milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I applied for a credit card with Macy 's in XXXX XXXX. In XXXX XXXX, I received a bill from a collection agency stating I owed about XXXX dollars on the credit card. I immediately paid that off with the collection agency and called Macy 's about the situation. I was flabbergasted and I stated to the Macy 's representative that prior to this, I never received a bill statement from Macy 's. The Macy rep informed me that my account was closed and it was nothing they could do, they had already sent it to collections. The Macy 's representative also informed me there was a return service address on the mail they sent out. However when I applied for the card, I included my address on the first line and my apt number on the second line. I received my products but never received my bill statement. I do n't understand how the collection agency had my full address but Macy had no idea what my address was but they were able to send my products out. Someone in the billing department dropped the ball because the ordering department was able to deliver my product with no worries. I then asked Macy 's if they had a copy of my credit application because I know I wrote my apartment number on my application. The rep informed me they did n't have my application on file due to the application being completed in the store. As a consumer, I always elect for paper bill because that method suits me and it serves as a physical reminder that I have a bill to pay. The product was only XXXX bucks, I incurred over XXXX dollars in interest and late fees. In XXXX XXXX, I had a XXXX credit score. I always pay my bills on time. I provided a phone number on my credit card application and no reasonable steps were made to get ahold of me. I apply for credit cards all the time and I ca n't remember each and every single card thus as consumers we are entitled to a billing statement to remind you that you have a bill due. If I had received the billing statement, I would had paid the XXXX bucks. Now my credit score is a XXXX due to XXXX derogatory indicator on my credit report from Macy. I have XXXX credit cards along with all my other bills I have to pay on time, all which I get billing statements for. This needs to be taken off my credit due to their lack of communication with the consumer of notification of a bill even due.

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 02-03-2018 about Checking or savings account (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: XX/XX/2017 I notice I had a XXXX balance in my account, I called the state employees credit Union, they said they withdrew money because they received a faxed notice of garnishments from NC department revenue for delinquent taxes. I asked them to send me a copy of the notice of garnishment that was faxed to them, they said they couldnt because it was a legal document ; I thought it was obscured because it contained my personal information, I had a right to have it The state employees credit did not have the legal authority to withdraw money from my account without a court order 26 U.S.C. section 6332 3 ( C ) banks shall surrender subject to an attachment or execution under judicial process, according to NC General statues states A tax collector Must file the appropriate documents in General Court of Justice of the county in which the garnishee resides for a judgment before any garnishment can commence. GS 105-368 ( 5 ) ( D ) .the state Employee Credit Union owns its highest duty to its depositors with whom it has a contractual and fiduciary duty ; Im sure No evidence was presented, just a faxed notice garnishment stating that I owed The credit unions refusal to send me the faxed notice of garnishments they received from department of revenue, leads me to believe that fraud has transpired ; they concealing something unlawful, States Employees credit withdrawn {$1100.00} from my account XX/XX/2017 for an allege tax debt, Im requesting an refund, theirs no rule of law that they can provide, that supports there unethical business practice

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (DC).
Issue: Account opening, closing, or management

Complaint: I was attempting to move money from my PayPal account this morning to my PayPal pre-paid card. This action was unsuccessful though I had funds in my PayPal account. I signed into PayPal and saw a note that the funds in that account were being held and that their system identified another account with a debt. This is the first time I have been told of this and found out not my a formal letter, nor any other communication until I received an email later on this AM. I contacted them concerning this " other '' account and requested that information be provided to be in written form, and requested that my account be released. After being bounced around from limitations to the other office I finally was able to have a CS fill out a fraud claim. I informed them that 1 ) the XXXX informed me three years ago that my identity was stolen ; 2 ) I am a former XXXX on XXXX was was informed in XXXX that my information had been hacked. I also noted that I needed the funds to purchase my medications this afternoon. I was told that my case was being expedited and after a review they may release my money. If they were able to not do whatever they do, I would have no recourse legally. First off I was denied a formal letter with information to be able to review and dispute. Secondly, I was not given any notice or time about this. Thirdly, PayPal uses some algorithm which they do not share or do they provided to a consumer in written mailed out form. And lastly, the hold a consumer 's funds on the basis of this system and are not willing to provide the consumer anything about the situation. At this time I am waiting for PayPal to honor their promise to review, contact me, and lift the limitations on my account which not only apply to my funds, but by bank debit card, and another card which I am unable to anything with that information. In other words it they have taken hostage of my financial records and without due process of the law ; in some sense this action can be seen as harassing the consumer as it is a non-verbal threat in order to make the consumer pay a debt that they may or may not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Report reflects as XXXX XXXX XXXX as 30-60 days late numerous times. Never late.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: This account has been disputed for more than 2 months and has not been deleted. by law company has 30 days to answer a dispute and they have not. 

