milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VI).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: My request via telephone to Citi Cards was for a replacement card due to wear and tear. 

After three separate calls ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I never receiving my replacement card - a representative on XX/XX/XXXX cancelled my account without my knowledge in order to send me a card. 

I was very uncomfortable with the way the phone agent handled the call and I called back to get the tracking number for the expedited replacement card. While going through the prompts, and entering my card number the recording replied " you entered your old card number ''. This was unexpected, however due to other commitments, I decided to call back the next day XX/XX/XXXX. 

Around XXXX I visited a retail establishment, the card was declined twice for {$12.00}. Immediately, I called XXXX XXXX - the representative relayed " your account was closed and new cards were issued ''. This upset me as I have several fiscal matters of my XXXX member family tied to this card. 

After speaking with 6 phone agents on today, I had to push for compensation or miles to get some satisfaction. The 3rd agent offered XXXX miles - which was not fair in my opinion since they did not offer anything for their gross error. The second offer was XXXX miles. I was annoyed because he said XXXX miles at first but changed his statement. I can't go anywhere on XXXX miles and told him, if XXXX XXXX makes an error with my seating or other inconvenience XXXX miles is the lowest I have received. 

The last rep by the name of XXXX was a stone wall robotic figure who did seem to care about both a husband and a wife on the phone asking for our Annual fee on the card to be compensated or XXXX miles. He stood by XXXX and did not care less of all of the undoing and manual contacts my husband and I have to make to remove the old card number and add the new one. 

XXXX, XXXX and XXXX offered to make an internal complaint of XXXX the culprit who made the error on XX/XX/XXXX and XXXX the Supervisor who blatantly lied to me about getting the card send XXXX this morning around XXXX. 

The same error escalated into a calamity which Citi Cards will not own. 
I want XXXX miles and compensation of the annual fee. This is the least Citi Cards can do for all of the trouble XXXX caused by misrepresenting me when he checked off the boxes that he advised me my account would be closed when he did NOT. 

XXXX XXXX needs to make this error right without delay.

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 03/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from PINNACLE LLC. I had previously disputed this account. I have never done business with PINNACLE LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PINNACLE LLC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINNACLE LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: experian has not investigated my claim referencing the investigation in to  XXXX    XXXX    allegation of my account being deliquent!

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 10/30/2017 about Credit card or prepaid card (Payroll card) with First Data Corporation (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I have an XXXX XXXX XXXX with XXXX XXXX. I have tried to access my funds and use my card to make purchases which resulted in it getting declined every time. I have no access to my funds and have tried to access the app that I use daily and it does n't work, I have also tried calling customer service and have not been able to get through in reaching someone to resolve the issue. It is very frustrating knowing I have money in my account that I need and do n't have any access to not knowing why. Please resolve this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written several letters to XXXX, XXXX and TransUnion about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.

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 03-02-2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease

Complaint: After numerous reports to the CFPB that I have made regarding this same issue, Ally Financial continues to harass members of my family via telephone calls. They have never been given any authorization to contact my family members ( this time it is my sister ) what so ever. I do not understand why they will continuously do this despite being told not to as well as being reported to the CFPB numerous times.

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 06/25/2017 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: There 's an old, unsecured line of credit I took out with XXXX XXXX XXXX / XXXX back in 2005. The original amount was {$7500.00} and I made payments periodically - but not always on time due to difficult financial circumstances. In total, I probably made {$2000.00} in payments over time. But, I 've been un / underemployed for most of the last 13 years and have struggled to simply make ends meet - much less make progress towards old debts. I have never filed for bankruptcy, nor do I intend to. <P/>That debt was written off by XXXX / XXXX and the right to collect the debt was purchased for pennies on the dollar by Atlantic Credit & Finance. Atlantic Credit & Finance is somehow partnered up with a law firm called XXXX XXXX out of XXXX, FL. <P/>They sought a legal judgment against me without properly without giving me proper notice and secured said judgment and had a lien imposed on my personal checking account. Now, any money that goes into that account will be garnished. I never had a hearing or opportunity to tell my side of the story to a judge or magistrate - although I am in the process of filing for such a hearing. <P/>The judgment and the lien are for over {$9000.00} - although I know they bought the debt for only a fraction of the original {$7500.00} debt. This is wrong!! The interest / charges are criminal given the fact they bought the debt for pennies on the dollar.

