milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My wife and I both have checking accounts with Citibank. Citibank freeze our accounts for no reason. They do n't have office near my home. I call Citibank and sent letter to Citibank center. But they refuse to unfreeze our accounts. We have total {$3200.00} in the 2 accounts. Please help us to get our money back.

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 05-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I began repaying loans to XXXX/Navient XX/XX/2009. When the payment was too much for my beginning salary, the only option that was provided to me was an interest only payment for two years. I accepted a XXXX/mo interest only payment. Two years later I contacted because my loan payment returned to the original rate which nearly doubled my payment. Again, I was told that interest only payments were the only option, now for three years. After 5 years of paying XXXX in interest only payments, believing it was the only option, I am told by a Navient representative that I could have modified the terms of my loan, lowing the interest rate and extending my terms. Now I am paying XXXX/month with payments going to interest and principal. Because they did not inform me about the modification option, they have received an extra 60 months of interest payment without my principle reducing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXXl located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My name is XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX. I contacted this institution in regards of two charge off credit cards, they keep reporting it to the Credit Bureaus. They are in violation of the credit reporting LAWS they sent me a statement but never sent me confirmation of HOW these two accounts were actually initiated who did it, they MUST provide me with a signature of me OR even a picture ID of me to verify it was me in fact who opened these two accounts. I am going to be filing a law suit against XXXX if these accounts are NOT removed from " ALL '' credit bureaus within 15 Days of receipt of these complaint. They would take money out of my checking account to pay for those credit cards and if there was no money I 'd be locked out of my account something for which they already been sued in the past and I WAS NOT compensated at all. 
I demand for XXXX to either provide me copies of my signature or picture of my ID, if you can not provide either then you are in the obligation by law to remove both of these charge offs accounts from my credit report. ALL Bureaus. I do not want to ever do business with XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Medical) with Professional Credit Management, Inc (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Professional Credit Management of XXXX, AR ( PCM ) intentionally and illegally reported and continues to report false information to Equifax. I had a procedure in XXXX of XXXX. They originally reported the date of first delinquency as XXXX of XXXX, three months prior to the date of service. Pursuant to the Fair Credit Reporting Act ( FCRA ) they must report accurate to the credit bureaus. I have their manager, XXXX XXXX, on a recorded call stating that they do indeed report false information so the information will come off sooner. Reporting false information is still illegal. Since then, PCM has reported the debt as unpaid when it has been paid and now they 've changed it again. In the last 2 months PCM has reported several different false reports, defamed my character, and jeopardized my ability to get sound interest rates. PCM should be shut down immediately and required to cease operations. I am also asking the CFPB to do a full audit of PCM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (I do not know) with URS Holding, LLC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: United Recoveries called my home today in an attempt to collect a debt allegedly owed by my mother-in-law. My mother-in-law has NEVER lived at my home and United Recoveries called just to get information on her. Although the call was from United Recoveries, the phone number they called from, XXXX, displayed the caller ID of " XXXX XXXX '' an unrelated company in a clear attempt to mislead me. Also, United Recoveries recorded the call prior to obtaining my consent and peppered me with question immediately in an attempt to distract me from the statement that they would be recording the call.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Credit freeze and thaw needs to be free. We didnt ask for these credit reporting companies to take our financial lives into their hands and it 's nothing less than extortion for them to charge money for it. 

XXXX changed their website after the Equifax crisis to make it harder to freeze your account and easier to pay for their " premiere protection ''. The public will not stand for this any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My Slate account ending in XXXX has been billed interest and fees associated with a charge in the amount of XXXX on or around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA. This charge has been in dispute since XX/XX/XXXX with no resolution, an account supervisor stated today, XX/XX/XXXX, the merchant has not replied and does not have to. This is the second phase in disputes process. The dept handling dispute does not accept inbound calls.. Information was provided prior, as far back as XX/XX/XXXX, showing the items were not received. I know this info was included in initial dispute. XX/XX/XXXX tracking info shows package left with a XXXX XXXX, no one by this name lives at my address and I did not receive the package. Again, this information was provided to disputes reps several times as well via secure message on Chase.com. If Chase reps failed to see it and or act on it, that is their own error, not mine. It appears this is the case as the dispute is now in phase two in which the merchant does not have to reply, according to an account manager..

