milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have contacted Bank of America and made them aware that they opened an XXXX XXXX credit card in my name fraudulently, but they have done nothing about it. I have sent them a fraud package and they have ignored it. They continue to threaten me that if I do n't pay the balance on the account that they allowed to be opened in my name fraudulently that they would ruin my credit and send the account to a collector. I was the victim of identity theft and accounts were opened in my name using my correct personal information that was obtained as a result of the identity theft. When I have told this to the representatives at Bank of America they have told me that they did not care and that I was still required the fraudulent account. They are violating my rights, defaming my character and harassing me relentlessly. I did not open this or any other account with Bank of America, but they continue to verbally abuse me and threaten me.
I have also disputed this with XXXX and the representative that I spoke to at XXXX cussed me out and called me a liar and told me that I was a XXXX XXXX XXXX XXXX I am tired of all of this abuse and defamation of my character and I want this stopped immediately, both of these companies are acting like vigilantes about a credit card they allowed to be opened fraudulently Partial Account Number XXXXXXXX

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 01/31/2018 about Payday loan, title loan, or personal loan (Installment loan) with Social Finance, Inc. (TX).
Issue: Problem when making payments

Complaint: I can not log into my account as there is a link that forces you to accept consent that will not allow you to enter a class action against the company. I will send in a rejection letter but i want this removed so I can service the account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Advertising and marketing

Complaint: Everyone 's familiar with those Capital One credit card ads on TV where they say " use our card and get frequent flyer miles on the airlines ''. They use movie stars like XXXX, XXXX, XXXX. Turns out those TV ads are a complete misleading lie. Capitol One has their own private definition of what constitutes frequent flyer miles, vs what we, the general public thinks. I had XXXX miles with them. Think you can fly to the other side of the world with them and back -- -- first class no less? Wrong!! Turns out what they 're really doing is giving you {$.00} credit for every XXXX mules you 've earned. Then you have to go through their website to list on an airline. It was still going to cost me some {$1200.00} plus. I instead went on XXXX and bought the ticket for {$900.00}. I want to sue them for false and misleading advertising.

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 EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Upon request for validation and dispute of a debt with XXXX I RECEIVED THE ATTACHED letter stating the account was sold. The dent was not validated yet the trade line continues to appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Credit card) with Guy C. Zukeran, Attorney at Law, LLLC (HI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The debt collector, XXXX, researched my new address ( they did n't have mine on file apparently ), and instead of sending me a correspondence requesting I contact them or pay my debt, they issued a law suit! Fine, I owe the debt, I need to pay it right? I get it, I am okay with that. But they should have asked first. But my real complaint is that they served a summons with my personal information about debts I owe to a roommate! This information did NOT need to be made public in the form of the lawsuit nor the summons to my roommate if they had just contacted me to begin with. This needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with National Collection Systems, Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Account is settled and I would like it moved from closed collections to removed collections. the collection company is National credit management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX several accounts was opened in my name without my knowledge, 1.  Suntrust XXXXXX/XX/XXXX {$37000.00}, 2. XXXX XXXX loan {$8500.00}, 3. XXXX XXXX Credit card {$2500.00}, 4. XXXX XXXX {$2500.00}

