milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This account was opened in XX/XX/XXXX by my husband. I was an authorized user on the account. At no time could I call and do anything with the account. On XX/XX/XXXX my husband moved out and forwarded all his mail to his new address. Until this showed up on my credit report I did not know he canceled the card on XX/XX/XXXX. I already had the XX/XX/XXXX payment set up in bill pay. 
This account being reported on my credit report is effecting my ability to get a mortgage. I have tried several times to get resolution but it has come to nothing. I called yesterday and spoke with a woman in Recovery that happily took my new mailing address but other than that would not talk to me about the account without my ex husband 's consent. She also told me the account balance is {$150.00} more than I thought and to have it shown as paid I have to pay the entire amount. 
My ex husband would never do a thing to help me, in fact opening this up will result in another barrage of insults and threats. The last time I contacted him about left over business from our marriage he wanted to know why I was n't dead yet. Due to our son being a minor at the time he had a {$100000.00} life insurance policy on me. I feared for my life. I never gave my social security number to be associated with this account. 
If I can not get information or deal with this how can it be reported on 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 non-monetary relief
Consumer complaint received 10/19/2015 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I get from 5-15 calls within XXXX-XXXX calls back to back to back. Have stated I work from XXXX-XXXX and XXXX-XXXX. Have stated to bill me, and I am told no they will keep calling until I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 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: Personal information incorrect

Complaint: I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 

My name is : XXXX XXXX. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX. XXXX OH My current phone number is : ( XXXX ) XXXX All these number are not mind please remove from your database XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX RESIDED HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a account from XXXX XXXX # XXXX I do not recognize this account I do my business with XXXX this acount is a error please delete.

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 03/20/2017 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (CA).
Issue: Money was not available when promised

Complaint: Earlier this month I made two transfers via Wells Fargo sure pay using the recipient 's email address ( XXXX ). According the the recipient, he never got the money. I tried calling and send emails Wells Fargo claims department. But I did not get any clear answer. If the recipient never got the money - then where did it go? 

The following are the transaction details : Expand XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX {$330.00} Expand XX/XX/XXXX TRANSFER TO XXXX ON XX/XX/XXXX REF # XXXX TAX ADVICE XX/XX/XXXX {$100.00}

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 02/15/2016 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. 
Today a company, XXXX, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX XXXX tomorrow. 
I called them and said I needed info sent in writing. 
Then my mom notified me the same company, XXXX, called her stepson and told him fraud charges were being filed against me in XXXX XXXX. 
I called XXXX again and asked that they not contact anyone else because they have by mailing address and phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX   XXXX  ,2017 I was  offered a settlement to pay off a collection in the amount  XXXX  and they would remove this from collection and report it as paid in full. It 's now  XXXX   XXXX  ,2017 so  I contacted the credit bureaus and I was told that the company was still reporting it as a collection. I spoke with  XXXX   XXXX  extension #  XXXX  where she blatantly lied to me telling me they have reported to the bureaus on several time s  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  and  XX/XX/XXXX  of 2017 as  being paid in full.Once speaking to the bureaus I was told this was incorrect and they are still reporting as unpaid. I called back to speak with the company and was told that since I agreed to a settlement that it 's never gon na say paid after they offered me the settlement stating that it would be updated as paid in full. They are giving out false information and once I called back with these allegations they were very rude and unprofessional

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Bank account or service (Checking account) with U.S. BANCORP (WA).
Issue: Deposits and withdrawals

Complaint: I was sent a cashier 's check for {$1900.00} on XXXX XXXX, 2015. I deposited it in my bank account and the funds were in my available balance the next day. The check obviously cleared in the bank since the entire funds were made available to me. However, on the XXXX of XXXX. I called the bank to find out why my account was withdrawn and was told that the check for {$1900.00} was fraudulent and was being sent back. I was also told that it was my fault for not waiting for the bank to clear the check and make sure that the check was good. I was also told that the reason the bank made the funds available to me was because I have been a long time customer and have never had problems like this before. I trust that when the bank makes funds available to me that they are really available to me. I have completely lost my trust in US Bank. I am now over {$700.00} withdrawn in my bank account and I was told I am responsible for paying this money back. This is wrong on many levels and I feel I should be refunded this money because this the bank made the funds available to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received a statement with an annual fee for a credit card I attempted to convert to another credit card product on X/X/17 with citi via phone. I was under the impression this was underway and was actively taking place. I received yet another bill in XX/XX/XXXX ( for the same aforementioned credit card I attempted to convert in XX/XX/XXXX ) and called citi yet again on XX/XX/XXXX. I spoke with a front line csr who said I had already attempted this, but my account was n't able to be converted due to it being past due. I was frustrated that it was past due, as I requested the product change before the payment due date listed on the previous bill. I spoke with a supervisor this time named XXXX who said I received word I would have to pay the previous annual fee prior to the product conversion. I was confused as to how he could possibily know this as he was n't the person who handled my request in XX/XX/XXXX, and did not have time to review any associated phone recordings prior to speaking to me. This dismissive practice of the customer always being wrong has got to stop. I am being punished due to citi being inept with their speed of product conversion despite my asking for it prior to the payment being due. I paid the " minimum payment '' per XXXX on the phone as to avoid any negative credit reporting by city, but feel this payment was made under duress as I had no alternative.

