milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: This is a request for SunTrust Bank to reimburse me a total of {$100.00} for XXXX items ( {$64.00} and {$36.00} ), both for the same account. 

Item # XXXX : {$64.00} -- the merchandise I ordered on XXXX was not delivered ; this transaction was posted on XXXX/XXXX/2015. The merchandise was to have been delivered in 5 days. After 10 days, I attempted to contact the merchant via phone and email, but to no avail. I contacted SunTrust at this 10 days mark ( the end of XXXX ) after the merchandise was due. I have constantly been given the run around, each time with the promise that my request would be " escalated ''. Then, on XXXX XXXX, 2015 I was sent a merchant dispute form via email. I completed it, and sent it to the address listed on Saturday, XXXX XXXX via USPS Priority Mail ( so I have the tracking number ). Since then, I have called several times to follow up, and each time was told that it was under review. Once again, I called a couple of weeks ago and indicated that it had been over 3 months!! Once again, I was told that my refund request would be " escalated. '' Then on Friday XXXX/XXXX/2015, I received a letter from SunTrust ( dated XXXX/XXXX/2015 ) indicating that I had n't notified them in writing within 60 days, and they were not going to assist me. SunTrust sent this response despite the fact that I sent the form on XXXX XXXX via USPS Priority Mail to SunTrust, XXXX XXXX XXXX, XXXX, FL XXXX ; SunTrust reps acknowledged that they received the form ; and I have continually followed up over the phone! This is absolutely unacceptable! 

Item # XXXX : {$36.00} for stop payment. I was advised that I would have to call on the same day ( i.e., Thursday XXXX ) to cancel the stop payment and not incur the {$36.00} fee. I called at XXXX EST. I was told that I should have been advised that I had to cancel XXXX hour before they close -- i.e., at XXXX!! So I was XXXX minutes too late. The rep apologized for the misinformation then hung up when I asked to speak to the Manager! Unacceptable!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've completed a dispute on XXXX 's website and their website tells me the system accepted my message. However, I never get an email or postal mail in regard to the dispute filed. Thier technology is like dealing with a VCR that ate my tape. It 's old outdated and I hope legislation steps in to change this company and the industry. These companies are not set up for the consumer. They are set up to help keep the banks and finance companies in business.

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 11/17/2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing statement