Item : I dispute XXXX XXXX XXXX - XXXX - this account is paid in full. Not Charge off. I have disputed and the company has taken more than 30 days to verify, please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX XXXX XXXX signed a consent agreement on XXXX XXXX, 2015, with the Consumer Financial Protection Bureau because of their illegal and deceptive debt collection practices. Under the consent agreement, XXXX XXXX XXXX is to provide consumer refunds and correct credit reports for those consumers. My situation falls under the consent agreement and the collection account needs to be deleted from my credit report immediately. XXXX XXXX XXXX used deceptive and illegal debt collection practices to try and collect on the account they placed on my credit report. In addition, XXXX XXXX XXXX has incorrect information on my credit report which is a flagrant violation of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other transaction problem

Complaint: I initiated a transaction of $ XXXX/- from my XXXX XXXX XXXX Account to XXXX bank account on XX/XX/XXXX and was promised money will be deposited on XX/XX/XXXX But I did not see money until now, when I called Western Union about this, several time ( 6-8 times ) I always got different answer and no one tried to help me with my money I do not know where is my money and how will I get it from western union They do not call or send email on its status

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Called bank of america XXXX XXXX to fix my HELOC variable rate. was told by customer service that the rate was to become fixed at the end of the draw period in XXXX automatically. i explained that my paperwork said nothing about the rate being fixed at the end ot the draw period.. Called again the first week in XXXX XXXX to confirm that the rate was fixed as my paperwork did n't call for a rate fix at the end of the draw period.I was told that it was fixed. Called bank of america in mid XXXX XXXX about another issue and inquired again about the rate. i informed the representative that i was told it was fixed and the representative said it wasnt ... ..and they could see the other inquiries to fix the rate in XXXX and XXXX. Funny how this misinformation was given me at the time the federal reserve was meeting to raise the rates ... I feel that i was intentionally misled by bank of america. even though my rate was ultimately fixed in XXXX XXXX it will cost me more per month than it would have if they would have been truthful with me initially. I 'm sure im not the only customer that experienced this. Would like to know how much money was stolen from consumers by this little scam ... ..

Company public response: Company chooses not to provide a public response
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. (AZ).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Equifax has been hacked and my information has been compromised. I do n't want to apply for their credit monitoring service because it will make me opt out of any class-action lawsuit or other means of holding them responsible for any damage in the future. I tried to use the free yearly credit report from the government XXXX XXXX XXXX and I was unable to access my report for Equifax, and instead have to mail in a request which is inconvenient. 

I also have to pay money to freeze my credit reports with all three major monitoring services, when this is entirely Equifax 's fault and therefore their responsibility. Having to freeze my credit and then thaw it whenever I need to use it is another inconvenience which is entirely Equifax 's fault. 

Equifax should be able to provide my free credit report online like the other monitoring services were able to do, and they should be monitoring my credit for any suspicious activity, free of charge and without having to sign an arbitration clause or class action waiver. 

They are responsible for any potential identity theft or fraud using my name or likeness and should be taking more responsibility to protect consumers who have had their personal information stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Student loan (Non-federal student loan) with SUNRISE CREDIT SERVICES, INC (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Have been harassed and bombarded with numerous daily calls from Sunrise Credit Services , Inc after explaining multiple times my status. I had a pipe freeze and burst and spent over {$700.00} in repairs and am now behind on my payment. I explained this to numerous reps who continue to call my phone and get the same response " ok we will make a note of that '' next day I get yet ANOTHER call. My current phone record shows as follows ( XXXX ) @ XXXX rec 'd call from Sunrise Credit Services Inc ... @ XXXX I called back and explained my situation and that I get paid biweekly and will pay next month when I am able to. 
( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ... @ XXXX I call and explain the SAME thing and get the SAME response " ok we will make a note of it in the system thank you '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc, I called back at XXXX and told them I have already spoken to them this week and that I will not have a different answer than what I have already given. I also told them this is considered harassment. " We will make note of it in the system '' ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call from Sunrise Credit Services Inc ( XXXX ) @ XXXX I get a call and voicemail from XXXX XXXX at Sunrise Credit Services Inc . I call back @ XXXX and speak with XXXX , I express it is very frustrating to receive DAILY calls over the same thing when I already made a statement. His response was " well you said you 'd pay next month and it 's next month '' MIND YOU ITS ONLY THE XXXX OF THE MONTH!. I told him the month has just started and I get paid biweekly and that these phone calls are harassment, he hung up the phone on me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OH).
Issue: Shopping for a loan or lease

Complaint: On XXXX 2015 I received a package in the mail from Ally Financial letting me know that I was identified as an eligible customer for a discrimination settlement. I returned the package as indicated.XXXX I never got my payment. I called back in XXXX, and they said the payment was mailed to my old address, they updated my information. However I never got the check, I called again in XXXX, and they said that they are reiissuing the check again, but never got it, I have emailed and called them and they never follow up, they forward me to voice mails and they never return my calls. I called today again, and they have not returned my calls yet nor have I received my compensation. Very rude, and poor customer service, very dismissal. I did n't ask for this situation I think they should be able to help me and find a solution to this situation.

