milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Cash advance

Complaint: In XXXX 2015 I contacted Capital One regarding paying off my cash advance. I was told an exact dollar amount that I would need to pay off the balance of the cash advance. I took out a loan and paid the exact amount that was needed to pay off the cash advance plus the minimum payment required in XXXX 2015. I just reviewed my statement and noticed they are still charging me a separate interest charge for the cash advance. I contacted Capital One and they said the payment was applied to my balance, not to the cash advance and they could not change how the payment was applied. I have documentation from Capital One showing the exact amount they said I needed to pay in order to pay off the cash advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (NC).
Issue: Received a loan I didn't apply for

Complaint: I am responding to your contact about collecting a debt. You contacted me by phone at XXXX and XXXX as well as mail XXXX XXXX XXXX XXXX XXXX XXXX NC, also address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC on XXXX/XXXX/XXXX And identified the debt as Advance America this matter has been in dispute since XXXX have been back and forth with this company over and over since XXXX and XXXX about this debt I have expressed to this company many times that I had identity fraud and sent them the paperwork that they want me to fax over back in XXXX this company has been harassing my family and leaving message on my job phone this need to stop now the police report number for this XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Other debt) with Credit Bureau of the South, Inc. (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I checked my credit score back in XX/XX/XXXX and it turns out that I owe {$300.00} to an utility bill. I contacted the company and was told to email a dispute, which I did. I called back a month later, XX/XX/XXXX ( today ) and just wanted an update on my dispute. XXXX, the general manager answered the phone and the mood changed once I told him my maiden name ( XXXX ). 
I just wanted an update and relayed that it was code in as a dispute. I then asked if it doesnt do anything if I dispute an account and he answered with a sarcastic tone, its code in as a dispute but it will still stay in your credit score until you pay it off. Mind you, Im not familiar with how any of this works, a little more knowledge would have been appreciated. 
I added, well wouldnt it seem unfair to you that you call the utility company and tell them youre moving out of state and you pay a fee to close the account but nothing is mentioned about owing anything? He proceeded with a sarcastic tone, it seems fair to me because its for services Id use. ( Which I agree but my main is that I wasnt NOTIFYING I owed the money. ) Then I explained to him that I never received a notice and that I changed my address last month with them. Again, with a non-friendly tone of voice : We dont have a crystal ball to find out where you are, we send it to the best location possible. The utility company sent a letter once and we sent two notices to a XXXX XXXX XXXX Ive never lived in an address like that, and even when you pull my credit report ALL of my addresses come up, but not one XXXX XXXX is ever there. 
Is there anything else I can help you with? He said with a rude tone. 
Do you settle account? 
He sighed and hung up on me. 

I called back and I got a lady on the phone, I explained what happened on the previous call and she said I was speaking to XXXX, the GM, that theres no one higher I can speak to but him. 
I said, so the general manager is the one hanging up on people? She proceeded to transfer me to his voicemail because he wasnt available. 


Collection companies really do make it hard when all youre trying to do is mend your credit score. Id love to pay but I still see that its a bit unfair that I was never notified. If you check my score, thats the only account I owe and its in collections because I was never NOTIFIED. 

I wish I could pay the money to another company, not them. A company that isnt based in the south and whose attitude wont change after you provide your maiden last name - XXXX descent. Sounds sad, but true. 

Also to note, the utility company had all of my personal info, name, dob, Ssn, email, phone number. How come they never attempted a call? Neither did the collection company - not one call.

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 12-09-2016 about Debt collection (I do not know) with Midwest Recovery Systems (AK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Got notice that there was new claims on my credit report so I looked and there 's one from Midwest recovery and they reported it twice and it on there twice so it shows I owe {$880.00} dollars twice for the same dept and my credit score took a huge hit from XXXX to XXXX and no information on dept or any notice at all and another from XXXX for XXXX and that 's paid as of 9 months ago and still remains in my credit