Complaint: On XXXX XXXX I paid my Macy American Express bill at the Macy store in XXXX New Jersey for {$650.00} with a check. On XXXX XXXX th Macy/Amex went into my bank account and took another XXXX out of my bank account for XXXX which I received. I discovered this on XXXX XXXX. I called the company and they had no record of the XXXX XXXX transaction. I was advised to send all the information from my bank showing their mistake which I did. Since that time after about XXXX or more calls too Macy/Amex customer service this issue is still not resolved. On XXXX XXXX I spoke with a manager who stated he would be able to credit my bank account for XXXX but my account would go into dispute for the XXXX which I paid but would resolve itself and be credited back to my account within 3 to 5 days. It is now 12 days and I my account is still in dispute for the original {$650.00} which I paid to my account. No one at Macy/Amex can get this problem resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was in XXXX XXXX and was approached by a sales rep that said he worked for XXXX XXXX by the name of XXXX XXXX. He told me about a few specials they were having with their service so after a couple of hours of being in the store I finally decided to get the service it was a bundle package with the internet. I was told that XXXX XXXX XXXX merged with them. I was not told that XXXX XXXX XXXX was going to pull my credit as well as them. I was told in the beginning that only XXXX XXXX would run it but afterwards i get a notification that XXXX XXXX XXXX ran my credit not just one time but they ran it 3 times. each time i called to find out what was going on they ran my credit and instead of removing it from my Credit report they informed me to just dispute the inquiries because I did n't authorization nobody at their company to run My credit 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have hospital visit bills on my credit report which are negatively affecting my quality of life. I have been a XXXX recipient since XX/XX/XXXX and am currently XXXX due to medical reasons. I checked my credit today and found that XXXX XXXX XXXX XXXX has negatively impacted my credit report. I am under federal income guidelines as not being able to pay for medical care, hence I qualify for XXXX When doctors and hospitals only get a portion of what is billed through the process of capitation, they then turn around and harass people who are already socioeconomically impacted. This is not fair AT ALL because it is hindering me to find housing, obtain utilities, and is causing undue stress  which lowered my quality of life. I do not understand how being poor and underprivilaged means I can not obtain housing during homelessness, services and utility assistance, and any potential job I may apply for. This is also negatively impacting me to find affordable car insurance, obtain a cell phone, or even WANT to visit an ER/Hospital when needed due to the possibility of the medical insurance not covering the billed amount and the debt being sold to an agency for pennies on the dollar and then the agency harassing me and ruining any chance at an education, suitable housing, and even vital utilities such as water, and electric.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Colony Brands, Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My  XXXX  Credit Report shows a hard inquiry from a company calle d Seventh Avenue. I h ave never heard of this company let alone done any business with them. I contacted them in  XXXX  or  XXXX  of   XXXX   to try and ask them to remove this inquiry. They found no records of me in their syste m ( includin g no recent applications ). they informed me I would need to dispute this directly with  XXXX . since I work for a large bank I realized this was not a proper step that I should be taking but since they insisted there was nothing they could do to fix it, I in fact disputed it with  XXXX . They received the response  from Seventh Avenue ind icating it was a valid inquiry and they could not remove it. I again contacted them today and initially received the same " there is nothing we can do '' response. I requested to talk to a supervisor who again confirmed no records of me in connection with this company. She went on to indicated I must send a copy of the credit report showing this being reported. I recently contacted  XXXX  about a similar issue and they required no documents on my part. In addition I know someone who worked with  XXXX  about the same type of problem and was not required to send any documentation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company Midwest Recovery Systems. I told them that the debt was paid in full. Midwest Recovery System asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday the XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I have since filed a claim with both XXXX XXXX XXXX and Midwest Recovery Systems. Stating that they would look further into the situation. According to my credit report they have not removed the defaulted information or have they put the claim is as a dispute it now appears on my credit report as a collection and 30 days past due. This needs to be taken care of immediately. I have reached out to both companies and neither company has returned my numerous phone alls. At this point it is fraudulent activity on my credit report. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. XXXX XXXX also sent this account to this collection agency. XXXX XXXX XXXX has been moving this account around from one collection Agency to another, even after they have acknowledge the account has been paid in full. This is fraud. It is currently causing me a hard ship in receiving a mortgage. The file submitted below has already been sent in to the CFPB however it has never been addressed directly by XXXX XXXX XXXX in Conjuction with Midwest Recovery, only the former debt collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I had someone forge a check for {$2000.00} and my bank cashed it even though the signature was not a match and she used my bank card. A police report was filed and she was charged although my bank gave me back for the card transactions but will not for the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (CT).
Issue: Managing the loan or lease

Complaint: Complaint against TD Auto Finance Contract Date:XX/XX/XXXX, Term : 60 payments, Statement # 59 on XXXX XXXX the balance was {$160.00}. On XXXX/XXXX/XXXX they charged {$160.00} ( payment 60 and last ). On XXXX/XXXX/XXXX the charged again {$160.00} ( over payment ), on XXXX/XXXX/XXXX they charged again {$160.00} ( over payment ). As XXXX/XXXX/XXXX they sent the Release of Lien with the Title of the car. As XXXX/XXXX/XXXX my online account is closed as stated for TD Auto Finance. After reviewed all my payments since XXXX XXXX they over charged me a total of {$1000.00} ( included the {$330.00} after the end of the contract ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with Crow Creek Sioux Tribe (NE).
Issue: Struggling to pay your loan

Complaint: Received an online payday loan and have been placed on medical leave with XXXX XXXX Now only receiving XXXX of my income on XXXX I am in Nebraska I am afraid to contact the online company and they keep charging XXXX a month fees So I borrowed XXXX now it is up to owing over XXXX I want to contact a debt relief company to help me deal with this Wanting to know can this company charge these fees and interest in Nebraska for an online Payday loan Thanks

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 05-07-2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Customer service / Customer relations

