milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ford motor credit is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Rewards

Complaint: On XXXX XXXX, 2016, I applied and was approved for ( at a later date ) a Chase XXXX MileagePlus Explorer credit card. The terms of this offer included XXXX XXXX miles for spending {$2000.00} within the first 3 months of account opening. On XXXX XXXX, I noticed through a Chase portal that I was actually targeted for an offer that included XXXX miles for spending {$3000.00} within the first three months of account opening. That same day, I sent Chase a secure message requesting, as a courtesy, that they match they match me to the better offer that I was also targeted for. On XXXX XXXX, I received a response, including the following text : " We are happy to match the new bonus offer. Please reply to this email when you have spent {$3000.00} in the first three months your account is open so we can manually add the additional XXXX bonus miles to your account. '' Note that they required that I spend {$3000.00} to receive the extra XXXX miles, {$1000.00} more than my original offer required. 

On XXXX XXXX, I messaged Chase that I had fulfilled the extra {$1000.00} that they required to earn an extra XXXX XXXX miles. I received a response including the following : " Please accept our apology for the incorrect information you received in our previous response to you dated XXXX XXXX, 2016. 

Since you have opened an XXXX card with different terms and conditions prior to receiving the XXXX mile bonus offer, we regret that we are unable to match that offer to your current account. '' After several messages back and forth, Chase Bank refused to honor their offer of XXXX XXXX miles, the terms of which I had already fulfilled. My position is that it is unacceptable to impose additional requirements on a consumer for an additional benefit, and then refuse to provide that benefit when the consumer fulfills the requirements of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Consumer Loan (Installment loan) with Avant Credit Corporation (CA).
Issue: Shopping for a loan or lease

Complaint: I applied for a loan thru Avant just a few weeks ago. I submitted all the details they requested and even called to verify if my application was complete. I was told yes, they had all necessary information, Employer, Income, mailing address. Today I received an e-mail stating they denied my loan because they could not verify my income. How is that possible? My income is obviously needed for a loan. I called and spoke to XXXX who said he would submit my complaint to the complaint department because he can not see the reasons why I was denied and I would hear back in 14 days. I received another e-mail stating that my loan is denied and they have sent me a list of reasons. I have never received any correspondence other than an initial e-mail earlier today. My income is the first thing that was submitted. They never reached out to me in any way to ask about my income. This was just a waste of time, a false company that only runs your credit to make other creditors they work with call me or e-mail me. TOTAL SCAM! Now I have an inquiry in my credit because this company is not legit and their approach is very unprofessional. I do n't want to ever do business and I want that inquiry removed because your claim that my income was unverifiable is a major lie!

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: my identity was stolen, i informed the XXXX XXXX XXXX, but they insisted i paid off the balance and they would remove it from my credit report, i t turns out i paid and they refused to remove it.. i should not be asked to pay for something i am not responsible. i was intimidated and put under pressure to pay this off but i am not responsible

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Other

Complaint: This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Secured line of credit opened for {$200.00}. {$99.00} deposit was required and paid. Account was blocked and flagged for fraud due to deposit coming from bank account that did not belong to account holder but was authorized. Capital one requested identification, bank statements. Identification was provided and bank statements verifying account ownership was verified. Capital one further requested social security card ; due to extingent circumstances and time constraints a social security card was not obtained and account holder requested the account to be closed. Capital one closed the account ; however there is a credit/refund balance due. Capital one issued a refund payment ; however account holder has since moved and refund payment was returned. Capital one is refusing to update address and has further more requested ssa card, utility bill, and bank statement for account holder! It 's absolutely ridiculous. Account holder only wants to receive balanced owed to them, Capital One has suffered no loss and there is no risk.Account holder has been 100 % cooperative with Capital One ; however Capital One is being egregious with their assumptions of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On approximately XXXX I began a two ( 2 ) year security contract with : XXXX XXXX XXXX XXXX XXXX, TX XXXX. When I tried to cancel my contract my contract in XXXX XXXX, I was informed by XXXX That I could not cancel my contract because it was self-renewing. I disagreed with their claim and requested to speak with the cancellation department which informed that I had another extra year to go prior of allowing me to cancel the contract. For several months I attempted to cancel my contract and I offered them a total payment of {$220.00} which was the amount that I owed until XXXX XXXX. My offered was rejected and they will not accept the payment neither they would cancel the contract. I did not receive any notification from the collecting agency. I noticed this irregularity when I ran my credit report via a free app called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I was denied a card when should of gotten approved. The lady at capital one told me on the phone that I should get approved and they do n't do a hard credit check

