milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Deferment was supposed to be backdated to when payments where missed according to the customer service representative. The dates are XXXX, XXXX, XXXX, andXX/XX/XXXX. I requested my credit report on XXXX XXXX XXXX and noticed 4 missed payments on my credit report. The company keep giving me the run around everything I call. I have decided to reach ou to the CEO of XXXX. I was going through XXXX XXXX during that time but applied for a deferment that was supposed to be backed dated to the missed payments. My account was in good standing before and after those 4 late payments appeared that are n't supposed to be there.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: American Express sent me an offer on its Delta Skymiles Card offering me XXXX miles if I signed up for the card and spent {$1000.00} on the card in the first 90 days. I got the card and spent the {$1000.00} within 90 days. American Express denied me the bonus miles because in the fine print terms and conditions it said that I previously had this card and therefore was not eligible for the promotion. This should have been made clear to me when I signed up or I never should have been offered the promotion to begin with if I was ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Medical debt) with SCA Collections, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: on XXXX I sent information a Certified letter to SCA Collections. The letter was signed by XXXX XXXX on XXXXXXXX. My main reasoning for this is because SCA is a third party collection company and my information has been released tho SCA from XXXX XXXX XXXX the creditor. The letter I received have information which is Violation of the Hipaa Law. They are releasing information to me such as XXXX XXXX/XXXX w/o XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. SCA have reported this information to the Credit Bureaus XXXX, XXXX, XXXX. Indirect Violation of HIPAA LAW. 
listed accounts SCA : XXXX,XXXX,XXXX,XXXX,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 explanation
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: STELLAR RECOVERY INC is trying to recollect a debt that has already been paid. STELLAR RECOVERY INC has been notified the debt has been paid in full but continues to try to collect and report it on my credit report. The debt was paid to XXXX and removed from my credit report XXXX XXXX 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This dispute comes regarding a letter dated XXXX XXXX, received on XXXX XXXX, XXXX, relative to past due account for the above referenced apartment. Pursuant to numerous telephone conversations with XXXX, XXXX and XXXX, in the Leasing Office, prior to submitting the 60 DAY NOTICE OF INTENT TO VACATE, all contractual obligations were fulfilled, according to discussions with the Leasing Office Staff, for vacating the apartment. The last conversation was in person on XXXX XXXX, XXXX, with XXXX who reviewed the obligations and confirmed the rent should be paid on XXXX XXXX, XXXX for the full monthly rental amount, and XXXX XXXX, XXXX in the amount of {$330.00} Also attached is a copy of the Move-Out-Key Return The apartment was left in exceptionally clean condition, pictures are available. 
I am certain this communication will clear the miscommunication.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I deposited a check that I wrote from my bank account and deposited it into another of my bank accounts. It has been 5 business days and they have n't released even XXXX dollar of the funds. Should I just have cashed the check at the originating bank and then deposited the funds? How long can they hold my funds? I have never deposited a bad check or overdrawn my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MD).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I called the bank repeated on X/XX/2017, after receiving their notification. I was told that I would receive a call back from executive relations, but did not receive that call. I did speak to a reputed supervisor, XXXX XXXX XXXX, who was both rude and unhelpful.
The account is under my name, acct XXXX XXXX.
PNC debited my account for {$35000.00}, corresponding to two checks deposited via an ATM. These checks were issued when a mutual fund ( XXXX XXXX XXXX XXXX ) closed, and I was the owner of record on two accounts. The first check was for {$14000.00}, and was issued payable to me and XXXX XXXX, my wife, as XXXX. The scribbled explanation for the debit was a checkmark next to " Payee not on account '' ( I certainly am ), and " not a trust acct '' scrawled in below that.
The 2nd check was {$21000.00} payable to " XXXX XXXX XXXX '' for my son XXXX XXXX  XXXX. The checkmark here is next to " Other '' and the scrawled comment says " not custodial account. '' In fact, the mutual fund was a custodial account, and the check is payable to me.
I would like the checks returned immediately, and would like to close my account with PNC and be issued a check for the remaining balanace, since PNC appears to be unable to accurately and politely execute standard banking practices.
Copies of these sloppy items can be provided as needed, if copies were not retained by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: asked them to send me proof paper mail regarding this matter but they continue to call consistently 4-5 times a day

