milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On  XXXX ,  XXXX ,  XXXX  and  XXXX / XXXX / 2017 , credit card purchases were m ade at Home Depot.  The  XXXX  purchases were, without the approval or desire of the cardholder, entered into a " Promotional Purchase '' scheme whereby no interest would be charged as long as the balances were paid off by the date indicated. The problem with this scheme, in addition to being unwanted by the cardholder, is that it is not possible to pay off a particular balance, even when you send the specific amount as they break up the payment between the promotional balance and the revolving balance, or apply the amount solely to the revolving balance, which then triggers the accumulated interest. The only way to avoid the deferred interest charges is to pay the ENTIRE balance before any of the promotional balances come due because of the way they randomly split up your payment. They told me when I called that it is mandatory on all purchases over {$290.00}, yet  XXXX  purchase  (   XXXX / XXXX / 2017   ) was only for {$100.00}. When I tried their " Contact Us '' feature on their webpage, their response  sends you to the card issuer, not the retailer. This seems to me to be a retailer imposed policy not Citibank. Additionally, they  ( Home Depot )  mail me " coupons '' on a regular basis to REQUEST this promotional balance offer on large purchases. So it sounds like I can use the coupon or not, yet in practice, they force the product on you in hopes that you fail to satisfy 100 % of the outstanding promotional balance, that you can not control how your payment is applied.

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 04/20/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX  had a special on a  NEW  phone which was supposed to have uninterrupte d GPS Service an d a low price. This feature hardly if ever worked and always lost the signal on the phones. The GPS did not work as stated in advertising, the phones were returned to original Purchase place and account should have been closed, as this was all done within 30 days. Also the original date of this purchase and return is over 7 years and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, I was made aware that a security breach in Equifax 's system ultimately could have leaked my bank and credit card information as well as my SSN. As someone who 's been working to improve her credit and maintain a decent living, this has been very scary to learn about. I had personally never used Equifax 's website or services on my own, but employers/companies could have gone through them to pull my credit, leaving me at risk. I was also made aware that Equifax had been aware of this leak since late XXXX and did not alert anyone immediately. In order to attempt to protect myself, I am working to freeze my credit, keep up with my credit reports, and monitor my bank/credit cards with even more scrutiny than normal. That being said, due to everyone also trying to do this, accessing freezes from all the major bureaus has been a challenge as well as trying to pull credit reports with hundreds of thousands of people also trying to do this. I 'm very frightened as well as angry, and hope some sort of resolution can come from this albeit I have no idea what that could possibly be. It 's also been reported that the hackers plan to sell the information, meaning we 're all at risk for years to come, which makes it difficult to go about life normally.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Billing disputes

Complaint: Capital One is requesting a high minimum payment of XXXX, the account is past due and has been, which I understand. However, this amount is too much to pay and is more than my weekly paycheck, it will have to be lowered. I did attempt to have this amount lowered by speaking with numerous reps, all were in the collections dept. They are more interested in making a payment arrangement than actually lowering amount due, an arrangement is just to get some payment out of me regardless if any additional fees or assessed. Please advise them payment amount will have to be lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account pursuant to a CitiBank offer that promised a bonus award of XXXX XXXX Aadvantage points provided I made a certain amount of online bill pay payments debit card uses within a two month time period. A copy of the offer is attached. I do not recall where I received the offer, whether through CitiBank ( I am an existing credit card customer ) or other place. 

In any event, after opening the account I called CitiBank customer service and confirmed I was enrolled in the bonus offer program. After hearing that other participants in this bonus offer were denied bonuses, I contacted CitiBank again regarding this issue and received an email letter, stating that I was not eligible for the offer. A copy of this letter is attached. 

I signed up using the offer code and was approved by CitiBank, a process that included a credit check from the bank as well as funding the account properly on my part. I have been using the account and have now met the program requirements. 
Nonetheless, CitiBank has denied me the bonus. I believe this accounts to a bait and switch tactic designed to get me open my account, deposit money into the bank and not provide me with a promised reward. 

Can the Consumer Financial Protection Bureau assist me with this complaint so that Citibank provides me the promised XXXX Aadvantage points?

