milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Advertising and marketing

Complaint: The flight attendants on several of my XXXX XXXX flights got on the intercom and advertised that I would get a free ticket and extra miles for signing up for the XXXX XXXX / Bank of America credit card if I submitted my application while I was on the flight. I filled out the application and handed it to the flight attendant. The credit card I received in the mail was different than the XXXX advertised. What they did n't tell you on the flight is that they have XXXX classes of credit cards, and only XXXX of them has the benefits they advertise. I got the one without the free ticket. I also never got the extra miles that were promised for signing up on the spot. Once I realized I 'd just experienced a classic bait and switch, I refused to activate the card. I also called and cancelled the account. The customer service rep. told me that the annual fee would be waived. A couple weeks later, I received a bill for {$50.00} for the fee that had allegedly been waived. All in, it took three calls to customer service for the account to be closed and the fee to be waived. I love Alaska XXXX. It 's unfortunate they are pitching awesome benefits with no qualification and then delivering something else. The last customer service rep. mentioned that he had heard this complaint XXXX times. At best this appears to be ignorant flight attendants, but it feels much more like deceit.

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 06-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: With reference to my XXXX XXXX 2016 Case Number XXXX with this consumer agency. 
Why is XXXX being allow to send this open case to a collection agency and continue to harass me with emails and unregistered phone calls while not providing a proper response to this CFPB claim? ( I now have reason to believe that XXXX has filed a negative credit report with XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found that my information was combined with another person 's on my Experian credit report, so I contacted Experian and filed a dispute about the incorrect information. However, Experian refused to correct their mistakes : there 's another person 's name on my file, and there 's still an adverse account that does n't belong to me listed on my credit report. I DO N'T recognize the other person 's name, NEVER had that account, and my credit reports from XXXX and XXXX do n't have such nonsense. I 've contacted Experian OVER XXXX times and wasted too much time because of this nonsense.

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 12/27/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: XXXX XXXX XXXX, issued withdraw to bank account from the website via sepa transfer. Should arrive in 1-2 days as usual. 

XXXX XXXX, issued a ticket on the website it did not arrive. Status on website says Pending, not Completed. 

XXXX XXXX, asked again for a response. 

XXXX, received a copy paste message about a different subject ... Deposit instead of withdraw. 

XXXX, posted again Till this day no response. 

Ref Id. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NC).
Issue: Fraud or scam

Complaint: I sent a payment for a replica wrestling belt through paypal and they said they were keeping the money and that i violated federal law by buying overseas.i even called and told them what i was doing and was told the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company failed to provide me with my signature to validate the debt. Only send credit card statements saying this is there validity.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Payday loan () with CHECK INTO CASH INC. (TN).
Issue: Charged fees or interest I didn't expect

Complaint: I am trapped within XXXX payday loans and was unaware that there is a {$500.00} Max for Payday loan. The lenders did let me know that I could only have XXXX loan of {$500.00}, because of this I am unable to cover all of the loan payments. They kept wanting me to rewrite the loans and start over. I am trapped in a never ending cycle and do n't know how to overcome this situation. Please advise?

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (PR).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX XXXX after getting my credit report, I noticed I do not have any credit scores reporting. I am an authorized user of the XXXX Credit Card since XXXX belonging to my husband. I have a card in my name so I called XXXX which referred me to XXXX XXXX and was advised that they do not report authorized users. After this, I told them I was going to contact CFPB to clarify this issue. I contacted by phone your agency and was told that if I have a card in my name they are supposed to report to the CRA 's. I informed XXXX XXXX of the information received by your agency and they were going to look into the matter. Nevertheless, after reviewing my credit report again in XXXX XXXX, the issue has not been addressed. By these means, I am appealing to you for assistance in resolving this matter, since I am in the process of purchasing a home and I need this to be reported on my credit report. XXXX actually reports to the three CRA 's so I should have all three credit scores since 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 08-05-2015 about Debt collection (I do not know) with High Point Asset Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Has repeatedly called and harassed me. Always requesting personal information. Refuses to give any information regarding the " debt ''. Extremely rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong address on my Equifax credit report. This was from a collections agency who took an incorrect collections off my credit report, but left the address on the credit report. I have tried multiple times to contact the collections agency to resolve this but can not get an associate to pick up the phone. The wrong address in question is : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXX XXXX account, and in XX/XX/XXXX updated complaints, Most importantly, from XX/XX/XXXX to XX/XX/XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.