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 08-08-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: PNC bank is back to their old antics of purposely ordering transactions to post in a manner that consumers have to pay multiple overdraft fees a month. I was paid a prior settlement from them for the exact same practice in XX/XX/2014.  They advertise their online banking as easy to use. but do not post transactions in a manner that makes their customers have any idea what their balance is. I have enough money to cover any deduction as I have 2 accounts but I will not be forced to enroll in overdraft protection as that means a hacker can empty all of my accounts. I had this happen to the same account last year.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit card () with DISCOVER BANK (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: 0N OR ABOUT XX/XX/XXXX2015 I RECEIVED A DISCOVER CARD IN THE MAIL .I DID NOT KNOW IF IT WAS REAL OR NOT I NEVER REMOVED IT FROM THE LETTER. I CALLED DISCOVER CARD COMPANY THE XXXX OF XXXX 2015 TO REPORT THAT I RECEIVED IT AND IF IT WAS REAL THAT I COULD NOT FIND IT SO I REPORTED IT LOST OR STOLEN. THE MAN SAID IT WAS REAL AND SOMEONE ACTIVATED IT THE DAY BEFORE AND HAD ALMOST MAXED IT OUT. AFTER HE TOLD ME WHERE IT WAS USED I CONFRONTED MY EX DAUGHTER IN LAW, WHO HAD BEEN AT MY HOUSE WITH THE GRAND CHILDREN THE DAY BEFORE. SHE CONFESSED I CALLED DISCOVER BANK AND GAVE THEM THE INFORMATION AND HER NUMBER. SHE SENT ME SOME MONEY FOR THE CARD BY MONEY ORDER AND I CALLED AND SENT IT TO THEM. I FILLEDOUT THE FRAUD REPORT FOR DISCOVER AND WENT TO SHERIFF OFICE TO FILL OUT COMPLAINT. AFTER XXXX TRIPS TO SHERIFFS OFFICE OFFICER XXXX SAID THAT HE TALKED WITH DISCOVER AND THEY WOULD HANDLE IT INTERNALLY. ALL THEY DID WAS CONTINUE TO BILL ME I GOT A LETTER STATING IT APPEARED TO BE FRAUD BUT I HAD NOT DISPUTED THE CHARGES SO I DISPUTED THE CHARGES IN WRITING. I DO NOT KNOW WHAT ELSE I CAN DO .I DID NOT ASK OR ACTIVATE THE CARD OR USE THE CARD AT ALL. I HAD THE CARD CANCLED THE FIRST DAY I CALLED XXXX THAT THEY NOT SEN ANOTHER CARD. FOR SOME REASON THEY CHANGED THE ACCOUNT NUMBER BUT DID CANCLE THE CARD BUT THEY ARE HOLDING ME RESPONSIBLE FOR THE BILL I NEVER ASKED FOR OR AGREEDED TO BE RESPONSIBLE. WHAT ELSE DO I NEED TO DO. IT IS NOT MY BILL I DID NOT GIVE ANYONE PERMISSION TO USE THE CARD. I DID NOT EVEN HAVE THE CARD WHEN I REPORTED IT LOST OR STOLEN. PLEASE HELP ME I AM A SEMI RETIRED PERSON AND CAN NOT PAY OTHER PEOPLES BILLS. MY EXDUGHTER IN LAW HAS BEEN IN AND OUT OF PRISON FOR THEIF. I AM TRYING TO RAISE HER XXXX CHILDREN WITHOUT ANY HELP FROM EITHER PARENT. WHY CAN I NOT GET THEM TO USE THEIR FRAUD PROTECTION IN THIS CASE? IS IT BECAUSE I WAS HONEST AND TOLD THEM WHO DID IT AFTER I FOUND OUT AND GOT HER TO PAY BACK SOME OF THE MONEY? WHAT CAN I DO? XXXX OFFICE SAYS I HAVE NOT BEEN OUT ANY MONEY SO THEY WOULD NOT LET ME FILE. I AM STILL GETTING BILLED AND IT IS HURTING MY CREDIT. PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX SINCERELY YOURS XXXX XXXX. PS I DO NOT KNOW HOW TO SCAN DOCUMENTS I CAN FAX THEM OR MAIL IF NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax is reporting XXXX XXXX # XXXX on my credit file as being late on XX/XX/2016. However Im an authorized user on that account which is in my wifes name XXXX XXXX, we pulled her Equifax file and the same XXXX XXXX account on her file is not reporting late payment on XX/XX/2016. Obviously you cant have the same account reporting different information on 2 different credit file. I have enclosed a page of my wifes account reporting correctly on her file.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collection notice from Diversified Consultants, Inc.  (   XXXX  ),  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , acting on behalf of  XXXX  to collect {$230.00} which I do not owe. I attempted to have  XXXX  correct the problem since    2016  but they simply ignored my numerous complaints. I subsequently sought the assistance of the Office of the New York State Attorney General ( Reference File #  XXXX  ) to resolve the problem, but unsuccessfully. The final response by the Attorney General Office is as follows : " We have received a response to your complaint. Despite our efforts, the company has refused to make any refund or other adjustment. ''  XXXX  provided false information to the New York State Attorney General Office.     The problem stems from the fact that  XXXX  surreptitiously added various fictitious billing amounts into both my  XXXX   XXXX  account and my  XXXX   XXXX  account, each in the sum of {$240.00}. and  XXXX  purposely co-mingled billing charges and payments between those  XXXX  accounts.     Because of the frustration which I encountered in trying to have  XXXX  make appropriate corrections, I cancelled my  XXXX  connection service on  XXXX   XXXX ,    2016  ( Cancellation Order No. : NY  XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: on XX/XX/17 I wrote letters to all 3 credit bureaus to have them remove fraudulent items reporting against my credit report. I requested specific validation records be sent to me within 30 days which is my right by law as a consumer and all 3 companies failed to reply with any information at all. They completely ignored my request as these items have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I received an email notification from Citibank ( credit card ) that my XXXX payment in the amount of {$500.00} was returned due to the payment account being closed. I made my XXXX payment on XXXX XXXX ( due date was XXXX ) via the Citibank website. The website listed XXXX payment accounts ; however only XXXX was available to choose because the other account was listed as " cancelled. '' In fact, during the process of making the payment, the cancelled account was not listed in the drop down menu for choosing a payment account. The other payment account was listed as active and this account was the only XXXX listed in the drop down menu. Meaning the website only allows users to choose the active payment account. The cancelled payment account was an old XXXX Bank account used in the past. The active payment account was my current XXXX account, which I have been using to pay my monthly Citibank payment for the last few months. This can be seen in my payment history. When I made my XXXX payment via the Citibank website, I made it with my current XXXX payment account. Again, it was the only option to use on the website. For some unknown reason, Citibank utilized my closed/cancelled XXXX account to draw my XXXX payment. This was not my mistake as Citibank is claiming. I did not have the option to use this old payment account, not even by mistake. 

