milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/29/2016 about Bank account or service (Checking account) with DISCOVER BANK (CA).
Issue: Account opening, closing, or management

Complaint: Hi, I have had a credit card account in good standing with Discover for several years, and was pleased ( at the time of account application, not now ), to receive a promotional checking account offer for a {$300.00} sign up bonus with conditions of sign up by XXXX/XXXX/XXXX, and make XXXX direct deposits within 60 days. Here is the full situation : a ) The application was opened on XXXX/XXXX/XXXX. The final screen said something along the lines of 'pending ' or 'more info is needed ', and it was my understanding ( as with credit card applications ) that a specialist would look into the account and contact me promptly. 

b ) Contact was never made, which was frustrating, so I called in on XXXX, and the account rep told me she saw the application and was willing to finish it. I reminded her of the bonus offer and *she acted like is was still completely good and valid* since I had applied on XXXX/XXXX/XXXX. 

c ) Direct deposits fulfilling your terms and conditions were completed XX/XX/XXXX. 

d ) I sent a secure message ( now unavailable to me ) in XXXX asking when the bonus would post, and the rep told me it would be on XXXX/XXXX/XXXX. He did never indicated that I was ineligible, and he apologized for the inconvenience. 

e ) When XXXX passed, I sent another message ( now unavailable to me since the Discover system deletes them after 30 days ), asking what happened. Another rep told me things would be adjusted within 30 days. There was still no indication that I was considered ineligible. 

f ) I sent in a message yesterday, XXXX/XXXX/XXXX, and was informed that the account was officially dated XXXX/XXXX/XXXX, which is the time of completion and not the time of the application, and I am therefore considered ineligible. This is the first I was told of this. I sent in an application on XXXX in good faith that it would be reviewed and completed, and in my opinion, Discover dropped the ball on it. Not me. 

g ) I then called in. The rep not only told me about the account date issue, but also informed me that I was not targeted. I received a direct mailing, and was therefore, by definition, targeted. They later change their story on this, oddly enough. 

h ) I received another message telling me, Oh, I guess you name is actually on the list (?? get your story straight ), but your still ineligible because of the account opening on XXXX, not XXXX like I thought it was. 

I can not believe that are going to renege on a bonus offer using a petty technicality. It is not my fault for not finishing my account opening in an 11 day window ( XXXX ). That was completely in their court, not mine, after I applied. This is bad business practice all around. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX placed me in Equifax credit reporting for a {$230.00} bill they claim I owe. I have never in my life gotten any thing from XXXX. They said I purchase cellular service from them. I do not have cellular service with XXXX. I have never been in either XXXX of their stores. They claim I signed my name XXXX XXXX. The Rep got very smart with me and told me over the phone that I did sign the documents. She said I sign my name XXXX XXXX this is something I never do. I sent them XXXX letters XXXX of which was notarized by my bank. They never responded to either of my letters. When I saw the credit report from Equifax I told Equifax I did not get any thing from XXXX XXXX but they never did any thing about it. I have never even so much as gotten a bill from XXXX XXXX. I did not fine out about this until I got a copy of my credit report and they were listed on it. Sometime later they sent a letter saying I did owe the {$230.00}. They never sent me any documents to see the signature on the documents. Instead they say I owe the money. They will not send any copies of the documents. they never answered any of my letters. Not a XXXX XXXX of them. I did not get any thing from XXXX XXXX. To be totally honest with you I do not like XXXX XXXX products they are too high with their products and I told them that. I have never had any products from XXXX XXXX. I got my phone from XXXX and I have had my phone for over 4 years and before that I had XXXX on a contract with some XXXX else for over 6 years. I have never owned a XXXX XXXX phone and I would not have XXXX if they gave it to me. They are just to high for me when I can go to XXXX or XXXX and get the same phone for a lot less money. Right now I have a XXXX phone. It has the same features as a XXXX phone. I want them off of my credit report. This is a fraud. They never sent me not XXXX bill but they put it in with Equifax and said I owe them this money. I do not owe XXXX XXXX any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has the wrong information and will not delete information that is XXXX years old from the time of first delinquency and provides the wrong information regardless of who asks for it if it has wrong information ad will not accept the right information the account must be deleted. if the account is joint information and the data is wrong it does not matter how many times you dispute wrong information it is never deleted. If XXXX sold the wrong data to XXXX XXXX and they report the wrong data than XXXX XXXX is wrong as well

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is reporting to XXXX that I owe XXXX under revoving accounts at XXXX % ... Experian own reports is correct at XXXX % but still reporting to MY Fico incorrectly ..it does hurt my score I have talked to XXXX different people at Experian and some other national ( whatever ) with NO good answer '

