on Citicard ending in XXXX. We live in XXXX NJ area and our flight was from XXXX. While traveling to XXXX, we encountered an accident on XXXX XXXX that unfortunately took 3.5 hours travel time from home to XXXX  instead of the usual 2 hours. We reached 1 hour before departure time by which time check-in was closed by XXXX causing us to miss the flight. We asked XXXX to accommodate us on next flight at XXXX that same day. XXXX stated that we should call customer service using XXXX, which we did. They stated will do so with a change fee of {$700.00} ( vs. a base fare of approx {$2100.00} ), which is a substantial change fee for same day flight accommodation. We paid the fee using XXXX on their website ( receipt sent to Citicards ).  Yet, no ticket was issued until XXXX that day. We called XXXX about 10 times ( 10-40 minutes call each ) but ticket was never issued. We came back home and tried to pursue  the matter next day but to no avail. We then had no choice but to buy new tickets for same travel itinerary on XX/XX/XXXX. We disputed the transaction with Citicards but they stated that XXXX considered this as a loss of revenue for them justified not issuing the ticket. We sent documents to Citicards showing that our class of fare allowed for a change and that we had paid {$700.00} change fee. AT that point Citicards stated that time or a resolution had passed. We had filed a dispute within a few days of travel date. We have called Citicards at least a dozen times since XX/XX/XXXX when they sent us last communication. They keep saying they will look into it in next 4-5 days but never do. The airline has violated the terms of its contract clearly : first the original contract allowing us to travel with change fee, then contract governing the change fee when that change fee was paid. Both value of original ticket and change fee was made 0 by airline in violation of its own contracts. Since this case is a glaring example of lack of consumer protection and customer advocacy as well as a clear malpractice by not just the airline, but more importantly the credit card which is expected to protected the consumer in such cases as advertised the credit card company, we want to escalate the matter through BBB. Case details in Citicard system are as follows : Card # XXXX ; Case ID Numbers : XXXX and 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 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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 disputed information with Experian to remove UNKNOWN accounts on my credit report. 
I wrote a letter letting their company saying I did not open these accounts. Please remove unless you have my signature or proof. They show me nothing and gave me a general letter saying the accounts were verified. I sent another letter asking the to show me more and give me details. Experian said nothing and again sent no proof. I don ; t even know if there was a real investigation. I thought they had to go above and beyond to get to the bottom of situation. I sent a third letter requesting the method the used to verify. I told them by law " you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) '' I did not see anything from Experian.

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 10/31/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Settlement process and costs

Complaint: In XXXX I got a mortgage for a small XXXX bedroom mobile home through XXXX XXXX Mortgage. The contract was a forgery, signed and altered by the seller in order to change the interest and payment I signed for. XXXX ignored all my complaints so I continued to pay the payments until I was sent to prison in XX/XX/XXXX. XXXX forgave the debt and filed it with the Credit Bureau as such. Now this Ditech Financial LLC is illegally harassing me for a debt that was not only forgiven but the statute of limitation bars any collection. There has never been a judgement against me for this 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 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: settlement o from XXXX XXXX reported on XXXX2016 inquiry

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 09/21/2016 about Debt collection (Credit card) with Continental Finance Company, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have power or attorney for my ill father. I contacted XXXX/CONTFIN by phone at ( XXXX ) XXXX to inform XXXX/CONTFIN that the alleged account # XXXX opened up on XXXX/XXXX/XXXX for {$500.00} could not be owed by my father ( XXXX XXXX ) as they have reported on his credit report because on XXXX, XXXX XXXX was in the XXXX and XXXX with a condition that left him XXXX. Therefore, this account had been fraudulently opened and fraudulently reported by XXXX/CONTFIN to the XXXX, XXXX, and or other credit agencies. 
On XXXX/XXXX/XXXX, I called XXXX/CONFIN and spoke with to XXXX, who informed me he could not give any information unless a Power of Attorney was mailed to XXXX, DE XXXX. I told him I mailed it around XXXX/XXXX/XXXX. XXXX then said give it 10 days. I said ok. I called again on XXXX/XXXX/XXXX and spoke with a female associate who 's name stared with a XXXX. 
At this point I was informed she does not know whether they received a power of attorney form and the debt had been sold to XXXX XXXX XXXX. I said so now I have to mail the power of attorney to them. She placed me on hold and came back and said she does not know whether they received the power or attorney but she could not tell me anything. I ended the call. 
My problem is that I sent them a Power of Attorney that is not being acknowledged. My original letter to them was sent with the power of attorney requesting they prove the debt is owed by mailing to me the signed application by my father, any statements sent to my fathers home address. I have had power of attorney since XXXX for my father and has never received any statements at his home address of almost 40 years from this company. 
This is the information I needed to have them correct his credit report they damaged by placing false information to the credit agencies. 
I want XXXX/CONFIN as a resolution to submit to me proof that the debt is owed, showing the original application signed by XXXX XXXX my father and any statements sent to his home address. When XXXX/CONFIN finds my father did not sign these documents or open this account to remove all negative credit information from all credit agencies including XXXX, XXXX, and other agencies

