milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BARCLAYS BANK DELAWARE (OH).
Issue: Wrong amount charged or received

Complaint: I did a balance transfer fro m Barclays. I h ad the funds transferred to   XXXX   XXXX  . I waited  two  weeks, but the funds never showed up in my account. I had called   XXXX   XXXX   and they never seen those funds. I also called  Barclays. I was told that the situation was going to be taken care of in sev eral weeks. I am angered about this situation because I have payments due soon and have to pay over 20 % plus interest, but no funds.      XXXX / XXXX /   2017 FR ONT-END FEE $  XXXX   XXXX  )  XXXX / XXXX /   2017    XXXX   XXXX    XXXX  $   XXXX   XXXX   XXXX    XXXX / XXXX /   2017  BALANCE TRANSFER FEE {$6.00}  XXXX / XXXX /   2017    XXXX   XXXX    XXXX  {$200.00} v/r  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 explanation
Consumer complaint received 11/13/2015 about Prepaid card (Payroll card) with NETSPEND CORPORATION (MD).
Issue: Managing, opening, or closing account

Complaint: I have direct deposit put on my card weekly. I tried to log into my account on line and there was a block put on my card. I received an email and a text about the block and called to inquire and get the block released. I have called this company FIVE times and keep getting agents that speak very broken XXXX who make me go through answering security questions before telling me they have to transfer me to their " Fraud '' department. I am literally put on hold for 20 minutes at a time and go into a voicemail asking me to leave a message and I will receive a call back the next business day. This is totally UNACCEPTABLE. A small portion of my paycheck is direct deposited weekly and I can not believe I can not get immediate assistance and access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Mortgage debt) with Sound Collection Services (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was originally by XXXX XXXX XXXX but sold to XXXX XXXX XXXX it has an amount balance of {$2100.00} which I do owe and under the fair debt law this is illegal so I would have the results of removal from my XXXX and XXXX credit report it would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2014 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Credit Bureau : TransUnion Credit Bureau : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed an unauthorized inquiry had been made. 

I contacted TransUnion & XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into TransUnion & XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 explanation
Consumer complaint received 11-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has been allowed to put false information on my credit report. I do not owe them a debt. Each time the debt is added to my report it is sold to another XXXX of these " companies '' and readers to my account. Each time with the same incorrect information. I do n't understand how it is legal for XXXX to allow this. Furthermore, this '' company '' has placed factually incorrect on my report. How exactly are they the original creditor? How exactly did they become responsible for the account on XXXX XXXX, XXXX, when my last credit report pulled was XXXX XXXX, XXXX and they were no where to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Adding money

Complaint: i received a american express prepaid card as a gift in XXXX 2015, unfortunately i did not get gift receipt with that.. i tried to use the card now and found that it had XXXX balance.. when contacted american express customer care, i was told they can not do much as it was a cash loading issue at the merchant place

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I respectfully requested that your office provided me with competent evidence that I have any legal obligation to pay you ( Bank of America ) regarding account # XXXX. This was NOT a request for verification or proof of my mailing address, statements of the alleged account, or summary of when the alleged account was open, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Now, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus XXXX XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

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 07/28/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I received a mailer from Citibank in XXXX offering me XXXX miles if I open a Citigold account with {$50000.00} fund and complete {$1000.00} debit purchase and 2 bill payments in two consecutive calendar months. I went to Citibank 's XXXX branch and the branch manager XXXX XXXX personally helped me open the account and confirmed I 'm eligible for the promotion once I complete the requirements ( {$50000.00} fund, {$1000.00} debit purchase, 2 bill payments in two consecutive calendar months ). Please see the attached document she provided me on the promotion outlining the detailed terms. 

I completed all the requirements in XXXX and followed up on the promotion status in XXXX. The assistant bank manager XXXX XXXX has verified that I met all the requirements and she then submitted the request for XXXX promotion miles. 

I followed up again in XXXX through Citigold online customer service but was told that there is a {$300.00} issued to my account from another promotion therefore they will not be able to issue the XXXX miles. I contacted both XXXX XXXX and XXXX XXXX questioning why the {$300.00} promotion is something I 'm completely unaware of and never signed up for. They investigated the issue but came back only stating they are not able to change the promotion I received and therefore the XXXX miles can not be issued. 

I felt completely deceived. First of all, I was never aware of let along signing up for a promotion that offers {$300.00}. I only signed up for the promotion of XXXX miles which I received in the mail, and that is the only one both XXXX XXXX and XXXX XXXX has acknowledged to me. How the {$300.00} promotion got attached to my account seems very suspicious. If this is not deceptive act then I do n't know what is. 

The value of XXXX miles is much higher than {$300.00}. I would never open a Citigold account and funding it with {$50000.00} for a promotion of {$300.00}. However it seems Citibank 's XXXX branch uses the XXXX miles as a bait tricking customer into opening a Citigold account but then switch to a much lower promotion offer. This is an absolutely dishonest and fraudulent banking practice that no customer should ever experience. 

