milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2016 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. Back in XXXX, my identity was stolen and used to open fraudulent accounts at various department stores ( including Macy 's ). I filed a police report and immediately notified all of the creditors. I have contacted Macy 's customer service on several occasions to have the account closed and notified them this was a fraudulent account that I did not open. They assured me they would resolve the issue and I did not owe the debt. I continue to receive statements and now collection letters for the debt. I sent them a certified letter stating the debt is not mine and to discontinue sending me statements or collection letters. Macy 's has ignored every request and continues to pursue this debt. I am going to also file a complaint with the FTC. It is illegal for them to continue to pursue a debt they know to be fraudulent. All of the other creditors have all closed the other accounts and cleared me of any responsibility. Macy 's is the only XXXX that continues to pursue this debt with someone they are aware is not responsible or under any legal obligation to repay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I write to you in the hope that you can persuade Suntrust bank to help me to recover my money and honor all the terms of its agreement with me. On numerous occasions I have tried to discuss the situation with the Suntrust representatives, but they are unwilling to cooperate. In short, I can not solve the problem myself, and I want to avoid hiring a lawyer unless it becomes absolutely necessary. On XX/XX/XXXX I purchased online a watch for the amount of {$170.00}. The merchant, ( XXXX XXXX ), promised to deliver my watch by XX/XX/XXXX because according to their information all their watches are made by hand. After the merchant failed to comply with the delivery, I contacted the merchant by email, to cancel the transaction, and requested them to return my money in my Suntrust account. On XX/XX/XXXX, after I noticed that the merchant failed to return my money, I contacted Suntrust bank to dispute the transaction ( XXXX XXXX. XXXX ). On XX/XX/XXXX, I was  notified that the Suntrust Bank decided to not assist me with my dispute because the dispute was not filed within 60 days from the first bill on which the unauthorized transaction or error appeared in my statement. On XX/XX/XXXX, I called Suntrust bank ( XXXX ), I was transferred from one person to another, until I was finally able to speak with a supervisor. According to the supervisor : Suntrust bank was unable to dispute the transaction because the dispute was untimely filed. I responded that his statement was unsupported by the Suntrust account agreement, because the terms of the agreement clearly states that a customer should contact Suntrust bank within 60 days after the error appeared on the customers statement. Here, the dispute has nothing to do with an error or unauthorized transaction, the dispute was filed immediately after the merchant did not comply with the delivery date. In addition, the dispute was not filed within 60 days, because the merchandises delivery date was scheduled after the 60 days timeframe. Finally, Suntrust bank should not penalize me or any other customer for undisclosed 60 days dispute timeframe for non-error transactions.

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 12-07-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I had a Personal Account in Santander Bank at XXXX XXXX XXXX, XXXX XXXX XXXX, NY. Four checks were cashed fraudulently from my Bank Account on - check XXXX - XXXX/XXXX/XXXX - {$2500.00} check XXXX - XXXX/XXXX/XXXX - {$6600.00} check XXXX - XXXX/XXXX/XXXX - {$9000.00} check XXXX - XXXX/XXXX/XXXX - {$7500.00} Totalling {$25000.00} The bank did not inform me that they are cashing any of these checks, these big amounts were cleared without informing me by any means from my personal account, I came to know about whereabouts about my bank Account when I came to XXXX in XXXX, since then I am trying to recover my lost money but it has gone in vain. I am an XXXX citizen and did n't know what to do regarding this fraud as I am not aware about how things work in America, recently one of my XXXX friend who lives in America agreed me to help on this matter, and I am taking his help An Affidavit of fraud was filed with the Bank in the month of XXXX XXXX and an investigator ( XXXX XXXX XXXX ) was assigned for the case but he was on a holiday till XXXX XXXX when I got hold of him and he is still not cooperating, he does not reply to his email and most of the calls I make to him go on voicemail. I want {$45000.00} back from the bank as I have had to face a loss of {$25000.00}, interest costs, the opportunity cost, mental stress and mental harassment from the bank. thanks Case is not under Litigation and is dismissed by me, dismissal attached with the complaint.

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 12/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with ALLY FINANCIAL INC. (TX).
Issue: Money was not available when promised

Complaint: On XXXX XXXX 2017 I send XXXX to Ally Bank and I was supposed to received it today on the XXXX of XXXX and I called XXXX XXXX and they told me I was credited to my ally bank today on the XXXX of XXXX and I still have n't got the money yet ive been calling both companies and no luck on my money I have the tracking number for this money its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Auto debt) with CCS Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I reviewed my credit report on XXXX XXXX and saw that there was a negative file on my account by XXXX XXXX XXXX. 

I sent them a letter requesting them to validate the debt, however I never received and response from them. USPS Certified Mail Receipt : XXXX, shows that letter was delivered on XXXX XXXX, XXXX. 

By not responding, CCS failed to comply with the Fair Credit Reporting Act and the Consumer File Rights. It has been well more than 30-45 days since I have sent them communicated, have proof that they have received it, and have failed to respond to me to validate the account. 

