milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with P.S.C., Inc (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On X/XX/17 received a letter from Pudget sound collections in wa state. PSC account # XXXX. For XXXX Interest : XXXX = XXXX I paid them X/XX/2017 In  full they gave me a receipt to take to DMV to have my lic unsespended..Have the receipt.. Now they say I still owed them {$55.00} plus {$360.00} In Interest.. That does not sound fair to me. have a receipt with SIC on receipt saying paid in full case closed.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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Complaint: I have been trying to get the released tax lien from 2001 Outdated information. I 've written letter after letter. HELP I 'm trying to buy my family a home!

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Payday loan) with Global Recovery Group (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Global Recovery Group continues to call my phone number. They continually threaten to sue or send my " case '' to court. They threaten that I will be " served '' court papers at my place of work. They refuse to send me any information or a validation notice, which is required by law. I have spoken with XXXX and XXXX, the company that Global Recovery Group claims to be collecting for, multiple times. My debt to XXXX was paid back in 2014. I have record that the debt was paid and satisfied. XXXX also informed me that they do not use third-party debt collectors and have told me over and over not to pay this group and that it is a scam. The scammers have called under two different phone numbers and names : Global Recovery Group at XXXX and XXXX at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 05/30/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: On  XXXX   XXXX ,  2017, I rec eived a claim from  XXXX   XXXX   XXXX   XXXX  stating I owe a debt of {$7500.00} for the remaining balance of my Toyota payment. The letter states I will be sued if I do not make a full payment or a payment arrangement. I called numerous times and finally a week after I got the letter, got through with an employee at the firm to make a payment arrangement. They did not want to execpt my arrangement because they stated it was n't enough and belittled me and used disrespectful name calling to myself. I asked to speak to a superior and the gentleman stated he was the superior. The employees name was  XXXX   XXXX . He was highly disrespectful and told me that my arrangement of {$100.00} a month was n't good and wante d 10 times th e amount which I can not afford. I am willing to make an arrangement of {$100.00} a month because that is all I can afford. Then  XXXX   XXXX  told me to pay whatever I want and disconnected the phone on me. All I am trying to do is make my payment arrangement on m y Toyota acco unt so I can get this off my chest and not have to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Rewards

Complaint: I can no longer access my XXXX account. I had nearly XXXX points prior to making the conversion to the XXXX card and was actively participating in auctions on the website. Was told by a rep via email that a product conversion cancelled my points. I was not aware of that upon making the conversion and would like the opportunity to use my points.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reached out to both XXXX and Equifax to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are : XXXX : XXXX , XXXX XXXXXXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XX/XX/XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, UT XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>The following are inquiries from Equifax that are not authorized by me : XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX2016 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
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: Dear CFPB : I am filing a new dispute . Chase did not address the issue presented. In a letter from Chase it is started I did not return the item in the alotted time to receive a refund. This is not true. I am enclosed documentation of when the item was received and when the item was returned. The  item was delivered on  XXXX  -17 an d the item was returned on  XXXX -17.     Here are the items attached  : 1. Email from the Merchant  dated  XXXX   XXXX ,  2017 2.   Letter from Chase  dated  XXXX   XXXX ,  2017 3. Postal Receipt  of when the item was sent to the merchant.  XXXX   XXXX ,    2017 4. Postal R eport of when the item was received by the merchant, signed for by the merchant.  XXXX   XXXX ,    2017 It 's no t true the item was returned 30 days later as stated by Chase.     I hope to receive an appropriate resolution soon.     Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (I do not know) with Kirschenbaum & Phillips P.C (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A judgement was placed on my checking account without knowledge as to who the creditor is, the amount of the debt and no summons was received by me. My account contains child support and social security income which legally can not be restricted. When I called the law firm my bank provided, they refused to give me any information as to who they are unless I provided my social security number. I declined, as I was unaware of whom I was speaking to. The point of contact at the lawfirm aggressively told me she would not provide me with any information and that my account would stay frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Medical) with Collection Consultants of California (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm having a serious issue resolving a collections account with a balance of {$810.00}, reported by XXXX. The outstanding balance was reported on XX/XX/2011 and last reported on XX/XX/2011. During this time, I was still in XXXX, Texas where I was stationed for XXXX, and still covered by XXXX. I am not responsible for this debt, nor do I recollect ever being at a XXXX or receiving a bill for this amount for any XXXX treatment. This was falsely and unfairly reported and wish for this to be removed. The Debt was sent to be collected by COLLECTION CONSULTANTS OF CALI.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with DISCOVER BANK (CA).
Issue: Delinquent account