Citibank got notification of the payment return on XXXX. They charged a late fee on XXXX. However, they took 5 days to notify me of the returned payment, which in essence forced the late payment. As soon as I received the email, I called customer service to attempt to remedy the situation and correct the payment. The agent told me that it was quite possibly a computer glitch which caused Citibank to draw from the incorrect account. However, I now see that I am being charged a late payment fee and I am being told that Citibank will report a late payment to the credit agencies. 

I did not make a mistake by clicking on the old XXXX account because it was not even an option for me to do so ; therefore, I do not believe I should be charged a late fee and I do not believe this matter should negatively effect my credit report. There is an obvious problem with Citibank 's website payment process that allows old/closed accounts to be utilized for payment.

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 03-10-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (VA).
Issue: Wrong amount charged or received

Complaint: I attempted to send money to a friend using Paypal. Paypal states that there will be no fee for this service of sending money from one person to another. In addition, I was provided with a receipt showing the amount that I sent and that my friend would receive the same amount with no fee. However, when my friend received the money, a fee had been deducted, even though this was not disclosed at any point in the transaction. I attempted to contact Paypal to resolve this issue but only received an automated response with cut & paste listing of their fee policy. This policy again stated that there was no fee for transferring money between people, in contradiction to the company 's behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a claim of a balance owed to XXXX. That is disputed. The account was paid in full in 2012. Requests for an account statement under the Fair Credit Reporting Act have been ignored. There has been no evidence of the existence of the debt, the alleged balance of the account, supporting data related to the alleged account balance or documentation regarding this alleged debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information 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 12/17/2015 about Bank account or service (Savings account) with DISCOVER BANK (TX).
Issue: Account opening, closing, or management

Complaint: I opened an online savings account with Discover Bank based on a targeted offer I received in the mail. The offer was to include a {$100.00} bonus if I deposited {$15000.00} by XXXX/XXXX/15. The bonus was to be credited to my account within 30 days of receiving the required deposit. I opened the account with the deposit of {$15000.00} on XXXX/XXXX/15. The deposit was posted to my account on XXXX/XXXX/15. As of today, XXXX/XXXX/15, I have not received the credit that was promised. I called Discover customer service, and they informed me that I have done everything to qualify for the offer but do n't know why I have n't received it. They told me I had to put a ticket in with their marketing department and it would take 4-6 weeks to resolve. Discover Bank seems to be taking an excessive amount of time to post deposits to make interest off of the " float. '' In addition, they are not following through with the bonus offer that customers agree to. These are unacceptable business practices and consumers should be aware.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2017 about Payday loan, title loan, or personal loan (Installment loan) with Kashia Services (PA).
Issue: Charged fees or interest you didn't expect

Complaint: Was approved for a loan on XX/XX/XXXX-2017 for XXXX. I have made 6 payments of XXXX which they are automatically taking from my checking account. I called the Pa dept of banking and securities because I asked inbox loan for a payoff amount and its over XXXX. Ive already paid back the principal of the loan and over Pennsylvanias max interest rate of 6 %. The dept of banking and securities suggested I contact your dept and file a complaint. My loan # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Flurish Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account was very past due for quite sometime due to loss of income. I started making multiple payments per month starting in XXXX 2017 to resolve balance. I disputed the total balance because it was still reporting late and as if I was n't making payments. Company updated saying information was accurate and actually increased the balance due after updating a couple of the posted payments which was incorrect. I then re-disputed with credit bureaus with dates payments were made and amounts. As of XXXX XXXX, 2017 the account was paid in full. Today I received an update to my second dispute as the company stating accurate info ... Open {$550.00} past due as of XXXX 2017 and now 180 days or more past due.

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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Premier Student Loan Center (CA).
Issue: Fraud or scam

Complaint: This Company is a total Scam. They promised to consolidate student loans into a lower payment and charge a monthly fee. They make it seem as if the amount you are paying is going towards your student loans. In fact, they keep all of it and loans go into default.

Also, they use abusive and illegal telemarketing to sucker in customers. They call several times a day on my cell phone which is on the do not call list. All of those calls are violations of the TCPA. I have already reported them to the XXXX, the California attorney general and no one seems to care.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with Tribal Lending Enterprise, Inc. (MI).
Issue: Struggling to pay your loan

Complaint: Company has submitted payment to my bank account twice, I have called the company to set up payment arrangements and was told they will not set them up, I have to pay the installments as originally agreed upon. I explained to them I was having financial difficulty and would have to set up a different payment arrangement. upon which they said they would not do that and that collections would continue.

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 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting that I have XXXX outstanding debts with their company, on my credit report. They are reporting XXXX separate debts of {$1700.00}, {$520.00}, and {$480.00} respectively. I am unaware of any of these. I have contacted XXXX numerous times requesting a verification of these debts, but the will not give me any information about the origin of these debts they are reporting. They just ask me to pay them, even though I do n't know what they are.

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