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 10/26/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We filed a chapter XXXX Bankruptcy in XXXX, and it was discharged in XXXX. We held our mortgages outside of the BK, and authorized the lenders to continue to send statements. When the BK was discharged they were sent a copy of the discharge as well. 
There was a change of servicing company, but XXXX servicers took the same stand. They would not send us any statements or letters, they did not send the annual escrow disclosure statement or notify us of any changes. They would not speak to us, or allow us online access to our account. 
The second servicer took over our loans XX/XX/XXXX ( we have XXXX homes XXXX was my husbands and XXXX was mine before we were married ). 
We were not given online access to our accounts by the new servicer until XXXX XXXX and XXXX XXXX respectively. They still do not send us correspondence, annual escrow statements, or regular statements. We can see these letters generated online, but they never are sent. 
Additionally they are not reporting our payments to the credit bureaus. They are insisting that we give them a reaffirmation letter and then they will report to the bureaus. 
Our BK attorney has strongly advised us not to sign a reaffirmation. His position is XXXX fold, first of all the properties were held outside of the BK, so there is no need to reaffirm the debt. Secondly he feels that the servicing company is taking away our rights to begin a new start in building our credit. His recommended resolution is that we re-open the BK and file an adversarial action against the servicer regarding their non-reporting and it 's impact on our ability to re-establish credit. Nationstar has essentially taken away our rights given to us upon completion of the BK and has hindered our ability to establish credit of any kind even to lease a vehicle without a co-signer. 
We have been working on correcting all of these issues for close to a year and a half. 
Can you help us clearly understand our rights in this situation?

Company response to consumer: Closed
Consumer complaint received 03/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Esser, James & Associates (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This fake assets company harassing me trying to get my bank and credit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (TX).
Issue: Taking out the loan or lease

Complaint: TD AUTOFINANCE approved an auto loan with a substantial down payment ( {$15000.00} ) on XXXX XXXX, 2016 and delivery of the truck was that date. Afterwards they spent over a month asking for more information and in fact refused to fund the dealer for over 30 days. The loan was pre-approved. TD Autofinance also refused to take an online payment by debit card on the date of the first payment even though it was only 8 days after the loan was funded. This after they actively advertise online payments. They are now reporting the payment late, trying to collect a late fee, and should n't even have a payment due yet. They took a check payment online charging us over {$500.00} in unearned interest. Of course, by doing so they forced the payment to be late since they would not submit it until the day after it is due. Contrary to a debit card which will clear by midnight on the day it is due. We contacted TD Autofinance over a week ago inquiring into the whole transaction and were told that our payment was due no matter what. I 'm convinced that this is an ongoing criminal enterprise! Based on my research, interest is due in arrears and only earned interest at that. I requested a reset of the first due date to properly reflect interest earned and TD told me to stuff it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/2017, XXXX XXXX XXXX contacted me via email and offered loan assistance as I was in the hurricane impacted area of Hurricane Irma. On the email was a link for a 30-day loan deferment. I clicked the link, requested assistance and they responded back stating the deferment was complete. I have documentation that supports the offer and acceptance. 

I continued to get calls from XXXX, when I returned their call on XX/XX/2017, the collection rep stated that I did not have a deferment and my account was showing 31 days past due and it was reported to the credit bureau. When I attempted to explain and provide the documentation I have to support the deferment, they stated sorry they could not help. They placed me on hold, never to return. After several calls, and a lot of runaround I finally contacted a lady by the name of XXXX XXXX in Customer Care who assisted me. She was professional, she listened, and ultimately resolved my issue. She asked for the documentation which I provided and made the necessary adjustments. It is employees like this that make up for the failures of others. 

While I understand most all financial institutions are providing assistance to those in need in the impacted area, the treatment I received from XXXX is unacceptable, misleading, and unfair business practices. I can only hope this may bring to light others that may be in a far worse situation than I, that are depending on XXXX for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Diversified Consultant is recently reporting a collection on my credit report for XXXX and it is not mine. I currently have XXXX! When I call XXXX  they say I do n't owe any extra. When I call the collection company they say there is no balance! I never got a notice from them, only them reporting to my credit one day. How can they just report to my credit for something I do n't owe! Then they do n't do anything to help you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Delinquent account

Complaint: Citibank Is violating the FCRA Laws by continuing to report Credit Card # XXXX on my XXXX credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: I was a few days late paying-off the balance on my Citi card. The payment was due XXXX and I paid the balance owed on XXXX. I subsequently paid the balance owed on the statement due date of XXXX. Citi charged me interest of {$38.00} for the statement balance at XXXX through XXXX, even though they were paid-in-full on 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 monetary relief
Consumer complaint received 07-07-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (IN).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I keep getting something that says that my bank information was incorrect while it is. It 's also not regestering my job.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent a dispute listing 3 inaccurate items on my credit report. After receiving a notice that the 3 inaccurate items were verified I mailed a letter via certified mail article # XXXX XXXX XXXX XXXX XXXX requesting the method of verification regarding the 3 items that were verified. the Fair Credit Reporting Act 611 ( a ) ( 7 ) WHICH ENTITLES ME TO THE EXACT PROCEDURE USED TO VERIFY THE INFORMATION, ALONG WITH THE BUSINESS NAME AND ADDRESS AND NAME OF THE PERSON THAT EQUIFAX SPOKE TO WITHIN 15 DAYS. Equifax failed to provide any information at all. 
Equifax failed to provide any response to my Method of Verification request. 
Due to Equifax committing this violation of federal law, I am entitled to a minimum of {$1000.00} for this violation. I also believe Equifax is in violation of FCRA 616 for willful non compliance as well.
I want the method of verification as requested and a {$1000.00} Cashiers Check or Money Order.
If the method of verification is not provided, I would expect my {$1000.00} payment and all 3 inaccurate removed from my credit report immediately. 
The confirmation # XXXX stated that the inaccurate items were verified. 
I sent the method of verification via certified mail # XXXX XXXX XXXX XXXX XXXX and it was received by XXXX XXXX XXXX on XXXX XXXX,XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Unauthorized " XXXX XXXX '' charges on XXXX XXXX Store Card XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$57.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$54.00} Plus card egregious FEES of {$520.00} for year XXXX, including XXXX XXXX and inaccurate Late Fees.