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 01-04-2018 about Debt collection (Other debt) with National Credit Systems,Inc. (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter from National Credit Systems Inc stating that I owe {$2200.00} as un paid balance from XXXX XXXX XXXX. The letter states that since I have failed to make suitable payment arrangements that they are going to be filing the debt with all 3 credit agencies. I was never given my chance to dispute the validity of the debt. Which I firmly dispute. 

XXXX XXXX is currently in possession of 2 months rent in check form that was given to them prior to my eviction. They evicted me because they state the are unable to accept checks. These checks have never been returned to me and are still out standing. 

I dispute the amount, the times, that fact that I was not given a chance to respond and that this debt is reportable.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit card () with ENCORE CAPITAL GROUP INC. (MD).
Issue: Billing disputes

Complaint: I was contacted by Midland Funding LLC for a debt of {$700.00}. After paying my debt of {$700.00}, they filled a lawsuit against me. Every time I call their office, I speak with a person not of American decent that can not connect me to management. The only way that I found out that I have a court date on Monday, XXXX XXXX ( NEXT MONDAY ), is because my parents called me to tell me I have a notice to appear in court. I have n't lived there for years and the company has my address on file because they keep making me repeat it for identification purposes on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XXXX 2015 I paid several outstanding medical bills. These were removed from my credit report only to be re-added again. I contacted both Trans Union ( I have heard nothing ) and the collection service. They promised to have these items removed 3 weeks ago. That was supposed to happen within 7 days. Its has not. 

My credit rating rose to XXXX XXXX XXXX and and 2 days later dropped to XXXX. This was direct result of the paid items being re-added. I was about to refinance my home and am now unable to secure a better rate. 

Thank-you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: APR or interest rate

Complaint: CITI Credit card was closed on XXXX XXXX, 2016 and they are billing me for interest charges of a card that has been 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 monetary relief
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MarkOne Holdings, LLC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received my 3 credit report and there are some inquires that are listed on it that NOT mine.. I contacted XXXX several of times. With contacting them they told me that I needed to contact every creditor on my report and obtain a letter of the deletion. Everyone that I contact advised me to dispute with XXXX repeatedly. Okay I contact ALL of the inquires that did n't belong to me. Have contacted XXXX so many times to address the situation and it has n't been address.. I was advised by a XXXX US supervisor to go to my local police department and file a report. Which I 've taken the proper steps to get this removed. I just need this inquires removed this hurting my credit BADLY. It very emotion draining for myself, what I 'm trying to do with my life. I listed the following things : XXXX XXXX XXXX XXXX XXXX- ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX - ( XXXX ) -XX/XX/XXXX XXXX XXXX - ( XXXX XXXX )XX/XX/XXXX XXXX XXXX- ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- ( XXXX ) - XX/XX/XXXX XXXX- ( XXXX ) XX/XX/XXXX I also contact MarkOne as a financial company that I was using for a car I got. I volunteer return the car due mechanical trouble from day 1.. I stated that to the company and they said they are n't responsible for all of that. It was too much paying for the car and getting the car repair. I talked to the dealer was n't any help after WEEK 1. this is showing negative on my and mother credit and I need this off. because they no have the account anymore. But I did everything we are suppose to do make it and resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Account opening, closing, or management

Complaint: I have been a good customer of Chase Bank for several years. 
Last XXXX, I responded to a coupon offer from Chase for a {$300.00} bonus if I opened a new Chase Premier Plus checking account. Per the offer, to qualify for the bonus I had to open the account with at least {$25.00} ( I deposited {$1500.00} ) and then have electronic deposits made of my paycheck. I followed the requirements and asked my employer to transfer my earnings electronically as required for the bonus. My employer, XXXX XXXX XXXX, is a small business, but they agreed to go through the extra paperwork to set up the transfer and make the transfers of my earning. For the past several months my earnings have been electronically deposited to my checking account from my employer 's account at the XXXX. 
Although I have fulfilled all of the requirements, Chase has not deposited the {$300.00} bonus promised after almost five months, nor can they tell me if and when the bonus that I have earned will be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account # XXXX I started disputing in XXXX with Experian and XXXX concerning a reported late payment with XXXX XXXX from XXXX XXXX. The results of their investigation came back Verified and Updated. 

XXXX, I sent a letter to XXXX XXXX about the late payment and received a quick response from them stating that they have no record of the late payment since they do not maintain records going back that far. I am in shock that these companies claimed to have verified this account since this a clear untruth. I will include the letter sent as proof of my claims. 

This violation is, I believe, covered under FCRA Section 623 by refusing to correct inaccurate information. All I ask concerning this account is for these two companies to correct this account and report it as Paid As Agreed / Never Late.

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