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 06-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
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  XXXX   XXXX ,  2017  I submitted letters to   XXXX   requesting that personal information that is NOT mine be removed from my credit report as well as inquires. I provided the police report, a copy of my social security card and drivers license as instructed.       XXXX   addressed just a few items of what I requested and stopped investigation on the other items.     This has made it very hard for lenders to help me to obtain a home using my VA home loan.

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 01-05-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have repeatedly attempted to make reasonable monthly payments and have been offered upwards to $ 700/month which I can not afford in addition to over the over {$1000.00} I already pay monthly in student loans. The other day set up a payment to attempt to catch up with the understanding that I would need to obtain and submit additional information regarding my finances. I shared that my co-signer has XXXX XXXX and my father was a XXXX XXXX. My father, who is not a co-signer on the loan, set up a payment I am unable to afford. This is in addition to the payment I had set up for this month. Navient knowingly set this payment up with an individual who I had shared has an XXXX XXXX XXXX and that is XXXX most, if not at all, times. I hope that they did not pursue my father for payments knowing his XXXX  condition.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid this bill in full $ XXXX.I have not paid this bill because. This money from a credit card upon in XXXX to XXXX in XXXX, was paid by the insurance that I had within my card in case of unemployment or loss of income. Insurance payment in full the entire amount of money. This card is secured with XXXX insurances, XXXX and XXXX. The XXXX sold it without telling me to " XXXX '' and they sold it to without information. In XXXX " Asset Acceptance , LLC ''. The XXXX did not act in good faith.XXXX Account # XXXX.was paid by the insurance that I had within my card in case of unemployment or loss of income. The Insurance payment in full the entire amount of money. The XXXX sold it without telling me to " XXXX '' and they sold it to another company without information I have is happening. In XXXX " Asset Acceptance , LLC '' buy this debt without having a legal document, there is no legal or original contract between them and me. and they an tried every possible illegal methods phone calls at all hours and on weekends, they took the case to court without telling me, sending letters to an address where I do not live ( to the court XXXX ), now they still call my employer and have filled documents cut without my presence or my knowledge, they are forcing my employer to collect my salary money they ask to pay that debt. Now my employer is giving me a finalized to leave my work because of this problem. Please take many years with this harassment, for a debt that I do not owe, and this account was paid, I lost my marriage for this reason and my work too, my daughters and I are suffering for this reason, please end this problem. Now they have XXXX companies trying to collect this money. " XXXX '', " Asset Acceptance , LLC '' and Midland Credit Management. Inc .I needs help, I do not know what to do, and I 'm desperate, please First. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay " Original Documents and my signature ''. Federal Trade Commission ( FTC ), Fair Debt Collection, Practices Act ( FDCPA ), 807, 15 U.S.C. 1692-1692p-1962e. 
Second. Never served with a Notice of Entry of the Judgment " Notice to Appear '' : I was never served the court notice. Fla. Stat. 48.031 ( 1 ) ( a ). I have never been given the opportunity to be in court when decisions have been taken in this case, I have not had a single hearing in order to know what the whole matter is. Under the constitution and the laws, I have the right to be present in the court and to know all for this problem. REQUEST FOR HEARING.- ( court XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (Medical) with Cedars Business Services, LLC (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Around 2005 I received a call from Cedar Financial XXXX I 'm not sure if they were called that in 2005 XXXX, who identified themselves as a debt collector who somehow thinks I owe them money. I believe at the time they said it was for an unpaid hospital bill. They have not provided any documentation nor explained how they think I am the person who owes them. 

Years ago this company tried to put the debt on my credit report, but I requested the XXXX bureaus to inquiry into the debt and all three removed it. 

They have continued to periodically call, for a decade, even though I have asked them to stop calling. 