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 09-10-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Portfolio Recovery Services has continued to pursue me over a credit card debt that along with many other was discharged in a bankruptcy proceeding. I have disputed the {$660.00} claim numerous times through the credit bureaus and PRS continues to provide false statements as to the validity of the debt. I am trying to buy a new home and at the advisement of my lender, decided to pay the debt in order to bolster my credit rating. Even though I have paid the debt in full ( which I believe strongly to be bogus ), they have not properly reported the collection as " closed '' to the credit bureaus and continue to report it as an open balance of {$660.00} and continue to call me to pay the debt. I recently read that this company ( Portfolio Recovery ) was ordered to pay back XXXX of dollars due to unethical practices, which lead me to file this complaint as I believe I am also a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I attended  XXXX   XXXX  from  XXXX  to  XXXX . I graduated and left with a bunch of loans. I have been on an income base repayment plan since I graduated. I owe more than I make. I was I had false practices with my loans.  I was told be a loan consolidating that there were more than one loan opened in one day. Loans being taken out of my name without my acknowledgement. I will receive emails showing I have {$0.00} payment and then come across some emails showing I owe {$100.00}. I 've tried to apply with borrower defense   back in   XXXX   XXXX   I did not hear back from Navient regarding me claim. It was n't until last week,  XXXX   XXXX  when I thought I, was being scammed by a student loan servicer that I had called Navient to ask what their affiliation with Student Loan Educators was and they told me they do n't work with third parties regarding student loans and also that my submission for the borrower defense program was denied. Nobody contacted me or, let m e know it was declined. This student loan debt is screwing my credit score. Its really hard to obtain credit or even a house. I got lucky with my current apt . I feel Navient did not look into my loans to investigate amd to help me discharge some or if not all my student loan debt . I put  XXXX   XXXX  as my school on my resume and I 'm being laughed at or ca n't get a job in my field with my degree, I, would really appreciate if someone would look into this. I 'm so, desperate for help I went to a student loan servicer and got scammed. Please someone help.,

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Refuses to remove all inquiries. I have contacted the credit bureau multiple times explaining that I have contacted the furnishers of information they are reporting inquiries from and I have been able to get no where. I have not been able to get any factual evidence showing that the inquiries reported are mine. The credit bureau agency claims that they have validated the inquiries are factual. How can they determine something is factual when I can not?

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 04-06-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I consolidated my loan with Nelnet, I was told I was on the correct standard repayment plan ( phone conversation ) to receive Public Service Loan forgiveness, however I was recently informed that after making 105 payments, I was on the incorrect " standard '' repayment plan since 2010. Each time I have talked to Nelnet, I informed them I was XXXX XXXX military and intended to use PSLF however was never advised that my payments were not qualifying.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have a XXXX XXXX Card with First National Bank of Omaha which is serviced through XXXX XXXX. The XXXX XXXX credit card has a travel benefit that reimburses {$100.00} for Global Entry ( a program that helps passengers get through airport immigration more quickly ) and {$100.00} for discretionary airline spending ( airline upgrades, food, airport lounges, itinerary changes ). On XX/XX/XXXX I paid {$100.00} for Global Entry and after MANY customer service calls to First National and XXXX XXXX I have yet to receive my {$100.00} credit. The last customer representative I spoke to was XXXX with XXXX XXXX and he informed me that I would get the credit " soon ''. This call was made XX/XX/XXXX. On XX/XX/XXXX I paid for an intinary change for {$410.00} and expected to be reimbursed {$100.00} for discretionary airline spending. The story is the same, after many calls to customer service on both ends I still have not received a dime. I hope I have provided enough information. Thank you very much for your help and your continued service. Please have a good day!

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 11-05-2015 about Payday loan () with GVA Holdings, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I was recently in a financial crunch and needed to meet a child support obligation etc .... I applied online for a payday loan and was lied to about the way the actual payday loans work. As a result I have had to close my bank account and send a Cease and Desist Letter. I still continue to receive threatening phone calls and harassment of my family members.I have paid over {$600.00} in fees without touching the original principle amount of {$500.00}. I am having to retain an attorney to stop the harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of Equifax 's Breach and upon, reviewing my Credit report I noticed Unauthorized inquiries as well Unknown debt accounts that were removed in the past but have recently been reinserted. I have made several calls to Equifax to try an resolve the issue and I have also contacted them by mail but the Unauthorized inquires and Unknown accounts are still on my report. Equifax have not provided any contract or physically proof of the said debt or inquires belonging to me, nor did they notify me that these would be reinserted on my report. Equifax will not remove the Unauthorized inquries nor Unknown accounts on my report and this is violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: We began searching for a mortgage back in XXXX 2016. We started working with Wells Fargo Home Mortgage and on XXXX we gave them {$530.00} for a home appraisal. While in the process we decided not to proceed with them and canceled the mortgage file. Before the funds were given for the home appraisal, the loan originator, XXXX XXXX, advised me that if we cancel before the appraisal is completed we would be reimbursed that fee. We cancelled the file on XXXX/XXXX/2016. Since we have not received a reason of why our funds have not been reimbursed and we are no longer getting a response. I was informed on XXXX his Manager, XXXX, would take care of the request. Again, no response.

