milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My name is XXXX XXXX I want to file a complaint do to the fact someone has opened a credit card in my name and used up XXXX dollars in a XXXX XXXX card, and none of the companies want to give me the information that I found on XXXX to check my score. And found a card that I did not open, that someone else has opened in a XXXX XXXX credit card I would like to press charges against that person .I also would like all the information about what, were, how, and who, was this person so I can make a police report. And they will not give me the proper information to do what I need to do .so this person will get caught .I would like to know why I can not get all my information on the card that was opened in my name .and why XXXX XXXX will not give me my own information .that someone else used, they told me not to worry about to let it go, Please call me if any???? XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Medical) with AR Resources, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from AR Resources dated XXXX XXXX, 2016, and received it via US Mail on XXXX XXXX, 2016, claiming I owe a balance of XXXX. I am not aware of any outstanding account with AR Resources or any affiliates of AR Resources. I responded with a letter of verification and validation within the 30 days prescribed by FDCPA Laws. AR Resources received my letter on XXXX XXXX, 2016, via US Mail Return Receipt and per conversation with XXXX XXXX, Supervisor within AR Resources agency, and they failed to provide me with any verification or validation of the alleged debt before applying this negative balance to my credit file on XXXX XXXX, 2016. AR Resources provided a copy of what appears to be an office generated bill, attached to this complaint, that I have no knowledge. I am requesting AR Resources to provide me with a copy of all " original " documents that were signed by me, XXXX XXXX, proving I received treatment or services on the alleged date and any documents that I promise to pay for any treatment or services. I also request proof of the assignment of this alleged debt to AR Resources. A copy of an alleged billing statement and no signed " original '' documents is not enough information for AR Resources to validate their claim nor enough information for me to open a personal investigation into this matter. AR Resources has not validated their claim and also has applied this balance to my credit file without proper validation or verification, after having full knowledge of my request. I am requesting and immediate expulsion of all negative reporting by AR Resources to all credit reporting agencies, because they are not in compliance with the FDCPA Laws and until they can provide valid proof I, XXXX XXXX, am the person in question.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Balance transfer

Complaint: On XXXX XXXX, 2014 my husband, XXXX left a dentist extremely dissatisfied. He immediately contacted American Express to stop payment of {$7500.00} and to initiate a dispute. On XXXX XXXX, 2014 my husband unexpectedly passed away. In uttergrief I contacted American Express on XXXX XXXX to get our miles to fly our family to the services and told them of his passing. On XXXX XXXX the {$7500.00} appeared on my acct. At no time and in no way at all did American Express tell me that there was an active dispute on my husband 's acct. If they had I would have immediately turned the matter over to my husband 's estate attorney. I have provided documentation of the charge, a letter dated XXXX XXXX, 2014 from my husband to Am Ex, a letter of AmEx 's terms and a letter from the XXXX involved showing the date of XXXX/XXXX/2014 the day he was faxing a response to American Express. I have been trying to deal on my own with this. Every time a rep says a supervisor will look into it and call back. They never do. I can not tell you how distressing this has been. We have been AmEx customers for XXXX years. I was told if I wanted a copy of the recorded conversation from XXXX XXXX, 2014 that it must be by subpoena only. I never agreed to accept this responsibility. American Express failed to disclose the active dispute which should have gone to the estate attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Prepaid card (Government benefit payment card) with Comerica (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: Somehow my number was stolen and used to purchase merchandise online. I immediately noticed the charge and tried to call to get it figured out. I get my social security survivor benefits through Direct Express, and as far as I can tell so does anyone else who does n't do direct deposit. My issue with this company is that they have only one way to get a hold of them, one phone number. I am on day 12 of trying to get this money back that was stolen from me. I call every single day, at least 3 times, and the automated operator who comes on when they transfer you to a tier XXXX agent, just says it 's too busy, call back later, and hangs up. I have only made it through twice, and that did n't go well. They re saying it will be at least 8 weeks to refund the money back to my account. I do n't understand why they have that right, I feel like i 'm being victimized by them, I have had no help whatsoever in this matter. I even got the address to where the stolen merchandise was sent, and they don, t care, did n't want the info.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX Account # XXXX I have asked the credit grantor for verification that this is my account and have been unable to receive it. I did not apply for this account. I need it removed from my credit report.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 06/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was viewing my XXXX XXXX report and noticed that there were XXXX inquires from XXXX. I contacted them and they referred me to Equifax and Equifax refused to dispute. They redirected me back to XXXX. I am entitled to dispute fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was told by the Department of Education to contact this collection company. I told the Department of Education and the collection company the loan did not belong me because I had a name change and the debt is more than seven years old. According to the rules of the FCRA the debt is suppose to be deleted from their systems because it is inaccurate.

