milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2016 about Payday loan () with National Principal Group, LLC (KY).
Issue: Charged fees or interest I didn't expect

Complaint: I am an XXXX for a debt collections law firm, I know the FDCPA and FCRA to a T. This company has called my brother who is XXXX, my father, my sister, my mother and myself. The first time they ever contacted me was XXXX XXXX. I was told the debt originated in XXXX iao {$600.00} through a payday loan online service. I have never taken out a payday loan in my life. And in XXXX, I was XXXX. I think I would 've remembered {$600.00} dropping into my account. They stated that they did n't have to send me validation because they are a 'mediation ' company and that they were going to pursue suit for the debt. My father LITERALLY had to call and harass them over and over for 2 hours before they agreed to take our numbers out of their system, because the collector told him he would n't stop calling us and that he did n't have to stop! And not before they cursed him out calling him an XXXX among other things. I have n't received any calls until today - XXXX/XXXX/XXXX. I received a voicemail from XXXX, threatening to call any other references I may have provided so I called back not knowing it was the same company. Today, the story was that the debt originated in XXXX at an in store payday loan provider ( I would 've been XXXX ) and it is for {$300.00} from an in store payday loan provider company called XXXX XXXX. I have not received validation, and if this debt is valid, I will file a police report for fraud. However, if this harassment continues I will get an attorney - XXXX. I spoke with XXXX today, and they did not verify any information ( which is required for consumer protection ) and GAVE ME MY OWN SSN! I have googled the number and the situation, and many others have deemed this as a scam. I want them stopped TODAY!! I have never received any phone calls from so called XXXX XXXX XXXX advising I had this debt, never received letters - if they 're so great at locating my entire family you 'd think I would 've received one phone call? Funny how that works. When XXXX realized I knew what I was talking about, he immediately said he 'd put a hold on the account and that I would n't receive any more phone calls. If this debt is valid they 're going to have to sue me to get their money because I 'll get that dropped and file a counterclaim against them for violation of the FDCPA and they 'll have to pay me 10X more than the mere {$300.00} they say I owe. I do not owe this debt - and this is a scam. Good luck NP Group, not getting one over one me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 06-02-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NC).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account for at least 2 consecutive months, and making at least {$1000.00} in total debit card purchases. 

After enrolling with the promotion code, I contacted Citi to confirm that they had my XXXX XXXX XXXX number ( XXXX ) and I also received confirmation that the XXXX bonus XXXX XXXX AAdvantage miles offer was successfully attached to my account. 

During XXXX of, 2016, I confirmed with Citi that I had successfully fulfilled all of the terms of the offer and to expect my bonus miles on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

Citi is now stating that they require the original bonus insert, which would have been sent out 6-8 months ago. It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, since Citi customer service confirmed to me that I was enrolled in the offer Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

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 06-01-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is showing XXXX inquiries which are not mine on my Experian credit report They refuse to remove these incorrect entries and are in violation of the credit laws

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 11-10-2017 about Student loan (Private student loan) with Social Finance, Inc. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am currently in XXXX school and have had a lot of trouble dealing with my servicing company ( Sofi/XXXX ) regarding the details of my deferment. I called them multiple times over the summer to go through the approval process and no one at any point in time told me that I would have to reapply every three months. My account was just auto-debited the full monthly payment. I 'm currently on the phone with them now disputing this charge. They are an awful company that has seemingly purposefully withheld information about how my in school deferment would work. I was also not told that I would have to make interest payments while in school.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My credit cards with Bank of America have repeatedly been cancelled because BoA " was recently notified that information from some credit cards may have been compromised at an undisclosed merchant or service provider. '' BoA has refused my requests to identify the merchant or provider so I can stop doing business with those who do not adequately guard credit card information. BoA reissues me a new card with a new number and indicates I 'm not liable for any fraudulent use of the canceled card. Nevertheless, it 's a nuisance and has happened XXXX in just the last five months. As a consumer, I 'm being denied information that would allow me to choose not to do business with merchants and providers who fail to take adequate measures to protect my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I got XXXX true XXXX and they offer 0 % rate for 6 months Card vas open on XX/XX/XXXX and  transaction vas posted on XX/XX/XXXX XXXX start to charge interest right away, talk to customer service few times and they sims don't care