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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 am very frustrated with Equifax. My attorney has also had the same experience with them. I do not trust them, especially with the most recent data breach they had. I have had accounts on my credit report that were never applied by me. As soon as I saw them on my credit, I immediately reported them to have them removed off my credit. 

XXXX and XXXX were great and helpful in removing this fraudulent information but Equifax continues to respond to me with canned letters, never providing me with any relevant information on the investigation. How can it be that XXXX and XXXX  removed the fraudulent information but Equifax has n't. It is the same exact information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: When I opened my accounts at Santander late last year, the manager of the XXXX branch told several lies during the process. XXXX key ones were 1 ) that I had to open XXXX accounts -- that was the current offering and 2 ) that he could give me the same overdraft credit that I had at my previous bank. He said very clearly that that was already approved. Several months later, I 'm not working and not making direct deposits. As a result, I 'm overdrawn and have been receiving phone calls from the bank, and am paying maintenance fees on XXXX accounts. While the current manager has been sympathetic, I do n't feel that Santander is fully responding to such a serious problem. 
In the short term, I would like all my account fees paid to date to be refunded and for an emergency line of credit to be extended. I was told that I had access to {$2000.00} in credit, and Santander should honor that even if the proper application was not taken. In the long term, I would like Santander to contact every customer who opened an account during that period at that branch and verify that they understand the products they purchased and that they have what they were told they have.

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
Consumer complaint received 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX accounts on my credit report that are not mine. XXXX is for XXXX ( debt collection agency is XXXX XXXX Solutions ) and the others are XXXX medical bills from XXXX XXXX. I never did any business with XXXX so I can only assume that this is a fraudulent account or they have the wrong person. The medical bills were not my responsibility, the insurance was under my ex-husbands name, the insurance was provided for his daughter at the time of service and there were no additional co-pays or fees. I have disputed these items with the credit bureaus, however, they remain on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Debt collection (Medical) with Applied Business Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The original collector, XXXX XXXX XXXX XXXX, has already agreed to and accepted a settlement offer for this debt with the agreement upon receipt of payment, the referenced account will be removed from Security Collection Agency, any collection agencies, and credit bureaus. Please view my supporting documents from XXXX XXXX XXXX XXXX. However, Security Collection Agency is still reporting this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed an item on my experian credit because XXXX informed me that, based on my agreed terms with them, ones my collection account is XXXX on that day, XXXX, XXXX of the supervisors will inform credit bureaus to delete the collection. XXXX XXXX account was deleted from my account on XXXX, the XXXX. I logged in my experian membership account on XXXX2015 and found the account deleted completely. Some staff at experian put the account back on as paid, and closed on XXXX XXXX. I disputed the information as inaccurate with supporting documents from the merchant, requesting experian to delete the collection account. Experian staff threatened to block me from accessing my account if i kept calling them, Since then i could not access experian account or dispute any information on my report. I am currently denied my basic right to dispute a wrong information on my credit.I am only allowed to dispute over the phone. I am including a copy from the merchant authorizing account to be deleted and confirmed that they did contact the XXXX bureaus and was deleted. I did provide this documents to experian through online and fax.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I had signed up for paperless communication when my loans first came due back in XXXX. I went back to school, and when I left, my school e-mail, which I had on file with Fedloan Servicing go deactivated. When my loans came due again ( XXXX XXXX ), I was receiving communication through such e-mail, which was no longer working. So, I was never aware that they had come out of deferment and never received a letter in the mail when payments came due, even though they had my address on file. They reported all my accounts as delinquent to the credit bureaus. I take my obligations very seriously and always strive to keep a clean credit report. I never missed or was late on payments when my loan was first due ( from XXXX through XXXX XXXX ). Also, I continued making interest payments on my loans during times when my loans were in deferment, by setting up direct payment from my bank account. In addition, after I learned about this issue, I set up direct debit for my payments and made my first payment on XXXX XXXX, XXXX, to avoid any issues in the future. This is the only black mark I have on my report and has caused a huge decline on my credit standing, which is hurting me every day. I feel like their practice is very unfair and their communication very poor.

Company response to consumer: Closed with explanation