milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2018 about Debt collection (Other debt) with Focus Holding Company (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: IT started with XXXX XXXX i called them up XX/XX/XXXX for shipping boxes and called three straight weeks with my address did not get, i do owe XXXX XXXX and did my best to pay bill but got nothing back from them until i got a call from XXXX XXXX mange about bill.XX/XX/XXXX they said they had all my information but did not have my address. They put collection on my credit before they called or got any thing in the mail, i have lived at this address for three years, the address they had was rental for a family member which the cable was in my name.so i called them a day later to make a deal if they would write a letter to clear negative remarks on my credit and i would pay bill they said they won t do that. so they refused my money to pay off bill they wanted money first then send letter saying it was pay, they wanted my new existing address i will not give to them once again i will pay this. But the thing is they messed my good credit up and did not let me know until after they put in for collection. Did not give me a chance to pay off bill i worked for years to get my score up and they screwed  it up by not contacting me they had my cell but got no voice mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have some collection removed from my file in XXXX 2017,  then after awhile I look at XXXX and Trans Union and they were back on my file.

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 08-04-2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have loans with AES and last year they purchased another private loan of mine from XXXX. After purchasing the loan from XXXX they are consistently applying payments from my original loans with AES to the loan they purchased from XXXX. This seems illegal if I made an agreement with XXXX XXXX and a separate agreement with AES the handling of payments should be kept separate, but this is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have earned over 300,000 Membership Awards points with American Express. My current balance of points is XXXX. On XX/XX/2018 I attempted to redeem points for gift cards. I received a message saying " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I called American Express on the XX/XX/XXXX to inquire and again today on XX/XX/XXXX. Today they told me it would be an additional XXXX weeks for my purchases to be analyzed. 

This is an unfair practice by American Express. I earned my points legitimately and now when trying to redeem are blocking me from doing so. I feel this is a bait and switch technique. American Express should release my points immediately or complete what should be a simple review within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian shows that I owe {$2600.00} to XXXX XXXX, but this debt was paid in full in XXXX of 2015.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX XXXX Account # XXXX Equifax To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: Using a PNC Flex Visa rewards credit card, I earned XXXX points. I redeemed them for XXXX {$100.00} XXXX gift cards. The cards were shipped on XXXX/XXXX/2015. On XXXX/XXXX/2015 XXXX closed my account and banned me for life for buying too much ( spending $ XXXX per year ) and returning too much ( around XXXX % of items bought were returned ). The merit of XXXX refusing my business is highly questionable, but in any case, they have refused to allow me to redeem my gift cards, even though they are, by legal definition, something a consumer purchases in return for guaranteed consideration for goods and services. Regardless of that fact, they would not refund my money. I opened a case with the PNC bank rewards people, and after 60 days of runaround, they finally informed me that they will not accept the cards for return. According to their terms and conditions, one of the only circumstances under which a reward can be returned is if the reward becomes unavailable after a consumer orders it. So I ordered it, and that reward became unavailable to me afterward ( before I received it in XXXX, 2015 ). They should take the cards back and refund my points balance. It is unacceptable for a consumer to be left in a position where they 've paid cash equivalent for something and yet get nothing for it. XXXX should not be allowed to deny the use of valid gift cards, and PNC Bank should not be allowed to deny me returning a reward that has become completely unusable before I ever even received it. The bank uses rewards programs to attract and retain customers as well as entice them to spend money on credit cards. PNC Bank succeeded at doing this to me, yet failed to provide a reward of the value guaranteed as part of the rewards program.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There are XXXX accounts in my name. XXXX is mine.

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 02/16/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Regarding erroneous item Carecredit/XXXX XXXX_acct XXXX reported by XXXX XXXX  to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX XXXX is reporting this account as " Collection '' when they have not legitimate claim, and has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. Synchrony refers to " Care Credit '', which is a debt that was satisfied two years ago, assumes they are one and the same accounts. Synchrony has most recently communicated that they have terminated collection efforts on the account, but will continue to report activity on it, which they have not right or claim to do. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX XXXX  has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

