milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX, XXXX sent a package to my XXXX NC home, and it was immediately returned. I never purchased anything from XXXX, nor did I ever attempt to open any account with XXXX. I am a XXXX, so when I came home for break, I seen that I had a collection letter from XXXX dated XX/XX/XXXX, stating that I owe {$810.00} for an unauthorized account. I honestly do not know what is going on and why I am receiving this notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: According to https : //www.equifaxsecurity2017.comXXXX I may have been impacted by the Equifax data breach made public XXXX 2017. I have been forced to implement a credit freeze and will need to continue to monitor my credit in the future due to their mishandling of sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Using a debit or ATM card

Complaint: I paid {$140.00} from my PNC Bank debit card for services at a hair salon. Long story short, I was not happy with the services and disputed the charge. The salon knew what they did and offered to pay me {$100.00} of it back. I accepted the offer and said they would mail me a check. When I did n't get the check after 8 days, I disputed the entire {$140.00} at the bank. They credited my account immediately, then determined later that I should not get my money back. I received a letter in the mail stating they were taking the funds back out of my account on Tuesday, XXXX XXXX. 

I called them to re-dispute it on Monday, XXXX XXXX. I was read a script to let me know that " I would have full use of the funds immediately '' until another determination was made. Instead of making the funds available, they took them out. 

The following day, my auto insurance was debited, over drawing my account. I was then charged a {$36.00} fee on XXXX. I made a complaint on Thursday, XXXX with the bank and received a call today, Saturday, XXXX from XXXX XXXX in the Escalations department. He said there was nothing they would do about the fee, and they were n't putting the {$140.00} back in my account. 

I 've had other frustrating experiences with PNC 's customer service in the past. I just have n't had anything legal or ethical to report until now. 

Also, I can not copy the full information from my bank account online. The system wo n't let me. I did however, copy the page and it does reload to see my acct information. Here is the link : file : XXXX The {$20.00} Final Dispute Credit on XXXX was {$20.00} that the ATM machine took from me on XXXX XXXX when I tried to deposit {$180.00}, but did n't get credited to my account until XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Robo call XXXX credit card XXXX. I have no credit cards. This call is every few days and cost me minutes on my cell package.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX F, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX F, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A company identified as : XXXX made hard pulls of my Equifax credit report on XX/XX/XXXX and XX/XX/XXXX without my authorization.
After some research it seemed this is XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Using a debit or ATM card

Complaint: USAA promised they would not charge Foreign Transaction fees when they forced customers to switch from Master Card to Visa. They are now saying that this only applies to the credit cards. They have done a bait and switch and deceived customers. It is documented several times in USAA communities that there would not be Foreign Transaction fees for Visa cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: A denial letter dated XXXX/XXXX/XXXX had a score of XXXX. On XXXX/XXXX/XXXX, a denial letter had a score of XXXX. The XXXX/XXXX/XXXX letter was in response to a secured card. According to both letters, XXXX provided the score. Please tell me if there is a different credit card scoring used for the secured card. I do n't see how the score went down by 76 points. I opened a new card, with another bank, in XXXX. I think it should be on the report pulled for the denial letter dated XXXX/XXXX/XXXX. The letter dated XXXX/XXXX/XXXX, also mentioned income being insufficient for requested credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Savings account) with ZIONS BANCORPORATION (UT).
Issue: Deposits and withdrawals

Complaint: Zions Bank of Utah seized the money from my savings account for inactivity with no notice until after they took my money on XX/XX/XXXX. They say I 'll get it back, but still do n't have access to my money, XX/XX/XXXX statement said account was 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 12-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed XXXX and XXXX accounts and hard inquiries ( XXXX/XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was denied online a copy of my credit report as they said they could not verify my identity ( I believe this is due to confusion with my son 's Texas address which appears to be reported as an address I have lived at [ I have not lived there ever ). I filled out their mail form as requested. I got back a response again asking me to verify my information with full name, SS #, complete addresses for the past 2 years, DOB, copy of driver 's license, and a copy of a recent utility bill. I responded again by using their required form, sending them a photocopy of my current Georgia drivers license, a photocopy of my social security card, a photocopy of my current electric bill, and on thier required form my addresses for the past 5 years, my SS #, full name, & DOB. As a response, I got back the SAME canned form asking for the same identification information again! 
What did they do with the photocopies of my drivers license, social security card, electric bill and other information? I provided each item on their list and checked it off, and even sent back the list with the required information to show I had provided it. I also stamped my current name and address on the front & back of each submitted item, so if it got separated it could be easily identified. What has happened to my information that I submitted to EXPERIAN? Why can they not get this corrected? I feel like I am in an infinite loop! My credit card was recently hacked and I need to see my report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Debt collection (I do not know) with SECURITY FINANCE CORP (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Security Finance in XXXX NM. keeps calling everyday after we go and tell them we will be on a certain day and come out to the house to collect. We try to pay as much as we can and explain to them that when the money is there, we will pay the weekly/ monthly rate when we can. Do to the lack of money coming in from not having a job and recently starting a job, we do the best we can.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: sent for and received a copy of my credit report, and it shows me to have lived in California. I have never lived in California in my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with D&A Services, LLC (CA).
Issue: Closing/Cancelling account

Complaint: Hi, this is in regards to a XXXX credit card ending in ( # XXXX ) in the amount of {$28000.00} held by collection agency " D & A Service '' that has had no activity and or payment history in more than ( 6+ ) years making it time barred from persuing legal remedies to collect since the statue of limitations has expired. I would like you to contact " D & A Service '' to have them remove this negative and time barred debt from my XXXX, XXXX & XXXX credit report since all my efforts have been exhausted and or failed. In addition, if possible, have them write a letter on my behalf confirming this debt indeed has exceeded the ( 6+ years ) time to collect. 