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I was first made aware that the XXXX XXXX XXXX XXXX ( XXXX XXXX ) charged XXXX separate penalty fees totalling approximately {$820.00} for previously cancelled reservations to my American Express ( AMEX ) account. I made the reservations with the XXXX XXXX via the AMEX Fine Hotels & Resorts ( web portal ) and the reservations were guaranteed with my AMEX card. I cancelled these reservations in XX/XX/XXXX, months before the scheduled dates of the stay, via the AMEX web portal. I received cancellation confirmations for each reservation from AMEX travel. I have uploaded copies of my cancellation confirmations with this correspondence. For reasons unknown, XXXX XXXX charged me non-cancellation penalty fees on XX/XX/XXXX and XX/XX/XXXX. I have been an AMEX customer for nearly 10 years, and It is my custom to pay my AMEX card to " {$0.00} '' each month before the end of the statement cycle. As such, each month AMEX reports my account to the credit bureaus with a XXXX balance. Due to the erroneous charges placed on my account by the XXXX XXXX, and accepted by AMEX, my account balance jumped from {$0.00} to over {$600.00} in a single credit reporting cycle. This had a catastrophic effect on my FICO score, I have included correspondence received from XXXX evidencing the damage that AMEX has done to my FICO score. My credit score was damaged due to the negligence or willful disregard of AMEX and/or XXXX XXXX. Moreover, this is the SECOND time this has happened. InXX/XX/XXXX, AMEX has accepted a penalty charge from the XXXX XXXX for a cancelled reservation and it took 5 months for AMEX to resolve the issue. There is clearly a systemic failure relating to AMEX, its web portal, or its relationship with XXXX XXXX, that is harming its customers. Between XX/XX/XXXX and the date of this complaint, I have contacted AMEX call times and talked to numerous AMEX representatives, each one attempting to shift the burden of resolving this issue to another person or another department. Finally, on XX/XX/XXXX 2017, I spoke to a customer service supervisor who identified himself as " XXXX. '' I was on the call for a total of 40 minutes, most of that time on hold, before I was able to speak to XXXX offered to credit {$450.00} to my account as redress for my damage and the tremendous inconvenience I have experienced. That amount would not even cover my annual fee. This is NOT a fair resolution for this completely avoidable, recurring error by AMEX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/26/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Midland Funding to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Opened CitiGold account in XXXX 2015 for XXXX TYP promo. Met requirements within the allotted time period ( 2 bill pays within 60 days ). Verified multiple times over the course of a few months that the requirements were met and the points would post. Waited for the points to post and they never did. I have screen shot records of the promotion and the verification that I would receive the points. I have been bait and switched by an offer which has not been fulfilled. CitiGold is defrauding customers by offering promotions and not honoring them. I should be entitled to XXXX points worth {$500.00}.

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 07-12-2016 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent many disputes to the Credit Agencies and to Fair Collections and Out in regards to the account that they are reporting on my credit file. I have informed them many times that this account do not belong to me. I contacted the Credit Agencies and they stated that Fair Collections and Out verified that this account is accurate. But it is ironic how Fair Collections and Out will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Fair Collections and Out. Not to mention, this account is still reporting on my credit file. I need your assistance in getting this matter resolved.

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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I became a teacher thanks in large part to receiving my XXXX grants for my graduate studies. In XXXX of XXXX I was notified by XXXX XXXX XXXX that my " grant '' was now a loan that they were collecting on. I became a certified XXXX in XXXX and am now tenured. I have been with the same employer since XXXX. XXXX XXXX is not interested in working with me and have indicated that they feel justified in collecting money from me that the US Department of Education granted to me. I make sacrifices to continue XXXX ; financial, personal, and professional sacrifices. Please rectify this issue.

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 11/23/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit line increase/decrease

Complaint: I really need CITI to lower my interest rate for a short period of time. Because of lowering my original credit limits my credit score has dropped drastically. Therefore my ability to receive more work has been limited to the point where I need to make this request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have never been in a guitar store. On XXXX XXXX the account was closed. I no not know where they got my name. It is a collection for {$3700.00}. 

Thank you, 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 non-monetary relief
Consumer complaint received 02-09-2016 about Debt collection (Payday loan) with CASHCALL, INC. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call XXXX XXXX collections

