milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Transaction issue

Complaint: I made a charge on my credit card and later discovered that it was a scam. When I got back to the states I tried to cancel with the company and was given the run around. I contacted CitiBank and made a complaint. Apparently I did the complaint incorrectly according to them and because of this the dispute was cancelled and my {$2900.00} ( they game me a {$110.00} credit ) became my responsibility even though the company has given me absolutely NOTHING for the money. CitiBank states that I was suppose to dispute the amount ONLY but did so afterwards. I have never had this concern. I have no way of contacting the company because the numbers are not working for me and I have been left with nothing. This complaint involves CitiBank, Mastercard, XXXX XXXX ( people I signed up with in XXXX, XXXX ) and XXXX ( people I was supposed to have the vacation plan with and I am unable to get in contact with by number provided on contract and online ).

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 05/22/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I was a victim of account fraud on my chase account. I contacted the police department when I noticed a  XXXX  transaction on my account that I did not authorize. I was in possession of my ATM card. The police went to the gas station where the transaction took place and they pulled the video surveillance and they were able to identify the suspect. The y have a warrant out for his arrest. I contacted my branch manager and he explained that I am insured and that the money would be put back in my account. Months later, Chase said they did an investigation and found that there was no fraud and took my money back out. My branch manager called the detective and provided the fraud depart ment at chase the police report number and the detective offered t o give then the video with time stamped proof of the suspect and provide written proof of the warrant. The fraud department refused to take the evidence even though I am supposed to be protected and insured. I am begging for help. I have any and all evidence needed. My branch manager was outraged at the way the fraud department handled  this case.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DE).
Issue: Problems caused by my funds being low

Complaint: I have several casino withdrawals from my account. As you can see in the attached statement, XXXX transactions for {$50.00} I was charged a {$35.00} fee for saying they 're fees for transactions received. 
Then XXXX {$50.00} item after that says NSF returned item fee for XXXX. So since the first XXXX said fees for items received, I concluded they were paid and I was just charged. Now these XXXX items are posting as retry payments when it was n't clear they were returned like the XXXX one stated. Wells Fargo also does n't show the balance with each transaction so you ca n't tell if your balance is negative or not, giving you the chance to deposit money to cover the balance. You also do n't know items were returned until the next day when you get notice. Again if the balance showed online, you would be able to see the balance was negative. The only thing they do is offer their services for overdraft protection, of course a sales tactic. I believe all of these banks count on the fees they can gouge from our accounts and they do n't work with their clients. Everyone I know in this world is struggling with this economy and we, the middle and lower class get screwed by banks with these fee gouging and lack of communication. Wells Fargo has the worst online site and their customer service is the worst. All they do is quote policy and do n't answer specific questions you ask. I have direct deposit every two weeks and manual deposits on the weeks in between the direct deposits so Wells Fargo knows money will be in my account. I also enjoy online casino gambling so money is deposited from this as well. They can see how much money goes in and out of my account. Even when I contact them through their online site to advise a deposit is going in the next day, they still say they ca n't help and I have to call. Everyone uses email as means of communication these days with our busy work schedules so why do they force you to call? Sorry, got off track of the issue. Not knowing these items were returned and going to be retried have caused problems with my balance available and will effect everything else coming in. Someone in this country must address these bank issues as they are killing our accounts with their outrageous fees. The items I 'm talking about are the recent items but it copied a whole statement.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX/XXXX/XXXX I tried to sign up with XXXX XXXX and found out transition had a security freeze on my account. Spoke to 3 people who would not tell me why but was told I would get a call this morning at XXXX XXXX, a time I requested. I was not called back. Spoke to XXXX in their US based specialized fraud team this morning. She said that a freeze was placed on me on XXXX/XXXX/XXXX. She said due to the XXXX issue the transunion system was overwhelmed and that when someone requested a freeze their system is freezing everyone with the same name. I asked what they were doing about it. She said they are going thru their system and seeing who should n't have been frozen. I asked how they would know which XXXX XXXX requested it and which did n't. She was unable to answer my question. The first person I spoke to yesterday told me since I had not request ed the freeze it may have been a family member. I find it very troubling that some one other then myself would be able to request a freeze on my account. Their own website says if I have a freeze I am mailed a letter with a freeze pin number. Guess their system mailed it to the wrong XXXX XXXX since I was never notified. I requested compensation for my time and inconvenience but was denied

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 01-07-2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a wage garnishment letter from my employer that was sent to them from Transworld Systems Inc. the document contains an inaccurate debt amount and it is not a court order. I contacted them and they told me that the amount was for the original debt plus over {$2500.00} in interest. They also informed me that they did not have a court order. The letter also states that they are a government agency, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Closing/Cancelling account

Complaint: I had a credit card with Barclay Card USA which I asked them for full balance for payoff so I could close the account several months ago. I paid the amount they provided as the payoff and closed/canceled the credit card. I received a bill today from the credit card company and when I called them about it they would not provide me any information. Once I paid off the payoff amount they provided and canceled the card then nothing should have charged my account.

