milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have had extremely bad experiences with PNC Cash Rewards redemption program. Their website has a button to " redeem rewards ''. It does not work even when you meet the minimum rewards balance. For the last four years, each month, when I try to redeem the rewards via their website, I get an error message. There is a number to call which sends you into a very long and complicated phone tree, finally connecting you with another group. That group takes your information, and reconnects you to another group. After about 20-30 minutes, you can redeem them on the phone. I have called about this each month for the last four years, even speaking with the supervisor 's supervisor, and have been told that they are " working on it ''. They are always " very sorry for my frustration '' and give me a " direct number '' to call, next time. Each month that number changes. There is definitely something illegal about this tactic. No one should be put through all of these hoops to redeem the rewards they earned. 
Here are two phone numbers that are " direct '' to the rewards people : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The  XXXX  account with an opened date  XXXX   XXXX ,  XXXX , do n't belong to me and should not be listed on my  XXXX , Experian or  XXXX   XXXX  credit report. The following credit inquiry is fraudulent and unauthorized :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. ().
Issue: Making/receiving payments, sending money

Complaint: I have been a XXXX XXXX XXXX for over 20 years. Throughout this entire period I have used credit cards issued by the bank. Since I do not reside in the United States, I have always asked my banker, XXXX, to pay my credit card statemetns with funds abailable in my account. Every month she send me copies of the statement and I give her a direct order to liquidate the outstanding balance. On the beginning of XX/XX/XXXX, XXXX informed that I had a credit card debt to pay given my expenses throughout the month of XX/XX/XXXX. I asked her directly in writing and over the phone to liquidate the debt. XXXX refused to, as per my explicit instructions, pay the debt outstanding, even though there were, and are, more than sufficeint funds to cover the amount due. I have asked her to provide an explanation, preferably in writing, as to why I am unable to use my account. Since the early days of XX/XX/XXXX, when we first discussed this issue, XXXX has not yet provided me with a clear explanation as to what is happening to my accounts. I have asked if my accounts are frozen to which I have not receieved any reply. XXXX has asked me for a wide assortment of documents which I have dilligently provided but I am still unable to access my accounts in any way, and, what is most troubling, have not received any kind of response. I fear that with an unpaid balance I could suffer deleterious effects to my credit score, not to mention the XXXX penalties and interest rates I will have to pay. Furthermore, this is my retirement money. I am suffering from terrible anxiety because I do not have any idea what is happening to my accounts and I have no idea what I can do to remedy the 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 09-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was late making payments and was receiving multiple calls a day from Navient. I finally got on the phone with them and informed them that I can not make payments at this time and am in the process of filing bankruptcy as I am unable to keep up with my debts. The representative said " ok, when are you filing? ". I indicated that I would file in XX/XX/XXXX ( we spoke in XX/XX/XXXX ) and she responded by saying " we can put your loans in forbearance until XX/XX/XXXXand then you will have to send us proof of the bankruptcy ''.
This forbearance period continues to tack on interest to my loans and in the 5 years since I XXXX and have been making payments in good faith, I have not made any impact on the overall amount of my loans because of these interest charges during times that I am unable to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with M&T BANK CORPORATION (VA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I signed for a checking account with M & T bank. I signed up in person with a paper coupon that was emailed to me. The coupon ( XXXX ) stated that if I open the account and have direct deposits of {$100.00} or more I will receive a bonus of {$200.00}. I had confirmed with the bank that i had met all the requirements. Then when I asked when the bonus will be posted the reply was to wait 45 days. After 45 days i asked again. The bank informed me that I did not qualified. Even though I have coupon and was already told that I have met all the requirements I still have not received the sign up bonus.

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 08-12-2016 about Debt collection (I do not know) with H & S Financial, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Today in the mail I received a letter from H & S Financial Inc. located at XXXX XXXX XXXX XXXX, TX XXXX. The letter stated I owed them {$8000.00}. They are claiming they had a judgement against me for the amount of {$8000.00}. I have never occurred such a debt. In fact, I went through six years of credit reports and it 's spotless with the exception of XXXX XXXX late payments, which were accidental. 

At no time was I served papers for a lawsuit. I never had a chance to appear in court. I never received any official court documentation. They did a hard credit pull without my permission. If there is a rule H & S Financial Inc. broke it. 

I am not paying the debt as it is not mine. I am filing a complaint with the FTC as well and will be sending certified letters to both H & S Financial Inc and the FTC stating the above with a request to do not contact me regarding this fraudulent attempt to collect a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I received a letter from XXXX indicating my credit score was low. When I called Experian regarding this, they said they had nothing to do with the score, that I would need to contact XXXX. I asked them why it was so low, and they could not tell me why. 
they only wanted me to by my credit score. Which I already know.

