milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (ME).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am not sure I checked off the best description of my issue as none really seem to fit. I have several accounts through Synchrony Bank that were in collections. I have faithfully paid the collection agencies each month on time. I recieved a letter today from the collection agency I have for XXXX accounts. They said they are no longer servicing the account and that a different collection agency was. I called that collection agency and they told me that Synchrony had withdrawn all XXXX accounts and that I would need to call them. I called Synchrony and was bounced around from once department to the other and finally was told that they had no information on my accounts and I would need to call back later. Really? I am trying to at least own up to the arrangements I made and now they ca n't tell me anything. I do n't want any threatening calls or letters. I have had more issues with Synchrony than any other agency I have ever worked with. I have no idea who to pay now. The letter I recieved told me not to pay them any more. Well they are automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have disputed this account many times with all  XXXX  credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. Experian shows {$6500.00} and closed and   XXXX   shows {$6600.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. The account is with   XXXX   XXXX   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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted Equifax, XXXX and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: Bank of America solicited me via their website for opening of a checking account. The solicitation included an offer of {$300.00} for the opening of a new checking when there are XXXX direct deposits of {$2000.00} apiece. Their terms included a mention that deposits should come from an employer or an outside agency. I had XXXX deposits of greater than {$2000.00} within the XXXX month of opening the account, and yet, no reward deposit. I waited for processing times, and then began to look into the issue, at which point I was informed by customer service, including a supervisor, that my deposits were not 'qualifying ' and that I would therefore not be receiving the new account promotion. I informed them that I had a copy of the original terms, and they were unwilling to resolve the issue by crediting my account with this promotion. I was told that the promotion was entered on XXXX ( which is a week after the account was opened ). XXXX of the qualifying deposits was received on XXXX, and I think the holdup on the processing is due to the delay on Bank of America 's part in properly coding my account. I received conflicting information from a supervisor, who attempted to then tell me that the promotion was processing, but failed to provide me with concrete resoution to the conflicting information and did not provide a timeline for when I could expect to see the credit. I feel this is textbook 'bait n switch ' advertising, and that their institution hoped I would go away or did not have my ducks in a row. I have attached a copy of the original promotion as well as activity statement showing the deposits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Transunion customer service would not help and take care of the negative inquireies reporting on my credit.
XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX Page 9 of 13 Inquiries XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX  XXXX/XXXX/17 XXXX XXXX XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX XXXX/XXXX/17 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 07/14/2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received a call about owing {$10000.00} for a debt from  XXXX . They said it was some  XXXX  account with no details and reactivated in  XXXX  and a letter was mailed in  XXXX . The caller said that if I do n't pay him in  10  minutes then he would take me to court and sue me. I attempted to question where the debt came from and for what but he just insisted that he will just levy my accounts. He threatened me by saying I have you SSN, I know what bank accounts you have and I can see everything.   I researched online the company and it appears to be a scam company who constantly changes its name.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I use XXXX XXXXvand have a Wells Fargo account and Wells Fargo is n't sending updated transactions to XXXX XXXX and it 's keeping me from accessing the money.

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 10/18/2015 about Debt collection (I do not know) with Nevada Credico, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After being denied credit due to collection accounts on my report, I ordered a copy and found an account from an agency I have never heard of called Quantum Collections. The amount is for {$730.00}. I have tried to contact this agency and I have received no response. Not only are they reporting a debt I do not owe and damaging my credit, they have not contacted me even once regarding this debt so that I could dispute its validity and get it removed from my credit history. I do not owe this agency any money and they have no right to be reporting this to the credit bureaus. I am shocked that a business would report negatively on someone without contacting them, especially given this is not my debt!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was pressured and rushed into getting a private loan through XXXX XXXX rather than being given several options or time to seek out other loans. I am now stuck with a High interest loan with a high payment that I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax to get these hard inquiries removed off of my account as well as some addresses that is not mines that keep popping up on there. They said they removed it but it has not been removed. I am a victim of identity theft and the companies is suppose to call me before they run my credit and it causes me to get a hard inquire. 

The inquiries that I did not authorize or make is XXXX XXXX on XX/XX/2016 and also an address of XXXX XXXX XXXX, Georgia XXXX that needs to be removed off of my credit report as well as XXXX collections that is not mines. 

XXXX for XXXX XXXX XXXX for {$440.00} and also XXXX XXXX for {$780.00} that is not mines. Please remove all of this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Consumer Loan (Installment loan) with Resurgent Capital Services L.P. (NE).
Issue: Problems when you are unable to pay

Complaint: I have an old debt that filed to attach bank account at XXXX banks in the last 2 months. Now they send a letter head calling themselves some other name. 
I have filed bankruptcy chapter XXXX. Following an accident in which I am XXXX for 20 years. 
It 's embarrassing when they keep sending attachment to different banks and also sent proof of bankrupty. 
How do I make them stop?? 
I call and they are rude and disrespectful. 
I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I filed a Statement of Fraud with Macys Department Store by fax  XX/XX/XXXX  after I discovered a theft on my account ending in  XXXX . I reported the card lost or stolen and a replacement card was issued. However, the minute I reported the theft in XX/XX/XXXX  Macys took all of the statements off the website for the account ending in  XXXX . I waited three months to receive them by mail meanwhile Macys wrote to me and threatened collections. The Macys Card stopped reporting with all  XXXX  credit bureaus, The Statement of Fraud included the following charges  XX/XX/XXXX   XXXX   XXXX  merchandise not mine XX/XX/XXXX  Macys.com  XXXX  returned XX/XX/XXXX Macys.com   XXXX   returned  XX/XX/XXXX  Balance Transfer from Acct ending in   XXXX     XXXX  *Note : Erroneous and Fraudulent Charges for the  XX/XX/XXXX Statement Duplicated in  XX/XX/XXXX . I can no longer obtain the statements on the website for the corrupted account ending in  XXXX .
A police report was filed. I have made numerous phone calls, written emails and faxed letters. Macys Fraud Division has ignored my request for credit of all the above referenced charges and they have transferred a corrupted balance from the card reported stolen to my new account.
Further I used my   XXXX   XXXX   XXXX   card on  XX/XX/XXXX to participate in a Macys.com 50-70 % MORE Sale. The order I authorized for  XXXX  on  XX/XX/XXXX  changed without my knowledge and consent to  XXXX . In addition to this failure of Macys to honor their sale each of the items in the order was separated and charged to the   XXXX   XXXX   XXXX   card twice, once before each item shipped and then again a ( 2nd ) second time during delivery. Fraudulent Charges on the   XXXX   XXXX   XXXX   card  XXXX  in XX/XX/XXXX . I can see why my Macys Store account is having problems.
I can not even begin to express to you how overly burdensome the problem with Macys has become in my household.
I have waited well over the statutory requirement for resolution of this theft and am seeking assistance now from your agency. Thank you.in advance for your courtesy and cooperation.

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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Call XXXX XXXX to inquire bout the notification requiring the inquires.The company direct me to call the credit bureau.Credit bureau states it was factual information.Its not.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( XXXX XXXX XXXX and XXXX ) that no record of this account exists under my SSN. Tried to tell Equifax that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both equifax and XXXX, was placed on hold. No one ever returned to line.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I just looked at my credit report and was shocked to see the numerous amounts of errors XXXX  have listed. I am filing a complaint to have remove them immediately. XXXX Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX  and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.

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 04/18/2015 about Debt collection (Payday loan) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This is either from a payday loan or a credit card debt that I failed to pay. On Thursday, XXXX XXXX, 2015 before XXXX XXXX Pacific time, the landline of the residence where I rent a room ( as I have a personal mobile phone and I was already off to work ), called on the landline and left a message looking for me and saying that a case was going to be filed against me in the XXXX XXXX XXXX Court since the city I reside at, XXXX, CA, is in XXXX XXXX. The caller also said for me to return their call at XXXX extension XXXX with a case number XXXX. In any case, I really feel that the caller should have said they were debt collectors which they did not and I really felt scared and intimidated by what they said they were going to do. I would really prefer the collection agency or the original creditor, whoever I owe to, to mail me a letter saying how much I owe. Right now, I have several debts, mostly to payday loans, XXXX made in person at payday loan places and the rest on line. As well as to credit card companies. Most of them have sent me letters, or the collection agencies acting on their behalf have, and since I can only pay so much, I do pay what I can on paydays and am not trying to dispute the amounts nor run away from my obligations. I for XXXX am trying to avoid bankruptcy and I really wish all those I owe money to will allow me to do partial payments till fully paid. As for this caller who left me that number to call, I really would like their attention called and I will pay what is due but only after their attention is called. I really would like them to just send me a letter and I also wish that when they send me anything in writing, nothing threatening like suing me in court. There is no need to even mention that. And yes they called before XXXX XXXX Pacific time though the jist of this complaint is their saying that a case will be filed against me in court. That is phone bullying.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (Savings account) with CITIBANK, N.A. (AZ).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I closed a savings account at CitiBank in  XXXX  2017. For the last four months CitiBank has added a {$59.00} charge to this account that I 've closed, I get calls from CitiBank drones telling me I have a negative balance. I called CitiBank to close the account again, and again the same thing happens. I have closed this account four times and CitiBank will not close it. I just got three calls from the CitiBank drones for a negative {$59.00} balance. I want this account closed! It has a   XXXX    balance.

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 Debt collection (I do not know) with First National Collection Bureau, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling me, however when I answer no one speaks and after about 10 seconds it will disconnect the 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 11-02-2016 about Bank account or service (Checking account) with TCF NATIONAL BANK (IL).
Issue: Deposits and withdrawals

Complaint: My purse was stolen on XXXX XXXX. I reported the loss of my driver 's license and checking account debit credit card to both my bank, TCF, and the police. On Friday XXXX XXXX an individual made a fradulent withdraw of {$350.00} dollars from my checking account. The withdraw was made from a TCF bank in XXXX. I live in XXXX. Since then, TCF has refused to release the remaining funds in my checking account or refund my {$350.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: To : Whom It May Concern My name is XXXX XXXX. My recent case number is XXXX, which has been closed. I will like to re-open this case based on new evidence that will help prove my case. I have evidence that the company ( XXXX XXXX ) that may an unlawful withdraw from my checking account is a scam company and I am not the first victim and I wo n't be the last until they are stop. This company is not affiliated with the Better Business Bureau and there has been many complaints to the Better Business Bureau concerning XXXX XXXX. Just as I mentioned before, this company will not answer any more of your phone calls once you find out that they are a scam company and you want to cancel with them. I have more information about this scam company as it relates to other people and the Better Business Bureau.  I saved the link about this company. The information is very informative. This link is included in this complaint. 

Thanks, Yours Truly, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have recently reviewed my Transunion credit report and observed that several inquiries that were disputed and removed and re-appearing on my credit report. Furthermore, other disputed inquiries have not been addressed at all. Transunion always reply with a standard response that it is my responsibility to contact the creditor and address my concern. This is in total contradiction of Transunion previous action because record will show that Transunion had deleted sever disputed inquiries. I am respectfully requesting that Transunion conduct a legitimate investigation into the following disputed inquiries. Furthermore, I want the name of the Transunion Representative that conducted the investigation and the name and contact information of the Creditor Representative that confirmed the inquiry was legitimate. If that is the case I am requesting Transunion to send me a copy of the documents used to confirm that the inquiry was legitimate so I can verify it 's validity. 
XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 ALLY XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 ( They send me a letter confirming that the inquiry needs to be removed. Letter will be provided upon request ) XXXX XXXX XXXX/XXXX/2016

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