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 06/15/2017 about Debt collection (I do not know) with American Credit Financial (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I received a voicemail on XXXX XXXX, 2017 from XXXX XXXX w/ XXXX XXXX XXXX advising that she received documentation in her office w/ the name XXXX & her SSN. XXXX is a former coworker of mine. XXXX XXXX indicated on the voicemail that if XXXX did not contact them they would serve me and another former coworker. Today, X/XX/2017, while at work, I received a call from XXXX XXXX advising that I would be served if XXXX did not contact the party that sent the request to her office. She provided a phone number XXXX & case number. I advised her that I have never cosigned for anything of XXXX 's so I should not be listed. I called the number & was advised it is for American Credit Financial. They refuse to provide information to me.They only insist that XXXX call. They, American Credit Financial & XXXX XXXX XXXX, are acting in a very threatening way as the voicemail indicated they would attempt to serve me at my job & home. They refuse to advise if I was simply listed as a reference or if I am responsible for a debt. Please help because I can not make the debtor call when they clearly do not want to.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am requesting an Emergency Lock down on my credit, In the month of XX/XX/XXXX I received XXXX inquiries all within a 10 day period. I gave no consent for these and now I 'm suffering because I wish to obtain credit for legitimate purposes and these inquiries are holding me back. I have submitted a screen shot from Credit Check Total Page showing these Inquires. If you could please get rid of them asap, as me and my girlfriend, ( soon to be fianc ) and planning on buying a house THIS YEAR and need a tight 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 12-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I did an online purchase at XXXX XXXX XXXX for a sofa. Their website stated that they would charge a 50 % deposit once the order was confirmed by the local store and a swatch of the material was delivered. Instead they posted a pending charge for the full amount. I asked the eCommerce site to delete the hold and they did not. I asked Citibank to delete the hold and they stated that they could not do so, I can not do so, only XXXX XXXX XXXX can do. However I can not get anyone in XXXX XXXX XXXX to make the call to Citibank. In the meantime they placed an additional pending hold again for the full amount so now my credit line is reduced by XXXX. I cancelled the order and XXXX XXXX XXXX says the pending holds should drop off in a few days. They refused to make a call to Citibank. This is not acceptable. Credit card customers should be able to instruct the card company to delete pending holds. It is outrageous that we do not have control over that function. I need to buy new XXXX XXXX and the reduced credit line is preventing me from doing so. I need this fixed now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX Transunion XXXX XXXX XXXX I was looking at my Credit Check Total credit report and i noticed that XXXX and Transunion are reporting two unknown inquiries on my credit report. The inquiries have not been applied for by me. The inquiries are unauthorized and fraudulent. I was able to add a security freeze on my credit report so this does not happen again. I also spoke to customer service agents from XXXX and Transunion and requested that the fraudulent inquiries be removed from my credit report. The bureaus will not remove the inquiries from my credit report and they will not give me a reason. I do not know what to do.

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 04/26/2017 about Debt collection (Credit card debt) with Midwest Recovery Systems (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a debt collection letter stating I owe. on the bottom part of the letter is a notice to challenge the debt with validation within 30 days or else they will assume the debt valid. I sent a certified debt validation letter which was signed for, then a month later received the same debt letter with the same notice to challenge the validity, but with a different creditor.   how should I handle this? do I have to keep validating until i actually get the real validation so i can move forward?     the debt is time barred its o ver 10yrs attached are two jpegs of the letters received and my validation letter sent i can supply proof of certified letter with post office if needed

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: Citi card services has been constantly calling me on a Saturday afternoon ( more than XXXX times daily ), to collect a late payment ( only a XXXX late ). It is not reasonable to call this often, when a single message would be sufficient, especially considering it 's an account in good standing and only this XXXX payment has been late. Number being called from : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Making/receiving payments, sending money

Complaint: A number of Wells Fargo bank accounts and other WF products were opened by XXXX XXXX and other Wells Fargo employees at multiple Wells Fargo locations without my consent. I want a full investigation as to determine how many accounts were opened, including all Wells Fargo products, why and how did this happen. I want the money returned that moved through these accounts and all WF Fees creditied. I also need an identity theft letter from Wells Fargo and compensation for costs incurred as a result of WF staff using my name and identiy to open accounts. I want a full investigation please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am in receipt of the attached Equifax report number XXXX, dated XXXX, and discovered the following reporting problems which Equifax is placing the blame on XXXX XXXX : 1. The FCRA requires creditors to provide their name address and telephone on the credit report to allow consumers to dispute inaccurate information directly with the creditor. 