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 09/14/2017 about Debt collection (Credit card debt) with Weltman, Weinberg & Reis Co., L.P.A. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have limited exact dates of transactions as the company XXXX XXXX XXXX closed inXX/XX/XXXX. I purchased several packages from XXXX XXXX XXXX for laser hair removal between XXXX and XXXX. Over those 4 years I paid XXXX XXXX XXXX approximately {$6000.00}. In XXXX when my services ended without being complete I stopped paying XXXX XXXX XXXX as they closed. When I stopped paying I was sent letters from XXXX XXXX asking me to pay my balance. I explained to them several times that I do not owe the debt as my treatments are incomplete and in fact I felt as XXXX XXXX XXXX  owed me money. I paid thousands of dollars and still have incomplete treatments. XXXX XXXX XXXX agrees to continue treatments until all hair is gone. They discuss that it can take years of treatments. I did as XXXX asked me to do regarding disputing the charges. I sent them letters expressing that I dispute all charges. I told them I could not get exact transaction dates as XXXX XXXX XXXX is closed. They did not accept my dispute and have continued to harass me. I am now being sued by them. XXXX is claiming I owe them {$2800.00} however with interest and fees they are now suing me for {$4200.00}. They have hurt my credit and I am so stressed. I do n't understand how a bank can harass and force people to pay for services they did not receive. I obviously did not get the services as the place closed. As I have told them I would pay if I received the money or the service but I did not. How can we as consumers trust the stores we purchase things from if this is allowed? If I want to apply at a store for credit for floors I will not ever want to do that. What if they close before I get my floors and I have to pay for them anyway? I think this is a scary precedent to set, that banks can collect money despite no serve or product being rendered. The definition of purchase is to by a product or service. I purchased nothing. I should owe nothing. I am also assuming that XXXX XXXX received large payments from XXXX XXXX XXXX when they filed chap XXXX or XXXX. XXXX XXXX has my services and my money not me. XXXX is harassing the little person in this and I am beyond angry. I have also complained to Better Business Bureau and the Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Today, XXXX-18, I called to pay my Navient Loan and I was told that I couldn't use a credit card. So I went out and got a prepaid debit card, but the automatic system won't process it. The system is very annoying and difficult to use. It has few options and I'd constantly asking and promoting things I don't need. I've called 6 different numbers looking for a person, but they don't have anyone on weekends. Their online system only asks for a bank account, and doesn't let me pay with a debit card even though they said they accept debit XXXX cards. There is no answer at customer service to resolve theee issues. I can't pay them like this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Fell behind on my student loan payments and have not been able to catch up due to other living expenses.

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 01/26/2017 about Debt collection (Auto) with Markoff Law LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Markoff Law LLC added my sister 's {$12000.00} debt to my credit report which resulted in a plummeting credit score. After calling to inquire and to ask for something in writing to confirm it was n't my debt, XXXX, the representative, responded that it was for sure my debt and they have been garnishing my pay check since last year. I had to remind her several times what my name was and what my sister 's name is. She took my information and promised to contact me after doing a further investigation, but that contact was never made.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (I do not know) with Centralized Business Solutions Company (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A business called CBSC keeps calling leaving a very vague recorded message that they are calling about a debt collection and that is it. It is the exact same message every time. This has been going on for two months. The call is coming from XXXX. 
They will not say who they are calling for and on who they are calling on behalf of.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquires on my credit report that i did not make and its keeping me from obtaining credit can you please remove them i have children to feed and its making me struggle to put food on the table. Can you please be so kind as to remove these incorrect inquires because i didn't approve them

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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: they said i was not affacted

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 06/17/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is a new complaint, as an additional issue with Equifax, This is a NEW Issue - as there are IMMEDIATE and PERMANENT Changes they have made that are impacting me in such a harmful manner, and knowingly. 

The manual manipulation of my records has crashed my scores and in one day, from XXXX to XXXX -- - and in a PRODUCTION EQUIFAX Credit Reporting instance. Apparently the changes made against my record to resolve this issue were simply moved into an application, with no quality checks or inspection, Attached is my record in Equifax - Yesterday, and then TODAY when they went in and changed the PAY HISTORY segment of their application to show a CHARGE OFF Status as of XX/XX/XXXX, all while the DATE CLOSED remains unreported. 

This account has been closed for XXXX years. 

Equifax has indicated that there was no response needed to my disputes, manipulated the data residing in their database to such a point of inaccuracy that this record 's corruption is not reversible, or their technical team no doubt would have done it by now. Yet, although they are aware of the issue, and according to the FCRA defining their needed action to delete this account, have instead updated data that has caused my scores to DROP and in ONE day by XXXX points. 



There is an existing dispute with Equifax regarding the state of my account - within their records. I have asserted that the records are not juist corrupt - but at such a innacurate state - that they must be deleted. 

