milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I opened a new Best Buy  Citi Visa Card o n  XXXX   XXXX ,   XXXX   for the purchase of a new computer with 0 % interest for 12 months  ( deferred interest charges ).  I received my statement through the mail on  XXXX   XXXX ,   XXXX  . Upon opening the statement it states the first payment was due on  XXXX   XXXX ,   XXXX  . Upon calling the customer support line at  XXXX , I was informed that the billing cycle for my card ended on  XXXX   XXXX ,   XXXX   two business days after the account was opened. Being I did not receive the billing statement until  XXXX   XXXX ,   XXXX   I will now have interest charged to my account. I will be returning the item purchased and closing the card.     I would like a record of this deceptive practice being done this company, by luring customers into deferred interest products and trapping them into deflating on the terms.

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 11-01-2016 about Payday loan () with QC HOLDINGS INC (KS).
Issue: Can't stop charges to bank account

Complaint: I am with XXXX. We are closing down the bank account to stop them from damaging us further. The name of the company is Quik Cash in XXXX Kansas. I made payment arrangements with them and was late on that arrangement. At the time of the pay arrangments they were supposed to have shredded the original check for {$570.00} ... apparently they never shredded it, even though they told me they would. When I was late on my arranged payment, they submitted the MUCH larger original check right to my bank and over drafted my account badly! This is NOT ok! They ca n't be angry for a lateness and put through a check that was supposed to have been destroyed. : - ( Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Advertising and marketing

Complaint: We filed a travel insurance claim with Citi Cards, due to travel delays on a trip to XXXX in XXXX 2015. We were denied the claim as we had used XXXX/Citi cards miles to obtain the flights for this vacation. In the Citi cards literature it states that you must pay for the trip with the card to get travel insurance benefits, but it does not say that you can not use frequent flyer miles to get that benefit. We had paid for everything on the trip with the Citi card. While this travel insurance claim was minor in dollar value, I am far more concerned about the larger implications of this deception. For example, I recently traveled to XXXX and relied on Citi 's documentation on rental car insurance coverage ( including a coverage letter from Citi ) and therefore, declined the rental car company 's insurance. Had I been in an accident in XXXX and incurred significant costs for damage, I would now be liable for that cost, as again, I used frequent flyer miles for the plane ticket. ( note that the trip to XXXX was prior to Citi denying the earlier claim ). What is so misleading about Citi 's advertising is that the frequent flyer program is XXXX of the same benefits that Citi and XXXX XXXX promote with their card, in the same advertising/documentation as the travel insurance benefits - so one would expect that people would use miles to pay for some of their travel, which in turn, invalidates any later travel claim.

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 10/14/2015 about Debt collection (I do not know) with Diversified Consultants, Inc. (DE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received numerous calls from this number via automated dialer when you call back it states please hold, then a message comes up that there is no one available. When you do pick up the call they hang up. I have called the company to advise them if they do call they will fined by law {$500.00} per phone call which is applicable. I have received multiple calls per day from this number. Which I have records of. Spoke to manager who said they will stop contact but he did not ask for a number to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Mortgage (Conventional fixed mortgage) with Neighborhood Assistance Corporation of America ("NACA") (CA).
Issue: Application, originator, mortgage broker

Complaint: on XXXX/XXXX/XXXX I attended a workshop where I got information about the NACA program on XXXX/XXXX/XXXX I got my first appoitment with a loan officer and she pulled my credit report that I paid. at that time I sent her a completed loan application with my incometaxes for XXXX & XXXX with paystubs, bank statement, purchase contract, prelim rpt and authorization for naca to process my loan.and now nobody is responding to my emails. So in XXXX XXXX Seller told me that a real estate agent is involved and going to help but NACA employee are relutant to provide information about the loan to him. Up to this moment I have not been provided with a good faith estimate or any loan info

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Privacy

Complaint: A company calling themselves " American Express '' and also " American Express XXXX '' have been repeatedly running my credit report several times a year for years. I have not done any time of business with American Express in well over 12 years and did not authorize any of these inquiries. I also have a LIFETIME ban on promotional inquiries into my credit. There is no excuse for American Express repeatedly invading my privacy like this. As you can see on the attached Experian credit report, just this year they have run my credit report XXXX times under XXXX different names ; American Express and American Express XXXX, and also used XXXX different addresses. They have done this for several years now and I have sent them letter to stop as well as complained to the credit bureaus to not allow it. It has not worked, American Express continues to invade my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: In XXXX 2015, I ordered a product from Experian to get my XXXX bureau reports with my FICO score. When I ordered the product through Experian 's customer portal I was told that the FICO score was unavailable. This was very disappointing to me because I am fixing my credit and I spent my money to get an idea of my credit rating only to be set back again. Experian gave me back a refund of money, but I have no clue as to what my middle score is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2017 about Credit card () with U.S. BANCORP (VA).
Issue: Other

Complaint: XX/XX/XXXX to CFPB Reference case number XXXX ( a number that does not appear in your online database ). 

