milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I am in Citi ThankYou card program with XXXX points on the statement as of XXXX/XXXX/XXXX and got reduced to XXXX points on the statement as of XXXX/XXXX/XXXX. It was forfeited by XXXX points. Their reason is my XXXX was canceled and wo n't give me back my earned ThankYou points. I totally disagree with and like to dispute them. 

1. I have XXXX Citi preferred ThankYou XXXX cards since XXXX. I 've consolidated the ThankYou points I accumulated long time ago as they encourage their clients to better use and manage the ThankYou points earned. The consolidated points were shown on my monthly statements. There is ONLY XXXX SUMMED POINTS for the XXXX cards without any separate accounting records. 

2. As the same effort to better manage XXXX same cards, I requested Citi to consolidate my credit limits to XXXX card instead of XXXX in XXXX. They did n't grant me so I just use XXXX card to simplify my spending and accounting activities. I received a letter from Citi a few months ago stating that my inactive card was canceled. They wo n't restore my inactive card and the card was canceled without my consent. I have perfect credit records with every loan and credit card I have. I suspect they broke the law of fairness in credit card application. 

3. I am aware of my ThankYou points live with my valid credit card. However, Citi does n't state that the consolidated points will forfeit and they do n't show anywhere on my monthly card statements. I asked their agent the time I consolidated who told me my points will never lost as long as the consolidated account is open. XXXX summed points CAN NOT DIFFERENTIATE THE POINTS of XXXX card or another. Any redemption I had was deducted from the XXXX summed points in my monthly statement. 

Obviously Citi 's ThankYou points ' consolidation is neither clear/clean explicitly nor customer friendly. There are flaws in their system design and operations that are not fair or even lawful to their customers. I CAN NOT BE the VICTIM of THEIR PROBLEMATIC SYSTEM! 

It is unfair to cost customer 's interests for Citi 's mistakes. It is even not ethical or lawful to trick customers if intentionally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with Jim Bottin Enterprises, Inc (MD).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , MD  XXXX   Agreement number:  XXXX  To whom i t may c oncern : I signed up  for 1  membership. For the last year I have been charged for  XXXX  memberships. When I contacted the gym they acknowledge the error. They said they had been charging my credit card with my son 's membership bill because we have the same na me ( he  is a  XXXX   ). Th ey said if they are successfully able to charge the correct account they will remove the additional charges from my account, but if they are not able to charge the correct account they could n't remove the  XXXX  membership charges from my account. I have been unable to get any further information on the status of correcting the account other than " they are working on it ''. My son has his own credit card and is an adult,  XXXX   XXXX   XXXX . I do not pay his bills.   This is an account error within the company 's billing system. Customers should n't be charged or penalized for the company 's financial mismanagement of customer account.   I am requesting a refund in the amount of {$210.00} and for  XXXX   XXXX   XXXX   XXXX  to  be notified of ABC Financials billing error and stop collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XX/XX/XXXX/XX/XX/XXXX I applied for online offer ( see attachment # 1 ) from American Express for an AMEX SPG credit card that would reward you with XXXX SPG ( Starwod Preferred Guest ) ponts, if you spent {$3000.00} within the first 3 months and an additional XXXX SPG points if you spent an additional {$2000.00} within the first 6 months. My application was approved and I was issued an SPG AMEX card ending in # XXXX. I did spend {$5000.00} within the first 6 months as advertised and I called AMEX to find out when I would receive my XXXX SPG bonus points? The AMEX rep advised that I needed to wait another 1-2 billing periods. I called back again in XX/XX/XXXX and was advised that I did not qualify for the promotion because I had an AMEX card 3 years before. On XX/XX/XXXX, I sent an email to the CEO of AMEX, XXXX XXXX, ( attachment # 2 ), explaining my disappointment with the marketing of the AMEX SPG card, as AMEX had all the information on my prior AMEX cards before approving my application for this offer, so I assumed I was approved for the AMEX card and the offer. If I had not been approved for this card, I could have applied for an AMEX SPG Business card or to a competitor 's promotional offer, rather than spending {$5000.00} with AMEX. I received a response from XXXX XXXX 's office ( attachment # 4 ) echoing the explanation given by the AMEX rep. On XX/XX/XXXX ( attachment # 3 ), I sent another email to XXXX XXXX ( Assistant to XXXX XXXX ) of AMEX, detailing why I felt that offer was deceptive or misleading and deprived me of fulfilling a promotional offer from another credit card company and AMEX 's email repeated the same response as their prior email ( Att. # 4 ) I then forwarded my complaint to the Consumer Protection Bureau of the PA Attorney General 's Office ( attachment # 5 ) .and in XX/XX/XXXX I was advised they could not resolve my complaint with AMEX ( attachment # 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Unexpected or other fees

