milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX a bill for {$600.00} from XXXX was sent to AFNI INC due to unpaid phone bills. The bills were in my name but but being used by a different person. This person fled continuing to use the phone and service. I have paid the collection service in hopes to have this resolved and the collection had been disputed. I received a credit reporting this month stating that this collection will remain on my record till XX/XX/XXXX and i am desperate to have this removed from my credit. I am not at fault and looking to resolve this as soon as i can. I was unaware that i was still being held accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (OH).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On  XXXX   XXXX , I opened  a Wells Fargo check ing account through a link on their website, which said I would receive {$250.00} for opening a new account with them and meeting the  10 debit c ard requirements. After 45 days, I should have received those requirements. I opened the account, fulfilled the requirements on  XXXX   XXXX ,  2017 , but never received the bonus after the 45 days. They said they were going to look into it and send me mail. I never got the mail and sent them a secured messaged and they said I did n't meet the requirements. That was n't true because I had more than  10 de bit transactions, then they said " It was because I was n't targeted, which it did n't say anything about being targeted on the advertisement and I have an email telling me how to get 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 07-07-2017 about Debt collection (Credit card debt) with Shermeta Law Group, PLLC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX I contacted Shermeta Law Group, LLC regarding two credit cards with XXXX. I set up a payment arrangement to pay {$100.00} to each of my two accounts every two weeks. I told them I could make my first {$200.00} payment ( {$100.00} on each account ) on XX/XX/XXXX and I was asked for my bank account info and then told I would need to call on the 30th to make the payment. I called on XX/XX/XXXX to make the payment and then when I checked my bank account on Monday, XX/XX/XXXX, I saw that two payments of {$200.00} had been deducted. I contacted my bank but was told they could n't do anything until the payments actually posted. I contacted Shermeta on XX/XX/XXXX and was told I would be given a refund. I was told the reason 2 payments were made was because one was set up as an automatic payment and I called and made the second payment by phone. Apparently their payment system does n't list pending payments and the only way the representative would know it was there is if she reads the notes on the account. If I did n't know that other payment was set up, I would not know to tell her to read the notes! I still have n't received the refund, have received overdraft fees of {$36.00} because of it and have had money needed for other bills held hostage because I work in a XXXX XXXX and ca n't spend every day trying to call them. I called them again today, XX/XX/XXXX, but they close at XXXX XXXX and I could n't call until my lunch break. I am still without the money and even though I have disputed it with my bank, that can take 45-90 days to resolve. I just want the refund I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm victim of identity teiff and I reach out to this company but they still want me to pay for it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Card was lost in XXXX, I called and reported card lost. It was used ... .I called to follow up on fraud status and phone rep wanted information to " verify '' me. However, this information was account numbers from OTHER banks. 

I felt as if this was weird, why would they need my account numbers from ANOTHER bank. I felt as it was a phishing attempt. 

They said they could n't assist me without this. The call center was obviously offshore and I did n't feel secure divulging this info. 

They have my phone number ( could text codes to ), I have a phone password, or we could have used the secure messaging center through their online site. 

I hope they are handling this typre of problem without causing concern for other types of problems ... .. very unsafe.

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 08-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I signed up for a CitiGold checking account and was supposed to be awarded XXXX Thank You points under a promotion at the time after meeting certain requirements. I met all of the requirements and confirmed with Citi that I had done so. I waited the required amount of time to receive the points and was given nothing. I made multiple attempts to notify Citi and was repeatedly given boilerplate responses that did not address my issue. Finally, after escalation, I was told they did not give me my points because they did not have a XXXX on file from me, something which was never mentioned or sent to me upon signing up. I received the XXXX form they sent to me, filled it out, and sent it back. Nothing happened. I then called to see why there was an issue, and I was informed that they closed my CitiGold checking account. I was told the only way they could escalate my issue of missing points was to reopen the account, which would take several business days. That was over two weeks ago. I then called in today and was told no changes were made to the account, and that if I wanted to receive the promotion I would need to reapply for the entire checking account again. I asked for this issue to be resolved without me having to file a CFPB, but the customer representative said she would not be able to do that.

