milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: I purchased several thousand dollars worth of XXXX XXXX gift cards starting from XX/XX/XXXX-XX/XX/2016 and started purchasing them again this week ( XX/XX/XXXX-XX/XX/XXXX ). On XX/XX/XXXX, I noticed that my gift cards have all been closed. I am the card holder / authorized purchaser on all of the gift cards. XXXX XXXX closed ALL of my gift cards dating back all the way since XX/XX/XXXX-XX/XX/2016 this year without contacting me prior to the closures nor are they issuing refunds. I have called XXXX XXXX XXXX times in the past week and they have not given me any refunds or resolution to the issue. I am now out thousands of dollars because they decided to unlawfully cancel thousands of dollars in gift cards that are n't supposed to expire and are transferable by law and no refunds are in sight. I have called Citibank ( the card issuer ) used in most of these transactions three times now and they have not been of assistance in helping me recover the funds from XXXX XXXX - as I 've essentially lost thousands for nothing. The first call to Citibank, the representative said she would help me dispute all of them - that never happened. The second call representative told me they could n't be disputed since they 're gift cards. The third representative told me she would dispute all of them and issue me a new card and that never happened either. This week 's purchases ( before I noticed ) - I never even received the gift cards I paid for and after this week I noticed XXXX XXXX literally cancelled all of my gift card purchases and never refunded any payment. Both parties do not want to help me and I am out thousands of dollars paying for literally nothing. XXXX XXXX quite literally stole from 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 10-10-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I am having a problem with Chase Card. They are reporting an account with a high balance of {$3400.00} to the Credit Bureaus. I have written them multiple time requesting evidence bearing my signature that shows I have a contractual obligation to pay this debt to Chase. The only response I received was a copy of a credit card statement, but not any evidence with my signature to validate this debt. They also have failed to report to the Credit Bureaus within 30 days of my letter that this item is in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I Received the following MOST FRUSTRATING! error message : '' Unable to Complete Request We are unable to complete your request. 
" What happened : You have already received your free Personal Credit Report from TransUnion ; therefore, you are not eligible to receive an additional TransUnion report at this time. " What to do : Return to annualcreditreport.com and visit the Frequently Asked Questions section for moreinformation Purchase a Personal Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: have sent 4 dispute letters over the course of 5 months to Transunion disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. ACCOUNTS ( XXXX XXXX XXXX - XXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXX ) [ XXXX XXXX - XXXX ] ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Medical debt) with PlusFour, Inc (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX   XXXX  sent bills to collect invalid " co-pays '' after we left  XXXX   XXXX  and no longer used them as our primary medical care provider. After using  XXXX   XXXX  for over    XXXX   years, these " co-pays '' never once were demanded from  XXXX   XXXX , and in accordance with our insurance carrier, were not allowed to be billed, that all medical care costs were covered under negotiated costs, that we were not liable for these bogus " co-pays ''. Bills were turned over to : PlusFour , Inc.    XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX  Plu s Four, Inc.  sent  XXXX  collections notice for an {$11.00} co-pay and a {$88.00} co-pay and when we disputed it, no further action was taken except to cloud our credit reports with collection claims and to attempt to force us to settle in order to remove the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Other financial service (Refund anticipation check) with U.S. BANCORP (NM).
Issue: Fraud or scam

Complaint: In an understanding of an " integrity and fairness to all '' are the importances of a XXXX Program. 

US Bank in Frauding and Scamming has recovered Treasury Monies in Disputes with Merchants and their Automated Deposits yielding potentially, $ XXXX {$4000.00} per Year since, XXXX. 

XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Wellsfargo seized my home in XXXX as it was reported to me on XXXX XXXX they claim it was abandoned though I XXXX utilities and lawn service my mortgage is CURRENT just yesterday they sent a locksmith who gave my son new keys and they proceeded to trespass on my property and take photographs of my property in essence they changed my locks left my garage door unlocked spray painted my garage door with a house number that is not mine entered into my home attached a log on my wall with a different address listed on it signed in to the log all the while my mortgage is current and without contacted me I hope you can help or direct me to someone who can