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 05/23/2017 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX  violated their arbitration clause.  XXXX  put an arbitration clause in their contract that they did n't honor and then tries to continue the lawsuit against me after the arbitration was dismissed by  XXXX .     O n   XXXX   XXXX   XXXX   ,  Zwicker & Asscociates PC on  behalf of   XXXX   XXXX   filed a claim in Small Claims Court against me for approximately {$3500.00}. Zwicker & Associates hired local attorneys  XXXX  and  XXXX  to r epresent    XXXX   XXXX  .        XXXX   XXXX   XXXX  ,  I filed a  Motion to compel Arbitration.         XXXX   XXXX   XXXX  ,  the  Court Ruled.  Ruling states, Arbitration filed with   XXXX   ( #  XXXX  ) ; Matter continued indefinitely in order for Arbitration process to complete. Documentation attached.      XXXX   XXXX , Counsel for  XXXX  files a request for another hearing on the Motion to Compel Arbitration. Arbitration was ruled and agreed on     XXXX   XXXX   XXXX  .
On or about   XXXX   XXXX   XXXX  , I received a letter fro  m  XXXX  and  XXXX  c/o  XXXX  stating their client  may  be willing to discuss settling the matter at a reduced amount. They states arbitration is " very expensive. ''    XXXX   XXXX   XXXX   ,  XXXX  closed the case. Case terminated because  XXXX  failed to pay and participate in Arbitration.        XXXX   XXXX   XXXX  , a Motion for Joint Stipulation f or Substitution of  Counsel  was filed.  XXXX  and  XXXX  was no longer representing  XXXX  and Zwicker & Associates.     Year Later ,   XXXX   XXXX   XXXX   , Zwicker & Associates files a motion to return case to active docket.   Zwicker & Associates KNOWINGLY FILES A FALSE STATEMENT WITH THE COURT.   Zwicker states, As of  XXXX / XXXX / XXXX , Defendant failed to pay required Arbitration fees, and the case was terminated by the  XXXX   XXXX   (   XXXX  ).     THIS IS COMPLETELY FALSE, PLEASE SEE ATTACH DOCUMENTS FROM  XXXX .   The Plainti ff ( Respondent ) w ho is  XXXX  failed to pay case management fee.   XXXX    sent the counsel for  XXXX  several letters requesting payment but they failed to respond.        XXXX   XXXX   XXXX  , Court dismisses case without prejudice. Judge writes t he following Plaintiff admits to failing to pay arbitration fee causing closure of arbitration process. Def. requests dismissal for failure on plaintiff 's part. Court grants defendant 's request for dismissal. Parties were ordered to arbitration and that has not occurred by no fault of defendant leaving this open on her credit history is unduly prejudicial.        XXXX   XXXX   XXXX  ,  Zwicker & Associates c/o  XXXX  files a motion to vacate dismissal to refile a new arbitration case since the  first one can t be re-opened.     Zwicker & Associates c/o  XXXX  failed to send me a copy of their motion to vacate dismissal, therefore, I was not able to write an opposition to their motion because I was not aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with WESTERN CONTROL SERVICES, INC. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Exhusband was court ordered to pay this debt. I was never notified this debt existed. The collection agency claims they notified and served me but I was not there, did not live there, and did not know this debt turned into a lien on a property I do not own the property and have not since 2013. I called for information and was told he could n't give me any without me first paying the debt in full to remove the lien. He ( XXXX ) is rude and hangs up on me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a copy of the letter that I sent to the credit bureaus on XXXX XXXX, requesting an investigation of erroneous items on my credit report. Obviously, 75 days have passed since this letter was mailed, and the bureaus have not responded to me. They were supposed to respond inside of 30 days. I have also sent follow-up letters regarding this matter, and the follow-up letters have also gone ignored.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
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 a capital one credit card. Harvey hit back in XX/XX/XXXX and at the time after I had to make a new checking account. This card has always been in great standing and is paid on automatic draft. In XX/XX/XXXX I paid over XXXX to the card but forgot that I had to switch my checking account with everything going on with the disaster. capital one ended up saying I missed about even though I paid over {$500.00} XXXX and marked it to my credit. I am asking this be removed due to it affected my score and I have always been on time and # 3 I had already made a {$500.00} payment instead of {$24.00} Thank you for the help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Transunion has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, TransUnion must provide me with a copy of the original contract signed by and obligating me to this debt. If TransUnion can not provide such proof of debt validity, the account must be deleted form my report. TransUnion has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance. 

Account Status XXXX # XXXX Not Validated XXXX XXXX # XXXX Not Validated XXXX  XXXX XXXX XXXX XXXX Not Validated XXXX XXXX XXXX XXXX # XXXX Not Validated XXXX XXXX XXXX # XXXX Not Validated XXXX/XXXX XXXX # XXXX Not Validated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My dispute is in reference to a collection account that has been placed on my  XXXX , Equifax and  XXXX  credit bureau reports.     The account I am disputing is  XXXX   XXXX , a collection account for {$700.00}. ( The original creditor is noted as  XXXX   XXXX   XXXX . ) I have no record of opening any credit card account with  XXXX   XXXX    XXXX  , and am disputing this account as inaccurate/not my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Debt collection (Credit card) with Samuel Whitaker & Associates LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Samuel Whitaker Associates called me numerous times, supposedly collecting for an XXXX account that no longer shows on my credit report. They threatened me with legal action ; that they would come to my home or work with a summons. Supervisor cursed at me over the phone, demanding that I agree to automatic payments from my bank account. She hung up on me. I called back, but they would not answer.

