milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (SC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: When I would view my credit card statement online, it would show that if I paid a certain amount how much the credit would cost me and how long it would take me to pay it off. 

I am an online statement customer. 

I logged into my Discover credit card on XX/XX/XXXX and looked at my statement to find that information and it was no longer there. It used to show that information. 

From research, I found that there was a law initiated in XX/XX/XXXX, that this information is suppose to be available to consumers.

I was looking for this information as I was thinking about taking out a loan at a lower rate than the Discover card and without that information, I am unable to move forward. 

The first agent I initiated chat with online stated that it is on the paper statement. Again, I get my statement electronically and again, it used to be available until they updated their website. The site is user friendly and pretty, but if it doesn't have the information I need ; what good is it? 

Please advise if this law is still in effect and if it is ; how do I make Discover accountable. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This collection agency is trying to collect a debt for XXXX and XX/XX/XXXX, I contacted them to see why I never received a final bill nor did I receive anything from the collection agency prior to reporting the account to my credit report.  The original customer service agent stated they mailed me all of this and gave me dates and the address it was mailed to but those statements are 100% false because I was living at the address during the time frame she stated the letters where mailed.  I got extremely frustrated and upset when she told me that I need to just pay the debt I owe and pay my bills and then this stuff wouldn't happen.  I ended up hanging up the phone and calling back to get a different representative who then stated that the letters where mailed to me but they were returned to sender as undeliverable.  It's my understanding that if the mail is returned to sender then they can't just take it upon themselves to report it knowing that I was never appropriately notified nor given the opportunity to rectify the account.  I then spoke to a manager that AGREED the debt shouldn't be on my credit and because it was already so late in the afternoon and they where closing, she gave me her name and told me to call  back the next day and she would take care of it. When I called back the next day, it was an act of congress to get the same supervisor on the phone an dwhen I spoke to her she acted as if she had no clue what I was talking about.   XXXX I reminded her of our XXXX hour conversation, she then stated she was going to get with her manager about the rude comments fromt eh original customer representative and she was also going to get with him about removing he account and starting over to follow the laws put into place to prevent things like this from happening.  On top of all of this I requested  validation that the debt was even mine because the rediculous amount of XXXX is what was claimed that was owed and my bill never exceeded XXXX a month.  Obviously if you don't pay, they disconnect your electricity, they don't let you go XXXX months without paying.  Once the supervisor got her supervisor on the phone, she then denied ever telling me anything that she did and said her manager said their was nothing that could be done and even though the mail was returned they weren't deleting it and I just needed to pay it.  Their are laws for a reason but when they aren't required to follow them what is the point in even having them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello this company has for the past 7 years put something on my credit that i tried so hard to show them that is not mine and have encountered nothing from them but lies and and manipulation of the system the 7 years have passed and it was removed off my credit but today i received a notification that they placed it back on my credit file with XXXX in direct violation of the fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Other debt) with ERC (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had XXXX I 'm not sure when I contracted but when I did the installer had to enter my home through the attic. The room where the attic is located in a room I rarely enter so I did n't notice that the installer damaged my property until later. I notified XXXX on a call to them while addressing another issue be it there poor service which went out quite often or an occasion where a representative was very rude to me and refused to transfer and I had to escalate the call. At any rate, I ended up canceling the service when they renigged on offering a payment plan and then said they did n't and it was just one thing after the next. They threatened to take funds out of my account which I did n't have and said that is what I agreed and then refused to send me the contract. When I mentioned the damage they then sent me on a wild goose chase to file a claim for which the company has no affiliation with them. Some of the interactions were just simply unprofessional and not very helpful. When I finally received a call from a collection company I informed them of the damage and advised that I was disputing the amount which is {$100.00} and asked if I needed to place the information in writing the representative stated no. I did n't receive any additional calls from them. It 's the New Year so I wanted to take a gander at my XXXX and low and behold who has placed a Collections on my file. I am still in dispute with this and feel that they should have investigated this claim that their employee damaged my property. Then they damage my credit this is unfair treatment but this is how they have been treating me since I 've made my claim. Please investigate XXXX and the Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. You attention is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had filed a dispute towards a collections company who was reporting along with a second company a debt of {$610.00}. I sent a letter of debt verification which they could not respond to. This debt was not mine, they removed it from my credit report already. Now this new company has popped up in my credit report, reporting the same exact information. 

I have no idea who this company is or why they are reporting to my credit reports but I will be sending a letter of verification and filling a complaint because I have no idea who they are. 