I am attaching of screen shot of what my account looked like on XXXX and then today - XXXX hours later on XXXX. 

1. XXXX is a closed account since XX/XX/XXXX ( on or about XXXX ) 2. XXXX was in a CHARGE OFF STATE at that point, or XXXX. XXXX should have a CHARGE OFF STATE indicator on my records in XXXX. XXXX does NOT have such an indicator, and in FACT now does have a CO state as of XX/XX/XXXX, which is wholly inaccurate as per the XXXX file specifications, that require this date/data to be equal to the actual date this account became in that state5. The account still, has no closed date - appearing as if this is current CO6. This manipulation/change by Equifax/XXXX has NOW caused my score to drop over XXXX pointsThis CRA is now responsible for literally, destroying my credit one day at a time, and with knowledge that - this account under the FCRA, has become so corrupt that they MUST remove it. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The IRS filed a lien on our credit on XXXX XXXX, 2014. The lien was subsequently withdrawn XXXX XXXX, 2014. The Credit Bureaus did not report the with drawl and has caused our once good rating to suffer for over two years. How can the credit agencies be so quick to pick up the negative reports, but fail to report a positive. Also we see that the credit bureaus reported bankruptcy verbiage on our report. We have never filed bankcruptcy. I request these XXXX issues be corrected immediately,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Debt collection (Credit card debt) with Nations Recovery Center (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XXXX-18 @ XXXX XXXX I contacted Nation Recovery Center about a debt that showed up on my credit report that i wasn't completely sure of what it was. I was transferred to an agent XXXX XXXX who i inform i wasn't 100 percent sure of the debt and when he informed my of what the debt was I told him I thought it was cleared in a previous bankruptcy. XXXX XXXX inform my it wasn't. I proceeded to inform XXXX XXXX that I, m currently unemployed and would like to try and settle the debt, when XXXX XXXX proceeded to inform me that I'm lying and that I am current working. He then gave me the name of a former employer when i attempted to inform him that the information was incorrect but was told once again I'm being untruthful. I asked for a settlement amount on a {$1700.00} debt when i was put on hold and was offered a {$1300.00} settlement. When i tried to get a lower settlement amount and explain that I'm currently unemployed, XXXX XXXX proceeded to in form me that I'm lying. I was also told that " how can i afford to buy a {$30000.00} car last year with no job '' I explain that I brought it last year when i was employed. XXXX XXXX continued to claim I was lying and then inform me that I'm gone pay this debt one way or the other. He told me that they could garnish my paycheck, also that they can put a lien on my bank account at XXXX and at XXXX. Then XXXX XXXX told me that I'm going to have to pay them anyway because I'm trying to buy a house and the place where I'm trying to get the loan will make me pay which I never informed him of. I then told him I never said I was trying to get a house and he proceeded to tell me I was and name 5 other creditors that I paid off. At that point I asked to speak to a supervisor and then was told by XXXX XXXX that he is rejecting my settlement off and i have to pay in full then transferred me to a supervisor XXXX XXXX XXXX ( supervisor of civil judgement ). I explain to XXXX XXXX that I don't appreciate the threats and the interrogation tactics, XXXX XXXX seem to condone XXXX XXXX actions. I then asked that the call be reviewed by a supervisor and the appropriate actions be taken. I then inform XXXX XXXX that i want to settle the debt, When XXXX XXXX inform me that the settlement amount was off the table. I honestly feel violated and no company should have the ability to threaten you and call you a liar to make you pay a debt in which I reached out to settle.

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 11-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX sold two accounts to Portfolio Recovery in the amount of {$960.00} and {$1000.00}. They have been contacting me harassing me about a debt that I have no knowledge of. On XX/XX/XXXX and XX/XX/XXXX i demanded they provide proof of contract between me and XXXX XXXX. I asked them to remove this inaccurate information against my credit file. I have no written or signed contract with Portfolio Recovery nor XXXX XXXX. I have made all credit bureaus ( XXXX, XXXX, and XXXX ) aware of this matter, yet they continue to report inaccurate information on my report. This matter has become troublesome situation for myself and my family. Any help assisting me with this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX, I submitted a complaint ( # XXXX ) regarding Diversified Consultants, Inc. ( DCI ). DCI was reporting an {$88.00} debt of which i had never been notified or contacted. They did respond and agreed to remove this account from my credit file. Their response letter stated " DCI has  ceased collection efforts and closed the account in our office. A deletion request has been submitted to the credit bureau. '' On XX/XX/XXXX I received alerts from all 3 credit bureaus that DCI was again reporting this same account they said they would delete. 

Please see attached letter, from Compliance Analyst XXXX XXXX at DCI. This letter is DCI 's  response to my initial complaint ( # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of Identity Theft. I have items on my credit report that do not belong to me

Company response to consumer: Closed with explanation