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 01/14/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I was trying to send money from my XXXX USD wallet to my bank account but TD bank did n't allow me to access my account and when I called the first time the customer service representative did n't really know what was the issue and recommend opening an account with another bank. The second time I called another representative told me that they did n't know what was going on and that I should consult with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This is actually a case of BOTH not receiving my bill AND them not applying my payments properly ( TWO TIMES ). It reeks of predatory behavior and the agents I speak to seem to have no idea what is going on short of trying to exasperate me and get me to stop fighting, which I will not do.

On the XX/XX/XXXX, I contacted Citibank regarding my Diamond Preferred Card. I had received a bill stating that I had a past due balance. I spoke to a representative and stated that I wanted to pay my bill in full. I also told him that I wanted to make sure that it hadn't been reported to the credit agencies as failure to pay. He told me he couldn't remove it, so he transferred me to the supervisor. The supervisor was also not helpful.

Two days later, on the XXXX, I received a call from a collection agency at Citibank. They told me I still owed 3600  or so on my card. I explained that I had spoken to someone two days prior and paid in full, she explained that it had not been paid in full and that this might be because I was transfered to a supervisor. I told her not to worry and paid my bill.

Today, XX/XX/XXXX, I received a statement stating I am one month past due and have a {$4000.00} balance. This is including two new, fraudulent charges for almost 600 dollars. I called in and asked why my payment was not processed, and they stated they never received a request for payment.

After 10 minutes of arguing, they stated they have no notes of any phone calls, either. Only a payment for 220 dollars or something. I asked why they would charge me XXXX dollars if I never called in.

After more talking, they explained that I probably did call in and request to make a payment of 220 or so. I explained that I have paid in full every month I have had a bill. I have never paid " minimum '' or " less than balance '' payments.

Finally, the supervisor admits she can see I spoke to the collections department and can see that I had also requested ( on the XXXX ) to pay my bill, but that the system is not letting her waive the interest or late fees.

This is kafkaesque and reeks, again, of fraudulent behavior on the part of the credit card company. The fact that they can let their representatives NOT take proper notes, then put the onus on me ( the person who ISNT in charge of recording and documenting calls ) to prove that I wanted to pay in full is insane.

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 01-06-2017 about Debt collection (I do not know) with CORELOGIC INC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit history request- never authorized, company not recognized

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 10-08-2015 about Debt collection (Medical) with Receivables Management Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I currently am a patient of the establishment in question. I have not received any validation of debt pertaining to a medical bill nor any record of the account. I paid the account in full based on the fact they stated it would be removed due to inconsistency in contacting me to resolve the outstanding debt in a timely manner. I was not made aware of the debt in order to make payment properly to prevent credit reporting. Per the law the debt collection company is required to within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debtThe name of the original creditor to whom the debt is owedA statement describing your right to dispute the debtthis was not done therefore hindering me from resolving the matter. They did not call or send letters to me to review.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I understand that the law is civil judgments and liens can stay on credit for seven years. Seven years is entirely too long for consumers to be able to regain credit acceptance. Although the  law will change XXXX XXXX this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely asinine.

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, XXXX , XXXX, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home.
In XX/XX/XXXX I  took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week.
On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XXXX and XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XXXX arrangements with XXXX, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract.
Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing  reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: About 2 years ago, I received multiple phone calls and mails claiming that I owe over {$14000.00} to CitiBank. First of all I never opened an CitiBank account. I even went to my local CitiBank and asked them about it and they said that there is n't any account under my name. Then recently I got another letter, so I went to my local police station and they said I needed more information to file a report. I wrote to the debt collector asking for the bank statement and they sent me an account summary which states that I have been a member since 2012 and used a Citi ThankYou Preferred Card. What is my next step?