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Transunion is reporting incorrect information on my credit report. Several attempts via phone and US mail informing Transunion of these errors were attempted without success. The following accounts are being reported derogatory and needs to be corrected to current/paid or needs to be removed due to being closed over 7 years ago. 1. XXXX XXXX XXXX/ acct # XXXX is showing being derogatory. This account is closed and was never late. XXXX XXXX  attempted to send several correspondences to correct wrongful information on Transunion reporting. 2. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account has been closed over 10 years ago and was never late. 3.XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 4. XXXX XXXX/ acct # XXXX. This account is showing being derogatory on my credit report. This account been closed over 10 years ago and was never late. 5. XXXX XXXX XXXX acct # XXXX. This account is showing being derogatory on my credit report. This account was never late. Please correct this information as soon as possible.

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 03/18/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I contacted XXXX in earlier XXXX after became aware of some inconsistencies in my XXXX account in late XXXX XXXX. I had just returned to the US after a 3 years tour in XXXX and was trying to reactivate my insurance to full coverage for my vehicle which was still in storage at that. I needed change my insurance to full coverage because otherwise I had to $ 120.00/Wk for my rental car anyway after multiple calls and bounce back and forth between numerous department regarding and {$8000.00} on my accounts, I finally gave up and decided to contact them back after the XXXX weekend and went ahead and bought insurance from another XXXX. Fast forward to XXXX XXXX, Between the Holidays, transitioning and all the training I had to go, I kind of forget about XXXX until I attend a class in XXXX when I was reminded of the free annual credit report and given a code to check my fico score. After I became aware of multiple discrepancies on my credit files, I contacted XXXX and the companies in question requesting information to assist me in addressing the fraudulent and or erroneous transactions. I finally received a response from XXXX in which its representative XXXX XXXX declined to investigate because I did not provide them with sufficient information. Unfortunately I do n't have any additional information, because I did not open the account, and have verified with my wife whom has vehemently denied opening the fraudulent account. XXXX is one of the best company out there and very military friendly which is the reason I am very surprise by their response. I can not protect myself and get police involved if necessary unless XXXX provide me with the requested info. 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 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EXPERT GLOBAL SOLUTIONS, INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: CALLING ALL FAMILY MEMBERS, WORK, CELL AND HOME IN VIOLATION OF TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I contacted Navient Solutions about making a payment on my private student loan. I spoke to XXXX customer service representatives that were very rude. Both representatives yelled at me within moments of speaking to them. The female representative did not answer my questions and spoke in an aggressive manner the whole time. She asked me questions that did not seem relevant in finding a solution to my situation but more aligned with her aim to be as verbally abusive as possible. She blamed working late hours on the reason why she was so rude. She also said she was not in customer service as another excuse to be so patronizing and verbally abusive. I finally received the answers and a solution to my problem when speaking to their supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Other

Complaint: Around XX/XX/2016, Best Buy/CBNA reported to the XXXX Credit Reporting agency that I filed Chapter XXXX bankruptcy against account XXXX and account XXXX. I HAVE NOT FILED BANKRUPTCY. After many hours on the phone with Best Buy credit card customer service, it was investigated and my account was re-opened. However, this morning ( XX/XX/2016 ) I received an alert from XXXX Credit Reporting agency that they have reported, yet again, that I have filed bankruptcy. I HAVE NOT FILED BANKRUPTCY. I am at my wits end of how I can get them to stop reporting this erroneous information on my credit report. I am trying to rebuild my credit and this is very damaging. Last month, I attempted to refinance my vehicle and was denied. Best Buy refused to provide where they are getting this information from so I could contact the lawyer, court or whomever provided this information. Please help. I can not afford an attorney but if that 's my only recourse, I will certainly hire one.