This company needs to be held accountable for their violation of my consumer rights.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have an address of XXXX XXXX XXXX, XXXX, Ca. XXXX listed on my credit report and I have never lived in Ca.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: unarthorized charges were made to my XXXX account and was under investigation. Upon the TD Bank merge my case was misplaced and overlooked, until I received debt colecting calls several years later. Since I never opened a TD, I went to a branch to speak with a branch manager for more reliable information. I then paid the branch the amount supposedly owed and was told by both TD Bank and the collection agency this issue was resolved. Now almost 3 years later, the collections agency called my family members and told them I owe XXXX more than the last time. After threatening me, and saying they will hack into my bank account and take money, I came to the conclusion this agency does not want to resolve any issues and just want to scare me into paying them again. I already paid for a debt that was n't mine in the first place and I 'm not inclined to pay more and put up with such harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I made a purchase XXXX/XXXX/XXXX for XXXX. There should have been {$50.00} in rewards applied and the credit was not applied. The full purchase was charged to my card. 

Sent email through card website. After a few useless and non-helpful exchanges filled with canned email responses that do n't even apply to the situation I was told I 'd have to call Customer Service. 

Call - get shuffled around a few times by associates with obviously the main goal of playing hot potato with my phone call until landing with a top performer of  disengagement who sounded like I was waking her up. After she asked me what my issue was she promptly said " hold on '' and placed me on hold into a complete black hole. I thought it was maybe so she could finish her nap or eat breakfast - but after about an hour of dead silence it became apparent her true plan was to park my call somewhere until I hung up. But, it 's ok - because I 'm using my time wisely and multi-tasking to submit this at the same time. 

Ridiculous. 

I 'd like the issue resolved and the card closed. I 've only had it a couple months. It 's not worth the trouble. I 'll take my business elsewhere. 

Thanks.

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

Complaint: XXXX was hacked! I was possibly affected. I tried to enroll in protection program and was told to save the website and come back on or after XXXX XXXX. XXXX should have immediately enrolled every consumer affected or possibly affected and then contacted the consumer with the news and reassurance they were enrolled for a lifetime of credit monitoring!!!! The executives that cashed in before announcement and before stock tanked should be investigated and jailed!

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On Saturday, XX/XX/XXXX - I made a furniture purchase at our local furniture store. I requested a credit limit increase with Wells Fargo Home Furnishing Credit Program, an account that I have had open for many years. The credit limit was increased as requested, however not for the amount of the purchase. In good faith I paid the difference in cash. However, I opted to contact Wells Fargo on Wednesday, XX/XX/XXXX to request reconsideration of the credit limit increase to prevent the card from being at 100 % utilization. Wells Fargo advised me that the only way to request a reconsideration was to repull my credit report. The representative also steered me to believe that I needed to state additional income of my spouse on the application for reconsideration in order to be a approved. Being that I needed the reconsideration and was under the impression that the additional income would help the outcome, I approved Wells Fargo to repull credit. I was advised to follow up 30 minutes later. When I followed up 30 minutes later, I was told that I was declined and they were unable to advise me a ) of the decline reasons b ) if they repulled my credit a second time. I requested to speak with a manager and they were unable to answer either question ; however shared that I may request a 3rd reconsideration if I permitted a 3rd repull of my credit report. I then notified them I was reporting Wells Fargo to the CFPB and was sent to an Executive Escalation contact who was unable to assist with my reconsideration request or provide any insight as to the reasons for the decline of credit. 
I feel this is not only predatory by requesting a 2nd and 3rd credit report but also that I was targeted and steered to list additional unnecessary income when my DTI is less than 20 % of my total income for a credit card. It is not acceptable for any financial institution to repull credit arbitrarily and impact FICO scores for up to 2 years. I feel that I was mislead, taken advantage of and given no explanation for the decision and hope that I have recourse in this situation.

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 01-04-2018 about Debt collection (Other debt) with National Credit Systems,Inc. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello, I have attempted now 5 times to get these creditors ( national credit systems ) to provided me with evidence that i have lived in XXXX Arizona. Provide me with a lease and my drivers license. I have Filed a complaint with CFPB and there response instead of validating was asking me to submit documentation to them?!! The funny thing is if you have debt for me for an apartment you should have the following documentation Lease, Drivers license, and signature on lease, you have a debt that you are reporting as {$13000.00}. The apartment I 'm sure has probably been leased again which the amount owed is also incorrect. I have not said this is my debt but i have even sent a letter offering to pay a little for your company to delete, which you never responding to that! I will like for you to find documents if not delete from my credit file as this is defamation of my character!!!! I live in XXXX XXXX, La and have for now 6 years!! The law here and remedy here is you can not collect debt after 3 years here, also provide me with your company license to collect debt in the state of Louisiana. I here by demand you provide me with proof of this debt not a letter telling me its my debt. thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I checked my score then weeks later i recived a letter from XXXX XXXX XXXX that a identity alert has a block on my credit and i need to respond. so everything checks out fine. please remove this alert block off my credit thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: Wilshire Consumer Credit XXXX XXXX XXXX CA XXXX Account numberXXXX Continual Phone Harassment On XXXX, a payment of {$770.00} against a due amount of {$750.00} was made. I am making over-payments [ greater than {$750.00} ] every month on this account. During the payment phone call of XXXX, the WCC rep offered to wrap a past due payment to the end to bring the account current. I accepted. There is currently a past due amount of ~ {$500.00}. The account is less than 30 days past due. 
On XXXX, I returned a call to customer service, during which I informed that the next payment will made on/about XXXX [ due date is the XXXX ], in the amount of {$800.00}. I continue to receive multiple calls daily, to my cell phone, and office phone, threatening repossession, even after sending a cease & desist email on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (PA).
Issue: Managing the loan or lease

