milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NE).
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: I bought a laptop, and applied for a new credit card with Citibank. I received one statement, and just before paying it ; my daughter indicated that it did n't work. Several of the keys did n't work. I took it back, and had a difficult time returning it. I had to wait for 30 mins while they tried to adjust the settings. It was beyond the return period, and I did n't have the packaging, so the store refused to return it. 
They directed my complaint to the manufacturer, and I refused to hassle with that. 
I left the laptop there. IN the meantime, I did n't receive another statement, or anything else in the mail from either XXXX, or the credit card company, ( Citibank ). 
I received a call from Citibank about 2 weeks ago, and when I got home, I called to dispute the charge. I looked for any add'l documentation, and have only received the initial statement. I have it on file, and see that it reflects a TOTAL balance due of {XXXX}. I just confirmed with CitiBank that they have n't sent any add'l statements and they the balance they are trying to collect is {XXXX}. I have closed the account, and had filed a dispute that I owed anything to them. I initially filed the dispute, over a phone call on XXXX XXXX. I received a collection call today, XX/XX/2017

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 04-09-2017 about Debt collection (Medical) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent two requests to this company requesting they provide verification of this debt. Each response provided does not provide the requested documents needed to confirm this is in fact my debt. In fact their last communication accused me of submitting a frivolous request when this company has the obligation to validate this debt I say I owe. I am making a request that is within my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 09-07-2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: After graduating XXXX, the loan payments became astonomically unaffordable. they offered income based repayment plans but it made the balance and principal constantly grow to where payements were not going towards principal or interest. it 's impossible to pay this loan off on their terms.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: We received a phone message mid XXXX to call XXXX XXXX to discuss a request to increase our credit line on our Lowes card. I check my Lowes card and the balance was zero. My last activity on that account was XXXX XXXX. I did not call the number back because I felt this was a phishing scheme. 

Then we received a letter dated XX/XX/XXXX stating that my credit bureau report was not accessible so they were unable to grant the increase. I called XXXX XXXX after reading the letter dated XX/XX/XXXX and informed them I had not made the request for an increase to my credit limit. I asked them to close my account. They asked for my SS number which I would not provide. I was n't sure if this letter was a scam or not so I hung up. 

On XX/XX/XXXXwe received a letter dated XX/XX/XXXX stating they had closed my account and I had a balance of {$8000.00}. I called the bank onXX/XX/XXXX after we got that letter and my wife spoke with XXXX who gave her employee number as 'XXXX '. XXXX stated they would turn it over to the fraud department and it would take 30 to 45 days to resolve. She said we should not make any payments and they would not report the account as delinquent to the credit bureau. 

I called XXXX XXXX on XX/XX/XXXX after we received the Lowes statement which is due XX/XX/XXXX. I was told the Bank knew the charges were fraudulent but it would take 45 to 60 days to remove the charges. 

I have filed a police report with the XXXX Police department and the report number is XXXX. I have made contact with one of the two Lowes stores where these charges were made. I with XXXX XXXX, Customer Service Manager, and he has turned this account over to their loss prevention department. 

Neither my wife nor I made any of these three these charges at Lowes. I request that Lowes and XXXX XXXX remove these charges from my account history and report to the credit bureaus that this account was closed per customer request because of fraudulent charges.

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 07/26/2016 about Debt collection (Credit card) with D. SCOTT CARRUTHERS (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The company notified my job and brother and I do n't know how they got my information

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with INCOMM HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: On XX/XX/2017, There was a XXXX XXXX on sale from XXXX for {$1000.00}. They used XXXX payments through email for the transaction. They would ship the car because they owner said he would be XXXX back to the military. They told me to open two XXXX prepaid cards each holding {$500.00} and send screenshots to them. After a day I went to check the status and there were no such thing. I went to check on the prepaid cards website. Both transactions ( {$500.00} ea. ) statements were forwarded to an auto parts store in XXXX, Michigan. I started to realize this was a scam. I never got a reply from the XXXX people who sent me the payment options for the car. I contacted the XXXX XXXX prepaid customer service line and explained what happened. They told me that they could not do anything and are not responsible for scams. I feel this card company would have done something if I had n't said this was a scam transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (WI).
Issue: Managing the loan or lease