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 01-02-2016 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Credit line increase/decrease

Complaint: PayPal signed me up for a {$5000.00} credit line as I was simply trying to check out and pay directly. I attempted to call and have the credit card reversed and pay with my existing credit card from another bank. PayPal mentioned I could payoff the line and close it, then file a complaint, but they could not remove the opening and closing of my line off of my credit report. Now, this is listed and causes a downgrade on my credit reporting score. The fields I out to close and pay for services are deceptively placed so by the timeline pays for a service, they do n't realize they have just signed up for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Information on Equifax credit report shows a collection which is not mine. It shows only I have disputed amount ... did not dispute that. Account is not mine to begin with. It shows that I owe a bill from XXXX XXXX that goes back to XXXX. At that time I lived at XXXX XXXX XXXX XXXX XXXX. I ca n't even get service in this area from XXXX XXXX. This is not my account or bill. It should not even show up on my report as a collection. Either it is a mistake or my name was used fraudulentlyXXXX and Equifax {$4800.00} account reported on XXXX XXXX, XXXX Open with XXXX going back to XXXX. 
{$480.00} XXXX XXXX XXXX XXXX Creditoropened with XXXX Collections XXXX XXXX, XXXXPlaced for collectionI have been at XXXX XXXX XXXX XXXX XXXX since XXXX. I haveXXXX XXXX ONLY at this address no other cable. 
Obviously this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the Equifax in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX 's XXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/2018 and spoke to the rep by the name of XXXX Id # XXXX XXXX ). I contacted her because I was concerned with this item that listed on my Equifax report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the XXXX XXXXXXXX XXXX for assistance

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Medical debt) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX I filed a complaint with you about 2 charges that showed up in my credit report from the Collection Bureau of Fort Walton Beach. One is for XXXX XXXX XXXX ( I have n't used this place in at keast 10 years ) and the other is XXXX XXXX XXXX ( I do n't even know who this is ). I believe you assigned one of the accounts XXXX, but I ca n't get back to the page at this moment to get the other number. In their response they said they would send me something verifying and proving that these charges are valid and are indeed mine, but as of this date, XXXX XXXX, XXXX, I have not received anything from the Collection Bureau of Fort Walton Beach. I provided feedback to the extent that I was hopeful they would send me the requested info as they said they would, but I should n't have sent feedback so soon. If they ca n't provide me with the verification, these charges need to be removed from all of my credit reports. I am not going to pay a charge that ca n't be proved to be mine.