Complaint: I filed a case with CFPB on XXXX/XXXX/15 ( case number XXXX ) with Mariner Finance. The business stated in the complaint " Mariner Finance can confirm that XXXX XXXX 's account is paid in full and his paid document will be sent to him. '' I have received XXXX bills from this company stating money is still owed and to mail payment. I checked my credit reports and they are reporting to XXXX that I owe {$180.00} and they have been charging monthly late fees of {$30.00} per month. As promised in the prior case, they never sent me any documentation nor have I done any further business with this company yet they continue to charge me a monthly late fee and the first complaint stated they waived the final {$24.00} due as a good faith gesture so I do not understand where this {$180.00} came from when they stated account was closed and no money was owed.

Company public response: Company chooses not to provide a public response
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. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax was hacked and my personal information was compromised. They knew of the breach on XXXX but are now just notifying the public that their information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was a victim of the inquiry problem with transunion

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 05/14/2015 about Debt collection (Medical) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Outstanding bill for XXXX XXXX was sent to collection agency. I paid it in full but the collection agency is still looking for payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WY).
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: XX/XX/XXXX a transaction was made for services which were either not provided or provided deceptively. A/C was not working and XXXX XXXX informed me they found the leak causing my problem and a bad capacitor. I paid for the service and a maintenance program offered by XXXX XXXX. The very next day the same problems with A/C and they come out again and supposedly fix. Goes out the very next day again, I call another company and they look at my unit. Turns out there was a fairly large and obvious pin hole in the Evaporator Coil inside the home and the old capacitor was not even bad, but I needed to replace the system due to the evap coil being bad and I had an R22 compressor unit that needed to be switched to 410a refrigerant with an evap coil change at about {$3000.00} which I had done. XXXX XXXX did not look inside the home at the evaporator coil nor provide services signed up for under a 12 month maintenance contract. When I called to inquire about the issues I was told they no longer provide HVAC services and all my concerns would be sent to the President of the company XXXX XXXX. This particular conversation has been included. 

I never receive a call back from XXXX XXXX but he finally responds back via email where he states my money will be refunded.He does not refund the money and I forward the emails to CITI BEST BUY to prove the promised refund by the president of the company and in a 2nd letter dated XX/XX/XXXX they state I did not provide a full response to their request and sided against me in the dispute. The attached email chain shows that CITI was provided with more then enough information to refund the {$610.00} and side on my favor.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My father & I went to XXXX in order to move my phone line off of my fathers account onto my own account. We were told by the XXXX customer service agent that per Equifax, my social security number did not match their records and that I did not have any credit history. Because of this, XXXX would not establish my own account without a large down payment. I am a XXXX and my sister and a brother who also do not have any more credit history than I do were able to more their XXXX lines off my parents account and establish their own without any problems. I have filed both federal and state taxes for the past 2 years as well as pass several background checks. XXXX made a couple additional attempts with Equifax to establish my identity at Equifax 's request. XXXX faxed to Equifax a copy of my Social Security card and my drivers license. For some reason Equifax would not accept it. We were told to file a dispute through Equifax and again include a copy of my Social Security card and driver license. I never heard back from Equifax. You will see at the top of the attached document the time and date it was sent from XXXX XXXX. I called Equifax yesterday and I was told they did not have any record of my dispute or faxed info. I was told the only was to fix the problem was for me to take out a loan and/or a credit card in order to establish a credit history. I refuse to borrow money to fix their erroneous records.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am in the process of applying for a Mortgage loan. In Early XXXX, I noticed that the wrong Balance/Credit Limit was being reported on XXXX of my account. I called the Live Help Line of Equifax and the CSR asked me to tell her the correct information. However I just requested my Credit report today ( XXXX/XXXX/15 ) and the only information which have been updated is the Credit Limit. Almost 1 year of my payment history is not updated. Upon further review, I noticed that all my account listed on Equifax are missing my actual credit limits/payment history/balances.

Company response to consumer: Closed with explanation