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I called the national credit report request number to obtain my free credit reports for this year because I am suspicious of fraudulent activity. I requested for all 3 reports and it has been almost 2 months since then and I still havent received them. Im concerned someone is using my information and just need to check my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Using a debit or ATM card

Complaint: To Whom It May Concern, Citizens Bank has frozen my joint account with my XXXX parents ( XX/XX/XXXX.-XX/XX/2016 ), without any notification or explanation!! Got so humiliated when my debit card did n't work, for the first time in my life! Eventually they forced me in to closing it ...!!!?? 
I have talked to many people from the bank but nobody is telling me what happened and why? 
They did mention something about being born in XXXX ( XXXX, which was decades ago!! )!? But that 's it! I still have other accounts with them, is it gon na happen to those as well? XXXX XXXX XXXX did it to me before! So tired of being treated like a criminal .I am a U.S. citizen and been in the U.S. for almost 20 years, preschool teacher mother of XXXX living my life peacefully, just want to know what is it that I have done to be discriminated against like this! 
XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been applying for the Teacher forgiveness loan for 5 years as of today. I have been XXXX 9 years and just began XXXX for the 10th year. I keep getting denied because I am not at a XXXX school. I have explained over and over that I ca n't help where the district places me. This year my family had to move to a new city which means a new district for me and I am the only XXXX ( for students ages XXXX-XXXX with XXXX ) in the district. As this is a brand new program in the district. I was placed on a campus due to the campuses size unfortunately I am not a XXXX school but I will receive XXXX XXXX school. I have explained it over and over but to this date they are not working with me or letting me qualify for a Teacher Loan Forgiveness program. Instead they keep informing me to apply for the Public Service Loan Forgiveness plan which I did XX/XX/2013. My payments are not being reflected as it shows that I owe them more than the original amount that I transferred over. I pay XXXX a month and my balance seems to continue to increase rather than decrease. It appears that my interest rate keeps going up and down. I am just at a loss why my principal continues to increase and why my loans are not being forgiven as I am a XXXX and XXXX students have been and will continue to be in XXXX. I work extremely hard in a very demanding field and I feel like there has to be something that they can do to do right by me and the work that I LOVE to do daily. I have been paying my loans for over 10 years I should qualify for all of my loans being forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Billing disputes

Complaint: I had a Amazon Chase Visa credit card for purchases I made on XXXX. I changed banks and set up my bill pay on a new system. Amazon XXXX said I was late and charged me a late fee. I checked with my bill pay and it showed the payment had been received on the same day it was due and the same day I was charged a late fee. Amazon XXXX did credit back that late fee. The next month I was one day late. I had informed the credit card my newness to my new bill pay but irregardless I was charged a late fee. Because this card had no grace period what so ever and did not take into account my high credit rating or good customer history I decided to pay off the credit card and stop using it. So I paid the credit card off before it was due that next month. With a XXXX balance I had an item to return and that left a credit on my account. I requested that credit so that the account would be XXXX and I planned on putting the card away. Then I get a notice that there is another balance on the credit card that it is interest on purchase. So I contacted them and was told that it was interest from the following month. I could not believe it, the charge did not show up until the very day I asked for the credit balance to be issued to me. They would not take the charge away so I once again paid that balance and now closed the card. I can not believe how they can charge you on a XXXX balance account. I plan to also write Amazon about their endorsement of this credit card. Ive had many credit cards, I have excellent credit and never had as much trouble with any other credit card especially about charges if I pay the balance off. They have no grace period and charge the late fees on the due date and charge a delayed interest on XXXX balance accounts. This just isnt right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I would like for someone to review my modification documents for two reasons. 1. I do not believe I received a fair mortgage modification due to the amounts being deferred and calculated and 2. They are requesting amounts outside of my modification agreement. 

