milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2015 about Debt collection (Medical) with Account Management Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am current and up to date on all of my medical payments. I have health insurance so I often only pay a copay. I have no recollection of ever incurring this charge to my record.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: third party collection agency garnish my wages with verifying the debt after I sent them a debt verification notice several times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was contacted by Discover student loans in XX/XX/XXXX and was told that my in school deferment had expired and that I needed to reapply and that it would take approximately 4 weeks approve and to call back. I contacted Discover again in XX/XX/XXXX and was told I received misinformation but that I may have additional deferment time and that they needed to look into things further. During this time I was speaking to Discover daily and receiving different information every time I spoke to them. I informed Discover that I could not make payments for the full amount of XXXX dollars because I am in school completing my XXXX degree and my family was preparing for a move across the country because of my husbands military status. Finally in XX/XX/XXXX an account manager informed me that if I made payments of XXXX on XXXX of the month that I can have a rolling delinquency and my account would not go into collections status. Discover contacted me this week and told me that my loan was 92 days past due and that they had reported my account to both my and my co-signers credit reports. When I spoke to an account representative he informed me that he saw where the account manager had given me the information in XX/XX/XXXX and that he could see that I had been making the payments on the XXXX of the month since but that the information I was given by the account manager was not true. He also informed me that had my account not been placed in collections status that my co-signer could have been removed from my loan but that " they do n't like to tell people that '' and now it was to late to do. He also told me that because they purchased the loan from XXXX that they can not do anything for me and that their hands are tied.That they are not honoring the terms that they honor for their own loans but instead are sticking with the originally terms.I have received misinformation from Discover at every turn and honored the agreement that I was told would keep my account from reaching default status in XX/XX/XXXX but I am continuously being lied to and now it has seriously affected my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been reaching out to Experian credit reporting agency for over a year now for assistance and resolution and it has not been corrected or resolved as of it. I last filed a complaint with you and thy replied hey needed additional details as to what I 'm disputing so I will provide those below for you and them as well. I would like this reowlved without further delay and they continue to violate many laws and regulations by reporting this incorrect information on my report now. I recidved repeat number XXXX today and under negative accounts, there is an account XXXX XXXX, partial account number XXXX ..., which does not belong to me. This account and balance fully do not belong to me and this is a fraudulent account. I need this moved adap from my credit file. Then, under good standing accounts, account XXXX, partial account number XXXX ... Is being reported as a closed account when in fact this account is opened and not closed. You are again reporting incorrect information and I have brought this to your attention for over a year now. Under the inquiries section the below should be removed from the inquiries sections as not authorized ; XXXX card request, XXXX  XXXX request, XXXX XXXX request, XXXX card request, XXXX XXXX request, XXXX XXXX requests,

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 03-12-2016 about Consumer Loan (Vehicle loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Shopping for a loan or lease

Complaint: I applied for credit with XXXX XXXX expecting them to run my credit with XXXX for financing. They initiated XXXX inquiries to obtain financing for the vehicle. This was not disclosed to me. It has damaged my credit for over a year now. Businesses should not be allowed to do this without first advising consumers what they are going to do and what the impact of that can be on them.

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 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: XXXX does not allow 3rd parties to collaborate with them. I have been unable to connect various budgeting and financial management programs with my card, yet have no trouble with my other financial accounts. Inability to use XXXX or other services is an archaic and poor oversight. A strong reason not to use this card or get it until this problem is fixed.

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 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent them three 609 letters disputing ask them to remove the bankruptcies and liens off my report ... I also sent a letter asking how they verify account informantion they said through the bankruptcy court Or XXXX XXXX. I have a freeze and my records suppressed with XXXX XXXX ... the bankruptcy courts said they do n't verify bankruptcies