Complaint: Discover credit card company made several mistakes with my auto pay bank account number changing. After this issue settled down I disputed an auto withdrawl XX/XX/XXXX. I was staying in the mountains in XXXX, CA and I had no internet access. A payment came out and I called a few days after I had internet access and could see. They insisted I had made it, I insisted otherwise. After this they escalated it to the fraudulent department and issued a new card, sign on ID and password. I was so angry I stopped using the card, and had n't signed onto the account for a couple months. Suddenly I got a notice from a bill payment service that said I had a late fee from Discover. I had n't got a bill in the mail, or in the email but there was {$64.00} due. With the jssuing of a new card, and sign on ID it had stopped my US mail bills and access to email account information. By that time it was too late and a few days past due. Discover happily removed the late fee and said it should be a problem. Later that year I was locked out again and had to be re issued another account sign on ID. In XX/XX/XXXX I noticed my credit score drop XXXX points. After receiving my free credit report I now know it is from Discover. 
I believe in large part my late payment was due to the multiple changes to my account all of which was out of my control. I have lost a lot of faith in Discover, but I 've been an account holder sense XX/XX/XXXX. If I close my credit card it will hurt my credit much more. I am asking again that Discover remove the late payment from my credit as they had made so many errors on my account from XX/XX/XXXX/XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have sent numerous of certified letters to Equifax concerning the block that has been added to my consumer credit file. After trying to receive credit, I have been told that I have been denied because there is no reporting on my Equifax credit report. I than contacted Equifax by phone and explained to them that I am having problems with creditors who I have applied for credit with are telling me there is no findings from Equifax reporting. I than was told by one of their employees that, there is a block on my credit file and if I wanted to apply for credit, the creditor would have to call them around their business hours and then and only then will they release my credit information to them. I told the employee that they could n't do that and it has caused several inquiries on my credit report before I was told by one of the creditors that they are not showing any credit file on me from Equifax. I was then told even if I wanted to view my own credit file, that I would also have to call in to receive it. I then went on free annual credit report this year 2016 and were told that they could not release my credit report from Equifax until I send in a copy of my identification. Every year that I have been freely receiving my credit report from all three credit bureaus, Equifax is the only one I have to keep sending in documentation to. I did receive a response back on XXXX XXXX, 2016 stating and I quote " Currently there is not a 90-day freeze reporting on your credit file. Currently your file is being handled in the Office consumer affairs. Any and all concerns will be handled by the office of consumer affairs. The file was " Randomly '' picked for quality purposes. We want to make sure we are assisting each consumer according to OUR policies and Procedures. The file will remain in the office of consumer affairs indefinitely at this time '' I want something done concerning this issue with Equifax. I want to file a lawsuit against them I have lost sleep, headaches, unnecessary inquires on my credit report because I did n't find out what the problem was until a later date. I want to also file charges against them and need to know how do I move forward. Hope this is a start in getting some type of relief from this nightmare. I have also been DENIED ALL XXXX CREDIT REPORTS THAT I TRIED GETTING FOR MYSELF WITH : XXXX XXXX www.free annual credit report.com Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12/16/2015 about Prepaid card (General purpose card) with U.S. BANCORP (TN).
Issue: Unauthorized transactions/trans. issues