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 01/22/2017 about Student loan (Federal student loan servicing) with National Recoveries, Inc. (AR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX XXXX closed down for false practices, misleading their students, and making false promises with helping find a job in the industry after you graduate. XXXX XXXX was a for profit college. Six months after graduating, XXXX XXXX began calling me and asking for {$800.00} and to begin repaying my student loans. There was no way I could afford that and make my rent payments. I began to struggle with these payments and began looking for alternative options. I ended up consolidating my student loans, so that I can afford to make my monthly payments. After that, I began to get calls from XXXX XXXX and the agents would refuse to lower my monthly payment and advised me to get a " Better '' job, so that I can meet these payments. I believe this conversation along with all conversations are recorded. XXXX XXXX called my parents, due to them being Co-signers of my student loans and harassed them. They would continuously call my parents at all hours of the day to harass them for payments. One agent even told my parents, if they did n't make a payment, they could take away their house. Obviously, my parents got scared and my mother called me crying that day. 
When it became XXXX, I then setup an auto pay with them. They had agreed to a semi reasonable monthly payment - around $ XXXX ( do n't really recall ). Then one month they took more money from my account ( around {$800.00} ) leaving me to scatter around to make my rent payment. Since then, I could no longer trust them and cancelled my auto-payment. 
My student loans have crippled my credit and I was even denied when applying for an Apartment. I do n't qualify to purchase a house because of my crippled credit, therefore living in an apartment is my only option. However, it makes it difficult to even do that due to my student loans ruining my credit. I have proven documentation of being denied because of my student loans, they show as a " Debt '' not as a student loan. At this time, they are garnishing my wages and I am currently in a rehabilitation program in which consists of giving them an extra {$270.00}. My students loans were with XXXX XXXX, which later became XXXX. I 'm am not sure of the exact details, however XXXX sold my student loans to National Recoveries Inc. 
Overall I am giving them around {$500.00} per month, in which I can not afford, however I am making it work and cutting my budget to make ends meet. With all these late/accrued interests, I will forever be paying these loans. It does n't seem fair at all.

Company response to consumer: Closed
Consumer complaint received 02-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: APR or interest rate

Complaint: when Macys changed their billing info to a different bank, they changed m account numbers, moved purchases bought on Macys Am Ex with a 16 % APR to Macys Store with a 25 % APR without telling me. They also shut me out of my account on line and as such after 8 months of phone calls could not get them to send paper statements. I paid each month by phone w/ no idea of what was in the billing. I was unable to return items in this period as they had changed the account numbers the billing and original receipts did not match, Many calls to customer svc then many emails to CEO XXXX XXXX, a XXXX called and got me on the web site and arranged for me to return the items had been unreturnable for more than 10 months. But XXXX went on vacation and after returning items ( with much hassle ) we demanded interest adjustments. XXXX denied claiming the interest charged paid on items never worn with tags pristine was rent for the item - ie one return had cost {$55.00} in XXXX and by the return time interest had accrued on it for an addition of {$250.00}. That 's just one of the items returned. We debated with XXXX who then accused my mother and self of having " taken '' stolen the items we were returning. We have the original receipts - and they Macys Am ex number charged on does not match the new account number Macys gave us to increase the interest 9 %! Even sending proof in email they refuse to deal with the real issues - Changing account numbers! Moving the XXXX to store account to increase interest from 16.9 to 25.8 % which elicited Macys XXXX of dollars in interest, Calling us thieves and slandering us, failure to credit interest adjustments, and when we placed the account inn dispute continue to charge interest.