This was XXXX 's closure response : " The account was recalled by XXXX on XXXX/XXXX/XXXX. The account was submitted for deletion from the credit report on XXXX/XXXX/XXXX. 

However, since she has indicated that the account remains on her credit report, we have submitted an online manual deletion on XXXX/XXXX/XXXX. The XXXX reference number is XXXX. 
We believe that this will resolve this matter for this consumer. If you have further questions, please feel free to contact XXXX XXXX at XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: I submitted a CFPB complaint previously ( XXXX ) with Citibank alleging that they had failed to uphold the terms of their promotion by not paying out XXXX ThankYou points for the checking account bonus. They responded by telling me they would honor the promotion but that I needed to send in a XXXX form so they could verify my identity ( despite them already having done this when I opened the account ), and to call a number in their XXXX XXXX office after I 've sent it in. I sent it in immediately and have called several times but have always gotten a voicemail ( I 've left voicemails twice ), and have never heard anything back, which makes me think that they are once again trying to avoid paying out the bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Credit card) with CITIBANK, N.A. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is regarding a Costco AMEX card balance that was transferred to Costco CITI without my knowledge and consent. I did not asked for a new Costco CITI card and I did not applied for a Costco CITI card. I never got a written notice that this was going to happen automatically and have not received a Costco CITI card. As a result of this error in collection that was amounted to {$250.00}, my XXXX score dropped from 825 to 688 and continue going down. I had loss opportunities of seeking new credits such as mortgages, auto loans, or personal financing. Loss opportunity in getting jobs due to XXXX drop. Many others damages that is without end to name. I have tried to resolved this issue with CITI collection without any end resolved. Please help me correct this bank predatory behavior. Thank you ACH.

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 06/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I closed out my credit card account with XXXX XXXX bank but they reported that I was delinquent in paying starting in XXXX XXXX. I asked them to close my account in XXXX but they did not and reported me as delinquent instead. I attached a letter from XXXX XXXX Bank stating I have a {$0.00} balance and the account is 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 12-04-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: this report # XXXX not mine please remove from all XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN).
Issue: Fraud or scam

Complaint: I found and contacted the seller of a XXXX for {$1200.00} on XXXX on or about XXXX XXXX, 2015. The seller is listed as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXXAfter a series of communications, the seller gave me an XXXX Payments Order ID XXXX, asked that I send the purchase price through MoneyGram to that company 's attorney, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. This was done on XXXX XX/XX/2015. 
I learned that the funds were picked up by XXXX XXXX in XXXX XXXX on XXXX XXXX. 
I have sent a number of emails to XXXX XXXX asking for a status report with no response. 
I want to knowXXXX Is this a scam or not,XXXX If yes, how do I get my money back? 
XXXX How can we stop this experience help stop future scams

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX, Wells Fargo alerted me via phone to possible fraudulent activity on my checking account. I immediately went to log in to my onlie account via the Wells Fargo App and found that I wasn't able to due to an incorrect password. After resetting my password and logging into my account I found that my account balance was incorrect. XXXX dollars had been transferred to my account and then taken out my via a non-Wells Fargo ATM in XXXX, North Carolina. Eight ATM transactions were made for a total of {$3900.00}. That same day I called Wells Fargo and reported the transactions. They then informed me that my online account had been hacked and that the money was a cash advance from my credit card account to my checking account. In speaking to Wells Fargo ATM/Debit claims department I informed that these ATM withdrawals could not possibly have been made by myself. I live in XXXX, GA and have not left the state in over 30 days. I have never given my pin number to anyone and that my debit card never left my possession. I received a letter from the Claims Assistance Center on XX/XX/XXXX stating that because the transactions were made using my card and my pin number that they were made by me or by someone with my permission. This is not the case. I was told there was no way to appeal the decision and that the only option I had was to request the documents used in the investigation. Which I have done. I believe that further action should have been taken by Wells Fargo. I can prove that I was not in the state of North Carolina at the times that the ATM transactions took place and I don't believe they can prove that I authorized someone to make these transactions. I have been with Wells Fargo for 7 years and if they had reviewed my bank transactions that they would find I don't use non-Wells Fargo ATM 's for large withdrawals and that I have never made 8 ATM transactions in one day before. I also have never made a cash advance on my credit card. I believe I was the victim of fraud and card cloning. I was treated unfairly by Wells Fargo when they didn't take into account my account history when they made this decision. They are now seeking payment for the cash advance and will not refund me the money taken from my account so it can be transferred back to the credit card.

