milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I closed an account with Citibank in XXXX, they did not close the account because it was reopened by a charge. This is legitimate, however I was never informed for 4 months when I finally got a letter stating I had an overdraft of {$110.00}. I called customer service and was told by a manager at the call center that ALL the charges would be reversed and the account would be closed. The following day I do not receive an email confirmation as requested, so I call again to ask another customer representative who tells me that I still have a balance of XXXX. No notes were entered to reverse any charges at all! Nothing was done they basically lied to me about reversing the charges. Finally they reverse some charges and I end up paying a balance of {$59.00} and closing the account. 

{$59.00} is n't a lot of money but it 's just the principle, the fact that a company tells you they will do something then does n't do it, then adds an overdraft charge and makes you pay anyway. I am not interested in Citibank 's response because I know that they will just deny that this ever happened, I just hope that enough people complain about the same thing over and over again that this causes them to be fined by the government. What your customer service team did was unethical and unprofessional you should not have made me pay overdraft charges in the first place since I was n't even aware that the account was open, and you certainly should n't have lied and told me you would reverse all the 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 monetary relief
Consumer complaint received 03-03-2017 about Debt collection (I do not know) with Community Health Investment Company, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX PROFESSIONAL ACCOUNT SERVICES Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL ACCOUNT SERVICES I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Car dealership used many banks to find financing for my daughter without my permission.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Experian credit report company has reported a negative credit report from under XXXX XXXX XXXX, in which does NOT belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Since XX/XX/XXXX, I have not received any of my paper billing statement for my Bank of America Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent Bank of America letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). Bank of America has failed to send me paper statements for the month of XX/XX/XXXXto XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that Bank of America is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXXI contacted Bank of America by phone and Bank of America acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXXand that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per Bank of America, my minimum payment due changed on or aboutXX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent Bank of America a written notice stating that I have not received the statement for the month I mailed out each notice.

-- -- -- -- -- -- -XX/XX/XXXX UPDATE -- -- -- -- -- -- -- -- -- -- -- BANK OF AMERICA FAILED TO RESPOND TO CFPB CASE # XXXX AND # XXXX BANK OF AMERICA HAS FAILED TO INVESTIGATE MY DISPUTE AND FAILED TO CONTACT WITH A RESOLUTION. BANK OF AMERICA STATED THAT THEIR REASON TO NOT RESPOND TO THE CASE WAS BECAUSE OF A SUPPOSED UNAUTHORIZED THIRD PARTY. BANK OF AMERICA USED THIS EXCUSE TO BUY MORE TIME. BANK OF AMERICA DOES NOT HAVE PROOF THAT THEY SENT ME BILLING STATEMENTS. BANK OF AMERICA NEEDS TO CONDUCT A REINVESTIGATION AND PROVIDE ME WITH DESCRIPTION OF THE PROCEDURES USED IN THE REINVESTIGATION WITHIN 15 BUSINESS DAYS OF COMPLETION OF THE REINVESTIGATION. INCLUDED WITH THIS CASE ARE THE SAME DOCUMENTS THAT WERE INCLUDED IN BOTH CASES MENTIONED ABOVE. IN ADDITION TO THIS, I HAVE INCLUDED A COPY OF A LETTER I MAILED OUT TO BANK OF AMERICA ON XX/XX/XXXXAS BANK OF AMERICA HAS FAILED TO RETURN MY CALLS REGARDING 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
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (MI).
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: I contacted Lexis Nexis two months and disputed a Bankruptcy for XXXX Dollars. They never sent me any information nor did they remove the inaccurate reporting. I did another Dispute called and talked to a XXXX who stated that court give them the information. He stated they have court runners, and they also have a third party they go through, but he couldn't give me that information. I told him he was violation my rights without verification he refused to do it. I wrote the court a letter, and they responded. They refuse to send me validation or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I paid my student loan on time and regularly. It was with XXXX. Then it was changed to FedLoan. XXXX had taken on payment on the same day every month. FedLoan took XXXX payments about a week apart the first month. The second month it was XXXX spread out over about two weeks.. The XXXX payments were not proportionate to my loans in any way I could figure. When I asked why? The response was " Yes we did take it in XXXX '' debits. Each of them cost me {$35.00} nsf fee. While not an ideal choice, the XXXX way of debiting my account would have cost me only XXXX OD fee. 
I consolidated my loans, hoping they would be assigned to someone else. They were not. I asked that communications be in writing, they responded to " call them. '' When I wanted to catch back up, they demanded that I pay the full amount to bring them current. 
Maybe I would still be in default if they had not treated me this way, I just know that FedLoan tried as hard as they could to make sure I could n't pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bull City Financial Solutions, Inc (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: an unpaid utility bill that I can not pay ( {$310.00} ). renters in my home left this unpaid. I am XXXX and can not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In late XX/XX/XXXX/early XX/XX/XXXXI logged into my Verve credit card account online and saw 8+ fraudulent charges to my account. I immediately called and because it was weekend was forced to go through an automated system to report the card stolen. The next business day I called in again and explained the fraudulent charges to a representative. She promised the situation would be taken care of within 10 business days and refused to give any additional information telling me that they'd " be in touch ''. It is now almost 3 weeks later and I've heard nothing from the company other than a robo-call notifying me my credit card payment was late! I just called back in and explained the situation to a customer service rep who stated there was nothing in my file concerning this fraud case and that they could do nothing for me. The rep did state he was reversing the late fee on my account, however, he didn't see any information indicating fraudulent charges on my account. After speaking to this representative for upwards of an hour they still could not confirm all the charges were reversed and the late fee is still showing up on my account. This company is CHARGING me for other 's fraudulent behavior and I'm not going to pay for this. They've offered no support and now want me to pay for 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 explanation
Consumer complaint received 07/14/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NY).
Issue: Fraud or scam