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 05-02-2017 about Debt collection (Other debt) with ProCollect, Inc (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband and I rented an apartment in  XXXX , Louisiana at  XXXX   XXXX  Apartments. Due to some critical health issues we had to move and relocate. We had a bill of {$490.00} which were n't able to pay right away. Upon checking our credit reports we notice they were reporting the {$490.00} and another unknown charge of {$750.00} to our credit reports. I contacted   XXXX   and their management company  XXXX  and spoke with their offices who confirmed they received the money I even received an email through  XXXX  from  XXXX  of the former  manager  admitting she received the  pai  balance, and I was told to contact the collection agency. I contacted the collections agency PRO COLLECT and told them I did pay the balance to  XXXX  and had the proof, the  manager  and representatives I have spoken to their have been rude and disrespectful. I explained to them I am currently ill and awaiting a  XXXX   XXXX  and I wanted to resolve the situation, I asked if there was a certain kind of documentation they needed and they responded with screaming pay the money. I have provided letters from the bank copies of check, money order slip and a printed receipt with their header confirming the apartment complex received the money. I EVEN HAVE A LETTER FROM THEIR BANK!!!!! And they still refuse to delete this negative account from my credit report. Please help me, the stress is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and Trans Union of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to one of the theft incidents ; XXXX County has made XXXX arrest. The XXXX County Police Department has advised me to contact the social security administration, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are : Inquiries : XXXX, XXXX, Account Numbers and Agency ( s ) : XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: I received an offer from Delta XXXX for a Delta SkyMiles American Express credit card. The email stated : " The time has come to plan your next big adventure. Apply now and you can earn XXXX bonus miles after you make {$1000.00} in purchases on your new Card within your first 3 months '' I signed up for the card, and spent {$1300.00} in the first three months ( see attached credit card statement ). However, after several months, I realized that I had not been credited these points. I called Delta to explain that I had received an email stating the offer, and they forwarded me to American Express. American Express then informed me that they had changed the offer to {$2000.00} in the first three months, unbeknownst to me, and that since I had spent only {$1300.00} I was not eligible for any points. They asked me to FAX in the original email I received and they assured me that they would follow up. I never received a follow up. 
So I called again in a couple weeks and went through the same explanation, which took about XXXX2 hours of my time. The supervisor assured me they would follow up. Nothing. They also gave me an email account with which to send my original email offer. I never heard back but did receive notification that the email went through. 
I followed up again in a few weeks and spoke to another supervisor, who informed me that the marketing department rejected my request for the XXXX points that I had been promised in the original email, still stating that the offer was for {$2000.00} in spend in the first three months ( despite the offer in the email - I have attached to this complaint ). 
I cancelled the credit card out of frustration. 
Please help me do whatever I can to rectify this situation regarding the fraudulent and misleading email I received. 

This has resulted in a loss of {$500.00} worth of airline miles to me directly, in addition to 5 hours of time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a delinquent debt with XXXX. My account is now with LVNV, Resurgent, XXXX- these are all it 's name. My problem is not that I owe the money. My problem is that I do not have sufficient enough information to pay the bill online. I received a letter on XX/XX/XXXX. I called today to receive another letter in the mail to confirm that they still have my account. The CSR was polite and said they would send out another letter. The problem is that the CSR gave me another number for my account ID and another account number. I was told that these were the correct numbers. I went to the website to see about making a payment and the website tells me that these numbers are not valid. The account number and account ID numbers are not correct on the letter from XX/XX/XXXX either. I do not understand how I am supposed to pay this bill, when I can not access it online. I keep receiving incorrect information. The company has reported me as of XX/XX/XXXX. My credit score has taken a serious blow. It dropped from XXXX to XXXX. I really want to fix this problem and my credit score. Please help me or direct me to someone who can.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was late verifying income, so my payment shot up by a factor of XXXX. That means FedLoan grabbed almost {$3000.00} out of my checking account, and by the time I found out what was wrong and reverified my income, another {$2900.00} payment had posted. They are now demanding that, even though it was due to a paperwork issue and even though I am making current payments. When I try to get help with the issue, they give me the runaround. This is the worst operation on the face of the earth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with Smith, Rouchon & Associates, Inc. (MS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My debt was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: APR or interest rate

Complaint: I have been a card holder of American Express since XXXX. I owned my own business until XXXX. American Express had a product for small business it was an open line of credit. Mine was {$65000.00}. I would borrow and pay back, borrow, pay back etc. When the great recession hit my line was suspended ( through no fault of my own, I personally had a FICO score of XXXX and paid faithfully ). This left my business in a lurch, but I 've managed to pay off almost the full {$42000.00} balance over the years. My problem now is I am down to a current balance of {$2200.00} because of late fees and a 25 % percent " penalty interest ''. I requested American Express settle the account with a payment from me for {$1300.00}. They said they do not settle with people. Also AMEX said I would have to pay {$440.00} before they could even begin to reconsider lowering the interest charge. Is n't ' this extortion? AMEX became a bank so they could borrow Federal Tax Payer dollars at Zero % interest and bail themselves out. WHERE IS MY BAIL OUT?

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have sent a dispute letter to this third party collection agency Phoenix twice, once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and they have yet to respond to me. I paid this medical bill in the amount of {$200.00} way before it was sent to there office for collections. I sent them documentation supporting my payment and have yet to receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Application, originator, mortgage broker

Complaint: this is on case Case number : XXXX disputed and sent several documents justifying my case and I should be refunded my deposits due to 5th 3rd bank lack of ability in underwriting a file. 
Thank youXXXX XXXX

Company response to consumer: Closed with explanation