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX contacted my parents at XXXX one morning, if that was n't enough. This past Sunday my family tried to contact me on my cellular phone, XXXX though, but instead they reached XXXX. I called them directly and spoke with the XXXX, but he wanted to play XXXX about forwarding my phone directly to his company 's phone. I then contacted XXXX my phone carrier, but they acted oblivious to my inquiries on how this were to occur. I was very upset because I just renewed my contract on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (I do not know) with Experian Information Solutions Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company XXXX XXXX is reporting on my credit report with a debt owed. I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. My next step is to start ligitation against Experian, XXXX and 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 01/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX XXXX, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PROFESSIONAL ACCOUNT MGM via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PROFESSIONAL ACCOUNT MGM ( XXXX XXXX XXXX XXXX, WI XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, Georgia, ( XXXX XXXX XXXX, Clerk Superior, State and Juvenile Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX. XXXX XXXX, XXXX, TX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PROFESSIONAL ACCOUNT MGM ( XXXX XXXX XXXX XXXX, WI XXXX ). 

On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PROFESSIONAL ACCOUNT MGM the following : I do n't know anything about this debt please send to the Original Creditor. 
As Resolution of this complaint, I ask that PROFESSIONAL ACCOUNT MGM stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: WAKEFIELD AND ASSOCIATES have wrongly tried to collect the a debt that i did not owed to them amounting to {$3500.00} and have ruined my credit. My insurance had paid the hospital in excess of {$10000.00} but still they are pursuing me from XX/XX/2014.

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 10/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I notice my address listed on my credit report is incorrect because I have never lived there. I called the credit reporting company and was informed that the address was reported by XXXX XXXX XXXX XXXX, which is by XXXX XXXX. 
I contacted XXXX XXXXXXXX XXXX XXXX Live chat and talked to XXXX XXXX on XX/XX/17, and he promised the incorrect address will be removed from my credit report within 30 days. I follow up with my credit report on XX/XX/17 and the incorrect address is still there. I contacted XXXX XXXXXXXX XXXX XXXXXXXX again and was transferred to XXXXXXXX XXXX XXXX Account Manager, XXXX ( ID # XXXX ), and she could n't promise she would solve this issue. XXXX transferred my call to another Account Manager, XXXX ( ID # XXXX ), and she said my complaint was childish and she could n't promise she would solve this issue. XXXX transferred my call to XXXX XXXX 's voicemail so I left a message and asked him to call me back. He never call me back to address this issue. XXXX XXXX XXXX customer service is very poor. Their managers do not listen to the complaint, can not provide solutions, and are not professional. Instead, their managers are rude, argumentative, and just pass the problem to the next person. 
Per the Account Managers, XXXXXXXX XXXX report the incorrect address to my credit report even though the address was not update nor provide by me. XXXXXXXX XXXX can not prove this is not a clerical error and refuses to contact the credit report companies to admit the mistake so the incorrect address can be totally erase from my credit record.

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 07-05-2016 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted Fred Myers/cbna about my account that opened XXXX/XXXX/XXXX and closed XXXX XXXX. They have not furnished information to XXXX credit bureaus to have it removed. My 7yrs FCRA limitation is being violated. Fred Meyers said they ca n't find these old accounts, so how are you reporting back to credit bureaus if you do n't have my old information available.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted all three credit bureaus repeatedly regarding two accounts one being XXXX XXXX XXXX XXXX the other being XXXX XXXX XXXX/XXXX  that display on all three of my credit reports. They are both unverified and not validated but yet they remain on XXXX, XXXX, and Experian. I have disputed these accounts several times for the past 3-4 months and can not get any resolve. These accounts being listed has had a SEVERE impact on all three of my credit reports and they must be corrected and taken off IMMEDIATELY. I have requested verification and validation several times and received no validating evidence. You are required under the FCRA to have properly verified each and every account listed on my credit reports. I asked for the name of the person from both companies you consulted with, what were the documents used to verify these accounts and where are these such documents, and to provide me with the phone number of the person and/or business address that supposedly verified these accounts as accurate. Still to this day XXXX, Experian, and XXXX have not supplied that information.Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FCBA, FCRA, and other federal statutes.

