milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: HELLO! I 'm disputing with Bank of america. When In XXXX in XXXX on XXXX i tried to put petrol at XXXXXXXX XXXX XXXX Every XXXX has their own employees for putting some petrol and customer 's card processing purpose. At the time they took my credit card and inserted to their card processing device. But it was declined 5 times incluing my brothers credit card 3 times and mine 2 times. So finally ended up using my brothers debit card. After travel, i found out they charged me {$77.00} US dollar even though it was declined 5 times. I could n't use my credit card at all. I think this is definitely double charged and i have no reason to pay again. also i do n't get what based on they charged me XXXX I thought everything is going well because i have declined slips. But the problem has been started from here. My bank credit card claims department keep saying that i have to pay {$77.00} Because there was no credit card numbers, the amount to be credited and merchant name on the declined slips The credit card dept keep insisting that these are not vaild credit card slips. If these are not proper card slip, who gave me the credit card slips? I did n't get any valid slips from XXXX company. this is not my mistakes Do you know what even worse things? At the time putting the petrol, i did n't sign on the recepit at all but the petrol stn and bank of america  keep saying that i signed so i asked BOA to send me copy of my signature and they said already mailed me it was more than month ago and i called a few times the bank sent the mail for sure Everytime i called they said just wait but i think they are lying I have been spending huge amount of time to solve this problems and too much stress since XXXX I guess no one fight for this long. most of them would give up. But the credit card dept never change their stands. finally i have no choice but reach the XXXX head quarter to solve this terrible problem and i 'm still waiting So my suggestion is asking the Bank of america whether they sent mail or not I have no idea even they have my signature as proof of purchase If it turns out that the bank is lying there will be a huge problem of trust. I would really apprecite your response and contact me please

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 10-11-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a CareCredit credit card in the mail. I have never heard of this company and have never applied for credit with them. The account, which I did not authorize, was in my name and had an {$18000.00} credit limit. The account had all of my personal information, including my social security number, physical and mailing address. When I called, I asked to be transferred to Fraud. The supervisor in fraud was nice but would not tell me how they received an application with my name on it. I would like to know how this happened specifically ; Was it an online application? Was it a paper application? Was it done by an employee of this company? I 'd like to know so I can protect myself from this happening again. 

I now have to notify the credit reporting agencies of potential fraud and have any new accounts blocked. This will undoubtedly mess up my ability to receive the best pricing options in the future on purchases.

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 03/22/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from Convergent which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I reached out to TransUnion, XXXX and XXXX about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. Transunion, XXXX and XXXX all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) .XXXX XXXX XXXX ( XXXX/XXXX/2016 )

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 03-09-2016 about Debt collection (Federal student loan) with National Enterprise Systems, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The collection agency constantly call me every hour all day long. They call my job all day as well. They call disclosing information that should not be disclosed. It is most definitely embarrassing. They call my cell phone late at night as well. The latest they have called me is after XXXX. I am really tired of this. There tactics are ridiculous!!! I would appreciate it if something could be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Bank of America debited my account on XXXX XXXX for an annual service. The teller told me there was another person on my account. I cancelled the service the next day XXXX XXXX because I was the only account holder, and I have concern about their mistake.The person who closed my account refused to refund my payment, instead she told me to call the XXXX number which I did several times. TheXXXX refused to give me a reference number nor was I given a claim number initially. I was told to call the bank, the banking center said the person in charge was n't available. I got a letter from BOA where it stated there was NO transaction on XXXX XXXX for the amount of {$240.00}. I have supporting papers of payment, cancellation of service and their letter refusing to acknowledge they had debited my account of {$240.00}. I.tried to take care of this situation on XXXX XXXX, but all I got was being out on hold and being transferred from XXXX dept to another with long wait time in between while being put on hold. They might expect callers to be discouraged and hang up so they do n't have to fix their mistake by doing a refund. I filed a complaint with XXXX and the Bureau of Consumer Financial Protection so unwary customers wo n't get scammed this way.

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 07/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I received a copy of my credit report and found the following item ( s ) to be errors. I have contacted equifax in writing 2 times once on XXXX/XXXX/2016 & XXXX/XXXX/2016, they do not respond and have ignored my request for information investigation & deletion. They have never responded to me. 
1. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove this inaccurate information from my credit report. 

4. The information is incorrect for the following account No Account Name Account Number : XXXX Please remove it from my credit report. 

5. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
6. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

7. The information is incorrect for the following account XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (I do not know) with I.C. System, Inc. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This company keeps calling me hangs up some times breaths then hangs up, I called back to find out who it was I asked who is this they said your mother and were very nasty the call keep on going. They claim to be looking for a woman to whom does not live at this address, I did tell them to stop calling and this person I do n't know and never heard of them. After calling again to ask them to stop calling they cursed me out and said we know who lives their and we are coming for you. I immediately did some research online and only came up with a collection agency called IC systems these people are illegally calling me and harassing me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX has confirmed in the last 60 days that all of my loans are issued by them. Navient has been fraudelently duplicating the same Student loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me. XXXX has already deleted all their accounts and updated only XXXX XXXX XXXX loans. I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is XXXX XXXX XXXX. Thank you!! My name is XXXX XXXX XXXX, My balance with XXXX XXXX XXXX is approximately {$21000.00}, Navient continues to report {$40.00}, XXXX and duplicate same information coming from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Medical) with Holloway Credit Solutions (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continued to report on my credit report a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not owe this debt. I changed insurances in XX/XX/2011 and have not had XXXX since then. Also I have never owed any balances since I canceled the policy and changed to another insurance before the next month was due. This debt collection is attempting to collect illegally a debt that does not exist. Also I 've never lived in an apt as they have listed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting wrong information on my credit report. Transunion and XXXX  and XXXX have two different open date when the account begin. How can one account open on two different day.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I received a letter in the mail stating they ( Transunion ) took my XXXX XXXX XXXXccount off of my credit report. I didnt ask them to do that. It is my longest credit history, therefore this will adversely affect my credit score. I previously submitted a compliant for them to update my accounts. I never asked them to delete a open account.

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 12-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: Client is wanting to save her home and has the means to do so - the loss mitt package was submitted to the lender XX/XX/2016 - 7 days prior to the sale date of XX/XX/2016 - the lender is not postponing sale to allow the review, they are now in violation of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (GA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Initially the company misrepresented themselves as a legal entity, then when we entered into a payment agreement and I paid the settlement amount, later I was told that they do not update with the credit bureaus when satisfactory and complete payment have been made. The balance that is showing as still owed, is the full amount BEFORE the settlement amount was granted and paid by me. I needed to clear this up in order to get my official transcripts sent to my new school, of which I completed my degree and graduated this pass XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

I confirmed with Citi on Multiple occasions ( XXXX, XXXX, XXXX ) that I fulfilled all terms of the offer and to expect my bonus. 

Despite meeting all requirements to receive my bonus, the Citibank refused to honor their end of the agreement. I had to file a complaint before they re-evaluated the situation and finally agreed to honor the initial offer. I was told on XXXX XXXX that I would have to wait 60 days to receive the offer. Today is XXXX XXXX and I still have n't received any points into my XXXX XXXX account. 

I filed another complaint earlier this month/late last month because I suspected that Citibank would fail to honor their agreement. This is exactly what happened. I still do n't have the miles promised to me. 

I ask that Citi credit my account immediately. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

THE NEW JERSEY CONSUMER FRAUD ACT : If a jury or a court determines that a party has committed an act of consumer fraud, then that party must pay three times ( 3X ) the amount of damages awarded to the other party. ( N.J.S. 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 03/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The PRIMARY reason my credit card use is high is a direct result of my brothers passing. I had over XXXX trips XXXX XXXX XXXX to XXXX to assist in my brothers care fighting XXXX. It was almost 2 years taking care of him, until his death. 

My airline costs alone was well over {$10000.00}. Added to that, I had rental cars, airport parking, food for my brothers family, cash advances, and other miscellaneous expenses. 

Additionally, I had to pay legal fees to straighten out my brothers legal issues, and around {$3000.00} in funeral expenses. 

So yes, I had a huge demand on my credit cards, but I also did n't have a choice.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Checking or savings account (Savings account) with BB&T CORPORATION (PA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: My Acount make my creit score very low I think I should have good Creit by now

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 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 refused to investigate my credit file ( initially started XX/XX/XXXX ). XXXX  and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules and subsequently the items in question must be removed. Please investigate this pattern of gross violations of my rights.

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX   XXXX XXXX-XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$320.00} XXXX XX/XX/XXXX {$9600.00} XXXX   XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$3100.00} XXXX XX/XX/XXXX {$160.00} XXXX   XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$76.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00}

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 non-monetary relief
Consumer complaint received 09-07-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I went to the bank and had a wire transfer for {$6000.00} on XXXX/XXXX/XXXX at XXXX as processed. Coinbase INC promised if funds were transferred before XXXX funds would be available within 1 business day. We are now on the XXXX of XXXX. My bank accounts reflects receipt of {$6000.00} and yet have not posted. I have tried everything under the sun in contacting Coinbase and yet no response. 
My contact # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: Dear CFPB, XXXX / XXXX XXXXk has been reporting a charge off on my credit report for years. I have tried countless times to call XXXX and have been unsuccessful.
The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security.
I asked XXXX to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This XXXX account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim.
Would you please assist me in getting this charge off removed from my credit report immediately? XXXX has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me!
Thank you in advance,

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 WELLS FARGO & COMPANY (GA).
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: To Whom It May Concern : I have made several attempts to get the inaccurate information that is reporting on my credit report removed. I have provided the company and the bureau with all the information they requested. I have not heard from either party. I would appreciate if your company can help me because I truly feel like my rights has been violated by both companies. They are reporting lates on my credit file and that is totally untrue. I have never been late with this company. Please help me correct this matter because it is causing havoc on my 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