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 11/27/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX {$300.00} was withdrawn from a joint checking account with my wife for payment to SSA Treasury. On XX/XX/XXXX, {$170.00} was withdrawn from the same checking account for payment to Treasury. The reason I was told is that my father needed to repay a SS check that was issued to him in error after his XXXX. I was told the bank had the authority to go into a joint account with my wife since I had a joint account with my father. I was also told that they could so without any notification on the banks part. 
I have asked on 2 occasions that they provide to me in writing the rule/regulation that allows them the authority to do the above and what authority allows them to do so without notification. 
The bank has not provided that letter after 2 requests. 
The bank is Santander Bank. 
The joint account is XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed an account name XXXX XXXX with the CRA Equifax. After reviewing my account with a credit monitoring service it showed XXXX XXXX as being removed and then reinserted. I never received any written letter/notice of such reinsertion nor notice that I have the right to place a statement in my credit file disputing the accuracy and completeness of the information. Bottom line is that if the information was deleted as a result of a prior dispute and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide me notice of their reinsertion, then the reinsertion is a violation of section 611 ( a ) ( 5 ) ( B ). Legal restrictions against reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ). Credit reporting agencies can not legally report back an account that was removed from my credit file after a dispute. They will be in violation to the fair credit report act and to the federal trade commission guideline and many other federal and maybe state laws. I was never notified that they had removed it and was putting it back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Inaccurate details being reported about loan on my credit report. My student loans were discharged because I am XXXX XXXX because of XXXX and I live in a XXXX XXXX. I hope to one day be XXXX, but until then I feel as though I am be criminalize over something that I have no control over. Sickness disease  and death is something we have no control over. I am very thankful for the rule of law that gives people like myself a Fighting Chance and Hope. Character and the peace of mind is what I 'm fighting for now, XXXX University is reporting that I have had late payments which is not true because I have never made any payments I 've been in the XXXX XXXX. Due to the government bailout I have been advised that all of my student loan accounts will show in good standing, no derogatory remarks or any such things that would be another battle to fight in addition to XXXX XXXX. I am fighting for my life and a credible name.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: wel ive got alot of issues, we, ll start XXXX XXXX all XXXX XXXX. the recenmt over the limit that was reported is a complete lie, they added onterest which put me a few $ over. trhey did this b4 once when my balsanve was so high ( m thats done. just paid threm down in XXXX. but whenmi got a notification, i called custumer service and said a certain credit didnt go thru and their $ 50+ interest put me over. the csr said ( { and assured me that no0thing would be reported til XX/XX/XXXX. i get my dis on XX/XX/XXXX theyre due XX/XX/XXXX. so thryre alwayts earl ; y anmd wazy bedore the XX/XX/XXXX. 
now to the XXXX COAP??? i nquiries all in a month. i just found out thats XXXX XXXX XXXX. ive been getting preapprovalo letters up to {$35000.00} for apxc 2 years. in fact i bought new XXXX with itafter about XXXX monhs im wantyed to refi lower inteest. they approved me ( i have all documentaTIONstill ) then about a week later they call and said my employer filled the form wrong ( XXXX income, XXXX is XXXX main revenue source. my boss was on vaca tiohn fort 3 weelks. letters were coming in saying IF it were approved @ higher inrest rate. off and on back and forth i said forget thrm.. what im figuring now is the kept running my inquiries. THEY BETTER COME OFF ASAP!!!!!!!!!!!!!! I DONT THINK YOURE GOING TO WANT ME XXXX W/ THEM DIRECTLY. 
HELP ON THISW

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following credit inquiry on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/18. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. The following phone number is not mine no more : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A federal tax lien of {$5000.00} filed on XX/XX/XXXX with ID # of XXXX by XXXX XXXX County Register in the State of California. 
A federal tax lien of {$5000.00} filed on XX/XX/XXXX with ID # of XXXX by XXXX XXXX County Register in the State of California. 
Both were discharged thru Chapter XXXX Bankruptcy. Both lien holder failed to file a proof of claim during the Bankruptcy Court hearing. 
Therefore these liens were both discharged.

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