milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Credit card () with CITIBANK, N.A. (CT).
Issue: APR or interest rate

Complaint: I purchased a TV from best buy in XXXX and my introductory APR recently expired in XXXX of XXXX. I was told by the sales rep and a women from Citbank who handles Best buys credit card that the interest was not compounded at the end of the promotional period. This however was not true, all of the interest is compounded therefore sticking me with a {$1500.00} interest charge on a {$1500.00} purchase. I feel that I was misled by several members of the best buy sales team, and the Citibank agent who handles the best buy credit cards. I was never told that any payments on the account would go towards the highest interest charge. I feel that this is to help consumers but it in fact hurt me because I was unable to pay off the promotional balance in time. I was financially abused by Best buy to get the most money out of me as a consumer. I paid more than the minimum balance through online bill pay so I never really checked the bill and small print. If i was not mislead I surely would have made sure to have the promotional APR paid off in time. Best Buy also reduced my credit limit from {$2200.00} to {$700.00} making me overdrawn therefore dramatically hurting my credit score. This has been an incredible pain effecting my credit as we try to refinance our home. In All Bestbuy citibank has abused me as the consumer effecting my credit score, and making me pay close to 100 % in interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Student loan (Non-federal student loan) with SIMM Associates, Inc. (MD).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have defaulted on a student loan from national collegiate trust which was being paid via XXXX XXXX XXXX XXXX XXXX XXXX refuses to provide me with the contact information for XXXX XXXX XXXX and sent the defaulted loan to SIMM ASSOCIATES. SIMM ASSOCIATES continues to harass me about the defaulted loan demanding I pay the full $ 41K immediately and I have no means. I have requested, via certified mail that the debt be validated and I receive information on the original creditor of the school loan and SIMM ASSOCIATES has failed to do so but continues to call. All I am doing is trying to validate the debt as what SIMM ASSOCIATES is trying to collect on is not what I have in my own personal records. I would also like to settle and work with my original creditor on this issue. SIMM ASSOCIATES continues to use harassing practices while calling me at work, fails to send proper documentation, or says they have sent the proper documentation and I have yet to receive any information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: They got the wrong spelling of my name and wrong address and also wrong phone number the correct information that should apppear on my credit report is my name is  XXXX   XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  maryland   XXXX and  my phone number is  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2018 about Debt collection (I do not know) with Paramount Recovery Systems, L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This account was unauthorized. I am a victim of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Credit card protection / Debt protection

Complaint: I just received a notice from Capital One notifying me that my credit card and personal information were involved in a data breach at a business which I had made a purchase at recently. The letter was informing me that they were canceling my card and re-issuing me a new XXXX as a security precaution. The letter ( and subsequent ) email which I received from them did not name the merchant involved in the data breach. When I called to find out what merchant it was they would not divulge the information and said that they had no way of knowing which merchant it was who had the data breach. Well, that seems a bit illogical considering that they must know which merchant it is if they are aware that said merchant had a data breach and it was a threat to their system ...,

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt firm purchased medical debt for pennies on the dollar, got a judgment, let the account sit dormant until about a year and a half near end of the 10 year statute for a judgment, are trying to garnish my wages. 
I called the firm and asked if I could settle it for a lump sum and they refused, stating they are n't allowed to settle medical debt. I asked why she said, " We do n't write the law so I dont know '' I called the Collection firm who placed it with the Attorney and they also refused to settle, stating they wanted every penny from me. All of this and I find out the hospital wrote the debt off -- {$2000.00} so I 'm assuming the firm paid maybe {$500.00}, and are now forcing me to pay {$5000.00} to them through garnishment without consideration of a lump sump payment of a lesser amount. Where is the CFPB when you need them???