Please note the number ( XXXX ) XXXX, XXXX is listing on the report does not provide contact with XXXX but is a telemarketing number, which not only blatantly ignores the law but selling products while doing so takes arrogance to a completely new level. 

2. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XX/XX/XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month on both accounts where is the data from XX/XX/XXXX to present? 
3. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and shows no data on the account prior to XX/XX/XXXX, how is this possible when both accounts had been established since XXXX? Where is the data and why was this reporting information being withheld from Equifax? 

4. The credit limit on both accounts is {$3800.00}, on each account why is the credit limit on the Equifax , credit report listed at {$2500.00}, which is showing an inaccurate credit to debt ratio and lowers my credit scores. 

5. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, how is this possible when payments are made each month, where is the data from these months and why is the information being withheld from Equifax. 

6. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month where is the data from XX/XX/XXXX to present and why is this information being withheld from the credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CO).
Issue: Problems when you are unable to pay

Complaint: WELLS FARGO AUTO LOAN ( Dealer Services ) Ran into a bumpy month and the payment declined. ONLY problem we have had paying in about two years on the loan with them. Normal monthly payment {$360.00}. Called to tell them I would pay the XX/XX/XXXX. Go to pay it two days later, on the XX/XX/XXXX - the overdue and the current month- totaling {$720.00}. Am informed they wo n't allow me to pay online or accept my bank check. I can only pay over the phone and the only amount they will accept is the full amount with fees which is now {$980.00}. I said I do n't have that the woman on the phone became nasty. " Why, why ca n't you pay what are you doing with your money what is more important than paying for your car? '' Seemed to enjoy it, smile through the phone. Refused to accept any payment from me and also told me " I do n't care what you was told yesterday, today I am not taking that payment over the phone. '' So they wo n't accept my money after charging more than I owe and can afford after almost two years of perfect pay history and treated like a scum bucket for trying? So what can you do?

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 10/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: A " XXXX XXXX '' texted me about purchasing my bed from XXXX on XXXX XXXX, 2015. He sent me a cashier 's check for {$2200.00} on XXXX XXXX, 2015. The bed was {$900.00} but he sent me extra to pay the " movers '' {$1300.00}. On XXXX/XXXX/15, I discovered via on-line banking that the cashier check cleared and {$2200.00} was deposited into my account. Per his request, I paid the " movers '' through XXXX XXXX on XXXX XXXX, 2015. The same day he texted me again telling me he needed money. He asked me to send him {$670.00} out of what he had sent me for the bed. Red flags came up immediately and I told him no. He said he needed to pay medical bills and pay their private physician who he named " XXXX XXXX. '' He wanted me to send " XXXX '' the money through money gram. Now I had already sent the " movers '' {$1400.00} from the money " XXXX XXXX '' sent me. I told him I 'd rather just refund him the rest of his money and cancel the transaction. I felt like this was fraud and he was trying to get me to send money to people he knew. I sent him {$180.00} on XX/XX/XXXX and told him I 'd pay him the rest the next day when the bank was opened. He agreed that I would send him the rest of the money back through money gram. I did n't send him anymore funds. On XXXX/XXXX/15, I learned that the cashier check was " bad. '' Had the cashier 's check not cleared ( it initially showed it was processing, then showed it had cleared on XX/XX/XXXX ) on my on-line banking statement and the funds not been deposited into my account, I never would have sent " XXXX XXXX '' any funds. A BOA representative informed me that because of my good credit history, the cashier check was honored even before it was confirmed to be bad or good, which I ca n't believe. And stated that I should have taken the additional step of calling the bank or going to the bank in person to confirm the cashier 's check had cleared. At no time prior to this transaction was I informed of this by BOA. I, like many others, believed that when any type of check shows to have cleared and the funds have been deposited, the check is good. BOA knows many people are under this impression. Yet, it does not educate its clients about this particular deceptive practice and allows it to continue. I am appalled that this practice is allowed to occur. If a check is not confirmed to be " good '', why does BOA allow it show ( on on-line banking ) it has cleared instead of just letting it show it is still processing? There must be thousands of current and former BOA customers that have been victimized by this particular deceptive and misleading practice. It needs to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation