milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2016 about Credit card () with PNC Bank N.A. (NJ).
Issue: Rewards

Complaint: This complaint is against PNC bank ( XXXX ) and visa checkout ( XXXX ). Not sure who is responsible for the problem. A visa checkout offer of {$10.00} statement credit appeared on PNC bank website in early XXXX 2016. The offer was if you spent {$10.00} or more and use the visa checkout when checking out you will get statement credit of XXXX The original offer is no longer on PNC website but I got the information from internet. 
See attachment PNC Bank and Visa Checkout {$10.00} Credit Offer. 
XXXX XXXX I have called PNC bank and Visa checkout several times but going around in circles.. After calling PNC bank they told me that though the offer was on their website but the offer was from Visa Checkout and they are responsible for the credit. Then I called visa checkout and they told me to wait for 90 days after the offer expired which was XXXX XXXX, 2016. When I called them in early XXXX nothing happened and they told me they will look into it. When I called again a few days later they told me to contact PNC bank again since it was on their website. It has been going in circles for almost 4 months and there is no statement credit so far. PNC Bank telling me to call Visa Checkout and Visa Checkout telling me to call PNC Bank. 
There are following additional attachments ( Documents ) in support of the complaint : 1. Visa Enrollment-XXXX ( PNC Bank credit card XXXX enrolled for Visa Checkout ) 2. XXXX ( Enrolled card used using Visa Checkout on XXXX/XXXX/2016 ) XXXX. PNC Bank Statement-XXXX ( showing amount of {$10.00} ) Sine XXXX I have called PNC bank and Visa checkout several times. After calling PNC

Company response to consumer: Closed
Consumer complaint received 04-04-2017 about Debt collection (I do not know) with United Revenue Corporation (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company is reporting inaccurate derogatory information on my personal credit file. When I called to inquire and request validation of the debt, XXXX was incredibly rude with me. She gave me incorrect information as to how to resolve the issue and refused to send me the debt validation. The call was ended with her hanging up in my face!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Customer service / Customer relations

Complaint: I have a Kohl 's credit account. After making payment, there was a credit of {$25.00}. Which was indicated on my next statement. Since then we have received XXXX statements that say " your account has a credit balance. You may apply this against future purchases or we will automatically send you a refund check within XXXX days. '' We never received a refund check so we called and were told by rep. that it is not XXXX days. To which it is already that too. Even though this issue is not affecting our credit, it is very frustrating as a consumer that if we do this we are charged a penalty wherein they can take as long as they want to send the refund even though it is stated XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Other debt) with AFNI INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: AFNI sent me a letter they were trying to collect on a debt for XXXX XXXX. I then mailed in verification that the debt was considered paid in full by XXXX sending AFNI a copy of the letter sent to XXXX  along with the cashed check paying the debt in full. I then received another letter attempting to collect in XXXX XXXX XXXX. I then called the company and advised them that I already sent in info showing this debt was paid in full per an agreement with XXXX XXXX. I put in another dispute with the rep on this day. On XXXX/XXXX/XXXX I get notification that AFNI has added the account to collections. I have not received anything back from my dispute showing the balance was pd or the dispute I put in with the rep on XXXX XXXX, XXXX. AFNI is not practicing fair collecting or reporting on my behalf nor is XXXX XXXX because the account should be marked as paid in full as included on the payment I sent XXXX on the check itself and on the letter mailed it clearly stated upon XXXX cashing my check they in fact agreed the account would be considered paid in full and the account would be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: I Have Protection alerts and services with wells fargo, they let another person use my account, and committed fraud, which is a business account, the person who done this crime is an employee.. they let this person forge checks and credit cards about 10 different times, didnt even call me or anything, why did they let someone get into my account with out permission, or a phone call, or an email alert

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Checking or savings account (Savings account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: XXXX   XXXX  passed away  XXXX   XXXX   XXXX . We have tried to close this account several times but  FNB Financial Services LLC.  refuses to let us close this account because we do not have a short certificate.  XXXX   XXXX   (  my mother ) had a will but it was not registered. My dad is now  XXXX   XXXX   XXXX  and this the last item he wants to handle before he passes away. My dad tried to list t he Interest  from these  XXXX  accounts on his  XXXX  Tax return but  XXXX  &  XXXX   XXXX  would not allow this and informed him by Pa law they are required to give him this money. I called FNB again on my dad 's behalf but they still insist they need a short certificate. Please help me clear up this matter.   Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problems caused by my funds being low

Complaint: My debit card was lost recently. I am a waitress, which means my only source of income is cash. Without my debit card I have no way of depositing this cash into my account to maintain my balance. In the past few days while waiting for my replacement card, I have had a few automatic payments taken out of my account which have sent my account into overdraft. Because of this I now have {$200.00} in overdraft fees. {$200.00} is over half of what I make in a week, which means I am now unable to pay my rent and some bills. I have spoken to a wells fargo agent over the phone and they said they were unable to waive the fees because they were valid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: THESE ACCOUNTS BEING DELETED AND RE-ADDED THAT ARE NOT MINES IS CAUSING ME GREAT HARDSHIP AND WILL HAVE NOT CHOICE BUT TO CONTACT A LAWYER. 