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 07/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Deposits and withdrawals

Complaint: I got some loans from companies that took control of my Bank Account with the help of my old bank Wells Fargo. I hired a company called XXXX XXXX to pay the companies that was taking everything I had coming in to live on, they was strangling me where I could not survive. I asked my bank to help me by not paying these companies for over a month. My bank Wells Fargo decided to pay these corrupt companies anyway, and I pleaded with them to stop paying them. The bank would pay these crooks that are illegal lenders charging more interest then they are allowed to, and the bank would sent the payments back I wanted to pay. Wells Fargo has me way overdrawn on my old account, and a lot of overdraft fees on account of it. I put a hard block on my account, and changed bank accounts. I 'm so far behind on my bills because of this, it 's going to take me awhile to be able to pay these bills. I 've been working real hard to restore my credit, and these companies, XXXX XXXX, XXXX, XXXX, XXXX and the help from Wells Fargo my credit is going back into the toilet. I want the money back the bank and companies have ripped me off for. I 'm paying XXXX to pay these companies I owe for over a month, but they continue to take from my bank account with Wells Fargo to, and Wells Fargo is giving them the money, even though I explained everything to the bank. PLEAS HELP ME, I 'M DROWNING IN DRBT.

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 02/24/2017 about Bank account or service ((CD) Certificate of deposit) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Deposits and withdrawals

Complaint: In 2006 members of the community HOA opened a CD with Fifth Third Bank or a predecessor bank. As the current President of the HOA, I tried to redeem the CD and was told that since I was n't an original signatory, I could n't redeem the CD, that the original signers would need to come in. There are two problems with that. First, neither I nor the bank know who those individuals are. They looked at the original form and could see signatures but there were no names. The second problem is that the CD was opened eleven years ago and board members from that time have either died or moved away. 
Our property management company is named on the CD but they ca n't get the funds either. The CD matures on XXXX and will automatically roll over again unless redeemed. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: major companies affected : XXXX ( oil ) and XXXX formerly know as XXXX XXXX XXXX capital ONE XXXX XXXX 1- will not work w financial hardship 2-closes acct on basis of chXXXX attempted but all future offers of credit refused because company wasnt paid ( I excised my right whether upright law executed it is another matter. companies can not act in this manner to refuse new acct based on credit options excised by consumer. ) 3-refuses to remove spurious charges ( extra interest, etc. wants full payment on acct ) and makes claim that they are unable to work with people without an attorney on retainer, yet when I had one on retainer, ( upright law ) they still refused. 

when claim is made it is under threat of lawsuit and over the phone, never in writing ( XXXX on behalf of XXXX XXXX ) and consumer " Must respond immeadiately '' to collection efforts. These companies are not being help responsible. 

capital ONE explicity : 1-WILL NEVER DELETE bad info about consumer. 
2-extends credit repair terms to 12 mos vs 6 for credit extensions 3- will not issue even a secured card which the consumer has to issue money for because of above.
4- refuses to turn acct over to people who might give a XXXX about consumer rights, but claims they are not covered under FCRA law.THIS IS EXTORTION. 

My income can not be garnished. Get a clue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional fixed mortgage) with First Direct Lending, LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: My wife and I received in the mail a pre-approval letter from First Direct Lending. Address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. The letter said we were pre-approved to refinance our mortgage at the exact amount of the existing mortgage. The rate would be about half of what it is now. The amount that was clearly stated was XXXX. We called the number and spoke to the agent. He sent us his qualifications for verification. Everything seemed fine. I told him we had received his company 's letter in the mail. 
The application process took a day or so because I had to send him copies of our XXXX 's, payroll stubs, drivers licence, tax statements, insurance verification and so on. After giving up all and I mean all of our personal information, including SS # 's, he wrote to us saying we did not qualify for the loan because of the amount. 
I wrote to him and accused his company of fraud. I can send you copies of the letter we received. What worries us is that they now have all of our information. He could have told us the amount was too high right away but instead asked for all information. What is going on? And the letter we received being pre-qualified? If we were pre-qualified for the amount shown then we should have been able to refinance as stated. 
This is a scam and I would like this company investigated. I will take this as far as I have to. I am angry and I have every right to be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX, 2016 I received notification from XXXX that XXXX accounts were being deleted from my credit report : XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX These XXXX were deleted from XXXX but they have yet to be deleted from my Transunion and XXXX credit reports. They need to be deleted from those XXXX Credit Reporting Agencies. I have contacted both of them and they both, very rudely have told me that they do n't have notification to delete and if/when they do it can take up to 90 days.

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 06/27/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (NY).
Issue: Unsolicited issuance of credit card

Complaint: I received XXXX cards in the mail today, unsolicited, from Navy Federal Credit Union. These included a Visa credit card under my name, a Visa debit card under my name, and a Visa credit card under the name of a total stranger. I did not request these cards. I called Navy Federal and canceled the cards, but they could not tell me how or why I was sent these cards. I believe that sending unsolicited cards is not legal and seek your advice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation