milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt collector called me regarding an XXXX XXXX XXXX delinquent account. I explained that the account was not mine and that someone had apparently opened an account in my name ( The account was from a state I previously lived in ). The collector pressed me two times to make a payment on the account even after I had explained someone, other than me, had opened the account. He asked if I was claiming it was fraudulent, and I replied, " Yes. '' However, he continued to ask me to make a payment in order to settle the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Debt collection (Credit card debt) with First National Collection Bureau, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt has been disputed -- This debt has not been verified with any original documentation from the original creditor. Moreover, even if the same had been provided- the statute of limitations has passed for any debt collection or legal action. Thy are trying to deceive people into thinking they owe a debt- and scare them into thinking they owe this debt and trick people into making a new contract for debt payment so that they can restart the statute of limitations.. Part of their letter states the same -- but a part of it was torn in transit, and i can not read it. That is why the uploaded document looks like it does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Credit card debt) with Guglielmo and Associates (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The company i work for which is  XXXX  garnish my wages for a company called Guglielmo and Associates. I was a victim of identity theft, however since i knew who stole my identity i decided not to fight the judgement and pay the creditor. However, according to my pay statement I paid the creditor in full for the amount of  XXXX  in the month of  XXXX . However, as of  XXXX  the company i work for began garnishing me for the same debt again which is supposed to be paid already.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Ive Been trying to resolve the multiple duplicate negative student loan accounts on my credit report. The credit bureaus are neglecting to verify my account properly. If they can not verify or determine which ones are duplicate or original. I am requesting that all be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Professional Debt to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: SYNCB/WAL-MART XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The issuing bank reduced my credit line without notifying me of said reduction in credit line from {$500.00} to {$260.00} thus negatively impacting my credit score by raising the ratio of used credit to available credit through the reduction of available credit. This also put me over the credit limit and appears to be on the verge of over credit limit fees being applied. The notice was supposedly generated on XX/XX/XXXX and mailed. When called the company said the only option was a request to increase credit limit which was processed and denied and also will put another credit inquiry on my credit report. This was all discussed via telephone on Friday XX/XX/XXXX.

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 12-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: A {$50.00} charge on XXXX/XXXX/2017 was made on my Citibank credit card that I did not make. I filled a dispute with Citibank. After Citibank " investigated, '' Citibank closed their investigation and charged me again. 

The documentation provided to Citibank from the merchant clearly shows a person with a different name made the purchase and mailed the item to a state 500 miles from my home.

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 04-01-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, XXXXVIA CERTIFIED MAILCitiMortgage, Inc. 
XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXXCitibank, N.A. 
c/o CitiMortgage , Inc . 
XXXX XXXX XXXX XXXX, SD XXXXXXXXCitigroup Mortgage Loan Trust Inc. 
XXXX XXXX XXXX, XXXX, New York XXXXCitigroup Global Markets Realty Corp. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX MI XXXXXXXX, Trustee for Citigroup Mortgage Loan Trust , Inc. 
XXXX, MA XXXXATTENTION : XXXX : CitiMortgage , Inc., Loan # XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXFIRST NOTICE AND DEMAND TO CEASE AND DESIST ; NOTICE OF RESCISSIONTo Whom It May Concern : I reserve all my rights regarding this matter and hereby rescind the above referenced alleged " loan ''. 
This letter is to demand that all of the above addressed entities Cease and Desist all foreclosure proceedings against the referenced property. I have previously requested documentation that any of the above listed respondents have standing to non-judicially foreclose this Note and Deed of Trust and proof that I owe anything to any of these entities. 
I paid monthly payments on this alleged " loan '' for 5 years ( XX/XX/XXXX to XX/XX/XXXX ) including PMI insurance because I was led to believe that I received a loan. Now, I believe there is a large scale scheme to defraud me, who in good faith signed alleged " loan documents '', without, inter alia, disclosure of the intent by the above listed entities to securitize the Note, thereby allowing many if not all of the above entities to more than XXXX the amount stated on the Note, and demanding monthly payments from me, the misled " borrower. " I am therefore demanding the following:1. Cancellation of the posted Trustee Sale ( noted above ) ; 2. An accounting of all charges and fees associated with the figures quoted in the Notice of Default and Notice of Sale ; 3. Proof that any of the above referenced entities has the right to non-judicially foreclose on behalf of a legitimate loan holder as established by CHBR XXXX ( XXXX ) ; and4. Proof that I actually owe any money to CitiMortgage, Inc. or any other entity. 
Govern yourselves accordingly. 
Sincerely, CC : Consumer Financial Protection BureauXXXXXXXX, Iowa XXXXVia Fax : XXXXXXXXOffice of the Comptroller of CurrencyOCC Customer Assistance GroupXXXXXXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Credit card) with Hunt & Henriques (CA).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Dear CFPB-I was served court documents by the above named Law Firm dated XXXX XXXX 2015. After following through filing and answering back to this Law Firm with proper legal documents. We have received more legal/letter documents dated XXXX XXXX. 2015, upon reading and reviewing all the documents, the Law Firm has erroneously and falsely indicated in these forms that I had acknowledge having legal counsel concerning my rights and stipulation concerning these forms. Also from previous phone conversations on XXXX XXXX. 2015, we had requested XXXX ( Law Firm Representative ) to please contact XXXX that we are willing to settle the debt for half the amount if possible. We feel that she never attempted to contacted the Bank, other then admitting that the debt was reviewed and that our request is denied. I also feel that my rights as a consumer are being violated by this Law Firm forcefully wanting me sign their forms/documents. Please advise me of proper legal proceeding with this Law Firm. Thank you kindly for your assistance. 

