milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2017 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Account opening, closing, or management

Complaint: On today, Friday, XX/XX/2017. I went into the 5/3 bank to open myself a bank account. I bought in my two paychecks. At first I was told by the representative that I could not cash the checks because the signature from the XXXX, my boss, looked different. So, I called the XXXX. Then, I was told by your representative that because I called from my cellular phone it could not be used as a verification. So, I had them talk directly to the XXXX from the bank phone. 
I was simply just trying to open a basic account. I am now working a very good job. I need a bank account. My son XXXX need direct deposit. I need a bank account. I am thinking, wow, finally my life is coming together. But, then, not only did your mean, disrespectful, harassing, and bullying representative hold one of MY checks and refuse to return it, but said that I would be opening two accounts that would incur ME fees. And, when I refused and said I simply wanted a basic account, I was told that it was too late because the paper work was already done and I was n't getting my check back. I could have ranted and raved, but in public, that would have been distasteful, and I was n't going to take a chance on being escorted out by security. This person had both MY checks. I decided to contact 5/3 corporate, because I want this matter solved. I have decided that I want to change banks. After this incident, I do n't think 5/3 is for me. I would like all my money back. Also, if there is a problem handling this matter then my Attorney will contact you. I am outraged. I am really outraged, but I am also trying to hold my disposition. Let 's try to resolve this matter as quietly and as quickly as possible. Please contact me at the email or number noted above. Also, as far as the representative is concerned I am hoping that some sort of discipline would suffice. I refuse to allow my sons XXXX to be handled by your bank. He would probably never receive his XXXX waiting on the HIS funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with CONRAD CREDIT CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CONRAD CREDIT CORP XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 
(XXXX) XXXX
Placed for collection: XX/XX/XXXX Responsibility: Individual Account Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY Balance: $XXXX Date Updated: XX/XX/XXXX Last Payment Made: XX/XX/XXXX Original Amount: $XXXX Original Creditor: XXXX XXXX XXXX (Personal Services) Past Due: >$XXXX< Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

This account was reported on my credit report as a debt that I owe, I disputed this item on XX/XX/XXXX with XXXX. A direct dispute with the company on XX/XX/XXXX and a Validation letter on XX/XX/XXXX. The company responded to my dispute with XXXX with documents that are incomplete and not within the requirement of account level documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. I disputed this information with Experian on XX/XX/XXXX, the Credit Bureau says the information is accurate has not updated this information and per the new law the Bankruptcy listed does not include this information and should be deleted from my credit report. I have attached two documents with the new laws.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective   XXXX   XXXX  , 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (I do not know) with Grant & Weber (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a complaint from XXXX against Grant and Weber for Grant and Weber 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Grant and Weber has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

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 06-06-2017 about Debt collection (Other debt) with Perfection Collection (VA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This company has placed a collections on my credit although I have no contract with them. This company has called me several times leaving a message saying that someone will be at my home within the hour to deliver legal papers for my arrest. They end the message with " You 've been warned ''. The agents at this company use scare tactics when you return their call. They say your case is so severe I have to transfer you to our legal department. This company has called my daughter 's phone threatening to arrest me which was very traumatic for my child.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I only found out about Equifax 's hack from news sources and checking their site I see I was one of the affected with no one reaching out to let me know, even though the breach occurred weeks ago. The website then automatically enrolled me in their one year identity theft protection services without my consent at all! This identity theft service is incidentally owned by Equifax and as of XXXX XXXX their TOS includes a clause not allowing you to use a class-action lawsuit. My information was already stolen without anyone informing me and now I have been auto-enrolled in a service I do not want with a clause I do not agree to as I fully intend to legally engage Equifax over this. This whole situation has been handled terribly and the company has not attempted any legitimate recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NV).
Issue: Using a debit or ATM card

Complaint: This is the letter I sent to Senator XXXX and XXXX Senator XXXX, thank you for investigating Wells Fargo. My issue is that in 2007, Wells Fargo issued a debit card in my name and sent it to a address did not reside at anymore. I retired XX/XX/2007 from the CID IRS. I was not living in the state when they sent this unauthorized card. I had moved to a house I purchased in XXXX. During this time frame I wanted to refinance my house in XXXX in order to get a better rate. I was denied and told that I owed Wells Fargo money I had not paid back. I contacted Wells Fargo and gave them my new address and phone number. I instructed them as to how to find out who used this card and sent an affidavit stating I had never ask for or received this card. They then started to call and threaten me to the tune of over 600 calls. This lasted for over 2 years. They then sold this debt to a collection agency in XXXX and it started all over again. I could not get refinancing for my house in XXXX and XXXX. I ended up losing both. I then had to use my 401 money I was saving for old age income and ended up having to pay penalty and additional tax rates of over {$48000.00} I would not have had to incur. Since the government has fined them, how can I apply for some of this fine for the actions they took against me and the fact that they destroyed my credit during this entire time frame. I have just now gotten a credit score that allows me to finance my current home. I would appreciate you help in this matter as I have contacted our state senator with no help. Can I fill out forms to receive some of the money back that I incurred for relating to all of this illegal activity and the ruining of my credit. The credit agencies would not help at all. Please continue to get the big brass removed or prosecuted. Thank you for all that you have been doing.