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 07-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: Hello, I received a targeted mailer in the mail ( See enclosed attached Pic # 1 ). I opened a Citigold Checking Account with that promotion ( See enclosed attached pic # 2 for promo disclosure ) for XXXX AAdvantage Miles after spending {$1000.00} on the debit card and completing XXXX bill pays in 2 consecutive months. The promotion code was XXXX. I called Citigold Customer Support and confirmed that I was eligible for the promotion before opening the account, and then after opening the account I confirmed that my account was eligible for the promotion. After completing the requirements, I contacted Citigold through a secure chat and confirmed that I had completed the requirements and that the miles would be posting to my account ( See enclosed attached pic # 3 ). The rep responding confirming that I have met the requirement in detail ( See enclosed attached Pic # 4 ) and said I will be getting my miles 90 days ( XXXX/XXXX/2016 ). After XXXX XXXX came and went, I contact Citi again to ask when the miles would post. They placed an inquiry request on my account to look into it, and I was then notified that my account was not targeted and I would not be receiving the promised miles ( See enclosed attached Pic # XXXX ). I believe Citi should honor the promotion they promised, since I was targeted, confirmed with Citi that I will be receiving the miles, then did n't. This was a very frustrating and harrowing experience for me, and Citi should remedy this.

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 08/16/2017 about Debt collection (Payday loan debt) with Global Credit & Collection Corporation (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This complaint is not about XXXX XXXX XXXX. A gentleman keeps calling me stating he is with Global. He has attempted to set up payments for a debt that global is trying to collect on. I have not received any initial communication letters from Global and when I asked for a address to send a certified letter he got frustrated and told me he did n't have an address. He has n't given me a full name of the collections agency so I ca n't do my own research. I asked for validation of the debt and he told me no, that he would email me the initial communication letter. Today, while at an appointment I had to stop his call 3 times. The first time I called him back was because I had a threatening message on my voicemail about getting served at work. Clearly a scare tactic as I have no proof of the debt. This message was also left on my mother and my husbands phone. I attached a screen shot of the voice mail.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX XXXX accounts that I know are past the statute of limitations, this agency is trying to advise me they will not honor my request nor remove the items. This is against the FCRA. These items have been re aged and I want removed. XXXX 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 explanation
Consumer complaint received 02/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recent monitoring of my credit reports shows an account XXXX listed by enhanced recovery collection agent in the amount of {$1700.00}, from a original creditor, t mobile, i hereby dispute that this account is in error, unverifiable and inaccurate and should not been reported to the my credit reports, i have not receive any correspondence about this debt from XXXX or the collection agency verifying this debt and providing contractual agreement bearing my wet signature and identification. Reporting of inaccurate information from debt collectors to credit report is against the fair credit reporting act and i demand that this issue be addressed immediately, i demand that such report be removed from my credit reports immediately, i also demand verification of debt from the collection agent providing with the contract with the said creditor bearing my wet signature and identification and itemization that amounted to said amount reported on my credit reports, failure to do so will warrant a legal action for defamation of my credit report and unscrupulous means of collecting debt. The items reported to XXXX and any other credit reporting agency should be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Credit reporting () with General Information Services, Inc (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I applied for employment with the XXXX XXXX company and was offered a position. They conducted a background check and credit report, which I agreed to. The company that provided the report is GIS. The only thing that showed up on that report was a criminal charge that was in public record. I have not been convicted of anything, as this is still an ongoing case. I spoke to the manager at the XXXX XXXX location that I was offered the position at and they informed me that, due to that charge showing up on that report, they were retracting their offer for employment. I contacted GIS to discuss this matter and they told me as long as it is public record they can report anything, regardless of conviction status. Also, the arrest date in the report is incorrect. I have been completely honest with XXXX XXXX throughout the entire hiring process. I disclosed all charges that I had been convicted of, which is all that was legally required of me according to my attorney. This report essentially makes me appear dishonest. Also, in the section on the report titled " Social Security Validation and Death Master Index Check '', the company reported that my Social Security number was issued between XXXX and XXXX. It was actually issued in XXXX. This report is riddled with inaccuracies and I consider it detrimental to my future employment opportunities with XXXX XXXX or any company that uses GIS for credit/background reporting. I have a child on the way soon. I can not afford for this type of mistake to hinder my financial future.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2018 I noticed a credit inquiry from XXXX XXXX XXXX. As I do not shop at XXXX XXXX XXXX I do not understand why it would be on my credit report under the XXXX credit bureau. Iam unsure if it appears under the other 2 bureaus as well. I can not understand why I would want an inquiry from a company going out of business and not even issuing credit cards anymore to my understanding. I would like it removed as it dropped my score I believe like 7 points.