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 09-07-2017 about Vehicle loan or lease (Loan) with Prizm Financial Company, LLC (KY).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I have a car loan I paid on time for a full year and a half, I had to go on fmla from work for 3 months because my daughter was hospitalized resulting in me not getting paid for 3 months. The loan agency would not help in anyway for making lower payments but they let me making minimum payments every week of XXXX which is hard to do when you 're not getting paid but I managed. I went back to work and started catching up on the payments but I 'm currently still passed due because I 'm trying to catch up on the car payment and rent as well. I explained this all to the original lady that I was working with and the agreement was as long as I 'm making active payments they would not take the car. I 'm now having 3 different people contacting me via email and phone all at the same on regards to this account. They are not relying messages to each other. Today while I was on the phone with one collector I had the other person email me that he put my car up for repossession when the lady I was on the phone with reassured me that I was fine. I made a payment on the 4th of XXXX and today I had one email me that they need another payment immediately because they can no longer continue this way. It has n't even been 3 days since I made one payment and I had already scheduled a payment on the 4th as well for XXXX for the 15th which would then put my passed due payment at XXXX which is less then the monthly car note which is XXXX. Every week I get a message that I 'm on the verge of a repossession when I 'm making payments and staying in contact with them. I work XXXX to XXXX XXXX which is the time they try to contact me and I can not contact them back which I 've told them but if I do n't contact them right away they state they are putting my car for repossession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived in XXXX. That information is not correct and should be corrected. My husband lived there at one time but we were separated. The only address that should be listed is XXXX XXXX XXXX, XXXX, MD XXXX. I have lived here all my life.

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 03/31/2018 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Disputing : Account : XXXX XXXX  On XX/XX/2018, I disputed the following account in writing due to me having no recollection of ever having an account with XXXX XXXX who is reporting negative information to my credit profile. In my first dispute, Transunion and XXXX XXXX failed to provide Verifiable Proof such as, an original Consumer Contract with my Signature on it for the account listed above. 

Their failure to positively verify these accounts prior to reporting them, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove these accounts. I believe that they have failed to follow the law ( s ) on this matter.

Also, according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to physically verify the original signed consumer  contract, and all accounts they they post on someones credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Transunion and XXXX XXXX 's refusal to follow the law has left me with no other option, but to file this complaint.. 

I am submitting my dispute letter that I sent to Transunion on XX/XX/ 2018.

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 10/22/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received your second letter and am not surprised to find no new information to support your allegation of my debt. 
Therefore let me re-state the situation. I have always paid for my XXXX XXXX XXXX purchases by cash, check or my credit card, never a credit card issued by XXXX XXXX for XXXX XXXX XXXX. 
The XXXX letter you enclosed is incorrect stating my address. I have never lived there. Wonder what else is incorrect. 
The XXXX XXXX number as said before was never requested, therefore is not valid. Until a responsible third party provides proof that card number was requested, issued and used, there is no additional discussion. 
Given XXXX recent FDIC consent agreement or XXXX XXXX XXXX customers reputation, either is suspect of misdeeds. The recent XXXX XXXX situation validates those possibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Equifax on numerous occasions with the latest contact dated X/XX/2017. I keep letting them know that there are 25 inquiries on my credit report was not authorized by me. They tell me to contact the companies who initiated the inquiries but the few companies I did contact told me I had to contact the credit agency that are reporting the inquiry, and when I contact Equifax they give me the run around. They tell me these inquiries will stay on my report for two years. This is not fair, especially if I did not authorized these inquiries. I believe my credit account was breached way before Equifax became public about their systems being breached. I am currently trying to place a security freeze on my credit file from all 3 credit agencies and I am also currently in the process of consulting an attorney to help me deal with these matter.
I am attaching a copy of my credit report with the inquiries highlighted ( pages 61-65 ) ....