On XX/XX/XXXX I submitted the above-mentioned case to CFPB. On XX/XX/XXXX, the Elan unit of US Bancorp, wrote me ( see attached ) to say that a fraud had been committed and the charge had been reversed. They also said that they submitted a request to the consumer reporting agencies to remove any delinquencies but it " ... may take the agencies several weeks ... ''. It is now been over 8 weeks, and my credit score is still about XXXX points below last XX/XX/XXXX before this mess started. 

Does CFPB ever " close the loop '' and ask these companies to report when they have DONE what they promised? 

Elan unit of US Bancorp opened an account without my knowledge or consent. They ruined my credit score. Is this a matter for federal court, or state court? 

Please let me know who the perpetrator of the fraud was. 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 non-monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: On XXXX XXXX, 2017, I wrote this credit repository and all the creditors being reported incorrectly on my credit report. There are several collection accounts that I disputed which does n't belong on my credit report. Requested validation documents to be provided to me and I have not received what I am lawfully requesting and it is more than 40 days now. How can the bureaus report that such disputed items have been verified? How did you verify the information? Is n't it unfair that I did not receive validation documents within the required timeframe as stipulated by the law, you being able to verify the pieces of information and me, on other hand can not?! What documents did you use in your investigation? Is n't that a violation of FCRA. Not being able to provide validation documents. Reporting an item verified when they are unsubstantiated?

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 09/20/2016 about Consumer Loan (Installment loan) with DISCOVER BANK (CA).
Issue: Taking out the loan or lease

Complaint: ON XXXX I HAVE RECEIVED A SPECIAL INVITATION BY MAIL FROM DISCOVER TO APPLY FOR A PERSONAL LOAN. ID # XXXX OFFER EXPIRES ON XXXX XXXX. SO, BEFORE I APPLIED FOR THE LOAN ON XXXX XXXX. I HAD CHECKED MY SCORE AND USED THEIR CALCULATOR THEY PROVIDED TO SEE WHAT THE APR WOULD BE. 13.99 %. OK, SO I CALLED AND ASKED A FEW QUESTIONS. XXXX DO YOU PRESCREEN THE SUBJECT BEFORE THE INVITATION. ANSWER : YES. XXXX WILL YOU INVITE IF CRITERIA IS NOT MET. ANSWER : NO. SO ONCE I GOT MY ANSWERS. I APPLIED. AND THEY DENIED ME. NOW I HAVE UNWANTED INQUIRY ON MY REPORT WHICH KNOCKED MY SCORE BY XXXX POINTS. AND FOR WHAT? I HAVE BEEN WORKING EXTREMELY HARD ON FIXING MY CREDIT SO I CAN HELP SECURE A FUTURE FOR MY FAMILY. I GOT MY FIRST BREAK FROM XXXX XXXX XXXX WITH A {$300.00} CREDIT CARD, IN LESS THAN 18 MONTHS I HAVE OVER XXXX WITH XXXX XXXX. I HAVE APPLIED FOR OTHER CREDIT CARDS SINCE. AND NEVER DENIED WITH ANY XXXX. NOW I HAVE OVER XXXX WORTH CREDIT CARDS AND XXXX CAR LOAN, THAT 'S HOW HARD I WORKED TO GET HERE, TO BE STABBED BY DISCOVER WHO I HAVE A XXXX CREDIT CARD FROM THEM WHERE I MADE OVER XXXX PAYMENTS THE 16 MONTHS TIME AS A CUSTOMER AND UNDER 25 % UTILIZATION. I AM OUTRAGED WITH THEIR TACTIC TO XXXX MY CREDIT. JUST BECAUSE THEY CAN.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I believe I was affected by the data breach impacting Equifax consumers between XXXX and XXXX XXXX. I have been unable to get confirmation from Equifax directly, as their call centers and data centers are understandably under heavy strain ( unable to get through on phone, and impact assessment page gives no answer ). 

However, since the breach was reported, I have been receiving a disproportionate number of calls to my personal phone -- multiple per day, sometimes per hour. It 's as close to correlation as I can get, for the moment. I 've already placed a 90 day fraud alert with all three agencies, so this report is just following through with the formality.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: If you XXXX the " homeowners protection Act '' it 's described as 'Homeowners Protection Act ' A law designed to reduce the unnecessary payment of private mortgage insurance ( PMI ) by homeowners who are no longer required to pay it. The Homeowners Protection Act mandates that lenders disclose certain information about PMI. 
In my situation I am not being protected from Paying PMI unfairly ... ..but rather unfairly being required to carry it through XX/XX/XXXX. Let me explain : my property 's appraised value at closing of my loan in XX/XX/XXXX using by bank 's preferred Appraiser was $ XXXX, my current principal balance is {$260000.00} making my Loan to Value : 76.19 % under the 80 % requirement needed to " drop PMI ''. However my lender is not using the appraised value to calculate my LTV but rather my purchase price of : {$310000.00}. They present my " LTV '' on their website as : 84.9 %. At first I struggled with their own representatives to be able to explain what was happening and why my Loan to Value was being calculate with a number that was not my value. Only after running the ranks did management explain that they were following the law laid out in the " Homeowners Protection Act ''. Imagine my dismay, learning that the law that is named to protect me is cheating me out of {$35000.00} of my homes equity??? Even better yet their website tells me that the approx. date I will reach 80 % Loan to Value is XX/XX/XXXX ( rough math tells me I am looking at approximately 30 more months/payments of PMI in the amount of {$170.00} or {$5200.00} over that period ) That 's a real kick in the teeth. Can you please help change this act to protect Homeowners from paying Private Mortgage Insurance unfairly?