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. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax allowed my information to be hacked, and they waited 30 days to notify me. Now when attempting to place a fraud alert on my account their phone and website are not functioning properly.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: I have disputed the account on my credit report  XXXX   XXXX ,  XXXX  {$540.00} multiple times with Experian and they continue to not remove the account from my credit report. I do not owe this creditor this account does not belong to me. I sent a certified method of verification request to them on  XXXX   XXXX ,   XXXX   and it was delivered on  XXXX   XXXX ,   XXXX  . I have not received any evidence supporting the creditors claim that I owe the debt of {$540.00}. This account has hurt my  credit score  tremendously and continues to do so everyday this account is allowed to remain on my credit report. Experian has not responded at all to my method of verification request and it has been well past the 15 days that they have to answer to my request I want this account removed from my credit report.     On the sam e Method of Verification r equest I listed the following account   XXXX   XXXX    {$12000.00} requesting for the information they used to verify this account and the same as the above applies I have not received any thing from Experian in regards to the  Method of Verification  request I sent to them for this account either. I want this account removed as well. Experian seems to not adhere to laws meant to protect consumers rights and continue to not conduct real investigations into consumer disputes and continue to allow creditors to not have provide any supporting information verifying the debt is real.

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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 contacted all 3 credit reporting agencies on XX/XX/XXXX and XX/XX/XXXX to inform them that numerous inquiries on my report were due to an error. I called the company which was a car dealership by the name of XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, NC that was responsible for having my report pulled by numerous finance companies. I spoke with the Finance Manager by the name of XXXX XXXX that searched their systems and confirmed that they did not contain any information on my name or social security number. He confirmed that my information had been pulled in error and that I did not give permission for my credit to be pulled by his company. He stated that he would send in a letter to the 3 credit bureaus but when I tried to check the status of that process being completed a few days later with XXXX XXXX I was informed that he had a family emergency and would be out of work for some time. Each time I spoke with representatives at each credit bureaus they read me the same statement about " inquiries being factual data ''. I understand that but it means nothing if I did not authorize my credit to be pulled by this company which results in many inquiries being reported on my credit reports. I requested by verbally disputing, written disputes sent by certified mail, also online with each credit bureaus dispute option. After the dispute is completed I am getting the status as " verified '' which is impossible if the company has already confirmed that my information was used to pull my credit reports in error. I believe that the credit bureaus are not investigating my concern and I would like these inaccuracies removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MD).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I deposited a check for {$950.00} through the mobile pnc app on X/XX/17. The following monday I received a notice of a hold on my deposit and I spoke to the teller at PNC and was assured that after 5 buisness my check will be cleared. My check was cleared on Saturday X/XX/17. The following there was another hold on placed on my funds and has not been lifted since.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Around  XXXX     2015, Discover had a  promotion : open  a new Discover card acc ount and get 20 % cash back for all  XXXX  spendings through the end of  XXXX   2015. Total cas h back limit is {$2000.00}.   In response to the promotion, I opened this account in  XXXX  and spent over {$10000.00} on the card through  XXXX . Howeve r, Discover  only credited my account for a total cash back of {$520.00}.   Subsequent multiple phone calls to Discover customer service only resulted in promise of someone will call you back and take care of it. But no additional cash back posted to my account and no phone calls either.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice from a company stating they had purchased my account from a Bank. In accordance with the instructions in the original XXXX/XXXX/15 notice from the debt collector, I sent a written request on XXXX/XXXX/15 to the debt collector requesting validation of the debt. The debt collector has not responded to my request as of XXXX/XXXX/15. The debt collector continues to send me notices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not agree with XXXX when they reported a bill delinquent on my credit reports. In an effort to get them to remove it I wrote them a letter and sent them a check requesting them to remove it from my credit reports with XXXX, XXXX & XXXX. In the letter it also says if you cash this check the account is now paid in full and you agree with the terms of the letter and they have 15 days to remove the account from the XXXX credit bureaus. They removed the account and then resubmitted to the credit bureaus. They need to correct this immediately. As of XXXX/XXXX/2017 they cashed the check that was sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My debit card was fraudulent use on XX/XX/2018. {$700.00} and {$800.00} was stolen from my atm card. I called BOA the next day I check my account, bank of America cancelled my card and issued another one and I was told they will investigate it and they will refund me in 10days if they didn't finish their inveatigation.

