milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Debt collection (Private student loan debt) with National Recovery Solutions, LLC (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: National Recovery Solutions has tried to contact me at work several times even though I have asked them not to call my work or it would get me in trouble. each time i told them this they told me no one has ever talked to me which is a lie. 


I spoke with them on XX/XX/XXXX and XX/XX/XXXX on my work line and asked that they not call me at work. Then they asked me to let them speak to human resources as soon as i told them to stop calling me a work as a scare tactic. When I told them that i was going to file a complaint he said I Don't know what for. I repeated because I ask that you stop calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving these types of letters since last of XX/XX/XXXX. I have spoken to a XXXX of representatives on your end in regards to this. The XXXX of times that I have called all representatives were unable to provide detail information as to why there is a " charge-off balance '' from XXXX? I am and have been a current provider with XXXX and can not be provided with an explanation as to why? I do not want this inaccurate information to be effecting my credit for something that is not irrelevant and or current when XXXX is my provider and have never had a problem with my bill and it being paid on time every month. 

My thoughts, concerns and question is WHY after 4 years ( charge off last payment XX/XX/XXXX which is nto true I can show I pay my monthly bill ) was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me XXXX who is and has been my provider sent this off? 

If MCM and nobody in the business end can provide me with any of the following information to explain to me who, what, when, and why this has happened, I wish MCM make no more contact or communication with me and wish to please be forgiven of the mysterious " charge-off '' I owe in the amount of {$190.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this debt going on for 4 years is now unacceptable with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: A request for an investigation was sent XXXX/XXXX/16 to TransUnion and it has exceeded 30 days. I have not received any status update nor investigation results which is a violation against the Fair Credit Reporting Act.

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 06-09-2016 about Bank account or service (Checking account) with U.S. BANCORP (MN).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX ( before XXXX ), I went to a US Bank Branch to deposit my severance check and was told it may take a bit longer to have the funds available to me because of the size of the check. I pretty much ignored that because I know that the size of the check does n't matter. Once the funds are cleared from the issuing bank I should receive my funds. Unbeknown to me, the Manager on duty had placed a hold on my account where I would n't receive my funds when they cleared but almost 12 days later. All he asked me was if this was a Loan check since it was from a Mortgage company. I said no, that it was my severance check and I had n't been paid for two months and needed the money. He did note that the account was an employee account ( XXXX ). He did n't look at our account history of XXXX years of impeccable performance or do any research that would show large transactions from time to time were normal. 
Three days after the deposit, I spoke with a former coworker who received his check at the same time and his funds were available to him. I continued to check my account to determine if the funds were available and they were n't. We were forced to take an advance on our reserve line so the checks we had written and would n't clear before XXXX XXXX ( plenty of time to allow the check to clear ). 
Finally I called the Customer Service department to learn that US Bank did indeed have the funds from my former employer but would n't give them to me because the Bank employee placed a hold on the funds. He did NOT provide any type of rationale for doing this nor could any other person determine why he would do that given our credit and history with the Bank? Basically, this allowed US Bank to steal from me since the money was in their possession, they were earning interest on it not me. My belief was he thought it would be 'fun ' for him to watch us suffer further pain and embarrassment since I 'd lost my job and needed the money to cover bills. 
This is totally unacceptable discretion for a person to have this authority and not have to justify why they would place a hold on someone else 's money!!

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 10/17/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: The law firms are representing Bank of America in a foreclosure and filed a Notice of Hearing on Foreclosure of Deed of Trust on XXXX XXXX, XXXX, and the law firms used Fraudulent documents that were sent to them by Bank of America. The law firms have been notified of the fraudulent documents but have done nothing to stop this fraudulent foreclosure. The new Foreclosure XXXX date is XXXX XXXX, XXXX, but the foreclosure sale has not been canceled and dismissed due to the filing of the Foreclosure with fraudulent documents. The Note filed is fraudulent in several ways but the main reason it is a fraud is that it is not the Note that I signed at the Closing which was XXXX XXXX, XXXX. The Note is already fraudulent because the lender listed on the note is XXXX XXXX XXXX Lender and they are a fictitious lender that was used by Countrywide XXXX Loans to originate mortgage loans in XXXX and the above-noted lender was not licensed in the State of North Carolina or any state in the United States because it was a fictitious lender and not Legal to originate or fund mortgage loans in the first place.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: i have multiple loans all combined down into two payments. Navient has misapplied funds, stated that they could n't find the bank account for autopsy, locked me out the internet site. With combined loans it 's hard for me to miss 9 payments on one loan and 2 payments on another loan. They are all paid at the same time I thought.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Checking or savings account (Other banking product or service) with CITIBANK, N.A. (CA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I opened an account at Citi, i think its a brokerage account but i opened it at the branch. this account was opened in XX/XX/XXXX or around about that time. I have been trying to close the account since XX/XX/XXXX. I have gone back to the branch they have said they cant help me. I have gone to another branch they have said they cant help me. i think its their wealth management people that need to do this. but they will not tell me who to contact or where to go to get it. 
I have tried calling the number on the statement, i have tried calling the secondary broker they used that sent me a letter saying the account is considered abandoned. all the numbers they give me have gone back to the same auto attendant that has no human option and no option to help me. 
I called their other back up broker XXXX  multiple times and they finally gave me a number for Citi that went to a voicemail for which i have left at least 5 messages for.