Complaint: COINBASE. company name trades XXXX. Transfer {$250.00} FROM MY CREDIT CARD to trade XXXX. Transferring to them and trade coins has no problem. But you ca n't take money back from them. Its blocked in all possible way. No customer support Im trying to reach for 2 weeks. No reply. Cant take my money back. They made process hard to get out. Verifying my wire bank is a one of them. I do n't understand how can I verify my wire bank? They do n't explain. They simply not answering. they have all wire info from my ( chase ) bank. Nothing more you need to accomplish this task. Looking at the complains online I found similar problems with lots of people, and Im wondering how in the world they still there scamming people? Please take some steps to investigate this fraud. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Balance transfer

Complaint: I called Wells Fargo to inquire if I could reduce my current personal credit card rate. I was told by the agent that " they would transfer money into my personal checking account at 4.9 %, plus a fee '' When I asked for clarification, he had no clue what he was talking about. I KNOW what he was talking about - a Balance Transfer with a fee. He could not explain it, provide disclosures, provide details, etc. I immediately asked for his supervisor. " XXXX '' got on the line after XXXX min to tell me that " I was not understanding his associates words ''. HA. I totally understood ; his phone rep did not. I have worked in the credit card industry. It was misleading, uninformed, bogus, totally outside of standard practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was living in a rental appartment complex. And when i moved i was not aware of the bogus charges thats on my credit report.They did not give me any paper work nor did i sign anything at the time to agree to these charges.And i'am also aware of this has happen to several residents that lived there after they moved out.

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 07/17/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please accept this as a formal complaint against Equifax Credit Reporting. 
I am writing to dispute the following information in my credit file. I have circled the items I dispute on the attached copy of the report I received. 
This item XXXX Mortgage # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, a HELOC loan established XX/XX/XXXX with a balance of {$100000.00} shows as 'status : pays as agreed - activity description : transfer/sold ' is erroneous because the house that I owned was short sold back in XX/XX/XXXX. The account should show a 'closed status ' since I longer own the property located at XXXX XXXX XXXX XXXX , XXXX XXXX ( APN # XXXX ). 

Background info : Shortly after acquiring the property in XXXX in XX/XX/XXXX, approximately XXXX month later, XXXX XXXX sold the servicing rights to XXXX Mortgage ( which is what shows in my credit file ). The servicing rights were sold again to XXXX in or around XXXX ( is not reflected in my credit file ). XXXX filed for bankruptcy and the remaining assets were acquired by XXXX in or around XXXX including my loan, account number # XXXX. XXXX is reporting in my credit file as the loan remains outstanding. 

