milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OR).
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: I bought used chiropractic equipment from an office overseas, that I was previously employed by. 
Seller required ( per our PnS ) full payment wired ahead in order for me to take possession of the equipment, which was done on or about XX/XX/XXXX. 
While on location - On XX/XX/XXXX or XX/XX/XXXX the Seller persuaded me to buy the business and keep it running. I agreed, and gave credit card authorization for {$8100.00} to handle extraneous " service charges '' required by the landlord. 
The following day, ( XX/XX/XXXX ) I cancelled the purchase of the business. I sent my reasons why and requested refund. I also Called CITI and was Assured since I received no product or service I had nothing to be concerned about. I received no cleaning service or product for that {$8100.00}. 
The seller, found another business to fill his office vacancy. 
I have a PnS agreement ( attached ) for the equipment, In section 5 under DELIVERY- it clearly states that the " buyer ( me ) is responsible for moving and transporting the equipment and all related charges. 
I have no such paper work for the {$8100.00} and the seller claims ( after the fact ) that the money was used in some fashion for packing and shipping the equipment, Which is simply not true - I have receipts showing separate payment for those services by others. The seller has no right to this money. And although CITI Bank was in agreement initially, they now claim that the case is closed. 
Very frustrating they'd align with the seller.

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 06/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A collection agency, Pro Collect, is trying to collect a debt that should not exist. 

In XXXX of 2012, I discontinued payment on a storage unit due to financial difficulties. Within a couple of weeks of non-payment, I received a notice from the storage facility that the locks would be cut and my items would be sold at auction. I received a prelien notice on XXXX, a lock cut notice on XXXX and a notice that my items were to be sold at auction on XXXX/XXXX/2012. With rent at the storage costing $ XXXX/mo, the items sold at auction should have well covered the month of rent that was due. 

It has been 3 years since I have heard anything about the storage unit. Now, 3 years later, Pro Collect, a collection agency, is trying to collect {$6800.00} in back rent on the storage unit. This is outrageous and a complete scam!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (I do not know) with Bull City Financial Solutions, Inc (DC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: not only have the debt collectors be argumentative they are providing false info using my personal info. Bull city has been notified by US mail and verbally that this debt is being disputed yet they refuse to provide me with a signed contractual agreement between XXXX XXXX and XXXX XXXX XXXX and they continue to report this alleged debt to the credit bureaus. 

RE : CUSTOMER ACCOUNT- XXXX FOR XXXX XXXX XXXX XXXX REQUEST FOR VALIDATION OF DEBT Dear Fiduciary, Your claim was received alleging that I owe a debt to an original creditor named XXXX XXXX XXXX, now in collections with your organization under # XXXX. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX, or BULL CITY. 
So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above. 
NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX that the principle, of this debt is in dispute. Please correct the records with XXXX, XXXX and XXXX to reflect that the principle is in dispute, as to SSN ending in XXXX, for XXXX XXXX XXXX XXXX. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above. 
Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Sincerely : XXXX XXXX XXXX XXXX, Authorized Rep

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon being denied from a lender for " too many inquires '' from   XXXX   report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my  XXXX  credit report that I DID NOT authorize and had no knowledge of. I contacted   XXXX   immediately and was given no relief. I alsp have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.    XXXX   XXXX    XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX    XXXX    XXXX / XXXX / XXXX  /i am currently waiting for the other  XXXX  credit bureaus to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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 as of late received a duplicate of my credit report from this consumer credit reporting agency WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX COMPLIANT in the verification of your consumer credit reporting as DETAILED in the description of eXXXX ( your web based XXXX verification process ) YOUR EXACT XXXXR definition ( per XXXX XXXX XXXX XXXX is that " XXXX is a web-based, XXXX 2 compliant, automated system that enables XXXX XXXX XXXX XXXX XXXX and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit .... '' Within the report I saw that there were negative installments noted in the record history. Since I am somehow very defective in the matter as to the HOW, When and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness. There are two accounts reporting these : 1 XXXX XXXX XXXX  USA-2 late payments 2. XXXX XXXX acceptance - reporting 1 late payment.

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 04-03-2015 about Bank account or service (Checking account) with UMB BANK, NATIONAL ASSOCIATION (MO).
Issue: Problems caused by my funds being low

Complaint: XXXX XXXX, 2015 my account at UMB was overdrawn by XXXX an ACH from XXXX bill installments I 'd forgotten about. On XXXX XXXX a 50.00 credit was given to my account by XXXX leaving my account at XXXX. Due process the bank charges their overdraft fee, creating - {$32.00} a negative balance. UMB then started to charge an XXXX negative fee for the next XXXX days. This is unheard of, I thought XXXX and XXXX were thieves. XXXX another fee scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX collection accounts, That i paid with the agreement to delete after payment was recieved through certified mail with the collection agencys. I am still seeing them on my reports speaking with a repersenative at transunion and XXXX both told me they had not recieved anything to change my report, I would have to send them a copy of the agreement, I have done as they asked and still no response, They have not been helpfull. XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX reported XX/XX/2015

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 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I bought a ticket from XXXX with my Arrival plus Barkclaycard on XX/XX/2017 traveling to XXXX XXXX XXXX XXXX, the ticket cost was about XXXX dollars. When I call Barclay to redeem my miles they are saying that my miles are no good because I was suppose to redeem them when my flight was completed ( meaning after 90 days only. ) How will I redeem the miles after 90 days if my flight was on XX/XX/3017? 
Now Barclay is not allowing me to use my rewards and they want me to receive a lower amount in money which reduces the value of my points. Previously they allowed me to use my points and now they are not. Barkclay is been disrespectful and is giving me a big problem. I feel that they are taking me for granted. I have been with them for about three years and have a great payment history. Previously I recommended them to several members of my family and friends however now I am in schock with the way they are behaving. I look forward to your response.