Respectfully-XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2015 Nationstar Mortgage LLC who is servicing the loan on my home in California notified me that my flood insurance, which was for more than the amount owed on my home was insufficient. I was required to obtain flood insurance for the replacement cost of my home at a cost of over 133 % of the original premium. Nationstar threatened to place forced insurance on my home if I did not insure it for more than 3 times the amount I owe on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX I attempted to call XXXX ( XXXX ) XXXX-XXXX and recording said this number was no longer in service or disconnected. The address is XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX is the date the inquiry was made. 


XXXX XXXX XXXX

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 09-09-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: 2. I was the primary cardholder of a Citi Diamond Preferred Card ending in XXXX ( hereinafter the card ). 
3. The only other user of the card is my son XXXX who had a card bearing his name with the identical card number. 
4. In late XX/XX/XXXX and early XX/XX/XXXX, I received a bill from Citi Cards for charges placed on the card which were not made by me or by anyone I authorized. 
5. I reviewed these unauthorized charges with my son XXXX XXXX and he informed me that he did not charge the items nor did he give anyone permission to charge those items. ( See attached affidavit of XXXX XXXX ) 6. The charges totaled thousands of dollars and were at stores I never shopped at and in neighborhoods I did not frequent. 
7. I called Citi Card on several occasions to dispute the aforementioned unauthorized charges.
8. I spoke to Citi representatives on several occasions, each time indicating to them which charges I disputed.
9. Never during the period in question did any representative of Citi Card call me to ask me about potentially fraudulent charges to my account that appeared on their face to be of a suspicious nature.
10. The charges I disputed are attached hereto under the heading Billing Disputes and highlighted in pink.
11. In spite of the claim on my Citi Card bill that the items listed under Billing Disputes have been Resolved, Citi Card continues to bill me on a monthly basis for these unauthorized charges.
12. Furthermore, upon information and belief, Citi Card caused collection agents to send collection letters to my home address for charges that I do not owe after I told Citi Card on several occasions that I do not owe these charges.
13. Upon information and belief, Citi Cards persistence in collecting a debt not owed by continuing to send me bills I do not owe and in causing collection agencies to send harassing letters to my home violates the federal Fair Debt Collection Practices Act ( see 15 U.S.C, 1692 ) and New Yorks Fair Debt Collection Practices Act Section 600.