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 01/19/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm in need of assistance with my mortgage company. They 've offered me XXXX assistance thus far. For the sake of my neighborhood, and community I have decided to list my property as a short sale in hopes of aoviding a forcelosure auction. Not only will the short sale be better for my credit but also, better for the local economy by not adding to the foreclosure count. I have spoent hours trying to work out a deal with my lwender but to no avail they will not help me. This ios my good faith attempt to sell my proiperty for as much as possible via a local real estate franchise ( XXXX ) and have got an offer for even more than I would have expected the property to be worth. Please help me avoid foreclosure and complete this short sale ASAP for my familiy and community.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Bank account or service (Other bank product/service) with BMO HARRIS BANK NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I have XXXX Home Equity Lines of Credit with M & I XXXX Bank. BMO Harris Bank N.A . now claims ownership of these HELOC 's and has attempted several times to coerce me to redo the agreements. They have lied to me, threatened, bullied, misrepresented facts and used predatory practices in attempt to have me redo the HELOC 's. They have finally decided after several threats to " close the file '' to report that I am delinquent on my HELOC 's after paying without a missed or late payment approximately {$120000.00} dollars. After three attempts and different " reasons '' I must redo the HELOC 's, they settled on " your HELOC 's have matured ''. The problem with this and by BMO Harris 's own admission is that the M & I HELOC 's they acquired with the acquisition have no maturity date. They are attempting to scare approximately XXXX customers into redoing their M & I Lines of Credit to improve their bottom line. I believe this is an illegal practice and needs to be addressed properly. Further they are fraudulently reporting XXXX HELOC as a " charge off '' and another as " current ''. This is incorrect reporting to the credit reporting agencies. 
All of this is a result of BMO Harris Bank N.A . claiming ownership of the M & I Lines of Credit, illegally " calling them due '' and then reporting my delinquency to the credit bureaus when it is in fact BMO Harris Bank N.A . that has breached the Home Equity Line of Credit without question. They need to be stopped!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My husband and I are in the process of moving and purchasing a home. In anticipation of this event I pulled our credit to check credit scores. Upon doing so I discovered a defaulted SYNCB/XXXX  account. Over two weeks ago I submitted a fraud complaint. I then received a response from XXXX stating that the creditor verified the account as accurate. I then called Synchrony Bank to discuss the fraud claim. The first person I spoke to said that we could simply pay the claim. NO WAY! I then asked to be transferred to another agent. They said that the process would take 10 to 60 days. We hope to close on a home in less than 60 days. That agent said he would transfer us to the investigator and they would take our information. The final agent said that she could do nothing to help us expedite the process. Please note the following facts : 1. We currently have 3 open accounts with Synchrony Bank. One is paid off with perfect pay ( XXXX 's ), the second is XXXX 's XXXX with a XXXX balance, charged on monthly and paid off and finally XXXX XXXX which has a balance on automatic pay and paid perfectly. All three accounts have our current address and correct phone number. 

2. The address used to obtain credit is a home we have not owned since XX/XX/XXXX. We have not lived in that home since XX/XX/XXXX. The account was opened in XX/XX/XXXX. 

3. The first agent I spoke to said that they reject all fraud claims made through the credit bureaus by consumers. 

4. We have never had a late payment or any derogatory credit. 

5. The interest rate on the mortgage will be higher due to lower credit scores. 

6. The agent was in fact not the investigator and she made the following statements : A. There is nobody with more authority than her at the bank B. There is no way to expedite the verification process C. She can not give us the account number in reference D. She can not transfer us to another account manager E. The investigators will not talk to us to help provide information F. Her name was XXXX # XXXX ( probably not correct employee reference # ) G. She wanted us to link our current phone number with the defaulted account! 

The effects of this error will cause thousands of dollars in interest charges and/or possibly lose the house due to delay in processing.

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 05/19/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: A fraud account was opened with XXXX XXXX XXXX XXXX with a balance of XXXX.The fraud account was opened in XXXX, FL in XX/XX/XXXX . A fraud dispute was opened with XXXX XXXX and proper paperwork was provided. The original investigator assigned to case was XXXX, contact number XXXX ext XXXX regarding fraud account XXXX fraud account was resolved in my favor and it was reported to XXXX and Equifax. XXXX has removed the fraud but after several disputes with Equifax , they will not remove it. The first dispute letter was mailed to Equifax on XX/XX/XXXX. Since then it was mailed 2 more times, on XX/XX/XXXX and XX/XX/XXXX. The last attempt was not unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit card () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Credit card protection / Debt protection

Complaint: TRANSUNION XXXX AND XXXX HAVE LISTED THE FOLLOWING COMPANIES ON MY CREDIT FILE I NEVER FILLED OUT FOR THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROMOTIONAL XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX BANK HAS NO ADDRESS LISTED ON CREDIT FILE XXXX XXXX XXXX HAS 4 TIMES ON CREDIT FILE ONLY FILLED OUT ONCE FOR A CARD -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX WAS ALLREADY REMOVED TWICE FROM MY REPORTS NOW IT IS BACK ON FROM SOME NEW COMPANY THAT BOUGHT IT FAKE COLLECTIONS MUST OF SOLD IT TO THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX WOULD LIKE TO SUE THEM FOR THIS DUE TO ALL THE FALSE REPORTING I CAN NOT APPLY FOR A HOUSE LOAN FOR MY FAMILY JUST HAD A NEW BABY THANK YOU FOR HELPING ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Prepaid card (General purpose card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Fees

Complaint: In XXXX, XXXX I received a gift debit card for {$200.00}. When I went to use the gift card on XXXX XXXX, XXXX the account was closed. When I contacted Bank of American on XXXX XXXX, XXXX ( at approximately XXXX, via phone ) I was told the card had expired XXXX XXXX and the remaining balance ( actually the entire balance of {$200.00} ) was the " fee '' for closing the account.

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