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 01/31/2018 about Debt collection (Other debt) with AFNI INC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AFNI company sent me a collection notice trying to collect a debt of {$1600.00}. I do NOT have a contract with AFNI, and I am NOT liable for this collection for this debt from XXXX. I am requesting that AFNI cease and desist all collection attempts. I do not have any accounts with XXXX either. I am also a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Their refusal to have the accounts removed has ruined my life and especially my credit. The department of education has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with Navient and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXXand they are all the same accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Portfolio Recovery Associates is reporting a debt on my credit file and they have refused to validate the debt, dates, provide me with requested invoices how deposit was applied and original contract. They have contacted my father and my children.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Midwest Recovery Systems (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: About a year and a half ago I purchased a membership to XXXX over Texas. I paid off the membership, and have provided proof to the debt company that it has been paid off. I have been harassed for months about this issue. I have issued verbal and written statements that they are not allowed to call me again, that the debt was paid, and that they have received proof of payment. They have acknowledged all of this, yet they continue to call, sometimes multiple times a day, and harass me at home and at school. They have used intimidation tactics, such as saying if I do not pay the debt in full they will destroy my credit. They have talked to my father, invading my privacy and causing emotional and social stress. They have not, as they said they would, sent me proof that the debt is owed. It has been more than 30 days. They are being fraudulent and negligent. They have reported it, falsely, and it is impacting my credit negatively and harming my ability to take out loans to pay for college and get an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   Law Dictionary ,  XXXX  Edition,   XXXX  , defines Verify a s, 1  ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate . '' 2 ) To confir m or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the accou nt ( s )   in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st hand   knowledge of the alleged account  ( s ) and  all that has ever transpired for the alleged acco unt ( s ), u nder oath and under the penalty of perjury. As I am sure that you are well aware, current  Federal  case law states th at, Consumer Reporting Agencies   bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Sectio n 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 09/15/2015 about Debt collection (Medical) with Phoenix Financial Services LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: # 1.FALSE REPORT : untrue and not correct. reported on my credit as open acct XXXX XXXX, XXXXdebt is from medical XX/XX/XXXX for family membercalled from XXXX XX/XX/XXXX @ XXXX, XXXX, and XXXX ... repeat calls.. less then XXXX hrs apart ... Talked to a XXXX Party about Debt : the collector spoke to my Son about the debt.. offered my son a settlement for XXXX my son who is XXXX yrs. old.. at end of convo.. the Collector asked who he was speaking to my son gave him his name ... .. My son asked who he was the collector gave his name XXXX XXXX # 2 Did not disclose communication was attempt to collect a debt ... I called in on XX/XX/XXXX, because I seen on my credit.. Did not disclose communication was attempt to collect a debt at first time I contacted ... # 4 Never received notice of rights to dispute ... have had the same address for 15 years.. and another call this morning XX/XX/XXXX at XXXX.. all calls made to my cell:

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account should have been closed and charged off in my bankruptcy back in XXXX. This is still showing a charge off for XXXX on my current 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 04-02-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am writing in regards 'default ' judgment against me back in 2008. XXXX XXXX XXXX purchased old debt, which the original creditor filed bankruptcy on. When they tried to collect the money from me, the violated many of my consumer rights and have sense been reported ( and corrected by ) to the Federal Trade Commissioner. Had my rights not been violated and I understood what was happening, they never would have won the case. 
I am writing to see if you would consider removing the judgment from my credit report. It has been satisfied and scheduled to be removed in 5 months anyway. XXXX was removed the judgment without my request due to the violations, I believe. I am wondering if you would consider doing the same?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2018 about Debt collection (Other debt) with The Receivable Management Services Corporation (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid to the origional creditor in full balance of {$160.00} by phone. This company will not remove themselves from credit report, they are illegally trying to collect ... ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: Yesterday I brought my bank, Wells Fargo a check from a major financial investment company. I was taking funds from an investment account to put in my WF account. It was n't some personal check from nobody. it was verifiable funds from a major company. I told the bank manager I am ONLY depositing this IF you can make some of the funds available to me immediately! If you ca n't, I am going to another bank and opening an account. She was wonderful, personally handled the deposit and made a small portion of the funds available in my checking account immediately. 
IN THE MIDDLE OF THE NIGHT, Wells Fargo pulled ALL those funds back!!! I called the bank manager and she told me there is nothing she can do about it! How is it possible that I saw the funds available in my account for 12 hours, I have a receipt that shows them available and a bank manger personally handled the transaction and now THEY TAKE THE FUNDS BACK and put a HOLD on them!

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 01-09-2018 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (ME).
Issue: Trouble during payment process

Complaint: Fay Servicing did not pay my homeowner 's policy from my escrow account on time, although there was sufficient funds to do so. My homeowner 's policy was cancelled on Friday XXXX XXXX XXXX. 
I did get an email that Fay paid the premium late ( XXXX XXXX. XXXX ). 
However, since the payment was made this year it has caused my escrow balance to be in the negative. 
Fay told my insurance agent on XXXX XXXX, XXXX that they were going to overnight the insurance payment. They did NOT do so.

Company response to consumer: Closed with explanation