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 Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problems caused by my funds being low

Complaint: Within the past few months TD Bank implemented a new way of applying transactions to personal accounts. If there is a pending charge ( s ) on the current day that would overdraw your account, and funds are transferred on the current day from another TD Bank linked account you are still accessed a {$35.00} overdraft fee per transaction. There is an option to take automatically have money from a savings account transferred to cover, but you are still accessed a $ XXXX fee. These fees are robbery and need to be addressed. XXXX oversight in record keeping can cost {$100.00} - $ 300 month just to catch back up. 
People in lower income brackets can not afford this it is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is falsely reporting XXXX dismissed bankruptcies and a XXXX. Disputed with bureau all items came back verified. Contacted the court and the told me they never verify to any 3rd party lenders. Nobody has called or wrote to there office. XXXX was disputed by Experian came back verified, contacted XXXX Directly and was told that they do n't even have all the documents from the very beginning of the credit card. So I 'm very interested in how they report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fraud or scam

Complaint: purchased tickets from individual through XXXX  for a sporting event. contacted individual through text message which I have everything saved including screenshot of XXXX post. used XXXX from my bank of America app to send {$120.00} to individual. after sending money I never heard anything back from individual and never received my tickets. I contacted bank of America and they could not do anything but submit a ticket and stated there was not much that could be done. i had alot of questions but they were not answered by bank of America. I trusted that if i was sending money through XXXX  which is on my bank of America app i would be protected from something like this happening but as i already see there is not much help for me at all. I also made a police report for the incident.

bank of America case # XXXX police report reference # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently disputed a bankruptcy reporting on my credit report inaccurately, And it came back as verified, I have contacted bankruptcy dept and they then informed me that they never verified anything and that info came from 3rd party verification which only verify address name and last four of ssn ... Which is not me and is a family member with the same name is me who has previously committed fruad under my name I would like this to be removed from my credit file or this to be sent up to a executive manager to be reviewed cause bankruptcy info is inaccurate and dont belong to me and need to deleted, Thanks wrong person

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 10/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone fraudulently opened a credit card in my name and ordered an XXXX laptop. They had it sent to my house. I contacted XXXX right away and they said they would send me a return slip which they did and I used it and returned the laptop. The email and return slip looked legit but apparently they were n't and I sent the laptop to the perpetrator and XXXX never received it back. I sent proof of all this, which I will attach, to the credit card company ( BarClays ) but they are saying I benefitted from this and will not take it off my credit report. This is negatively affecting my credit. And I have not received one letter from them stating why they think I benefitted. I spoke to them on the phone and they said it was because XXXX did not receive the laptop back. If you can help me it would be much 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 08-02-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Application, originator, mortgage broker

Complaint: This is an update on the original complaint cas number XXXX Received a letter on XXXX XXXX. From Bank of America dated XXXX/XXXX/2015 that my mortgage refinance has been denied due to insufficient property value. Now I was under the assumption that they B of A were reviewing my complaint of my appraisal not being done in a professional manner and that my request for a refund of the appraisal was still under review.. What this letter is telling me is they have no intention of reviewing or refunding my money as the appraisal is so way off base and it would not benifeit them from refinancing my loan. I see this as an unfair and devious practice when they initiated the loan via when they sent me a letter stating I may be elidgable for a lower Interest rate. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: XXXX XXXX XXXX XXXX is reporting accounts in the amount of {$6300.00} {$10000.00} and XXXX XXXX {$440.00} which is fraudulent accounts and I have been filing disputes when I first learned of this information in 2013 from then to now present I involved XXXX XXXX to assist me nothings changed also I have hard inquiries that I have never applied for such applications please direct me to resolve these issues thank you also due to these data breaches with XXXX and XXXX I have been overwhelmed with 100 's of calls scams and false emails I have been attacked constantly my Identity has been stolen for some time now and I was n't notified by either company Im receiving false reports on my credit report and has reports of fraud on my bank account from XXXX which is now closed please assist me in getting these issues resolved Thank you XXXX XXXX all documents are reported on my credit report other than emails that are scams

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: Open Date  :  XXXX /2016 {$3600.00}  Open Date  :  XXXX  2016  {$860.00} I was told that each contract was cancelled and after months it was not removed.

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 12/28/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (PA).
Issue: Making/receiving payments, sending money

Complaint: Our insurance company issued a check for collision repairs to our vehicle. The check was written in my husbands name & our finance companies name since the amount was over {$5000.00}. This check was not signed by mys husband and the finance company cashed the check anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I consolidated my student loans thru Discover and they are charging me 9.950 % interest. I have asked them to refinance but they refuse I am at the point I am going to default on this loan

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Closing on a mortgage

Complaint: OnXX/XX/XXXXI received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me onXX/XX/XXXX Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXXBank of America received payment Of XXXX to close the loan. It has 148 days and counting And still I can not prove I own the home I live in.

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