I am requesting that the item be either removed or corrected to reflect the account has been closed or settled to correct the information. This error is adversely affecting my FICO. 

Enclosed are copies of the all legal and recorded documentation indicating that as of XX/XX/XXXX I am no longer responsible for this property : Copy of The Substitute of Trustee & Deed of Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Copy of The Full Reconveyance filed XX/XX/XXXX with the County of XXXX XXXX by XXXX XXXX XXXX Mortgage ( XXXX ) Outgoing wire sent by XXXX XXXX Title Company to XXXX for the short sale pay off dated XX/XX/XXXX Escrow settlement statement Short sale approval letters by both XXXX and XXXXPlease investigate this matter and correct the disputed items referenced above as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I TRY TO PULL MY CREDIT REPORT FROM EXPERIAN, BUT I FAILED ON ONE OF ID QUESTION, THAN THE COMPANY SAID I HAD PULLED, THAT IS NOT TRUE, I JUST GOT FROM XXXX. 
I NEED THIS 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 non-monetary relief
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with VW Credit (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I bought another  VW  in  XXXX  anticipating the  XXXX   (  diesel fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called VW and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to VW in  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Debt collection (I do not know) with The Hamilton Law Association (LA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The Hamilton Law Association, P.A. in Florida has on several occasions called me attempting to collect a debt I do not owe. They are looking for a woman I do not know ( I am a XXXX ). I 've told them they have a wrong number and asked them twice on the phone to stop calling me. I also just sent them an online request to cease calling me. 

Their latest call was today XXXX XXXX/XXXX/XXXX XXXX, but I recognized the number ( XXXX ) and ignored it.

Company response to consumer: Untimely response
Consumer complaint received 03-07-2017 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (TX).
Issue: Problems when you are unable to pay

Complaint: In XX/XX/XXXX we had a family emergency that resulted in a death in the family a few months later. In XX/XX/XXXX we missed a vehicle loan payment. From XXXX on we made full payments and were not aware of the missed XXXX payment. In the entire time we have been with PNC bank we have had little to no contact with the bank. When we lived in a state that had PNC we made monthly payments directly to the bank, and after we moved we were given a checkfree site to make payments that did not give any information about the loan. In our history that began in XXXX we have made full payments every month since the origin of the loan. On XX/XX/XXXX the vehicle was repossessed. After we talk to the bank trying to figure out what went wrong, we are informed about the XX/XX/XXXX payment and that our mailing address is not current. We changed our mailing address at that time. Upon learning of the repossession we immediately paid all the fees to make the account current. Mind you the repossession fees were more than the missing payment. It was never that we were avoiding the payment, it was that we were unaware that it had been missed. The bank informs us that letters were sent out to our old address and returned due to a bad address. Why would assume that there are issues if we have received letters from the bank in the past, at our current address, most recently XX/XX/XXXX offering other services, if there was a problem with our account. Our vehicle was repossessed over one payment from XXXX, we understand and would have gladly made things right had we known. This was n't an issue until now, and they claimed that they could n't reach us and did n't have our current address. A company was hired to locate the vehicle but no more effort was made to contact us, and the vehicle was repossessed. We were able to get the vehicle back that next day by making the missed payment, paying the associated fees to the bank and fees totaling {$520.00} to the various recovery/towing business. 
Since we have been in contact with PNC Bank trying to resolve the issue we have talked to a total of 5 different associates, seemingly having to start at the beginning with each of them. From what we are told our case has been elevated to the executive escalation department from the retail escalation department. But there is still no resolution being offered.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My PII was stolen and lost due to monumental incompetence and negligence by XXXX. Executives sold their stocks before letting us know, how is that not insider trading? They 're also charging people to take measures to fix THEIR mistake, and now TransUnion is intentionally complicating the freezing process by putting their worthless ID protection in our face and deterring people from freezing. No corporate entity should be allowed to have this much control over this much sensitive information, and all of these execs that knew this was coming need to be locked up.

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