Complaint: I live in the State of Connecticut. I Received an American Express Serve Card as a gift on XXXX XXXX XXXX for an amount of {$150.00} I did not use the card. Today XXXX XXXX XXXX I went to check the Balance and it is {$95.00} I contacted the company and they said that they had the right to charge me a monthly service fee of {$4.00} starting 30 days after purchase of the card because I did not register the card. They said if I had registered the card the monthly fee would have been waved.But no where on the card does it say that. I thought that in the state of Connecticut they could not charge a fee for the first XXXX Months.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from National Credit Systems demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Back in XXXX or XXXX I bought a phone plan for one year but the salesman contracted me for two years and I refused to sign the contract. I contacted XXXX about the issue, was told by them they ca n't make changes, all adjustments must be made at place of purchase. When I returned to the store it was under new management ( a ploy to avoid me ), I returned the phone by mail within the specified return dates then two years after the harassment began from several debt collectors.Convergent Outsourcing Inc. is very consistent with their threats and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TD BANK US HOLDING COMPANY (MD).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: XXXX has reported me late and i have not received a bill on the cycle reporting

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am writing because XXXX XXXX has a credit collection account reporting on my XXXX XXXX and XXXX credit report from Diversified Consultants. The account shows as paid, but it is still a collection account. I never paid Diversified Consultants. I have only dealt with XXXX XXXX. I paid XXXX XXXX directly. 

It is false reporting for Diversified Consultants to report I have an account with them and that I paid them. I am requesting that Diversified Consultants remove this collection account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Fraud or scam

Complaint: Paypal.com is perpetuating a SCAM by allowing XXXX XXXX XXXX of XXXX XXXX XXXX to continues to collect monies via PayPal.com from his Website XXXX <P/>I placed an order in XXXX XXXX of 2016, and never received my order. <P/>I am not alone hundreds of people ordered from this " seller '' and never received either cuttings or trees. PAYPAL KNOWS about this, and have not stopped him from collecting more funds ... I spent around 50.00, ( Transaction ID # XXXX ) some people have spent over 4,000.00 U.S.D.! NO ONE has gotten either cuttings or trees for over a YEAR and a HALF! <P/>Yet I can put a tree in my shopping cart via pay pal ... .PAY PAL is complicit in FRAUD! <P/>See : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XX/XX/XXXX-inquiry without approval or knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX- inquiry without approval or knowledge XXXX-XX/XX/XXXX-inquiry without approval or knowledge XXXX XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX XXXX XXXX-inquiry XX/XX/XXXX inquiry without my approval or my knowledge XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or knowledge XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or my knowledge XXXX-XX/XX/XXXX=inquiry without my approval or my knowledge XXXX ca-XX/XX/XXXX-inquiry without my approval or my knowedge XXXX XXXX XX/XX/XXXX-XX/XX/XXXX inquiry with out my approval or my knowledge XXXX  XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX inquiry without my approval or my knowledge

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 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification from Ditech Financial. They keep putting me through the ringer. They continue to ask me to send them the same paperwork over and over again. Now they are asking me to send them XXXX before they can give me a loan modification. Now DITECH is telling me that they are about to report a late payment for this month while I am in the process of the loan modification with them. I have tracking of the documentations that I sent to them. My account is XXXX ACCOUNT. I requested a copy of the recording of the sale and original contract. They never sent it because it does not exist. Ditech does not have a Bond to collect in the STATE XXXX FROM THE ADDRESS THEY ARE LOCATED XXXX.