Company response to consumer: Untimely response
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in regards to the computer glitch that was Transunion problem and not mine and caused my inquiries to be deleted. When I reviewed my credit again, I noticed that Transunion added the inquiries back onto my report without giving me the legally required notice 5 days prior to them re-adding the inquiries. I contacted Transunion in good faith asking them to delete the inquiries that, they illegally re-added and they told me I would have to reach out to the different companies who pulled my credit and dispute directly with them. These inquires add hardship and my rights have been violated by Transunion. <P/>Transunion also has my name misspelled and have been asked several times to remove the misspelled names and wrong addresses.

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 03-07-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have a complaint against the current mortgage company who has my loan Nationstar Mortgage. Despite my pleas for help they have not opened up a review of my financial information nor assigned a single point of contact. Instead they have scheduled a sale date of my home for XX/XX/XXXX. Nationstar is the XXXX different bank to hold my loan. I have been trying for a long time to fix this problem of my delinquent payments but every time I seem to be getting some traction the loan gets transferred. I am employed and have owned my house for 11 years and want to save it. This is a conventional loan that I believe is backed by XXXX. I just heard that there were some new programs to help homeowners with conventional XXXX loans and I think I could qualify. My interest rate is 7 % and I have suffered a real hardship the last few years. 

I have worked in construction for over 30 years and had steady employment and money in the bank when I bought my home. Like millions of Americans, I was blindsided by the recession and found myself in and out of work for the next couple of years. I was still making my mortgage payment each month, but the writing was on the wall that it would be difficult to maintain. I reached out to my servicer at the time to apply for help. ( I believe it was XXXX XXXX or XXXX at that time ). They told me that even though I had an obvious financial crisis going on, they would not consider my application unless I was behind on my mortgage loan. So I took their advice and stopped making my payment in order to be considered for mortgage assistance. I started the modification process but within a matter of a few months I was being threatened with foreclosure by the agents at the bank. So I had to scramble and borrow money and do whatever I could to get caught up on the loan. But the problem had not been solved, I was still barely staying afloat. 

I hung on as long as I could but eventually due to the high payment vs. my income and sporadic unemployment I fell behind. I tried to work with all of the companies who held the loan -- XXXX, XXXX, XXXX and every time that it seemed I was making progress the loan would get transferred. I have never been assigned a designated point of contact by Nationstar and have never had a review completed. I deserve to be considered for these new XXXX backed programs, as well as all other government and in house programs that Nationstar has available.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXXEXPERIAN XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (UT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Chex systems has failed to delete inaccurate information of addresses and name information and unauthorized inquires. Additionally submitted a police report to have the XXXX account removed from their system. They have failed to verify the method verification as well. Additionally, XXXX has failed to verify authenticity of the dispute within the time allowed under the FCRA. Thus the removal of this account as well.

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 11/20/2017 about Checking or savings account (Other banking product or service) with M&T BANK CORPORATION (MD).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: On Friday XXXX XXXX, 2017 I received three letters concerning three accounts I have with M & T Bank- that they are going to close all my bank accounts- including a personal credit card, my personal bank account, a company bank account and my 401K retirement account in 30 days and I must take all my accounts to another bank. They have not given me any reason for this and state they will not give me a reason. I have a XXXX credit score and never had a returned charge. Also, the 401K bank account took weeks to set up and I can not switch this account to another bank at this time and possibly not at any time in the future. Some banks do not open accounts like this and it is a very long process to open this type of account. The bank has required me to keep {$5000.00} on deposit for my 401K accounts and I have done that. Why would they not want to keep this account since there is no expense for them to hold and maintain this account? Why do they do this to a very good customer with a very good record and credit score? I can not move these accounts at this time because I am a XXXX for a XXXX XXXX XXXX program and have too much work to do in the last 4 weeks of the session to spend on setting up new accounts with another bank.

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 07-10-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: chase.com website has the option to dispute charges made un-authorized on credit card accounts, it says there that they will close the card and replace it with a new one ... which is not true because I did n't get a replacement and they never close the credit card.

Company response to consumer: Closed with explanation