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (I do not know) with ALLY FINANCIAL INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have been receiving collection calls from Ally Financial after I explained to them I am not the party they are seeking please remove my number and do not call my cell. I have received XXXX more calls this week from XXXX harassing me, these calls were made on XXXX and XXXX to my cellXXXX. I understand they are currently in violation of the FDCPA prohibiting calls to my cell after I have told them numerous times not to contact me I am not the correct party. I will also send this complaint to the CEO of the company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for a CitiGold checking account in XXXX 2016 with the promotion code : XXXX. This promo code gives XXXX AA miles when you have XXXX consecutive bill pays and {$1000.00} debit card purchases within 60 days of opening the account. When signing up, I ensured that the code went through into my account on the right-hand side before proceeding to open the account. 
After 60 days, I contacted Citibank regarding the status of my account and when I would receive my miles. They told me I had qualified for the promotion and that the miles would be applied to my account in XXXX 2016. When I logged in again in XXXX and inquired about the miles, they had told me they put a claim through. In XXXX, I heard nothing back from Citibank and inquired again. This time, the representative put through a claim and I received a response back stating that the promotion code was not applied to my account and I did not qualify for the promotion. 
Each time I spoke with a representative, I inquired about downgrading my account, but each representative said that they can not until the promotion value has been added to the account. Because of this, I continued to pay the $ 30 monthly fee for having a CitiGold account. None of the employees would allow me to downgrade the account because I had qualified for the promotion and was advised to keep it opened until everything was settled and cleared. 
I was told by two representatives that the promotion code was on my account and that I had qualified, and told by another representative that they could not see the promotion code and that they are unable to give me the points. If one representative was able to see the promotion code, why were the other representatives unable to see it too? 
It is not XXXX going into XXXX and my XXXX AA Miles have still not been credited into the account.

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 04/22/2015 about Debt collection (Medical) with Halsted Financial Services, LLC. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Halstead Financial Services has been calling me on and off for 2 years trying to collect a medical debt from a hospital i have never been to. When I request a bill they say they have sent bills and I have not responded. They state they will list me as a refusal and hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Problem : Equifax sent an unencrypted email to me that included my user name to the Equfax web site and a transaction number. Doing so removes a layer of security ( user name ) from the unauthorized access to my credit information through Equifax 's web site. This is simply stupid by them and I want them to stop doing it. [ I am a retired XXXX with 27 years experience. ] History : I regularly obtain my credit report from all XXXX major agencies. For the last 3 years, I 've not been able to request it through their web portal. So I 've been calling their phone number to get it, and it arrives within a couple of weeks. But, this time, I received an email at the address they have on file which contained security information ( user ID ) and a transaction number. Unencrypted emails are not secure, and can be read all along the way from their server, to any server in-between, and on my mail server. Any nefarious person could tap into the email streams and gather such sensitive information, especially if they focus on the domain names of the XXXX major credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Medical debt) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I reviewed my credit report in XXXXXX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to XXXX XXXX  XXXXXXXX XXXX. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They are claiming that I owe on medical debt and during the time they report that I owe on this debt I had XXXX that covered my medical visits and costs. This letter was sent XX/XX/XXXX and I have not received a response to date.

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 04/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed bankruptcy on XXXX XXXX, and my mortgage loan with XXXX XXXX XXXX/XXXX XXXX XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with Meade & Associates, Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Debt older than XXXX years Proof of original collection data Please remove collection from all credit reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Medical) with Arbor Professional Solutions, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had medical treatment with a doctors ' clinic and had in effect health coverage with a Medicare XXXX XXXX, Medicare XXXX. I was told I owed a CO-Payment amount by my health insurer different than the doctors billing service. I paid the CO-Payment the doctor asked for directly to the doctor. Later, Medicare adjusted the approved payment to the doctor, so I may have overpaid the doctor directly. The doctor 's office turned this matter over to collection with " Arbor Professional Solutions, XXXX XXXX XXXX ; XXXX XXXX, Michigan XXXX, XXXX who are adversely reporting this matter paid or overpaid in full directly to the doctor prior to collection. It should not be reported at all with the XXXX Credit Reporting Bureaus and is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I receive this results from Equifax Today saying for me to contact XXXX, XXXX XXXX bank, XXXX bank. I would Like to stress to EQUIFAX THAT I 'm asking them for that Info per the FCRA THEY reporting agencies SHOULD HAVE THIS INFOMATION ON FILE WHEN THE CONSUMER ASK FOR IT I HAVE THE RIGHT TO ASK THEM TO PRESENT WHAT I 'M ASKING FOR AND THATS WHAT I 'm doing and that 's what I want because I will file law suit as of Noon on XXXX/XXXX/16 in which Equifax should have that noticed in there hand as we speak DO YOU UNDERSTAND ME CFPD THIS IS YOUR LAW AND I THINK YOU SHOULD FOR SURE SEND EQUIFAX A COPY OF THE XXXX XXXX XXXX SECTION OF THE LAW JUST IN CASE THEY DO NOT KNOW THE LAW I ALSO ATTACH ANOTHER COPY OF PORTION OF THE XXXX FCRA PLEASE READ IN EQUIFAX IF YOU DO N'T UNDERSTAND IT YOU BETTER ASK SOMEONE!

Company response to consumer: Closed with explanation