I have had XXXX accounts readded to my credit report. The more I dispute the more wrong my report is causing me hardship. I can also not get access to my credit report. 
Accounts re-added are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) accounts and XXXX that is more than 10 years old. 
These accounts are being deleted and added back each month. 
These accounts below is not mines. This account was used after I opened it without my knowledge. Both accounts have been re-added to my report after being deleted. 

XXXX XXXX Credit Card XXXX XXXX, XXXX Closed 2 Missed Payments {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Closed 1 Missed Payment {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Midland Funding is incorrectly reporting that I owe them a total of {$4500.00} on my credit for two different accounts. <P/>The account number for the first account is " XXXX '' and the balance is {$2500.00}. The account number for the second account is " XXXX '' and the balance is {$2000.00}. <P/>I have never had any dealings or communication with this company so there is no reason for them to be reporting any unpaid debt on my credit report. <P/>Why did they not send a notice of my right to dispute these debts before they reported to my credit? I only found out they were on my report a couple of months ago and since then, I have been disputing these accounts for deletion. <P/>I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with Mendelson Law Firm (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX, XXXX is trying to garnish my check for {$550.00} plus other fees which will bring the total to {$740.00}. I am not responsible for this account because my identity was stolen. This account has been closed for years. I have communicated this with XXXX XXXX, XXXX and XXXX XXXX XXXX on numerous occasions. I work hard, and do not want my credit file negatively affected by 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 explanation
Consumer complaint received 03/29/2015 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Managing the loan or lease

Complaint: I got a loan with Avant Credit XXXX {$2500.00} and I made XXXX payments of {$110.00} which totaled {$2200.00}, I still owe a total of {$1500.00} which in total calculates to XXXX, which means that the loan 's interest rate is 160.056 %, I am unable to find the original documents and have attempted to contact the company. I believe that the loan violates the Truth in Lending Act and specifically 15 U.S. Code 1602, 15 U.S. Code 1666i-2borrowed 2500paid XXXX XXXX owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is a continuation from earlier, This retaliatory ( eviction ) Unlawful detainer, to evade laws and accountability, has some incompetent jurisprudence/bias, and these stupid blunders from county clerks, hurried up and reported subreption, idiots!!!! LIKE I said earlier with transunion 's blunder, ALL ___XXXX credit reporting agencies____ need to be accountable. There arbitrary denial to allow me to view online, unless I pay. OTHERWISE I have to wait until XXXX, 2015 to legally get a report free of charge. This XXXX slumlord was reported to XXXX code inspectors for countless state law violations, of trying to defraud me with unrentable worthless property. This XXXX retired XXXX decided to abuse his authority and my due process rights and rewarded criminal negligence, fraud, and tortious breach of implied warranty of habitability, NOW I appealed this to the California XXXX XXXX XXXX, this careless idiot, circumvented irrefutable proof. Hardly a rock solid case against myself and my wife ( OBVIOUSLY THE INJURED PARTY ) bias/incompetence and judicial misconduct does n't allow this sloppy, inaccurate, harmful errors!! LOT of controversy here. PLUS, I have rented 35 years, NEVER been evicted. emphasis added. I do n't start now, because I moved to an homeless dreg, no income town, full of complacent slumlords, and sloppy code compliance, this defunct city of XXXX, ca is also grossly negligent, breach of there statutory duties. INTERTWINED ISSUES, DISGRACEFUL XXXX OF JUSTICE. Incompetent reporting of deceit to harm me and my wife is a TORT violation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I phones Midwest Recovery Systems at XXXX in regards to a missed call. (I also noted that a negative comment was placed on my credit report by this company XX/XX/XXXX). The young lady I spoke to told me I had a debt of $XXXX. I explained to her that I had filed chapter XXXX bankruptcy in XX/XX/XXXX and that it had been discharged XX/XX/XXXX. She told me that it did not matter and that I still owed the money from a loan that was taken out from My Next Day Cash in XX/XX/XXXX. I explained to her that the bankruptcy cleared all debts and she just hung up the phone. This same company had phoned my 2 years ago and I explained to them then that I was in chapter XXXX and even offered to send them a copy of my discharge papers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax has been and is reporting inaccurate information about the following accounts on my credit report without verifiable proof. I sent certified mails to Equifax asking about the verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from Equifax of the inaccurate information and I didnt receive it from Equifax. Since Equifax doesnt have a verifiable proof of the inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following accounts should be deleted immediately. Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Equifax on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Equifax onXX/XX/XXXX : XXXX. The following accounts which should be deleted immediately are : Creditor Name : XXXX XXXX Account Number : # XXXX**** Creditor Name : XXXX XXXX  Account Number : # XXXX**** Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : #  XXXX**** Creditor Name : XXXX XXXX  XXXX Account Number : #  XXXX**** Creditor Name : XXXX Account Number : # XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been trying to resolve this issue with Equifax for over four months with written requests and certified mail requesting " 3 '' times for this single incorrect unverified information to be removed from my credit report. This is not my debt and this has negatively affected my life.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: On X/XX/2017 I contacted my Federal Student Loan service provider, NELNET. I was attempting to obtain an amortization schedule. An amortization schedule is not available via their website and my Mortgage lender was requesting one. No one at NELNET was able to provide one. I spoke with XXXX XXXX at one of the east coast service center and she stated that she would not provide one even though they had them for their internal records. They advise that since they change my payment at anytime with a 30 day warning that the amortization schedule was not allowed to be released to me. As borrower I should be able to have this documentation for my records yet they refused to provide anything that could not be printed off their website.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
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: XXXX continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax used my report improperly and leaked my personal information to the public. Due to their incompetence, I will forever have to worry about my credit being used maliciously and without my permission. 