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: Hello, Last year around XXXX I requested a due date change. The first attempt was unsuccessful, and prior to the second attempt Toyota asked that I bring my account current, so I did. A Toyota representative said the due date was completed, so I started making my payments accordingly. It was n't until mid 2016 I saw that I had 3 late payment markers. I immediately called Toyota and their resolution specialist walked me through every payment from the beginning. We found out that Toyota failed to mention that the due date change did n't take effect. So I wrote Toyota twice. They denied me twice. Toyota does n't have a number to call to talk about your claim. I 've tried explaining what happen in a letter and again they denied me twice. And because they did n't tell me the due date change did n't take effect, I do n't have access to their personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have been attempting to work  with Amazon ( Synchrony ) Store Card fo r over a year now. I have called multiple times to discuss misleading advertising regarding their advertised percentage off purchase through them, predatory late fee s ( which they enact one s econd past  XXXX   XXXX  EST on due date ), rude, unhelpful, or non-understandable customer service, and refusal to transfer me to the right department to resolve my issues. When I tried to work out a payment plan when they refused to drop a false late fee, I agreed to the plan as long as they could guarantee that they would stop reporting to the credit bureaus as I was truly attempting to pay off my small debt. They have said, in all instances, " there is nothing we can do '' as well as " we will continue to report even if you make your agreed payments on the hardship plan. '' The most notable issue started when I could n't pay them when I tried because their web server glitched   for two months in a row in 2016. Their main attitude is that they simply do not want to work with their customers or provide customer satisfaction.
Note : I have contacted   XXXX   as well, and this complaint in no way reflects   XXXX   's excellent customer experience. Synchrony bank on my other accounts with other companies has also been easy to deal with as far as payments, truthful advertising, and friendly and helpful customer service. The Amazon Synchrony Store Card is engaging in predatory lending and misleading advertising.

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 05/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2015 I was induced in opening a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX Miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX Miles to be deposited into my account by the XXXX XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited in XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting the XXXX XXXX Miles. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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 06/15/2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (NJ).
Issue: Managing the loan or lease

Complaint: a debt collector from consumer portfolio ( cps ) called me, I hung up on him telling him it was a bad time too talk I was driving, he called me right back, again I told him it was a bad time and hung up again. he called me again, I said it is a very bad time I am going too hang up, and I did, he called me again, XXXX times in a row. I asked to talk too a manager, this collector told me no manager was working and he hu. I stopped at a rest area on the pa turnpick and called back, talk too a working manager. she told she would have too listen too the tapes of the call. I asked when I could call back? she sd in a few days. so I did, XXXX months later after a lot of call back and leaving messages I talk with the manager as no one else could help me but her. she sdaid tha she could not hear me well now, so I asked why did the collector call me back XXXX times w/ a XXXX mints, why did the collector tell me there was no manager working, how is he allowed too do this.. she sd she could not hear me ... so I asked again, she told me collectors arellowed too call as many times as they feel they have too, and they do not have too follow the fdcpa because they are XXXX party. it does not apply too XXXX party collections, then she asked who is my atty, that was all she care about.. I asked her too clear this up ... just too make sure, her collector called me XXXX times in a row after I hung up. I asked for a manager and the collector refused too give me XXXX, and he is allowed too do this, she said yes. the laws do not apply too XXXX party

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Private student loan) with SLM CORPORATION (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My daughter recently,   XX/XX/XXXX  , received an email that said she owed a payment of {$640.00}. She had been in school up until  XXXX    XXXX  , and thought that she had a 6 month grace period to begin payment.  Sallie Mae s aid that she had already used her 6 month period at an earlier date, when she left school, for medical reasons, and then returned. I was under the assumption that payments would not start until 6 months after  XXXX    XXXX  , when her semester ended. I had no idea that there was only 1 grace period allowed and would like to know if that is true, and if so would like to see where it states. This was also the first time that she had seen a email from  Sallie Mae  since  XXXX . She and I went back through all deleted emails and current inbox. We then went to the spam email and there were three other emails in there from  Sallie Mae . If they sent them, and obviously they did, the emails went to spam email. I have also, back in  XXXX , sent a letter to the attorney generals office of NY because of this company not putting payments on the proper loans, and over charging on fees, not allowing me to speak to a manager, rude customer service to young adults, and not helping in any way to avoid default ; saying they had no other options available to her for repayment. Because of this investigation SallieMae had to go back into her accounts and make several changes to my account so forgive me if I dont have the confidence in this company. This company also never, ever, even responded to the sample letter that my daughter sent them from your website. But they did want to know where I got it from though. I want to consolidate these loans, and get rid of  Sallie Mae , but now I think she will have to be up to date on payments with them, but since I thought there was a 6 month grace period, and cant possibly get that amount of money together within the next month ; now wont be able to consolidate either. I honestly still thought I was in a 6 month grace period, that was never ever clearly explained, and as I mentioned would like to see it. Other loans that she has with  XXXX   XXXX  do n't operate that way. And then not receiving the emails or any correspondence through the mail ; she never knew she was falling behind. Why would n't  Sallie Mae , after falling behind, after two months, send correspondence through the mail. It was made very clear in my letter to the Attorney  Generals Office  that I did not want anymore contact with them over the phone because of how rude and condescending they were on the phone. That i preferred email or " snailmail ''. Thoughts and suggestions greatly appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: My identity was put at risk to due to equifax recent breach.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (I do not know) with Premier Recovery Group (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Premier Recovery Group has been contacting me without properly displaying their company name and phone number on my caller ID. Most recently, XXXX XXXX, 2015. They also failed to identify the company 's name and spoke faster to the point I could not understand.