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 02/14/2016 about Debt collection (Medical) with ARC Management Group, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never received a bill from the hospital or collection agency. This debt is for a hospital bill for my grandson. He lives with me. His mother has medicaid for his insurance. I brought the child to the hospital for emergency care. Upon checking my credit, I found this unpaid bill. I called the collection agency to give them his medicaid information and dispute the bill. I disputed this bill with XXXX and they have concluded that the bill is mine. Nobody is doing their job. This bill should be paid by medicaid or at least belong to his mother. They have also added his mother 's address to my credit report and I have never lived at this address.

Company response to consumer: Closed
Consumer complaint received 03/21/2015 about Debt collection (I do not know) with Firstsource Advantage, LLC (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The phone will ring once and hang-up several times a day from the same phone number. The calls are 7 days a week at all times of the early morning to late at night. Harassment is the intended purpose. I do not owe any debts and this company needs to produce documentation saying otherwise or stop calling. They call from this number ( XXXX ) and after doing a reverse look-up of the number it belongs to Firstsource Advantage , LLC XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Payday loan () with Enova International, Inc. (MD).
Issue: Can't stop charges to bank account

Complaint: I began by requesting a {$500.00} cash advance from CashNetUSA in XXXX. Cashnet subsequently deposited an additional {$300.00} into my XXXX checking account without me requesting it. CASHNETUSA has withdrawn over {$1900.00} in fees and interest as " repayment '' and there is a remaining balance in excess of {$300.00}. This is nothing more than a loan sharking operation which has assesed over 300 % in fees and interest.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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 submitted, an affidavit from the FTC and a valid Police Report for identity theft on an XXXX XXXX account that is NOT mine the account number showing is XXXX. They are refusing to follow the law as XXXX and XXXX have already done. I have called in and I have faxed in verifiable documentation and this account is still on my credit report! Please help me I 'm trying to get a house and this is holding me back! I need your help ...

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (I do not know) with Credit Bureau of Carbon County (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I RECEIVED A CALL YESTERDAY FROM A RANDOM COLLECTION AGENCY WHOM LEFT A MESSAGE ON MY VOICEMAIL. WHEN I RETURNED THE CALL THEY ASKED FOR MY PHONE NUMBER AND NAME AND THEN STATED THEY HAD DIALED MY NUMBER BY MISTAKE. ON XXXX IT STATES THEY ARE HIGH RISK FOR SCAM AND OR FRAUD.

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

Complaint: I filed bankruptcy XX/XX/XXXX and several debts that were discharged now show they were " charged off '' after the bankruptcy. My disputes for each account to the XXXX XXXX XXXX XXXX credit reporting agencies as well as attempts to resolve directly with the creditors have failed. Each agency and creditor refuse to correct the information and cite that it is " accurate ''. These accounts were not charged off prior to my bankruptcy. They began reporting a charge off after my bankruptcy. This results in each of the accounts being identified as derogatory with a charge off after my bankruptcy. This is a significant factor for lenders who review my credit report because they see accounts " charged off '' after bankruptcy which is misleading as to my credit worthiness. It is my understanding that the creditors may charge off an account after bankruptcy for their internal accounting purpose, but reporting a charge off after bankruptcy is a violation of credit reporting and bankruptcy statutes. I have sent correspondence multiple times, return receipt requested, with specific information that should be corrected. It remains in error and at this point they refuse to further investigate despite my repeated attempts. The credit agencies and creditors have also ignored my requests to provide their methods of verification after my disputes under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) ; it is my position that neither are unable to provide a method of verification because they are unable to do so. I have repeated the process of dispute when these charge off were reported after bankruptcy for each creditor that is reporting a charge off. Some are not only reporting a charge off after bankruptcy, they changed payment history to reflect a charge off prior to bankruptcy which is untrue. Prior credit reports show that the accounts were not charge off prior to bankruptcy. The credits retroactively changed payment history to charge off after bankruptcy. The creditors who are engaging in these actions XXXX. For example, all of these creditors are reporting that the account was charged off in XX/XX/XXXX -- -after bankruptcy. XXXX specifically retroactively entered charge offs prior to bankruptcy when accounts were not in charge off status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit card () with NATIONWIDE ACCEPTANCE CORPORATION (LA).
Issue: Transaction issue