Apparently the thief/thieves also tried using the same card at well fargo but the transaction was declined, according to the customer agent I spoke with.

Next day I saw {$2.00} debited from my account, I called BOA and the agent told me the same card was used to check account balance at other bank, immediately {$2.00} was refunded back yo my account.

On the 10 day I was suppose to get refunded, an agent from BOA called asking me just 3 questions that " do you have the card with you on the day of the fraudulent charge, do you give you atm card to anyone and lastly did you give your pin to anyone ...

The next email I got after 20mins from BOA is the claim has been resolved and claim was not paid. 
I was shocked because this so called bank did not investigate the claim. 
My hard earned money was just gone like that? If bank is no more safe to keep my money I'd rather save my money at home. 
I already filed a small claim suite and hoping to get back my money.

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 11/22/2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Threatened to sue me for debt that was wrongfully forwarded to collections after financial institution have already paid for debt an passed the amount owed onto checking account resulting in overdraft. Have documents supporting this. When I tried to talk to them they kept trying to make me say Im refusing payment they threaten to make me pay more in court and wanted money today also stated they would not give me proof of debt or that it isnt in their right to give me proof they stated they managed many companies and had partnering companies. They also would not call me from an unblocked number for me to search for legitimacy. They refused to give me physical address as well.

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 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted experian to remove XXXX dept it is being reported twice by them and also XXXX XXXX XXXX. It still remains

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 02/20/2017 about Payday loan () with 2288984 Ontario Inc. (MD).
Issue: Charged fees or interest I didn't expect

Complaint: The state of Maryland has never authorized payday loans. Money Key is in violation of Usury Laws in Maryland and because of this violation I Am not obligated to pay Money Key. Money Key has harassed me constantly since the day the illegal payday loan account was opened. Money Key is threatening to sue me in civil court in regards to an illegal payday loan. I 've paid {$110.00} in fees/interest. Also Money Key has a regular finance charge fee on my statement and then " other charges/fees '' is also listed on my statement. Money Key does not explain what " other charges/fees '' means or where it comes from. I was charged {$30.00} for each {$100.00} of your average daily principal balance and also {$15.00} for each {$100.00} of my average daily principal balance. Money Key tries to illegall lend out money and hide under the guise that they are a " Line of credit '' but it clearly states on their website " Payday Loans ''. When you search for Payday Loans, Money Key is the first to come up on search engines. I have tried to negotiate payments with Money Key but now they are threatening to sue me for triple the amount that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NE).
Issue: Account opening, closing, or management

Complaint: I have closed my checking account with Bank of America # XXXX XX/XX/XXXX and spoke to the Bank of America on XX/XX/XXXX, associate XXXX in XXXX ; I was assured that the residue of {$110.00} will be mailed to me as a check. It is now XX/XX/XXXX and I am still waiting. I called numerous times and was not able to get through since the XX/XX/XXXX, the hold was always very long, 10 minutes + or I got disconnected numerous times. I am on hold again today with the Bank of America and being bounced around.XXXX in XXXX phone # XXXX informed me " the check is in the mail and to give it till Friday. '' I am amaized how horrible it has been to deal with the Bank of America and would like your burea to know. 
Sincerely 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 monetary relief
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have call credit bureaus to dispute all negative impact on my credit reports in regards to date of opening not correct, information from documents I have showing I do n't owe and cases that were discharged in my chapter XXXX from 2008, these companies keep reselling to other companies over and over again, one collection company which is XXXX XXXX has false reporting saying I owe when wisconsin circuit court shows I do n't, damaging my credit,

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