Company response to consumer: Closed
Consumer complaint received 05/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (ND).
Issue: Delinquent account

Complaint: When I arrived in XXXX in XX/XX/XXXX, in order to build a credit history, I opened a prepaid credit card with XXXX bank for an amount XXXX {$.00} In XX/XX/XXXX Orchard bank card was taken over by Capital One and they started charging an annual fees, which I did not realize at that time. Since I had other credit cards by now, I was not using the Capital One ( previously XXXX Bank card ). Then I got a phone call from Capital One saying that I had a pending balance, I was surprised since I had not used the card in many months. When I called the Capital One, their representative checked the data base and told me that there was no due balance and that the call must have been a mistake. Then after some days I was informed by XXXX of the credit monitoring companies that my credit score had changed due to a negative comment. When I dug deeper I found that Capital One had posted a late comment. I contacted the Capital One and the new representative this time informed me that I owed XXXX {$.00} which was basically the annual fees. When I told her about my recent conversation with XXXX of the other representatives, and the fact that she had denied any pending dues that time. This new representative apologized for the mistake and assured me that the negative comment would be removed. But nothing has been done so far, and it continues to affect my credit score. I am finding it difficult to get good terms for home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (KY).
Issue: Problems caused by my funds being low

Complaint: The subject of the dispute is inappropriate NSF charges by the bank, and the failure of the bank to respond to communications. After failing to resolve the issue while the account was active, the bank closed the account in write off status. After communicating with others in the Executive Resolution Team I was directed to a manager named XXXX who placed a single call to me on XX/XX/XXXX and left a message. I subsequently returned that call to the Customer Service area extension XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, leaving all relevant information at the time and requesting both contact via email and contact via telephone. To date, I have never received any calls, emails or even written correspondence in regard to this problem. My offer to settle has been ignored, and I can not get anyone with the authority to discuss the matter to talk to 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 01/31/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Date XX/XX/XXXX between XXXX XXXX  and XXXX XXXX  - Used the outdoor Capital One Branch ATM machine located at XXXX XXXX XXXX XXXX NY XXXX -- to deposit {$500.00} dollars in cash ... The cash was accepted by the ATM no receipt was given, the card was returned by the machine, however the funds of {$500.00} did not go into my account ... Returned to the ATM to find out what happened and the number to call for instances like this.. Spoke to a rep for Capital One got funds Provisionally ... Filed a dispute ... 
On XX/XX/XXXX Capital One said there was no error and when I deposited my paycheck on XX/XX/XXXX they took my {$500.00} back from my checking account essentially taking my paycheck in whole ... I spoke to the rep inside the Branch named XXXX XXXX.. She took my complaint.. I also called Capital One back to dispute the judgement call and was told their decision maybe final and I might not be able to get my money back .. They'll let me know in 45 days after they re-investigate my dispute ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: I have been actively using my XXXX XXXX XXXX XXXX prepaid debit card over a year. I have my payroll direct deposited in to this account. I use the card to make purchases at XXXX, other merchants, withdrawal cash, ect. 

I have made several calls to the XXXX XXXX XXXX XXXX prepaid debit card customer service department. I expressed my concerns that I am being cheated of my rewards I should be receiving from this card. I have had nearly {$15000.00} deposited in total in to this prepaid card the past year. 

I understand that cash withdrawals are not considered eligible purchases to earn points. Nearly half of the {$15000.00} was spent where visa is accepted on eligible purchase. 

XXXX XXXX XXXX XXXX prepaid debit card Customer service continues to lie to me over the phone, break promisses this issue would be corrected, and a member of management would correct the issue. 

I continue to wait for my XXXX XXXX XXXX XXXX   prepaid debit card rewards. 

I HAVE NOT RECEIVED any rewards at all the entire year. XXXX XXXX XXXX XXXX prepaid debit card Is called, XXXX XXXX XXXX XXXX prepaid debit card Why is called a reward card when they continue to cheat, lie, and take no urgency to fix the issue. 

I should have earned nearly {$180.00} in rewards in total the past year. No rewards have been given to me I will proceed with legal representation if XXXX XXXX XXXX XXXX prepaid debit card does not correct the problem and apply the reward money to my account.

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