COLLECTION AGENCY : D & A Service ( their account # XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, IL. XXXX : ( XXXX ) XXXX last XXXX digits of my social security if needed is ( # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I 've recently got a debt removed from my XXXX credit report with XXXX XXXX due to identity theft. Now as of XXXX XXXX 2017 it has been added on under a different collections company name PINNACLE LLC/RESURGENT and the amount is {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IN).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with a promotion code that said would provide XXXX XXXX XXXX miles once met the requirement. There was no any word in the term saying that I am not eligible for the offer and I also confirmed several times with the bank and the customer service people, they all told me I could get the offer. However, recently, Citi bank told I was not eligible for this offer because the offer is only available to certain people. They never mentioned that when I opened the account. They should fulfill the offer.

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 04/16/2017 about Debt collection (I do not know) with Monterey Financial Services LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2017, I received an alert from myIDcare reporting a new collection on my credit report. 
The credit company source : XXXX The company reporting : Monterey Collection SV The Payment Status : Collections The status date : XX/XX/2017 The balance : {$800.00} The company address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I am a XXXX veteran ( 20 years, 8 months, and 21 days ) with an active security clearance. The myIDcare service provided by the Office of Personnel Management ( OPM ), because their servers were hacked a few years ago. As a result, I was notified my security clearance and personal information was compromise. 

The Monterey Collection company did notified me of any attempt to collect a debit. Here 's my list of issues : 1 ) I did not receive a phone call, letter through the mail, or e-mail from Monterey Collection SV to indicate I incurred a debit with their company. 
2 ) Monterey Collection SV did not include information regarding the name of the creditor. If there is a creditor, the total amount owe to creditor was not provided. 
3 ) Monterey Collection SV did not provide proof of debit e.g., ( loan documents, promissory note, etc. ). 
4 ) If the debit is owe to a creditor, why is Monterey Collection SV listed as the originator of the debit. 

I am unaware of having a debit in the amount of {$800.00} to Monterey Collection SV. The information provided by XXXX list XXXX as the credit Bureau reporting the information. 
In addition, I have been approved for a home mortgage loan through XXXX XXXX XXXX XXXX with a possible close date in either XX/XX/XXXX or XX/XX/2017. The derogatory information reported to the credit Bureaus could adversely affect my ability to close the home loan. So far ( as of XX/XX/2017 ), the collection item added to XXXX on behalf of Monterey Collection SV has cause my XXXX credit score to decrease XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is in regards to the response to my fourth complaint regarding XXXX XXXX and credit reporting. In XXXX of XXXX a complaint was submitted regarding XXXX XXXX reporting a delinquent payment status on my account. After the complaint was resolved XXXX XXXX sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX XXXX XXXX reported to XXXX  and Experian that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of 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 09-02-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Problems when you are unable to pay

Complaint: I filed bankruptcy because I have XXXX and could not work anymore to afford the payments. I surrendered the vehicle and I was told that it would come off my credit. They told me that it would be removed and it has not.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (VT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: EOS-CCA is illegally trying to collected a debt in a state that they are not registered to do business in. Per Vermont 11A V.S.A. 15.01.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: I recently signed up with Chase for a credit card that worked with XXXX XXXX for frequent flyer miles, the " XXXX '' program, the XXXX XXXX XXXX XXXX. The promo that was advertised was for XXXX bonus points after spending {$2000.00} within 3 months and I did meet that requirement. After meeting this requirement I was not rewarded the points initially offered. The ad was a link directly from the XXXX wesbsite to a chase credit card application from a promo that was advertised on the XXXX website. Once I contacted chase to inquire about the points I was told that this was not the offer that I had signed up for even though the link from the XXXX site took me to the application directly, giving me no other options for offers or applications to accept other than what I was re-routed to. 

This is very misleading to the consumer. You should not be allowed to advertise a certain promotion and offer a benefit for giving a company your business and then not follow up. I fulfilled my part by spending over {$2000.00} in the first 3 months and the credit card issuer should be held accountable for their advertising, whether their links are correct or not. I know the credit card company would hold me accountable for my commitments to them and they owe the same to each consumer. 

I feel this is a fraudulent advertisement. The company is intentionally enticing consumers with what looks to be a great offer and is then changing the promo offer after the application is submit to a lesser offer, a bait and switch it seems. This theory is based on my communications with Chase who told me I had accepted a different offer even though there were no offer choices after clicking on the link for the XXXX points. 

Attached is : 1. a screenshot of the offer 2. a copy of the last communications with chase 3. a copy of the statement where the {$2000.00} spending requirement was fulfilled

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  has not updated the payment status on Equifax &   XXXX   to paid. Equifax is still reporting " Bad debt & placed for collection & skip '' The balance is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My issue is with a car lease. The car was not repossessed. It was surrendered because of a very serious safety issue with the car. The company did not resolve the issue in a timely manner. My son had to drive the unsafe vehicle back to the original dealer, which was an hour of driving the vehicle. His life was at risk driving this unsafe vehicle. No loan car provided. XXXX resolution center was of no value in helping us resolve this issue. Weeks of talking to representatives, opened a case with XXXX. The facts were not correct on the report on their behalf. The worst service I have ever had. XXXX leased a car to me after the fact without a problem. Also just paid a lease off for my XXXX. My credit is excellent and this unfortunate issue of " safety '' is hurting my credit.

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