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015, CitiCard put a charge of XXXX on my credit card from XXXX XXXX of XXXX XXXX. I went online on XXXX XXXX and saw the charge on my credit card and called CitiCard and told them I did not make this purchase and I did not want them to pay it. They asked if I had ever bought from this company and I said I had but I did not authorize this purchase and I did not want them to pay it. 
I had previously agreed to an Autoship in 90 days in the amount of XXXX, with the right to cancel the Autoship. I cancelled the Autoship on XXXX XXXX, 2015. I never agreed to the XXXX XXXX, 2015 charge of XXXXXXXXCitiCards sent me a follow-up letter to which I responded. They asked for a copy of the order. Since I did not order anything, and this was an unauthorized charge, I did not have a copy of any order. They sent me a XXXX letter again asking for a copy of the order. I responded again telling them I did not place this order and did not have a copy of the order. Then they sent me a letter saying they had finished their investigation and I had not supplied what they had asked for so they were recharging my credit card for the XXXX The only thing they asked for was a copy of the order. Since I did not place this order, I do not have a copy of an order to send them. 
I had called the XXXX XXXX that made the fraudulent charge to my card and told them to remove the unauthorized charge. They said a mistake had been made and they had already sent merchandise and to return it unopened and they would issue a credit. I did not accept the package. It was left on my doorstep by the postman. I took the unopened package to the post office and returned it to the sender with a tracking number so I had proof it was returned. When the company did not issue a credit, I filed a complaint against them with the New Jersey Attorney General Consumer Affairs Division because the address was in New Jersey. After I filed the complaint with the New Jersey Attorney General, I tried to call the company but they did not answer their phone.. 
Citi advertises XXXX Liability for unauthorized charges. I did not agree to buy anything and I did not authorize this charge. I have sent CitiCards a notarized letter certifying that this was an unauthorized charge and asked them to remove the charge from my credit card. They have not removed the charge. 
I believe CitiCards has violated the law by trying to make me pay for a fraudulent charge I did not authorize, and because they have not honored their advertised XXXX Liability for unauthorized charges. They have now added late fees and interest to my card. I expect CitiCards to honor their guarantee and remove this charge and fees from my credit card. 
I am attaching copies of our correspondence, a copy of my notarized letter and a copy of my complaint to the XXXX Attorney General against the company that put the unauthorized charge on my credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/2017 I mailed a letter to Equifax stating that an inaccurate item being reported was being reported on my credit report by XXXX XXXX XXXX XXXX. The item shows a balance of {$57.00} and an account status of charge off. I enclosed a photocopy of the validation letter that I sent to XXXX XXXX XXXX XXXX at the address on my credit report ( XXXX XXXX, XXXX, MI XXXX ), it was returned to me by the post office.I demanded that they remove the inaccurate information immediately. i even provided them with a copy of my credit report showing the inaccurate item. I received the results of my investigation from Equifax stating that they the creditor has verified to them that the account is being reported accurately, and informed to me that if I was to have any additional questions to please contact : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX MI XXXX which I informed them I tried to do but I was unsuccessful in my attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Several of their employees has violated the Fair Debt Collection Practices Act and are extremely rude in behavior Specifically, the employee disclosed information concerning my wife 's (  XXXX   XXXX   XXXX  debt to me   XXXX   XXXX   on   XXXX   XXXX   XXXX    . My wife faxed in authorization to speak and represent on her behalf on  XXXX / XXXX /  XXXX   and I placed an outbound call at   XXXX    XXXX    XXXX   XXXX   at which time the representative of central Financial Control spoke to me concerning all accounts sent to their office for  XXXX  party debt collection. There was a settlement discussed on the accounts in question. Disclosing amount of debt, services provided and dates, as well as agreeing to settlement terms. I inquired about credit bureau deletion and was informed that deletion of accounts from credit bureaus is falsifying credit reports which are an inaccurate statement and misleading, further violating the FDCPA.   I returned the call to  XXXX  on  X/XX/XX    and was informed that the authorization letter was not valid per guidelines, therefore violating the FDCPA in the previous conversation. Further to this point the agent  XXXX  was extremely rude and intimidating further violating FDCPA guidelines. It was stated on a recorded line by your representative  XXXX  that your company is in clear violation of the FDCPA statues. I called again on   XXXX      XXXX  and spoke to  XXXX   XXXX  who transferred me to a  XXXX ,  XXXX  and was extremely rude condascedning and said the phrase that " I do not talk to him like that '' also stated " that I will be transferred to a voicemail and " is that what I want '' when I clearly asked for a live supervisor, then he just transferred me with out saying anything. He transferred me to a  XXXX   XXXX  who I left a message with and still I have not received a call back from this company. I then called back on the same day at  XXXX  and spoke to  XXXX  who transferred me to a supervisor  XXXX  and I repeated what the agent said was clearly their internal violations. He did not resolve the issue and then said he could n't discuss because still their was not an authorization again, even though  XXXX  faxed it, he was also rude and condescending. This company has several violations against them filed by numerous consumers as well as an F rating with the   XXXX  , how are they still allowed to operate. They are rude and do not know collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY CREDIT SYSTEMS INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A collector by the name of " XXXX XXXX '' has called my cell phone for the past four days, leaving a voicemail message each time. On the fourth day, he left XXXX voicemail messages.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My loan was in deferment while in graduate school. When I spoke with a Navient representative they told me my new amount with an IDR payment plan when I reapplied would be about {$400.00}. I received an email saying my new amount due is {$560.00}. I received no paperwork/documents on what payment plan I was on and how this amount was calculated. I still have not received any of this information.   On  XXXX   XXXX  at  XXXX    XXXX   MST, I called Navient and spoke with a customer service representative and I asked her which payment plan I had been placed on and why my payment was so high . ( This is more than my Mortgage ) Sh e told me to hold. She came back and said that she did not know how the amount was calculated and that when she ran the numbers the amount should be {$300.00}. She said she would put in a request to have the amount recalculated. I still have no information about the payment plan I have been placed on and they could not provide information to me this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX sued me over a disputed debt that they claim I owe to them via Bank of America , NA. They did let me know about the suit. I responded pro se with and answer and counter-claim. XX/XX/XXXX, they won a summary judgment against me based on my not answering their Requests during discovery. I could n't afford an attorney, could keep up, got lost in the legalese. Based on the Judgement for over XXXX, they are trying to garnishee my wages. While preparing to challenge that, I stumbled across your website and the XX/XX/XXXX Court Stipulation directing XXXX XXXX XXXX how to proceed. In my case, they have violated that agreement. In my case, they are still 1/ Intimidating consumers with deceptive court filings 2/ Introducing faulty or unsubstantiated evidence. In my case, they only had to well-worn photocopies of checks that I 'd written to Bank of American ( Not Bank of America , NA ) There was also nothing to show the chain of title from the purported " original '' debt holder to XXXX for Bank of America , NA. 