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The original Creditor had refused to close account and illegally charged late fees etc. This account has been paid in full and should be immediately be removed from my credit report. I have reached out to the Transunion on several occasions to have this issue resolved with no luck and lack of response.

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 12/28/2016 about Debt collection (Medical) with SYNCHRONY FINANCIAL (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt should have been pain by my vision insurance company, XXXX XXXX, and therefore is not mine. After saying numerous time to please speak to them regarding this matter, they continue to call me and harrass me, my parents on their landline phone, and send mail to my parents residency often.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: At one point during the repayment of the loan, my Grandmother was making payments for me. She does not know much about principal and interest. However she would make every payment on time. They were months were she would send a check in to Navient ( possibly XXXX XXXX at this time ) and the money would not be deducted from her bank account within a reasonable time period for that form of transaction. She called customer service to complain about this problem as it happened again this particular month. She explained to them that she has been sending in payments and that they have been coming out weeks after she sent in the check. The customer service representative told her that there may have been a backup in their systems and that they have not processed the check yet. However, I believe that this was apart of the bigger scam of Navient ( XXXX XXXX ) holding payments to maximize interest and minimize your principal payment in order to keep you in the loan terms longer. The very next day after this call they somehow found her check and processed it. They have been practicing dirty business for a while now, and it needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: My wife purchased clo thes from   Macy 's and  we never received the bills until a paper bill was sent after the card was 90 days past due. They charged us over {$100.00} in late fees and other interest charges. I called to inform that they

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 03/15/2017 about Credit reporting () with National Credit Systems,Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like the company to honor what I was told about a year ago XXXX,2016 I paid a debt and was specificity that as of XXXX 2016 it would be removed of my credit report here a year later! They are saying that it was only going to be placed on my credit report as settled. Even though i have reached out to them and explain what I was told I would like their phone records pulled because they refuse to honor what another employee as told me. 
I feel like this is hendering the process to have to plea my case to others when they can not stand behind what was told to me! I have note of the date paid and what I was told. Thank you for your help in timely manner. XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Payday loan () with ACE CASH EXPRESS, INC. (OR).
Issue: Charged fees or interest I didn't expect

Complaint: I had a loan which was due XXXX XXXX. I spoke with a customer service agent at the XXXX XXXX, XXXX, Oregon store as I was n't going to make it in to the store to pay it on that day. The gal told me that it would automatically go to the bank as a debit card charge that night. I said that was fine. The amount never deducted from my account and when I called the following Tuesday, XXXX XXXX, the customer service person told me it was declined for insufficient funds from my bank. I promptly went in to my bank and confirmed the charge was never presented to the bank, and never declined. I brought a printout and the bank teller 's name and phone contact to the XXXX XXXX store, and the gal told me there is a {$20.00} charge on my account and that it is in collections,

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Medical debt) with First Federal Credit Control (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On my credit report search, came up with unknown debt notice from weird amount. So called debt collect agency. They said it's one part of bill that related 2015 XXXX. Agency said there is possibility the hospital found out later and just sent to debt collector because it's too old. I paid right off but history remain in my credit report. Never received any bill or information related this service and charge.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: trans union did not verify negative information by sending consumer a copy of the negative information?

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 07/29/2017 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: Their investigation did not fix an error on your report

Complaint: On X/XX/17, I reviewed my XXXX credit bureau reports, and mailed dispute letters detailing multiple inquires that I did not recognize OR authorize. There were only a few on the reports that actually belonged to me, so they were not included in the dispute letters. I am not sure if this is due to fraud, but I did not ask authorized these companies to access my credit reports. I would like to clear up these multiple errors. I have attached the letters that were sent to each Credit Bureau. The applicable inquiries are listed in the letters. The mailed letters were signed and dated.

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 12/16/2015 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Shopping for a loan or lease

Complaint: To whom this may concern, I applied for a credit card with Capital One XXXX XXXX XXXX and was turned down on XXXX/XXXX/2015 and a few months back. The attended asked me if I kept a balance on my credit cards and when I said No. She told me I was turned down although I have excellent credit. Further, I received a offer from the Capitol One XXXX Reservation : XXXX, Access Code XXXX. I called this XXXX to apply. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent a certified letter to TransUnion on XX/XX/XXXX disputing incorrect reporting on my credit file. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. I have not received an update in regards to this matter

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