I know this sounds rediculous and i sound crazy, but i have written FINRA as well, and no one seems to respond to me. 
My account number is XXXX and the value of the account is about {$5000.00} or {$5500.00}. I am not sure where to turn to, as no one will help me. I think spending ten years to try to get my money or stocks back from a bank like Citi is  excessive and the amount is not even that much. I have statements and letters but i dont have anything recent as they have stopped sending statements and i have changed my address.

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 04/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This that capital one credit card is not mine that was actually someone stealing my identity also the XXXX XXXX associates for XXXX XXXX whatever in XXXX that 's not mine either and there is also something right after that for some XXXX or something also in XXXX Louisiana that 's not mine either so those need to be removed we were hoping some kids get off the street and get back into the workforce and I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Our XXXX account and an email account were breached and charges were made to a credit card. I contacted Equifax per the credit card company to lock credit services. Equifax sold me XXXX XXXX protection service, then upgraded it to another, and then downgraded when the XXXX did not work, and then added an additional XXXX for my wife, as they could not network with XXXX to link the XXXX agencies together. I was supposed to have XXXX service covering " the family '', tying to all XXXX credit reporting services to both my wife and my social security numbers, but they ended up charging me for XXXX, with no complete coverage. 
Equifax instructed me to call XXXX to fix the error. Once I finally found a phone number that connected to live human, XXXX said there was no issue and I should get back on the phone with Equifax and they can directly call XXXX and work out any issues. Equifax said they could not solve the problem, it was up to XXXX and I should wait two weeks for all my credit reports to arrive by mail so I could compare them. At this point, after about 4 hours on the phone with these XXXX agencies, I asked Equifax for the accounts to be cancelled and a refund since I had not ever used the service nor logged onto the accounts. Equifax cancelled the accounts, but refused to give credit even though their product did not do what they sold it to me to do, plus they sold it to me only three hours or less prior to cancellation. 
I did not use their product ever as it was not what they said it was and they could not get it to work as they said it would. Since the the product did not do as it was sold to me, I expect them to stand behind it and provide a refund - no way. They say once XXXX and I figure out what is wrong, it will work. 
Equifax uses high pressure sales to sell you a product that if it does not work, too bad, you still pay at least XXXX month 's monitoring. I agreed to the extra products as the Equifax person suggested I could have everyone on the family plan by the end of the day - not even close. It would take at least XXXX weeks minimum just to find the issue by me, and then who knows how long to get it resolved since the credit reporting agencies leave it up to me to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: Citibank has committed fraud against me. 

Having admitted as much, they have refused to remedy the situation. 

Citibank has been deceptive in it 's dealings with me, consistently extremely poor business practices. 

I opened an account with Citibank, through one of their promotions, which promised to pay me {$400.00} bonus, once I completed all requirements. 

I completed all requirements on time, but Citibank has thus far refused to paid me my {$400.00} bonus. 

As phone records, and case notes with both clearly show, many times I have been assured that my {$400.00} bonus would be deposited into my account, yet it consistently has not been deposited. Many times I have been assured I would receive a call back from Citibank management, who would resolve this for me - however, NOT ONE phone call has come, nor has Citibank EVER followed up on ANY of it 's claims to remedy the situation. 

I believe I am the victim of fraud, at the hands of Citibank. 

The pattern of behavior by Citibank customer service, as well as the erroneous charges posted to my account demonstrates, I believe, a willingness to commit what amounts to fraud. 

Two charges were posted to my account fraudulently, by Citibank themselves, but each were removed with separate lengthy calls to customer service, wherein they admitted their " mistake '' each time in posting fraudulent charges to my account, and were thus obligated to reimburse my account their fraudulent charges. 

However, the requirement for me to receive my {$400.00} bonus was that I maintain a continuous {$15000.00} balance for a set period of time. Citibank used it 's fraudulent debits to my account to disrupt my continued balance during that required time, in what I believe was an attempt to avoid paying me the bonus for which I earned. 

Citibank has admitted I should have received my bonus by now - I have not. 
Citibank has assured me that I would receive the bonus by now - I have not. 
Citibank has assured me, on several different occasions, that I would receive a call from Citibank management - I have not received any calls. 

I insist that the {$400.00} bonus be immediately deposited into my Citibank account. 

If the {$400.00} bonus is not immediately deposited into my account, Citibank will furnish copies of all records and communications between myself an Citibank, including audio copies of all phone calls, to be made available to me to take further legal action. 

A thorough and comprehensive reading of my account history, by any independent third party or mediator - will clearly demonstrate a pattern of deception on the part of Citibank, I believe, in the attempt to avoid paying me the {$400.00} bonus I am entitled to.