Complaint: On one previous occasion I paid my fianc car note for him ( recorded consent with rep ) with my credit card but later that year ( 2016 ) during the holidays I checked my card for unauthorized charges & there was one from my fianc car note company which I had not authorized!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX ,   XXXX   and Transunion are reporting late payments for months on my credit report that I was on the rehabilation program with U.S DEPT of ED and in fact making payments to the U.S DEPT of ED during months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  to make payments for  XXXX  that were being drafted from out of my acct each month and these payments were paid on time each month and I was not late during neither of these times. In   XXXX   myself and the U.S Dept of ED changed the agreement form the rehabilitation program to a settlement agreement for my remaining balance to be paid in full by  XX/XX/XXXX . I was under agreement from  XX/XX/XXXX  XX/XX/XXXX  to pay my balance in full. I completed that agreement and paid my balance in full on  XX/XX/XXXX . I would like for each credit bureau  XXXX ,   XXXX    and Transunion to update my payment history with the accurate info showing my account was in fact being paid for the following months  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  of  XXXX . And for the months  XXXX   XXXX  and   XXXX   of   XXXX   as well I was under agreement at this time and was told that no payments were going to be reported late because of my agreement that I had set up with the U.S DEPT of ED.

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 04/23/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: As described in the previous complaint, which was against the CRA itself, it is impossible for me to have XXXX hard inquires waiting weeks apart earlier this year. As explained, Citibank XXXX XXXX, XXXX XXXX, SD XXXX ( XXXX ) XXXX was notified of this error in multiple letters and a phone call. Apparently, Citi thought that a letter or a phone call meant that I wanted another hard inquiry done, which I never gave them permission to do so. It is absurd to think that I would expect a different result within weeks, I merely sent a letter asking for application status, and phoned to also discuss the application and if they received my letter. Because of a possible language barrier, it appears that the citibank customer service agent simply would try to run another hard inquiry. It appears that during this time frame of only a few weeks, my credit score dropped XXXX points. Furthermore, until this is corrected, I can not apply for additional credit with anyone in fear that they will look at these XXXX erroneous requests as a desperate attempt to get credit, probably to be denied and to make the situation worse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, 2017 I went into Best Buy and asked an employee about financing a product. He told me that he would need my ID to see if I would qualify and explicitly stated that this would not cause any sort of hard inquiry on my credit report. Now I 've checked my report recently and I see an inquiry from CBNA/BBY - " Citibank North America/Best Buy ''. I would like to have the inquiry removed as I only consented to seeing if I would be approved under the conditions that the employee told me - that I would not see a hard credit inquiry.

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 06-07-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
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: After 6 months, I finally received a credit to my Macy 's account for the bracelet and gift card that I never received.
Macy 's mailed a gift card to my previous address from  XXXX  and the tenant that was living in the home at the time stole the gift card. I made a purchase from my Macy 's credit card, never received the item, was charged for the item even after it was determined the item was lost and then paid interest on the credit card from XX/XX/XXXX  through XX/XX/XXXX .
I requested a full refund, the interest that was paid on {$880.00} for the past 6 months AND credit protection for 1 year which is {$14.00} per month per   XXXX   because Macy 's accused me of receiving a gift card for {$880.00} and then trying to file a false police report.
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Macy 's caused this issue and needs to take responsibility for it. I paid for an item by credit card and the refund should have been placed on the credit card not a gift card to a 7 year old address.
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I do not like the way this situation was handled and I am requesting further investigation asap AND I am waiting for the interest to be paid plus the credit monitoring. If you want the police report you can speak to detective   XXXX   and listen to him blame Macy 's for the entire situation. Seriously thinking about closing this account and posting my complaint to BBB on   XXXX   and other social media outlets!

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