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 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Bank of America closed two credit cards without any prior communication to me. I only found this out on XX/XX/2017 when I logged into my account from online. This has caused considerable inconvenience to me as it limits my access to credit. It also caused sizable financial damage to me as reward points/cash rewards worth over {$1000.00} were taken away. The two credit card accounts had been in good standing. I had not missed any payment and always paid the statement balance in full. I had also used these cards for purchase several times in the last 6 months. One of the cards was Merrill Plus VISA signature card. I had XXXX unused reward points on this account before the involuntary closure. I had earned them legitimately by making purchase of goods but now these reward points are gone. These reward points have redemption value of $ 530- {$1000.00} according to the popular credit educational site, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ). I had already planned to redeem these reward points for my overseas XXXX trip plan this year but now I may have to cancel the trip because of closure of the card. Another card was Bank of America Cash Rewards Card. There were {$12.00} cash rewards on the account before the involuntary closure. The rewards are also gone after the closure of the card.

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 04-05-2017 about Credit card () with AMERICAN EXPRESS COMPANY (UT).
Issue: Advertising and marketing

Complaint: American Express offered a {$10.00} statement credit if I made a {$50.00} purchase at an XXXX store. I made a purchase totaling {$64.00} at an XXXX store. However, the merchant processed the charge under a XXXX merchant account which was specifically excluded from the offer. I contacted American Express customer service and the agent and the agent 's supervisor both said they were n't able to grant the credit since it was processed at a non-participating merchant. The expectation that the customer is somehow supposed to know that a specific merchant listed on the store front, the company 's website, and the receipt as " XXXX '' will not be eligible for an offer because the merchant processes the transaction under a different name is not reasonable. 

Here was the specific offer language : Details Get a one-time {$10.00} statement credit by using your enrolled Card to spend a minimum of $ XXXX in one or more transactions in-store at XXXX or online at XXXX by XX/XX/2017. See terms for exclusions. View Locations Nearby Terms Offer valid in-store at XXXX in the US/US Territories or online at XXXX. Not valid for giftcards purchased online. Excludes purchases from XXXX locations, XXXX, and XXXX. Offer is non-transferable. Must add offer to Card and use same Card to redeem. Limit 1 statement credit ( s ) per American Express ( R ) online account. Statement credit will appear on your billing statement within 90 days after XX/XX/2017, provided that American Express receives information from the merchant about your qualifying purchase. Note that American Express may not receive information about your qualifying purchase from merchant until all items from your qualifying purchase have been provided/shipped by merchant. Statement credit may be reversed if qualifying purchase is returned/cancelled. If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit. For example, your transaction will not qualify if it is not made directly with the merchant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. By adding an offer to a Card, you agree that American Express may send you communications about the offer. POID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is in regards to Equifax statement of dispute about a Public Record that IS NOT CORRECT!. 

They have a Public Record on my credit which is not correct. I sent documentation to along with my dispute to show what they have is incorrect : Meanwhile I find it VERY hard to believe that they " verified that this public record item is reporting correctly and verified that this item belongs to you. '' in a little over a week.. I DONT THINK SO! 

I also question why they fail to leave there phone # or any contact info after the part where they say '' If you have additional questions about this item please contact ''. 

And this is what they said about Inquiries I disputed, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' This is clearly a matter of them not doing there job, I say this because I send in the documentation to show I do not owe any one.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I currently have an account with XXXX XXXX XXXX XXXX, and have had this account for many years. According to XXXX XXXX XXXX XXXX, my account is completely up to date with no past due balances, and certainly no balances sent to collections. I received a letter from Afni, Inc. informing me that I owe {$310.00} to the creditor XXXX XXXX XXXX XXXX. I believe this to be a scam. Unfortunately, this collections agency 's scam attempt is showing up on my credit report and negatively impacting my credit. I mailed a certified letter yesterday informing Afni , Inc. that I dispute the debt. I would like to get this inaccurate information removed from my credit report as well. Please help! Thank you for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (FL).
Issue: Account opening, closing, or management

Complaint: SYNCB/JCP ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SYNCB/JCP or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/JCP or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 12/21/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Wells Fargo Associates Fraudulently opened an account in my name back in 2013. I did not know of the account and somehow it ended up with a negative balance and then closed. I learned about this while in bankruptcy so I included the balance in my now discharged bankruptcy. I tried to open an account with Wells Fargo, then opened the account and then closed it the same day because of what their previous associates did who nolonger work for the bank.

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 03/22/2016 about Debt collection (Medical) with Trojan Professional Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt buyer is reporting inaccurate information on my report. They have never sent me a notice of the account information, nor have they validated/verified the debt before placing it on my credit report. This account was paid directly to the creditor. I 've asked XXXX to remove it & they claim I need to contact the debt buyer directly. I 've called them on the phone to remove & they said I owe it & I have to pay, but yet they 've never sent me anything ... .this is strict violation of the FDCPA & FCRA. I 'd like it removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Account Opened for collections XXXX/XXXX/2015 original creditor XXXX XXXX. Removed and reopened still lingering on my credit report. 
Account was never opened, no business conducted with XXXX. 
Spoke to XXXX XXXX and XXXX ( did not provide last name ) who advised to send a letter to below address to dispute collection report/Certified letter to be mailed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CT).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Someone in Florida tried to open 5 credit cards using my info. This happened through syncb. They appear on my Credit Report as hard inquiries. They are : syncb/XXXX on XXXX/XXXX/XXXX ; syncbXXXX on XXXX/XXXX/XXXX ; syncbXXXX on XXXX/XXXX/XXXX ; syncb/XXXX on XXXX/XXXX/XXXX ; syncb/XXXX on XXXX/XXXX/XXXX. I never ordered any of these and would never. 
They appear on my credit report ( through XXXX XXXX ) as hard inquiries and could stay on my credit report for a number of years. Please have them removed and make sure they were never opened.

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 08-01-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I received a bill from KOHL 'S card for {$240.00}. I never apply for this card and when I received the card, I did n't open or activated it. The card account # is XXXX. I think my identity info has been stolen and used my info to open the KOHL 'S card.

Company response to consumer: Closed with explanation