This is extra stress and suffering that 143 million Americans did not need.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I reporting  Caine & Weiner  in regards to an account listed as  XXXX   XXXX   XXXX  in the amount of {$170.00}. This debt does not belong to me. I have disputed with the original creditor as well as the  Credit  collector agency. I am requesting that upon receipt of this complaint that the debt be resolved as it does not belong to me. If this information is incorrectly reported to the credit bureaus I will file a compliant with the BBB against the company and creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CO).
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: On XX/XX/XXXX I was using American Express Travel website to book a hotel in a foreign country for a family holiday. I selected the XXXX XXXX XXXX. There was nothing stating on the website that this booking was " non-changeable or non-refundable ''. I mistakenly selected the dates of XX/XX/XXXX-XX/XX/XXXX instead of XX/XX/XXXX-XX/XX/XXXX. When I became aware of this mistake, I contacted American Express and Amex Travel in an attempt to modify these dates and after several days of back and forth I was told that the hotel refused to change the dates, refund my charge or remedy the situation in any way as they told me it was a non-refundable/non-changeable reservation. I went back to the website where I book the hotel and there was nothing on the main page ( as there was with other hotels on the Amex travel site ) stating these policies. I looked deeper and saw a hyperlink on the room details section in small letters stating " room restrictions and cancellation policy ''. When I clicked on this link I found where they had hidden and buried these important terms. Had this been up front on the main page, I never would have booked with this hotel. THESE ARE UNFAIR AND DECEPTIVE PRACTICES! I have attached the deceptive website pictures and descriptions from the AMERICAN EXPRESS TRAVEL website who participate in these deceptive tactics. I continued to dispute with both American Express and Amex Travel but apparently they care more about protecting a foreign deceptive hotel then a cardholder since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On my credit report it has my name as XXXX XXXX instead of XXXX XXXX & one of the addresses is wrong it has XXXX. XXXX XXXX XXXX Ky I have no clue who 's address this is I have never lived in XXXX ky

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In previous correspondence I have requested a new point of contact and not the person whom previously failed to grasp knowledge and understanding of my accounts and failed to control herself in conversation and continually interrupting questions and answers. I contacted and emailed the corporate headquarters to make this request for a new point of contact and due to my hectic work schedule, it is my request that I receive no phone calls until and after XXXX. All correspondence should also be placed in writing and sent to me via email and or at my home at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Additionally I would like to make the request for a full Amortization Schedule, as it would clear up any further confusion by the Wells Fargo Home Mortgage Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: . 
EQUIFAX fails to remove the XXXX XXXX account information. EQUIFAX reports incorrectly the account CREDIT LIMIT is {$4000.00}. EQUIFAX reports incorrectly the SCHEDULED PAYMENT AMOUNT is {$130.00}. EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (PR).
Issue: Fraud or scam

Complaint: Hello, recently I noticed a transaction in my paypal account for XXXX $ this transaction is fruadulant and now I 'm missing XXXX $ that was going to be used to pay bills. I live paycheck to paycheck and now I 'm behind. I contacted paypal about this and they said it would be reviewed but then they did nothing! They just silently closed the review case. I got some details on who scammed me including personal information and I do n't know what to do. I want to press charges on them!! And make them pay for this but more importantly I want my money back!!

Company response to consumer: Closed with explanation