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 12/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon checking my credit report at XXXX, I detected that " XXXX '' cable/cellular imposed on me charge on amount {$2300.00}. I state, that, I never used " XXXX '' services cable/cellular. It is apparent to me that my identity was compromised by fraudulent activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of America Ltd. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I need COLLECTION BUREAU OF AMERICA FOR to validate and verify pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and COLLECTION BUREAU OF AMERICA is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). COLLECTION BUREAU OF AMERICA has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want COLLECTION BUREAU OF AMERICA to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) need this information because within five ( 5 ) days COLLECTION BUREAU OF AMERICA needs to provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for COLLECTION BUREAU OF AMERICA. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants CREDIT BUREAU OF AMERICA TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because COLLECTION BUREAU OF AMERICA says she owes them money and according to the LIBER CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract with. The unauthorized intrusion into the Consumers Credit Reports are not part of what Consumerism is about. This CORPORATION is in PROFIT, TRADE, AND BUSINESS, and the Consumer has personal, family, and household goods and it is not to be misconstrued for PROFIT, TRADE, AND BUSINESS, like this CORPORATION,. 
COLLECTION BUREU OF AMERICA is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. XXXX XXXX XXXX XXXX Consumer

Company response to consumer: Closed
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On   XXXX   XXXX   XXXX     while reviewing my account with  Bluebird ( American Express )  I noticed a few transactions that I did n't authorize a ATM withdrawal of {$320.00}, an online purchase from  XXXX  of {$1.00} and an online purchase from  XXXX  for {$50.00} with all atm fees it totaled to be {$380.00} in unauthorized charges, I contacted  Bluebird via letter as in structed and immediately canceled my card. On   XXXX   XXXX   XXXX     at  XXXX  I recieved an email stating Hi  XXXX   XXXX   , We received your dispute for the transaction below and are currently investiga ting it. Well send you another email with in 10 business day s with more information, including whether or not were able to credit you for the charge.     Disputed Transaction Details : Transaction at  XXXX    XXXX   XXXX   Amount {$320.00} TransactionDate   XXXX     Questions? Call us at  XXXX  were available  24/7.      Thanks, The  Bluebird Team T han on   XXXX   XXXX   XXXX     at  XXXX  (  1 minute  later ) I received this email.   Hi  XXXX   XXXX , Recently you inquired about your charge  ( s ) from your American Express Prepaid Card in the total amount of {$380.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore the transaction ( s ) is not eligible for credit to your Account.      You have the right to review any documents we relied upon in making our determination.      You may request this information by writing to us at the following address : American Express Attn : Account Protection Service MC  :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , UT  XXXX  Thanks, The  Bluebird Team Than on    XXXX   XXXX   XXXX     at  XXXX  Hi  XXXX   XXXX    ,   During a recent review of your Account, we noticed activity that was in violation of the  Bluebird Memb er Agreement, section :  22D Due to the violation  your Account has been locked and your Account privileges have been suspended.     If you have any questions, please call Account  Protection Services  at  XXXX .     Thanks, The  Bluebird Team They did n 't investigate in less than a minute, and would n't give me a reason as to why it was n't even looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX pronth in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent several certified letters asking them to Validate this account with my Signature within the 30 day time frame. I did not receive any responses from them. Even though they signed for the letter. They still have not removed this account from my Credit reports They also show this account still open with XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Billing disputes

Complaint: I had a secured Capitol one cred card for a few years. I paid a $XXXX payment on this particular account the end of XXXX. Soon after the payment was made  I simply called and asked the customer service rep , if I closed my secured card account , would it hurt my credit. I at that time at XXXX other unsecured Capitol One cards and didn't feel I needed the secured card because my credit was descent now. I went online to make a payment on the secured card, it was still a $XXXX and some balance. The account was closed. I called the customer service line again , and the day i was asking questions about my account, this person CLOSED my account. I have repeatedly called capitol one and they say i have no money left on my secured account. When I look I have $XXXX available credit. They WILL not give this money back to me. I have statements saying I paid that $XXXX and the statements show that I should get that $XXXX back. Capitol one more or less says sorry about your luck. Now every single month they are charging me late fees and the account has been closed for months. They will not listen. The $XXXX on the account should have what is owed deducted and the balance sent to me.  I have all the paper work to prove what I am saying is accurate. They are crooks and NOW I closed every single account I have with them, including my auto .I will take this to court if i have to.

Company response to consumer: Closed with explanation