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 04/19/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is incorrect and inaccurate information on my credit report with Experian, XXXX and XXXX such as a extended 90 days and active Fraud Alerts.
Also there is XXXX XXXX unauthorize hard inquiries on my Experian, XXXX and XXXX .I am providing the Federal Government a list of all the Unauthorize Hard inquiries on my Experian, XXXX and XXXX credit reports.
The list are as follow.
1.Experian Hard Inquiries 1.XXXX.Dated XX/XX/XXXXXXXX XXXX XXXX.XXXX, Texas.XXXX.XXXX  2.XXXX XXXX XXXX.Dated XX/XX/XXXX 3.XXXX XXXX XXXX.Dated XX/XX/XXXXXXXX XXXX XXXX, XXXX, Utah.XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 2.XXXX Hard Inquiries 1.XXXX XXXX.Dated XX/XX/XXXX 2.XXXX XXXX.Dated XX/XX/XXXX 3.XXXX XXXX XXXX .Dated, XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5XXXX XXXX.XX/XX/XXXX 6.XXXX XXXX  .XX/XX/XXXX7.XXXX XXXX.Dated XX/XX/XXXX 8.XXXX XXXXXX/XX/XXXX 9XXXX XXXX XXXX.Dated XX/XX/XXXX 10. XXXX  XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - 3.XXXX Hard Inquiries 1.XXXX XXXX. Miscellaneous Reporting Agencies .Dated XX/XX/XXXX 2.XXXX .Miscellaneous Reporting Agencies.Dated XX/XX/XXXX 3.XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX Telephone Company.I do n't have no services with this company.
4XXXX XXXX XXXX Dated XX/XX/XXXX 5.XXXX XXXX XXXX.Dated XX/XX/XXXX 6.XXXX XXXX .Dated XX/XX/XXXX 7.XXXX XXXX XXXX.Dated XX/XX/XXXX 8XXXX XXXX XXXX.Dated XX/XX/XXXX 9XXXX XXXX XXXX XXXX XXXX.Dated XX/XX/XXXX 10.XXXX.Miscellaneous Reporting Agencies.DatedXX/XX/XXXX 11.XXXX XXXX XXXX.Dated XX/XX/XXXX 12XXXX XXXX XXXX Dated XX/XX/XXXX 13.XXXX XXXX XXXX XXXX. Dated XX/XX/XXXX 14XXXX XXXX # XXXX Dated XX/XX/XXXX 15.XXXX.Miscellaneous Reporting Agencies.Dated XX/XX/XXXX16.XXXX XXXX # XXXX.XX/XX/XXXX My credit scores are suffering because of the negatives, collections wordings and collections and inquiries on my credit report with Experian, XXXX, XXXX.
I am XXXX, XXXX and a Military Veteran.I like to apply for a VA Home Loan, but my scores are not high enough to get a better interest rates.

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 Debt collection (Credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: After filing for Chapter XXXX Bankruptcy this creditor, Synchrony Bank ( XXXX XXXX XXXX XXXX ) continuously calls XXXX times per day. They were listed as a creditor in my bankruptcy petition and were sent notification of the filing over XXXX month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My bankruptcy was discharged a few years ago and I included my home in Washington XXXX in the bankruptcy. Bank of America continues to send me statements and letters. I sent a Cease & Desist letter last month asking them to not contact me anymore by mail or at all as it brings up bad memories and the stress of having to let my home go. They continue to send me statements. I am beyond stressed and frustrated with them. I have anxiety and have to be on medication for it. By law I thought they have to stop sending me these items if I request in writing for this to be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problems when you are unable to pay

Complaint: Reporting incorrect information in regards to payment due payment history and total amount due

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit card () with U.S. BANCORP (PA).
Issue: Billing disputes

Complaint: I had a credit card for 2 years, recently fraud relent charge was charged to my account. I disputed the charge the first claim was approved but the charges was put back on my credit card. I 'm receiving illegal charges to my credit card without explanation, my XXXX messages for the claim adjuster has n't been returned. The 4 messages to the claim supervisor XXXX has n't been returned or the request for a manger call back has not been received. The second fraudulent claim has been denied, become my home address and the fraudulent charge are with a XXXX mile radius. No research was conducted, I have victimized by this company. This company should be federal investigated for security and credit fraud. I do n't make the any of these fraud relent charges. I believe the bank or credit card companies has n't properly secured, an one of their employees has used this account. 

I received additional charges for late fees, membership fees and interest charges associated with the fraud relent charge. This is a moneymaking tactic to illegally collect money. I have no ideal about the fraud relent charges, the research has n't been done. I spoke to XXXX, the owner of XXXX of location for the fraud relent charges, he state the credit card was called in to the location. But, speaking to the credit card company, they 've stated the credit card was present or used similar to previous purchase process. It does n't make any sense, this company has evident that no continuous fast food charges are made throughout any month during my account history. This company is make it easier for criminals then every.

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 11/29/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a loan out on a Car and also a Credit Card that I pay on time every month. I called the credit company and they said I have XXXX accounts and no credit history. Last year when I chacked my credit Score was at XXXX. XXXX are XXXX of the accounts I speak of.

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 11-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX is reporting XXXX student loans on my credit report with inaccurate information that is damaging my credit score. The late payments below are not correct. 

XXXX - 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXXXXXX 90 days past due as of XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX - 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXXXX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my first dispute to them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am a  XXXX  Veteran that had an emergency causing me to utilize a local hospital emergency room. At the time of service they were given my VA credentials and billing information. They are refusing to bill the VA for the amount and I have spoken to the hospital billing department which states that they do that all the time. Now the amount is on my credit report and they will not remove it. This is inaccurate reporting and needs removed from all three reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided regarding XXXX XXXX. my last letter i send is attached to this complaint and has been ignored.

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