Complaint: We traded our Toyota Sienna in at the beginning of XXXX 2015. Our typical payment would have been due on XXXX XXXX but the dealership told us not to pay it as it was included in the payoff amount that would be sent to Toyota Financial Services. TFS received the payoff on XXXX XXXX, 2015. In XXXX we were told that Toyota had reported to the credit bureaus that our XXXX 2015 payment was past 30 days late. Since we were given this information I have contacted Toyota Financial Services XXXX times via phone, once via email and another via written letter. I have heard nothing. We need to get this removed from our credit report. This payment was not over 30 days late. We are in the process of purchasing a new home and this blemish on our credit report is significantly affecting us. I do n't know what else to do and I 'm at my wits end with Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been a victim of identity theft four times in one year and I have contacted Equifax and sent them the police report and the federal trade commission affidavit and had the complete premier plan with unlimited service and when I tried to update my credit report it says that I have an order in progress so I have to call Equifax to update my report and they most of the time send me all over the place from XXXX to the XXXX special fraud department to verify my info and I did over 50-100 times and sent numerous trouble tech tickets to try to fix the problems numerous times and there solution is to cancel my service instead of fixing the problem. they still collected my money for there service and I did n't have unlimited service. I have stayed and transfer from rep to supervisor and wrote numerous complaints to Equifax and the better business bureau office to consumer protection tom foreslong, Equifax consumer protection XXXX XXXX and no one can help. XXXX XXXX said she does n't deal with the problem. so how can I monitor my Equifax. cause in XXXX I had a fraud alert on my credit report and I took it off and some one XXXX tried to get credit I did a police report and sent it to Equifax. but still have to call even though I have unlimited service and Equifax numerous times instead of trying to fix it they cancel my service but did n't return my money. but still charging me. who else are they doing this to. we have no recourse or help they do n't care they do n't fix the problem. they wont call you. or follow through

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Loans serviced by Navient. I was forced into forbearance and then defaulting in order to qualify for income based repayment. I was given no other option but to default when i could n't make payments on time. This destroyed my credit and is highly illegal when there were other options available yet were withheld from me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: These account are still on my credit report was deleted last month. I have attached enough paperwork from my fraud alert and have sent them my paperwork. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Account charged off. {$390.00} written off. {$390.00} past due as of XXXX 2016. 
XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Account charged off. {$460.00} written off. {$460.00} past due as of XXXX 2016. 
I also have a lot of inquiries I did n't authorize that are on there and are attached on letter enclosed. 

These are not my account an was used for fraud. And should be deleted. 

XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX BANK Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX XXXX BANK Account Number : XXXX .... Outcome : Pending Date : XXXX XXXX, 2016 XXXX BANK DELAWARE Account Number : XXXX .... Outcome : XXXX XXXX : XXXX XXXX, 2016

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 03/15/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX I received checks from what I later learned was someone impersonating a person representing a foreign production company. I deposited the checks and because I was wary of them, asked the bank if they checked them. I was told a check was made that it was an account and that there was money. So when I saw the money available in my account I used it at the instructions of the supposed company that had sent it. Then on XX/XX/XXXX, I had suspicions about the company. I went to the police, who said until there was an actual crime they could not do anything. I tried calling Wells Fargo and XXXX XXXX is where I was instructed to send some funds. Neguard to bad checkseither bank had much interest in doing anything about my complaint yet. Then on XX/XX/XXXX the money was taken out of my accounts because the checks were bad. I went to a Wells Fargo branch- I was out of town working- to try and find out what I can do. The branch told me they don't actually check on the checks as they are deposited. So because I have a good account, they show the money in my account knowing they can take it back if it's bad. Using the customer as safeguard.

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 11/17/2015 about Payday loan () with EMG ACQUISITION GROUP, LLC (CT).
Issue: Can't contact lender

Complaint: None of the aboveMy complaint is that the CFPB Is eliminating my access to credit with its ridicules rules and in the case of XXXX XXXX XXXX, illegal actions against the industry. I can read, I know the law. I 'm a grown up. I can make my own decisions. Leave me and the industry alone.

Company response to consumer: Closed
Consumer complaint received 02-07-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: When I purchased my home in 2006 I believe that I had obtained a rate whose rate was only fixed for 5 years and would adjust afterwards. When the 5 year mark arrived the rate did n't adjust. I contacted Wells Fargo and they insisted the loan was with a fixed rate and the rate would not be changed. I tried to refinance the mortgage and despite many attempts they have refused to refinance my mortgage under any circumstances. 
I reached out for assistance from Wells Fargo and despite the fact that I sent the same information repeatedly they insisted I had not furnished them all the information required. They also kept moving my case to other people. It seemed that they on purpose would request the same information over and over just to discourage you from asking for assistance. 
I have been current with my payments and I am locked in a mortgage at close 7 % which is far higher than the market and ca n't get the bank to refinance me. I think the mortgage when I first signed for it was misrepresented to me and I believe that in order to correct that misrepresentation some accommodation should be reached.

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 06-12-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This agency has three collections listed which I do not owe, I have requested many times verification and received nothing with evidence of these. XXXX XXXX XXXX {$1200.00}, {$1200.00} and again {$1200.00} all three are listed on my personal credit file.

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 03-06-2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I contacted XXXX XXXX XXXX to have my extended warranty cancel they refused to do so stating that money would not be returned back to us then it will be applied to the lien holder which is Credit Acceptance. After contacting Credit Acceptance they refused work with us or lower our payments due to hardship and stand they repossess my car then they have a repossession showing on my credit report only after a week the car was taken not even contacted me or giving me an option to try to resolve the issue I would like for you to contact when Insurance Company as well as credit acceptance to resolve this matter is false advertisement. The purchased of this vehicle was fraudalent from the beginning with XXXX XXXX, XXXX XXXX and Credit Acceptances. They are all involve in scamming customers

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 10-03-2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A debt for {$140.00}, paid 2 months ago, continues to be reported to the credit bureau agencies. This debt is currectly showing as open and unpaid on my credit bureau report. This is negatively affecting my credit scores and ability to borrow. This is the only negative item on my bureau report. The debt is being reported by AMERICAN MEDICAL COLL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX. This is a collections agency collecting for XXXX, original creditor. The debt was paid to XXXX on XXXX XXXX, 2015 via credit card with a record of the payment available. The debt and collections account continues to show as open on my credit bureau report as recent as XXXX XXXX, 2015. I have contacted the original creditor and the collections agency multiple times to have the debt cleared from my credit bureau. I have a letter from XXXX showing the debt has been paid. This letter was forwarded to the collector by me yet the debt remains on my credit bureau. The collections agency has not removed this paid debt from my credit bureau and has taken no action to resolve this issue after multiple contacts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (I do not know) with Knight Adjustment Bureau (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not known to me. XX/XX/XXXX I was a victim of identity theft this account was opened fraudulently. I complained to XXXX XXXX credit bureau XX/XX/XXXX that I wish to place a dispute with this company and requested that full. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 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 am the co-signer on my daughters loan, I sent a check for XXXX to pay-off the balance, the check was cashed on XX/XX/17 by XXXX XXXX ( which was bought out by Navient ). 
The check was never applied towards the loan. My daughter and I have spent several days/hours on the phone with no answers to where the check went. I have a bank statement that states it was cashed by XXXX XXXX but the Company ID belongs to Navient. This is very frustrating and upsetting that nothing is being done. Nobody at Navient seems to know what they are doing. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (LA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a loan and never accepted the loan because the interest rate was way too high and I kept receiving emails to accept the loan it was deposited in my account. I called the number provided and couldnt get an answer. I finally decided to send a email and finally got a response but was told I had to pay interest plus the money that was deposited into my account which would have set me back financially now I am stuck with them debiting bi weekly payments from 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 explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds! <P/>It is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a XXXX, because I refused to allow someone else to cheat me?? <P/>
I just finished a call with Experian. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.

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 11-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: I had some difficulty with Bloomingdale 's online application and became past due. Someone called me and asked if I wanted to make the past due payment, to which I said yes, and authorized a payment of around {$200.00}. They charged my bank account the full balance of my card, around {$3700.00}. I did not authorize the payment for that amount. I called their support desk, and was told that I needed to fax in a copy of my bank statement, and that processing would take up to 14 days. I do not have a fax machine, nor do I have 14 days. I can not pay rent or car payments on my credit cards, and now I am trying to figure out how to come up with the money for both.

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