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 10-07-2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I received my annual escrow statement from Carrington Mortgage Services who took it over from XXXX in XXXX XXXX. It shows two shortages, one for increase in taxes and the other to meet the minimum required balance. There is an escrow payment missing in their analysis that creates the short fall, another error that I can not identify and they have also created a shortage by projecting a winter tax payout due on XXXX XXXX being made in XXXX of the previous year. I called and was disconnected three times. I finally spoke to someone who did not understand the schedule and could not explain the shortage to me. She ended up telling me I needed to file a complaint with their complaint department. I have sent three emails with no response and just tried to fax them and their fax machine is not answering. My discussion with their representative was horrible. She originally told me the property taxes are paid 2 months in advance because it takes XXXX township that long to process payments. I spoke with XXXX XXXX and they post in 24 hours. In addition, the summer taxes due in XXXX are paid in XXXX or XXXX. This has been a horrible experience and I do not know what to do. My mortgage payment have increased by {$620.00} per year of which only {$250.00} is related to actual cost increases. The remainder is due to them missing an escrow payment in XXXX XXXX. They are also projecting the payment of property taxes two months early before the escrow has replenished ( summer taxes paid in XXXX, winter in XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Capital one does not have a valid enforceable contract. I timely reported the vehicle to be repossessed when XXXX XXXX XXXX defaulted on payment. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I dispute the debt many time and requested validation. I requested the item be removed from my credit. Capital One failed to conduct an investigation and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under XXXX U.S.C. XXXX ( b ) ( l ) ( A ) through XXXX U.S.C. XXXX ( b ) ( l ) ( XXXX ). XXXX. With the failure to request removal of the Capital One trade line, and the failure to request the tradeline be marked as XXXX in dispute, my XXXX XXXX, a benchmark for near all facets of life in today 's society, was artificially deflated. Capital One 's actions were negligent and willful and wonton.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: NAVIENT ABUSE : I AM A COSIGNER FOR A NAVIENT LOAN, THE ORGINATOR IS SEVERAL PAYMENTS BEHIND, SHE LOST HER JOB. NAVIENT IS ABUSING ME WITH CONSTANT PHONE CALLS 5 TIMES A DAY 6-7 TIMES A WEEK FROM XXXX TO XXXX ON MY HOME PHONE. THEY ARE ALSO USING ABUSIVE LANGUAGE AND WHEN I ASK THEM TO STOP OR BACK OFF THEY SAY THEY CAN CALL UP TO 8 TIMES A DAY, THERE IS NO LIMIT. I HAVE TOLD THEM SEVERAL TIMES OVER THE LAST WEEK THERE IS NO SET NUMBER BUT THE NUMBER & VOLUME OF CALLS IS ABUSIVE. THEY REFUSE TO STOP. ABUSING ME

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: My wife and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with chase who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with chase will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and 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 02/27/2016 about Credit reporting () with Credit Karma, Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I tried to check my credit score and it says my name and social security number does not match

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: At the time Equifax had discovered they 'd been hacked on XXXX XXXX, XXXX, they allowed my personal information to be taken and several months had already gone by. I have put a 90 day watch on my accounts with all three credit reporting agencies. I now have to monitor my credit reports and accounts on a weekly bases. 
I have been in contact with Equifax and I have a conformation number witch helps them monitor my account, so they say. I now have to sit and wait to see what happens? It 's now going to be a pain just to open a new credit card or any thing else. I 'm sure it 's just a matter of time before my accounts start getting hit

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Having issues with repayment for years, I called XX/XX/XXXX to put my account into forebearance and set up " auto payments '' for 15 months. I accrued late fees on my account, because it was not made clear that changing the due date was passed to actual due date, which ultimately made my account " in the red zone '' ... .for months! Seven months later, I had " auto debit '' coming from a different account, which is different than auto payments, which again was not made clear. Making double payments for 2 months, I accrued late fee charges through my banks, because I did not know how to stop this from happening. I called XX/XX/XXXX to have the " auto debit '' cancelled and to continue with the " auto payments '' that I had originally set up back in XX/XX/XXXX, for a specific date. Now it 's XX/XX/XXXX. I just got off the phone with Navient. I talked to people in customer service and collections. I talked about my account still being debited for payments, accruing late fees with my personal bank. I was furious with them. They try to transfer me to different departments " trying '' to figure out my account, late fees, and double payments. Ultimately, I am so discouraged, I do not trust that they will take the correct amount from my account on the said date. I owe a large sum of money, work full time, live with my parents to save money, and still can not make payments. They do no explain what they are doing, until I am screaming at them through the phone, making myself so upset I am literally XXXX. Customer service does not/ can not see what collections does and vice versa. I am making a formal complaint because they assume the borrowers know exactly what is happening with their accounts and money. They do not explain anything and will tell you whatever you want to hear. I do not trust this company. I wish there was a way out, for my own personal sanity and not be financially burdened by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CAPITAL ONE IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have dispued this before. This is not mine I have asked for proof of how this phone account happened. No one can prove where I have signed for this no ID for this or anything. Also this was to have been in 2009 so should it not be removed anyway?

Company response to consumer: Closed with explanation