The statute of limitations on debt accounts is 4 years and 6 years on written contracts. 

This action was filed against me on XX/XX/XXXX and the order rendered XX/XX/XXXX. Both of these were beyond the 4 or six years after I had severed my relationship with Bank of America. 

I also believe that the attorneys have become " judgment collectors '' and as this is a continuation of their ill-advised and illegal practices. 

I have a hearing in the morning about garnishment of my wages based on this bogus judgment awarded based on procedure and not on evidence. 

I 'm now trying to get the summary judgment set aside ( again as pro-se. Still ca n't afford an attorney ), so that they will be forced to " prove their allegations, '' and to conform to the XX/XX/XXXX Consent Decree signed by Federal Judge XXXX XXXX. 

Any help you can give in this matter would be greatly appreciated.

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 04-04-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (UT).
Issue: Loan servicing, payments, escrow account

Complaint: In the month of XXXX I got paid 3 times. I called and requested the XXXX payment in XXXX stopped so that I was not making XXXX payments that month. When I resumed my {$900.00} payments in XXXX instead of taking out {$900.00} each paycheck kthey took out {$1000.00} for that 2 week period. When I called them they advised me it was set up incorrect and that they wuld correct it. This is exactly what happened last year when I did this. Why ca n't this company get this right?

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 06/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Deposits and withdrawals

Complaint: When I got my job at XXXX 3 weeks ago, I was ecstatic. I had no income for the past 6 months and my girlfriend has been supporting me. I reached out to Citibank and went through the process of getting everything set up. Today, I got my first check and wanted to take my girlfriend out to a simple nice dinner. I Googled to see which was the closest Citibank branch, to only discover that there are more Citibank ATMs here in XXXX XXXX than there are branches. I found one near our home, so after work, my girlfriend picks me up & we both decided to go deposit my check. 

Upon our arrival, we see it 's a XXXX XXXX store ; we were n't sure until we see big CitiBank posters in the window, so I thought it was a legitimate Citibank ATM, located inside of the store. After I deposit the check, the ATM spits out a receipt, showing the Amount Deposited, however the Available Balance is {$10.00}. Floored and not happy, I called customer service department and they say that my account was frozen by The Citibank New Account Department because of a paperwork I did n't provide. No call, no email & no letter in the mail telling me this? And you still send me a debit card, PIN, Checking Account number & Routing Number? 

So, we went home and I I 'M Citibank 's customer service, he refers me to Citiphone ( XXXX ) XXXX. The Customer Service lady explained to me that because I went to another banking institution, that I will not be able to have the rest of my money until the following Friday ( XXXX XXXX ). What other bank institution? The Citibank logo in on the machine. 

I asked her if a partial of the funds can be released ( {$100.00} ) at least to buy food for the week. She could n't and referred me to call a branch in the state of XXXX ( XXXX ) XXXX and maybe they can me. Are you kidding me? 

This is the worse bank experience in my entire 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 08/22/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (GA).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: On XXXX XXXX, XXXX, I applied for an auto loan with Wells Fargo. Knowing how bad their reputation has been in the past for lying to consumers and giving false information, I decided to give them a try anyway. Yesterday, XXXX XXXX, I received a letter with the date XXXX/XXXX/XXXX that CLEARLY states that I was APPROVED in BOLD CAPITAL LETTERS and my loan was still open. It also states Wells Fargo would be happy to service my needs when I decided to move forward with the process. I called in, the first rep XXXX, extremely rude, advised that although he saw my application, it was still " under review ". I asked why did I receive a letter, in which he replied, oh, it must 've been a mistake ... .with my name and address that just so happened to come right when I applied. Ok. The next day, I called to speak with another rep, who then informed me I was declined. I advised him of my letter that clearly states I was approved, and he replied it was a marketing tactic. So Wells Fargo is yet again LYING to gain clientele, having people run their credit multiple times, calling in several times, sending out FALSE AND PREDATORY information yet again. Wow. Have n't you guys learned your lesson yet?

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently pulled my credit report to search for inaccuracies. After searching and finding inaccurate information, I contacted Transunion and spoke to a XXXX REP about my concerns. He stated that the inquiries were deleted and that I will receive an email with my results. I also received a confirmation number. I checked my credit report days later to see those inquiries added back to my credit report which is a violation, because I was n't notified prior to them being added back on. I contacted Transunion and asked that they removed the inquiries that were illegally added back on. These inquiries are adding a hardship to my credit report and my rights were violated. I ask that you make Transunion stop victimizing 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