My loan servicer has recently changed from XXXX XXXX XXXX to Shellpoint Mortgage and {$2500.00} is now appearing on my monthly statement as being past due. When I asked what is this amount, I am being told by the servicer, it is advanced corporate fees. 

I have enclosed a copy of my modification agreement and I do not see that amount in it. I have a previous complaint you can refer to for additional information. My complaint number is # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, CA XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CBNA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, CA 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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been reaching out to the Bureau to remove this issue on my credit report since XXXX XXXX, XXXX on several different occasions up until now XXXX XXXX, XXXX. The debt was paid and taken care of. XXXX XXXX/ XXXX XXXX XXXX promised me that account will be removed and deleted from credit reporting in favor to me paying amount. The negative account is affecting my score and causing hardship on my journey to purchasing a new home for my family.

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 07-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was denied credit and I pulled my credit reports to find that I had 3 accounts in collections that appeared to be identity theft. I filed an identity theft claim and immediately began contacting the 3 collection agencies. The first two did not give me any run around regarding the affidavits however, Enhanced Recovery ( ERC XXXX first told me my wife that they would be deleting the account but on the XXXX of XXXX, my wife contacted them to get their affidavit sent again. She spoke with XXXX XXXX and he said the account would not be deleted and that she would have to file the affidavit. It is now the XXXX of XXXX and still no affidavit. My financial counselor called ERCand spoke with XXXX XXXX and he refused to send the affidavit out via email or fax. He said he would resend the affidavit via mail. 

I am trying to purchase a home and this incorrect collection account is standing in the way. 

The ERC account number is XXXX. The original lender is XXXX XXXX number of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Over and over, Nationstar Mortgage fails to send me a monthly bill for my mortgage.  I repeatedly asked them by phone to send me a bill, and sometimes I will get a bill, but usually no bill will come. I think they intentionally want me to forget to make my monthly payment so they can collect the late fee.
Considering the how many times I have called them to ask for a bill and they have assured me one would be sent immediately but it never comes, it must be intentional.
I realize that it is my obligation to keep up with when a payment is due and I generally do, but it is also their obligation to bill me which they have repeatedly and flagrantly refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with PNC Bank N.A. (AL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: My complaint being filed is agai nst PNC Bank. I have been receiving documents for over one year that belong to another person that lived at my current address three years ago. I have called and written PNC Bank to delete my address from this person 's account, but can not get any response fr om them.     On  XXXX   XXXX   2017 , I received a letter from a collection agency,  XXXX   XXXX   XXXX , in regard to this person 's account with the bank . PNC Ba nk gave the collection agency MY address and therefore, I am now receiving letters fro m PNC  Bank and  XXXX   XXXX   XXXX  in regard to an account that does not belong to me.     Documentation is attached to my complaint. I am tired of being harassed by PNC Bank and now they have shared my personal address with a collection agency, that is also harassing me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: In a letter written on XXXX XXXX, 2012, I requested that Real Time Resolutions, Inc. inform me of the name, address and phone number of the owner of my loan as they are legally obligated to do. I also demanded to to see the original mortgage note proving ownership over my home equity loan additionally, I asked for Real Time to provide me with evidence of your firm being contractually retained to service my loan. I made several attempts to obtain the information that I requested and Real Time refused to respond to my requests in an affirmative manner within 10 days as required by Section 1463 ( a ) of the Dodd-Frank Financial Reform Act. 

Furthermore, in violation of RESPA, Real Time has continued to report negative credit information to the credit bureaus during this period of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Medical) with Sherloq Group, Inc (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: this debt is 10 years old and i believe it is being passed from one collection agency to another so that it stays on my credit report. I feel this unfair and this account should be removed from my credit report.

Company response to consumer: Closed with explanation