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 11-01-2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (NM).
Issue: Managing the loan or lease

Complaint: I took out a loan on internet with the company CashCall for {$2600.00} in XXXX of XXXX. About a month ago I called to ask for the balance. I was informed that my balance was XXXX and some change and that i had already paid XXXX in interest and it was due to be paid off in XXXX of XXXX. I then told the representative that this was ridiculous especially since i pay them XXXX a month and have so for the last 2 years. I then went on to tell the representative that at the end of the term i would be paying back around XXXX for XXXX that i borrowed. At the beginning of XXXX XXXX i closed my bank account, I feel I have paid this off at least XXXX in a sense and I had always paid with good faith and had always been in good standing with this company up until recently. I am at this time behind for the month of XXXX. I now get numerous phone calls throughout the day as well as several emails. Now my parents are receiving harrassing phone calls asking them for information because they have filed a suit against me. Dont know how they have information to contact my parents. This is only the beginning but feel that this will ruin my credit seeing they report to the Credit Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I believe my loan with Navient has been overcharged and a lot interests has been added, no details at all why balance that big. I get no communication or notification regarding that.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has indicated that the account is set to closed, and it is not. 

This is at least, the 4th complaint regarding the closure of a tradeline in my credit report. 
In complaint XXXX, EQ indicated that the account was closed, but it is not. I believe this is willful violation, because reasonable and then exceptional proof has been supplied to thic CRA - and with no reasonable action taken on their part. 

The activity Designator, still - has the NA value when it should not. This account was closed by me - months ago. 

Another sample of a " Closed '' account, from my report - with the corrrect designator is supplied. 

N/A, means not applicable -For this field, all tradelines that are not open, then requires this field to be applicable. 
My Credit report from Today, XXXX XXXX is attached, as well as the original screen shots from the 1st, 2nd, 3rd and now fourth complaint. 

Please close the account, and please correct the Activity designator to " CLOSED '' - Willfully violate obligations under the FCRA, ( Basic Damages or actual ( provable ) damages ( no limit ), or statutory damages ) Complaint # 4

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing a compliant against Credit Bureau Transunion, on XX/XX/XXXX I  disputed a Fraudulent account on XXXX/ XXXX my credit report ... thru Transunion & XXXX , Transunion sent results back as verified and belonging to me, however XXXX deleted the account. I also sent a debt validation letter to XXXX/ XXXX and receive a letter stating they will be no longer collect on this account, Transunion has not as of XX/XX/XXXX removed/deleted this from my credit report. XXXX/XXXX account # 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 07-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (HI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX by Barclaycard- " Balance subject to interest rate '' " Average Daily Balance '' difficult to calculate, appears intentionally misleading, and results in higher interest charges than should be applicable to the current statement. <P/>On my latest statement for billing period XX/XX/17 - XX/XX/17, I see a total of {$2700.00} for the " Balance subject to interest rate ''. The actual statement balance was only {$2000.00} and this is a significant discrepancy that results in higher interest being owed. I have been unable to determine exactly how Barclaycard calculated this amount, and neither could a manager at their customer service center. I feel this is an unethical methodology of calculating interest since I see simple way for oversight. My solution now will likely be to discontinue my business with them and to voice my experience publicly. <P/>The company uses an " Average Daily Balance '' ( ADB ) to calculate interest, supposedly starting from the last contiguous statement period where the balance was not paid in full. This makes it nearly impossible for the consumer to accurately calculate their interest if they have even a modicum of purchases for the month and especially when this carries over for multiple statement periods. It appears designed to be intentionally confusing and extremely difficult for customers to calculate and verify their charges. <P/>I tried to clarify this issue with the bank through a phone call to their costumer service center and while I did get a manager on the line who made a valiant attempt to calculate my ADB for even one statement however it was impossible to actually go through this statement in any kind of reasonable time frame. She did say they could produce a spreadsheet with each calculation for the ADB but she could only discuss this verbally over the phone and could not share the physical data. Since my ADB for this recent statement period spanned 3 billing periods it was impossible for us to accurately review this data over the phone. Therefore there is no way for me to accurately account for the interest charged by Barclaycard and I feel this is unethical and an abuse of customer trust. A quick internet search of Barclaycard customer experiences further increases my suspicion of this bank 's untrustworthy nature. <P/>Let me also state that when XXXX XXXX XXXX switched to Barclaycard, their online banking service portal for the credit card also shifted by removing pertinent information that had been previously readily available and thus making it feel less transparent and accountable to check on my finances.

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