Complaint: At the end of XX/XX/XXXX I contacted Citicard about an offer to spend {$1000.00} in XXXX months and receive a {$150.00} XXXX gift card. I needed to purchase a laptop. I remember speaking with a gentleman at that time who confirmed the above information which I had found online. He sent me a card in the mail - last XXXX numbers XXXX. I made my XXXX purchase on XX/XX/XXXX A few weeks later I contacted the company about a new card because I could n't find mine. They cancelled the above card and sent me a new XXXX - last XXXX numbers XXXX. Today, XX/XX/XXXX, I contacted the company about receiving my {$150.00} XXXX gift card. I have made around {$1200.00} in purchases to date. The woman I spoke with told me that I had not made my purchases within the allotted amount of time. Of course I disagreed with her stating that I should have till at least the middle of XXXX. She then told me that I had opened this card at the end of XX/XX/XXXX After speaking with a number of reps. including XXXX managers, I 'm being told that I opened a card at the end of XXXX ( XXXX I do n't remember opening ) and that the guy I spoke with at the end of XXXX cancelled out that old card and pre-dated the XXXX card to that date which only left me a few weeks to charge the {$1000.00} in order to get the {$150.00} XXXX gift card. He never mentioned any of this to me in fact he lied to me when he told me I had XXXX months. Even if I had opened a card, which I really question the legitimacy of that claim, he should have said something. My recent conversations with customer service confirmed to me that this old card had never been activated and no charges had been put on it. Regardless of how I 've tried to explain the issue I received no help. They continue to refuse to honor the offer and reward me with the {$150.00} gift card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (I do not know) with Harris & Harris, Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Have no idea why these people are calling me -- they are apparently trying to collect a date incurred in the State of Kansas. I have never lived nor worked in that state, nor have I ever even been there. They are obviously seeking the wrong person who unfortunately has an name like mine. The phone calls are robocalls, not a real person. They call constantly, during the week, in the evening and on weekends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Credit line increase/decrease

Complaint: I had a {$2000.00} credit line with Sears. I always pay my card timely ; in fact I always pay my account early. I did so in XXXX pay XXXX payment early. I had requested long before that my due date be changed to the XXXX I believe so there would be no chance of my payment being made late. It was agreed to do this, however, they never did and my payment for XXXX or XXXX was a day or so late. I immediately contact them by phone to resolve the matter. Later, they took away my {$2000.00} credit line for their own mistake. I called in about that and spoke to repetitive women who told me to write in to their very department so they could deny me again. I sent a fax to the director of that dept. but never received any response back. I just tried to place an order and only 2 of the items were shipped and I received a notice that for my convenience the other items are in my cart? What Sears has done is ding me for their own mistake and though the women I spke to agreed that this was Sears ' mistake, they would not undo the retaliatory, unlaqwful treatment that I received because of their error. I just need my credit line reinstated and for whomever restricted my account unlawfully in the first place to keep away from my account at all times. This was their mistake, not mine, so I should not be punished for it! Thank you.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Since the massive Equifax data breach, information is showing on my XXXX XXXX, Equifax and XXXX credit report that don't belong to me. The following account, collection account and hard inquiries are fraudulent and unauthorized: XXXX, $XXXX, XX/XX/XXXX, Equifax XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, $XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (I do not know) with Machol & Johannes, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over the last several years My phone number has been called by various collections-telemarketers as debt has been sold and resold down the line. I have repeatedly asked for my Tel. Number to be removed from the call list concerning this individual whom I do not know. ( XXXX XXXX ). The latest company to call me, after being told they have the wrong number, is continueing to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Was denied credit for having no credit file which is false and should not count as a hard inquiry due to creditor 's error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Problems when you are unable to pay

Complaint: They are trying to charge me for a lease return for body damage that was repaired by a certified body shop at the XXXX dealership. I have paper work that shows what work was done and what they are trying to charge me the car was turned in on XXXX/XXXX/2016 and was not inspected until XXXX/XXXX/2016 by ally bank and I 'm not in good health and this is stressing me out.

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 12-07-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: identity theft/fraud. billed for purchases I did not make by Macys Dept Store. Macys XXXX XXXX. impossible to deal with. 
The original purchase was reported as occurring on XX/XX/XXXX. 
After months of struggle and the help of XXXX and a XXXX/Fraud Claims Lead ( XXXXXXXXXXXX XXXX on XX/XX/XXXX, sent me the email as follows " Dear XXXX, I have sent your claim in for the write off to our bank yesterday. In the meantime, I have sent a clearing letter out to you, resent your credit rating and requested a cease and desist on collection calls. Again, I apologize for any inconvenience this has caused. If you have further questions, I have provided my information below. 
Thank you and have a great week-end. '' I received a letter dated XX/XX/XXXX from Macys that my account has been returned to the XXXX 
I have since tried several times, unsuccessfully to contact XXXX. The people I have spoke with just gave me the run around. I did not make the purchases that they are billing me for. This is harassment and is causing much distress.

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