This morning they called my elderly parents, did not identify the company they worked for, behaved inappropriately, and asked them invasive questions. I know it was them because they left a message on my voicemail around the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Trouble during payment process

Complaint: I have been receiving threatening letters from Citimortgage regarding my condo in Florida for about a month. The letters request information regarding my hurricane and flood insurance on the property. I submit the information to the website and fax the declaration pages of both policies as requested. Subsequently, another letter will arrive each XXXX threatening to add fees and insurance bills onto my existing mortgage. Again, I update the website with no success. In addition, the bank calls my personal insurance agent numerous times asking for personal insurance information. I called customer service XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. During the initial call I was informed the bank needed master policy information from my homeowner 's association NOT personal insurance policy information. When I asked why the numerous threatening letters did not specify this I was given the runaround. I provided the contact information of the individual who could provide all insurance information regarding the condominium association. Citimortgage continued to call my personal insurance agent for information. Now I am told if the insurance info is not received within a certain window of time XXXX which they wasted with nonsense letters ) I will be charged fees and insurance costs to my mortgage. I stated I refused to pay any fees or insurance when I am adequately insured and was promptly hung up on by Citimortgage customer service. I would like to file a complaint regarding discrimination and unfair business practices. If the bank is going to treat customers in Florida who reside in a flood zone in this manner they should be penalized for such business practices. Ultimately, I REFUSE to pay insurance on my mortgage for insurance I already have but Citibank is too confused to properly ask for.

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 04/21/2017 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (ID).
Issue: Managing the loan or lease

Complaint: A loan was opened to purchase an  XXXX  on installments thru  XXXX .  XXXX  finances the phones via  Citizens One.     Order  #  XXXX  was placed on  XX/XX/XXXX  with  XXXX .   Due to issues activating the phone on  XXXX   XXXX  I cancelled the order and  XXXX  issued a full refund on  XX/XX/XXXX  . Citizens One op ened an installment loan for the purchase amount.  Loan #    XXXX  and began billing my credit card for monthly installments. I was bill ed 3  consecutive months for a phone that was already fully refunded back in   XXXX  . I was able to have payments stopped the end of   XXXX   and hav e Citizens One iss ue a refund for payments made. At this time I was ensured that the account was closed. On   XXXX   XXXX   I received a final notice from  Citizens One tha t the above mentioned loan is delinquent and will be closed for non payment. And my file would be reported to the credit bureaus and collection was to be made. I called  Citizens One  on  XX/XX/XXXX . Spoke with rep who told me I would receive confirmation within  48 hours.  Nothing happened. On   XXXX   I called and spoke with  Floor Supervisor   XXXX  who insured me she personally will resolve the issue with their escalations department withi n 24 hours.  She gave me a claim #  XXXX  as reference. After 5 days again nothing happened. I called again on   XXXX   and spoke with  XXXX  who again said escalation is working on it and I would hear back i n 3-5 busine ss days. Again the  Time has  elapsed and nothing. I would like this resolved as I do not owe  Citizens One any   money and do not wish my credit to be negatively affected by this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On Sunday XXXX XXXX I called Citibank Master Card department to inform them my credit card was compromised and reported 9 fraudulent charges. Please keep in mind the 9 charges took place in XXXX DC ( my permanent residence ) concurrently while I was on travel to XXXX XXXX. Their fraud department should have picked this up and frozen the account immediately. Citibank should have also notified me regarding the suspicious activity. However, I was the one that notified the Citibank credit card. The account representative took down every fraudulent item and assured me that I was not responsible for those charges and would be receiving a new card by Tuesday XXXX XXXX, XXXX. 

On Wednesday XXXX XXXX, XXXX I check my account on line and I have a new credit card with all the fraudulent charges still active which I reported on Sunday. I called Citibank again and was told that the Citibank representative on Sunday did not flag the 9 fraudulent charges. I was told to repeat them again and spent another hour on the phone reporting fraudulent charges for a second time.

I am writing today regarding a formal complaint that this institution ( Citibank ) be investigated for not responding in a timely to fraudulent charges to not being proactive with their fraud department and for not protecting my financial interests. I have lost all trust in Citibank to perform their duty to protect me and my credit card account. To date I have neither received an e-mail or written confirmation that they are correcting my account regarding the fraudulent charges I 've reported twice to Citibank.

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 11/16/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Date-XX/X/2017 Amount- {$150.00} Company- Convergent XXXX XXXX XXXX XXXX / XXXX XXXX XXXX, WA XXXX XXXX Ceditor-XXXX Client #  XXXX Convergent Account # XXXX Amount Owed {$150.00} Sent this notice that the records of XXXX XXXX show a balance of {$150.00}. XXXX due in full. 
This is an attempt to collect a debt. 

I have contacted XXXX and they did not show me owing any money to them. 

This is a fraudulent claim, I do not owe XXXX any money and they have no record of this 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 01-09-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Account opening, closing, or management

Complaint: I paid off the entire balance owed to Bank Of America for an account that was closed in 2013. They agreed to remove the fraud notice off of XXXX once I paid it. I waited a month and it still was not off of my record. I disputed it with XXXX and they would not remove it after an additional month saying that Bank Of America said they did n't agree to remove the alert, even though I paid the balance. This is not true, and I would like it removed from my XXXX record.

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 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXXbecause of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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