Complaint: On Sunday XX/XX/XXXX I purchased a bunch of {$200.00} mastercard gift cards at XXXX. When I tried to use them on XX/XX/XXXX, XXXX of them had been hacked. This is absolutely negligence on the part of US Bank. They know how easily their cards are to hack and this is not the first time this has happened to me. When you try to file a claim with them, they put the whole onus on you to prove that you didnt make the charge. I 've even figured out how they are being hacked and have offered to explain this to the bank but they do n't care. I should n't have to wait months for US Bank to repay me. Please help me ( the consumer ) not get taken advantage of by these banks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with Van Ru Credit Corporation (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have been receiving automated " robo-calls '' from an anonymous source for months. This past week we received a personal message from Van Ru Credit Corporation. We called them back and they immediately asked for confidential personally identifying information over the phone ( last XXXX digits of my wife 's social security number ). When we refused to give that to them, they refused to give us any information about what they are calling us about. We have never dealt with this company and we have no known outstanding debts owed to anyone. They would neither confirm nor deny that they have attempted to notify us through mail, nor would they agree to send us correspondence by registered mail. They would not provide us with the address they have on file despite the fact that they obviously have our home phone number. They would not tell us what the matter was about. They would not tell us how long the matter has been outstanding. At this point we have no information other than the phone number they left on our message machine and a completely unproductive personal phone conversation. The phone number we received and called is : ( XXXX ) XXXX extension XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: American Express Delta Skymiles sent me offer of a gold AMEX card, offering {$50.00} credit for qualifying Delta purchase and XXXX  bonus miles providing I spent a certain amount in a certain time frame. Both offer obligations were met by me and American Express customer service agents as well as the manager have confirmed this to be the case and agree 100 % that I SHOULD get the {$50.00} credit and the XXXX bonus miles. I called on XXXX XXXX, 2017 and spoke with XXXX, she confirmed I should get the miles and $ credit within 7 business days. Case was opened, case # XXXX. Nothing received, so I called on XXXX XXXX, 2017 and spoke to someone else, they said case was resolved on XXXX/XXXX/17 and they should be fulfilled ( miles & dollars ) by XXXX XXXX, 2017. I checked on XXXX XXXX, 2017 and nothing, so I called again and insisted on speaking with the manager. After 30 mins of waiting on the phone, I spoke with the so called manager, XXXX, and she said there were " technical difficulties '' in fulfilling everyone 's bonus miles and dollars, said it had something to do with XXXX XXXX and delta airlines, said it should be resolved in a week. A week has gone by, and it 's XXXX XXXX, 2017 today and just called and spoke with XXXX. Same old, same old ... .yes, I have met my obligations, but there is still problems fulfilling what was promised to me. REALLY American Express Delta Skymiles???????????????????????? I have never thought that American Express was this sort of a company where promises are made and then they hoped I would just go away. Next time, keep your offers to yourself and I can assure you I will TEAR UP EVERY SINGLE OFFER THAT COMES MY WAY. Lost ALL faith in this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was not the owner of this property for the year listed on the Tax Lien according to the XXXX County, Board of Assessors. ( See attached ) This Lien is a non issue with XXXX and XXXX but I ca n't clear it up with Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled up my TransUnion credit report, and found some false information regarding a previous vehicle I had. I purchased a vehicle from XXXX at XXXX XXXX XXXX XXXX XXXX, Oh XXXX XXXX, that I was still paying for when I had got into an accident. My insurance company at the time was XXXX XXXX XXXX their address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX had XXXX of their insurance reps and body shops, XXXX XXXX XXXX in XXXX, Ohio look at the vehicle. It was later determined that they where going to totally the vehicle. I informed XXXX that I was still paying on the vehicle, and so XXXX contacted XXXX XXXX himself and cut him a check for the remaining balance. XXXX XXXX XXXX has the check numbers, when it was issued, and cashed!!!! to XXXX XXXX. But XXXX XXXX falsely reported to the credit companies that the car was a repossession, which it was not!!! This false reporting needs to be removed from my TransUnion credit report. This issue does n't show on my other credit reports and is even more reason why this needs to be removed asap!!!

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 07/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: I received an email from Delta Skymiles which offered me a bonus of XXXX miles if I would sign up for their credit card with American Express. I signed up for the card in XX/XX/XXXX, and completed their requirement of charging and paying for {$1000.00} on the card. I had just used XXXX miles on another American Express card in order to purchase a round trip ticket from XXXX to XXXX on XXXX XXXX. Since Delta is now a partner with XXXX XXXX, I assumed I could do the same with these miles. 
In the meantime, XXXX contacted me again and offered that if I would recruit more credit card users they would give me even more free miles, and also would give free miles to the new users. 
Yesterday I tried to go to the website to see how I could use the XXXX miles. Unfortunately, all the urls listed by XXXX in the search were for new people signing up for the card. There was no way on those sites for a credit card holder to log in. After a few minutes I found a place to log in, with my user name and password. I have never seen this practice before, as all other credit cards and bank account web sites have a place for account holders to log in. 

When I went on to the website and tried to transfer the miles to my XXXX XXXX XXXX XXXX account, it told me I was " not eligible '' to do so. I called the contact number and the person who answered told me that it was impossible to transfer miles to another account. Very curious as my other American Express card had that feature, and Sky Miles is part of Delta, which is in turn part of XXXX XXXX and XXXX XXXX. 
Today ( after about 15 minutes searching among the " offering '' websites for SkyMiles for one that would take a log in ) I tried to find out what the XXXX miles would actually buy. Instead of having a section ( as every other card company has ) that explains what kind of flight you can obtain with a certain number of miles, this website required me to actually book a flight. The first time I tried to do so, I was informed that the flight was not available for my miles. I was not told why that was so, and I still had no information on what kind of flight I could get for the miles. When I finally downgraded and changed the booking enough so that it listed a flight, it turned out I would need twice as many miles as needed on my other American Express card, in order to book a much longer and more inconvenient flight with several layovers. 
SkyMiles is still actively advertising their card and offering " special '', and I think they should be prevented from doing so. Their miles are not usable and are worth less, than they are on other credit cards. It is very difficult to access your account information or even to find out the values and utility of the miles. 
In the meantime, I have signed up for a useless card and wasted {$1000.00} charging there when my other card would have yielded miles that were actually useable.

Company response to consumer: Closed with explanation