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 02/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My name is XXXX and I was a previous student at the XXXX that was shut down on Tuesday XX/XX/XXXX. I XXXX with my XXXX XXXX degree in XXXX in XX/XX/XXXX. Since attending the school I have obtained {$100000.00} of student loan debt from private loans and Federal Government loans. While attending the school I was promised and guaranteed that I would be able to obtain a job that would make the same amount of money that I invested into the school. When I was attending the school the Financial Department never went over the terms with me and how much money was being financed for the courses. Also the Financial Department denied me each semester of Financial Aid which was observed because I only made less than {$40000.00} a year. At the time I was living with my parents due to XXXX difficulties. 

The second vendor that XXXX was associated is with Navient. With Navient I owe {$75000.00}. With Navient I have XXXX different forms of loans. The first forms of loans is called Subsidized and Unsubsidized loans. The Subsidized/Unsubsidized loans are provided by the Government. The second portion of the loans is called XXXX. The XXXX is provided by Navient. After researching the open loans Navient opened in my name there is XXXX in particular in which they claimed I went to XXXX in XXXX. The school was taking loans on my behalf without letting me know in areas I have never been. That portion of the loan I owe is {$22000.00}. When I called Navient and ask them why there is a loan taken out in my name for the XXXX in XXXX that they are not sure but they told me that I am required to pay it. I never been XXXX and never attended school in that location. The only XXXX I attended was in XXXX VA for my XXXX. Next I attended XXXX, VA for my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 have filed over 3 online disputes regarding  XXXX   XXXX  showing up on my credit report when I have not used their service in over 15 years. I have had a different phone carrier for 15 years or more and the credit bureaus have failed to listen and validate the debt. I want it deleted so that I do n't escalate this matter further.

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 12/13/2015 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Account opening, closing, or management

Complaint: A certified letter original dispute with Chex Systems has been sent to address : Chex Systems Consumer Relations, XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX. A requested is sent to them to correct the negative information from the XXXX XXXX XXXX which they are making fraud and black mailing the consumer by the inserting negative information which is 100 % wrong need to fix immediately and removed from the XXXX XXXX XXXX and Chex Systems. A attorney letters and my numerous requests have been sent to them but no action is being taken place. Several complaints have been forwarded to you in this regard for immediately fixing and the removal of wrong and negative information from XXXX XXXX XXXX and Chex Systems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This letter is a formal complaint that Fedloan Serving is erroneously reporting derogatory late payment-history information regarding my student loans which they service, to the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX. These negative entries are having an adverse effect on the ability to obtain credit under favorable terms and/or denial of credit. These accounts were included in a forbearance granted by Fed Loan Servicing in XXXX. The forbearance means that no payments are due and therefore no payments could be late. 

Attached is a copy of a letter that I received from Fed Loan Servicing outlining the details of my forbearance from XXXX. 

Attached is a letter sent to Fed Loan Servicing, requesting that they remove all late payments. Fed Loan Servicing maintains that they are reporting accurate credit information to all XXXX major credit agencies, an assertion that I dispute. 

Fed Loan Servicing, in a written statement ( attached ), has further asserted that periods of forbearance do not remove accurate reporting of previous delinquencies, if any to the consumer reporting agencies. This stance is in direct conflict with the XXXX XXXX to XXXX XXXX XXXX, Office of the General Counsel, U.S. Department of Education, dated XXXX/XXXX/XXXX, as issued by XXXX XXXX, United States Federal Trade Commission. This opinion, attached to this dispute concerns the applicability of the Fair Credit Reporting Act ( FCRA ) to the reporting of additional information to credit bureaus about defaulted student loans. It states, " [ The duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ] extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' Therefore, Fed Loan Servicing has a legal requirement, under the provisions of the FCRA, to remove the late-payment entries being made to the credit reporting agencies for the above-referenced time frame, since the affected loans were not delinquent, but whose terms were satisfactorily satisfied through the proper application of in-school payment deferment and/or forbearance. 

I 'm requesting removal of all late payment information from these accounts immediately. Continued inclusion of this erroneous late payment information places Fed Loan Servicing in violation of Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Closing/Cancelling account

Complaint: The purpose for my complaint today is because I have tried to log in to my lowes account online and it is not allowing me to log in. I called in and spoke to a representative in the fraud department whom then sent me a code to my home phone number and verified that it is me. She proceeded to tell me that my account was triggered due to my recent address change. She then explained further that some aspect of the account sent my account for management review and that there is nobody that I can speak to call back in 1 week. I find this situation to be ludicrous due to me being a lowes credit card customer since XXXX of 2014. I have never been late on my account and have not gone near my credit limit. I proceeded to ask for a corporate number and was told there is no such number.

Company response to consumer: Closed with explanation