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 02-11-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have reached out to Experian Credit Bureau by mail and by phone. Explaining to them that this account on my credit report are inaccurate. Such as follows : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, and 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 12-02-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Fraud or scam

Complaint: I purchased a Blue Bird AMerican Express card for {$20.00} from XXXX. I set up my account with them and had {$850.00} transferred from my checking account to my American Express Blue Bird card. In XX/XX/XXXX American Express put my account on hold requesting a copy of my bank statement. My husband emailed them a copy of the bank statement. American Express said they can not except my bank statement and shut my account down. They refused to give me access to my {$870.00}. I was told I had to wait until XXXX XXXX. On XXXX XXXX I could go to the State of Wisconsin and claim my " unclaimed property '' Today XXXX XXXX, 6 months later the state of Wisconsin does not have any unclaimed property in my name. I called today and was told they can not tell me when my money will go to the state of Wisconsin, but it will.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Servis One, Inc. (VA).
Issue: Closing on a mortgage

Complaint: I held two HELOCs with BSI Financial, loan numbers XXXX and XXXX. I refinanced XXXX and sold the property associated with XXXX. In each case, BSIF withdrew funds out of my personal checking account after closing the mortgages. Loan XXXX. We closed on the refinance XX/XX/XXXX. On XX/XX/XXXX, withdrew the monthly payment as if the motgage were still active. BSIF stated the title company did not return the correct documents to them. The loan payoff had been received by the BSIF. I followed-up and sent the documents even though they were in the closing packet sent by the title company. BSIF subsequently returned the funds. Now, XX/XX/XXXX, a month later, another payment for the same account has been removed from my personal checking account.
Loan XXXX. We closed the loan on XX/XX/XXXX. I ensured the same forms were signed and included in the title package. Funds were transferred after the close of the sale and I received wired funds within my personal account same day. Now, XX/XX/XXXX, BSIF has withdrawn a payment from my personal account as if my loan were still active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (Conventional home mortgage) with AmeriHome Mortgage Company, LLC (AZ).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I logged into my Amerihome Mortgage online account and entered 8 payments. I received confirmation numbers for each payment in separate emails. On XX/XX/XXXX I noticed that only one payment was debited from my bank account. I called Amerihome Corporate office and was transferred to customer support, who told me that although I had payment confirmation numbers, only one payment would be processed and the others were canceled. I was allowed to enter these payments and I did not receive emails about the cancellations. I then asked for and received payoff information and was told that I would receive a fax with the same information within two hours.After two hours I called back to see where my fax was and requested an email with the payoff information as well. I was told the email would arrive within 24 hours. It has now been 24 hours and I have not received either the fax nor the email. I do not trust Amerihome and would appreciate cfpb involvement so that I can payoff my loan.

Also, the information about my loan on the Amerihome website is incorrect, showing incorrect interest and principal amounts.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STATE FARM BANK, FSB (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation sent po report and idtheft gov not mine state farm and XXXX taking more than 30days

Company response to consumer: Closed with explanation