I have attached all the email communication between me and XXXX XXXX and XXXX XXXX. Please do n't hesitate to contact me if you require any other information regarding this matter. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2016 about Bank account or service (Checking account) with DISCOVER BANK (WA).
Issue: Account opening, closing, or management

Complaint: I signed up for a checking account during a Discover Bank Checking promotion where they offered a {$300.00} Bonus when you open a Free CashBack Checking account with direct deposit. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/2015-XX/XX/2015 using offer code XXXX ; I opened my checking account on XXXX/XXXX/15. 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. I had XXXX direct deposit payments completed with {$250.00} on XXXX/XXXX/15 and XXXX/XXXX/15. This falls within the time period of 90 days since the opening of the account. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Today 's date is XXXX/XXXX/15 and it has been more than 30 days since the requirements have been met.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (LA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: This company which I hold NO CONTRACT with nor have received services from is reporting a collection account against my SSN in the amount of XXXX with XXXX, XXXX, XXXX XXXX reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 National Credit Systems placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 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: This company below posted a collection account on my credit report prior to contacting me or giving me an opportunity to dispute by law I have 30 days to dispute. By law the collection company is required to send notification of debt. 
This is the three company trying to collect on this debt. 

XXXX XXXX XXXX {$470.00}

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The creditor is from TCS Thunderbird Collection and they were on my XXXX account since I owed the debt since 2013 but then XXXX XXXX fought them to get it off and they came off my credit but then they came back on under my XXXX report which is fraud. You ca n't resubmit a debt that has already come off a report so I need you to investigate them and let them know they need to come off. XXXX XXXX will continue to fight them until they come off my reports and they are direct violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: i have disputed a bankruptcy with experian credit bureau and for the months of  XXXX  and  XXXX   2017  they never disputed my complaint. I have sent them a certified letter which was signed for on  XXXX   XXXX ,2017. I also contacted the clerk of court in  XXXX   XXXX  and told me this belonged to a   XXXX    XXXX  whom i do not know. They are listing inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: all credit agencies reporting id fraud account that not mines .... '' child support and XXXX '' ..and outdated reporting infor since 2000 over 16yrs old and continue to refresh data/ date

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: XXXX 2017 I surrendered my vehicle to XXXX after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. XXXX has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with XXXX. I may need to take legal action to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Consumer Loan (Installment loan) with TOYOTA MOTOR CREDIT CORPORATION (MI).
Issue: Problems when you are unable to pay

Complaint: My car was repoed. Toyota finance says my balance was {$4300.00}. I paid {$5600.00} through my bankruptcy dispersed to Toyota. ( copies included ) I also paid 2 years at {$260.00} per month before my bankrutpcy. That 's {$6400.00}. For a total of {$12000.00}. When i called after the repo Toyota did n't know that {$5600.00} was collected through the bankruptcy. That money was never applied. When they realized it I was promised a phone call back, and they would work something our with me. I have been ignored. I want my {$12000.00} back. That is what I paid for my car. They took it. Sonow they owe me what I paid for the car. I have included copies from the bankruptcy trustee, and a balance from Toyota. they took the entire car with low miles on so I want all of my money. It 's not fair that i paid all that money and they keep all the interest and the principle. so whay is fair is all the money I paid

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a dispute letter to the bureaus ( XXXX, XXXX, and Trans Union ) this past XXXX 2015 requesting that they remove a XXXX debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Credit decision / Underwriting

Complaint: On or around XX/XX/XXXX, I applied for a mortgage loan to reduce my mortgage payment at BMO Harris Bank XXXX Illinois XXXX XXXX location. I talk with XXXX XXXX ( XXXX ). I sign a paper so I could start the application process and for him to Pull my credit report at which time I had told him I had file for bankruptcy in XX/XX/XXXX.He said that did not matter, because they 're doing this new program, where I get a grant to pay closing cost for {$1000.00}. This sounded good. Made an appointment, I gave him copies of my Bank statements for 2 months current copy and current copies of my mortgage statement for 12months and information about property taxes, and home owner insurance, then he asked me for a lease for the rented apartment I said ok made another appointment .he did not show up for this appointment. re-schedule. I got tried of the run-around and called him and said that ok about the loan. Then I decide to try again because no one would give me a loan. On XX/XX/XXXX. I called XXXX XXXX XXXX and asked was it to late to get the loan he said no just bring in the lease form. I said ok. I took in 2 years of tax returns, copy of home owner insurance and the lease. He said I had to sign a new application form so I did. I asked him did he have to pull my credit report again, he said '' NO. he said they keep the credit report for 90 days on file. I said ok. Then on XX/XX/XXXX I receive a credit alert on my credit report that a hard pull was being made by BMO Harris Bank . I then gave XXXX XXXX a called and asked him why he had pull my credit report again, he said he was sorry they only keep it for 30 days. I was upset so I just waited to see if I would get approve for the loan. He told me I would receive a package in the mail bring it in we will go over them. I did receive the package and a statement of credit denial letter dated XX/XX/XXXX. reason for denial Bankruptcy I called him today and told him that he knew I had file bankruptcy and should not have kept pulling my credit report and told him that I told him doing the application procedure that I had file chapter XXXX. he said he was sorry but have not seen the denial letter yet and would call me as soon as he see it. I said ok and file this complaint on XXXX XXXX. XXXX XXXX XXXX.

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