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 12-07-2016 about Money transfers (Domestic (US) money transfer) with ALLY FINANCIAL INC. (TN).
Issue: Other transaction issues

Complaint: I was paying rent via an account number. However, I inadvertently entered a routing number as the account number. The routing number and the recipients name were correct, and XXXX bank accepted the transfer. Ally ( my bank ) states that it is up to XXXX to return the funds, and XXXX states that it is up to Ally to request the funds be returned.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Selene Finance LP (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I requested from  " Selene Finance '' num erous times for reinstatement so I could issue a cashier check to reinstating my loan. It 's my belief that  Selene Finance purpo sely abandon their policy. On  XX/X/2016    at  XXXX    XXXX   for  20 min/ 47sec I  spoke with  XXXX   XXXX   a  employee with Sel ene Finance she was baffled and in shocked as to why I was not issued an reinstatement letter. She reor dered the reinstatement letter  ( th is makes my fourth request ) which was cancelled for a second time.  XXXX  also confirmed the following :  1.  On  XX/XX/XXXX  I ordered a payo ff 2.  On  XXXX   XXXX ,  2016 I  requested a reinstatement statem ent 3.  On  XXXX   XXXX  , 2016 I sp oke with  XXXX   XXXX  and in his notes I re-ordered a reinstatement statement but it was never order.    4. O n  XXXX   XXXX ,  2016 I pa id  XXXX  as of  XXXX   XXXX ,  2016 a partia l payment ( unapplied ) {$7100.00} was in SUSPENSE Currently I owed {$5900.00 } 5.  On  XXXX   XXXX ,    2016  I spoke with  XXXX   XXXX  she was highly perplexed as to why I did not received a reinstatement statement ( prior to making a payment, stating its their policy that a reinstatement statement must go out to the borrower to assure the borrower of the reinstatement balance owed.    6.  She confirmed on  XXXX   XXXX  , 2016     XXXX   XXXX  deleted the reinstatement request.    7.   XXXX   XXXX  re-ordered the reinstatement statement and schedules a follow up call on  XXXX  at  XXXX . Unfortunately we have not spoken again.     I was charged  XXXX  late fees  XXXX  for  XXXX   2016 an d  XXXX     2016.     Selene Finance cla im I owed over {$6000.00} in fees that carried over fro m   XXXX   XXXX   XXXX  . Un true.   They have submitted to the credit bureaus that I have been 60 days late, for  XXXX  &  XXXX   2016.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: This complaint is a response to Experian 's response to my original complaint. Complaint ID : XXXX Experian stated it was accurate as reported, however did n't explain how it was verified, which is what the original complaint was for. 

What steps did you take to verify the XXXX XXXX ( XXXX ) account on my credit report? 

What did the company present to you as proof of verification? 

I do n't recognize this account, and according to the Fair Credit Reporting Act, I am entitled to a copy of the original contract, which I have not received. To go further, Experian is no longer showing a balance on the XXXX XXXX account and I have n't even made a payment towards XXXX XXXX. This istem needs to be removed because they do n't even know what they 're doing anymore and its hurting my credit report.

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 01/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was owed ( {$930.00} ) was paid to NCC. I do n't owe the amount of {$2200.00}. Attached is the documentation to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Federal student loan debt) with COAST PROFESSIONAL INC (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Sent in documents they asked for. Was setting up a payment plan. Then got a letter from my employer that they are garnishing my check. After they already took my taxes. Had gave my bank information for payment plan . 2 pay ments were already taking out : called had everything set up. Then my check was garnished. Called again to see what was going on. And just kept getting transferred or hungup on. Told me I need to fax thema letter say i give them permission to call me. Then I need to fax them a paper saying I give them permission to fax me. Keeps me on hold for longer the n 45min.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Was called around the beginning of XX/XX/XXXX about said I owed a debt to XXXX XXXX XXXX XXXX. Asked for verification of said debt received a letter around XX/XX/XXXX asking for ssn # and an account number to said debt. I dont have this account number and do not feel comfortable giving out my ssn # due to recent fraud that was on my credit report. The amount of the Debt was for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On the XXXX XXXX 2016, while trying to get my report online, XXXX kept telling me " unable to complete your request '', I then tried XXXX and Experian and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at the XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their .com websites which redirects me to the XXXX website. I was advised to file a police report and need the credit reports to do so.

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 05/19/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Closing/Cancelling account

Complaint: This is the XXXX time Citi Cards has closed accounts I 've had with them due to recent inquiries despite the fact that all of my accounts are in good standing and I 've had several of them for well over a XXXX now. I have found them very frustrating to work with trying to get my accounts with them reopened and I want a real solution to this matter or at least having Citi remove the XXXX XXXX, XXXX accounts removed from my credit reports. 

My very XXXX Citi card was a Citi Forward account opened XXXX 2013 and that was used to build my credit. It astounds me that none of that has been taken into consideration with regards to these account closures they 've done on me. I do n't like the deceptive bait and switch tactic of approving me for these accounts and then closing them like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation