milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2017 about Credit card () with DISCOVER BANK (TX).
Issue: Rewards

Complaint: Please see the attached statements and support. 

I am formally filing a complaint regarding the XXXX from XX/XX/XXXX. This promotion stated that purchases up to {$10000.00} would be paid back at 10 % for each eligible card. I did not receive credit for these properly for either of my credit cards. Accounts ending in XXXX and XXXX were not credited properly. I have tired numerous times to get the proper credit but the reps said my purchases included gift cards and not eligible. The terms with gift cards were not in the original terms gift cards were not excluded from this promotion and the purchases were made before the terms changed. As per the attached statements, account XXXX was only credited {$200.00} but I made over {$10000.00} in purchases so I am owed an additional {$790.00} on this account per the original terms. 
I opened an additional card account ending in XXXX and according to the statements provided I did not receive any XXXX rewards even though I made the necessary {$10000.00} in purchases using XXXX so I am owed {$1000.00} in rewards related to this promo. In addition, this account was new so it qualified for an additional promo where all purchase cash back would be doubled for a year, so this {$1000.00} credit should be doubled to {$2000.00}. 
This was a very poorly run promotion, and extremely disappointed Discover tried to change the terms after my purchases were made and would not pay out my rightfully earned rewards per the original terms. After Discover refused to pay out my earned rewards, I have begun to think negatively of this company and do n't use the cards as much as others. Please pay my {$2700.00} in rewards for customer satisfaction, as I have been long term holder of a Discover Credit Card since XX/XX/XXXX. Please contact me at XXXX with any questions. I have had other friends that have gotten their cash back and I hope you will consider this complaint seriously so Discover Card will be my card of choice in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have several hard credit inquiries on my credit report I have not approved any agencies to inquire about my credit.Also there are accounts that are over 8-years old that I have asked to be removed and they 're still there and when I request they be removed I am given the run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2017 about Debt collection (Medical) with Aargon Agency, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: An XXXX from argon agency with extension XXXX called me for the first time some time in XX/XX/2016, he brought a bill to my notice for the first time he very rude and spoke in a very deriding manner as though he felt he was communicating with an irresponsible person I felt very belittled after the call but I still went ahead to set up a payment plan that I adhered to, he called me sometimes twice a month and when I let him know that I made a payment already for the month he had a disparage tone again. I went ahead to explain that I would like for us to set up a particular time of the month when he calls me and he called me again earlier than agreed I missed the call, I retuned it when I saw it as always living him a message saying when I expected the call as earlier agreed the XX/XX/XXXX of every month and I get Notification that he went ahead to reput it on my credit even when I have never missed a payment or made a late payment ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: I found a puppy to purchase out of state - XXXX XXXX, Minnesota. The ad was on XXXX. After several conversations/emails/texts with the seller, I decided to purchase the puppy. She said she would handle the shipping. The only thing I needed to do was provide the crate rental fee - {$650.00}. This was through a company called XXXX. 
The shipping company representative contacted me and asked for payment. He then told me that their credit card machine was n't working and that I need to go to MoneyGram and send the money if I wanted the dog shipped. They provided me the form for renting vs purchasing. I chose to rent with 95 % of fund returned when they received the crate. I receive a tracking number that I could place on their site to see where the puppy was. 
The next day, I received another email from XX/XX/XXXX stating that the puppy was at the XXXX XXXX ' airport and that the paperwork for the puppy was insufficient. They needed {$450.00} to get all of the health approval and shots before they would ship to our home. The email also had a threatening Gov. Reg notice on animal abuse saying I could be subject to prison. I was suspicious and checked their website. The site said they made sure that all paperwork for pets were approved before shipping. I asked the XXXX Rep to speak to a supervisor. He hung up on me and I never heard back from them. 
The seller responded to my texts asking us to pay the money and she would pay us back. We told her to pay the money since it was part of the agreement. She said she did n't have the money but was trying to find the money. Then we did n't hear from her. 
I do n't know if this is XXXX big scam or XXXX ... sounds like it 's XXXX big scam. 
I lost {$1000.00} from this scam. I realize now after writing this that there are so many indicators that should have been red flags for me but I was so excited about the puppy. 
Here is the name of the puppy seller - She provided us with this info for the MoneyGram payment : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX Phone : XXXX email : XXXXXXXXXXXX XXXX Ph : XXXX XXXX XXXX Email : XXXXXXXXXXXX Website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Checking or savings account (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I am trying to open a savings account with XXXX XXXX XXXX and they are forcing me to give them my income information before I can open an account. I do not disclose my annual income with anyone and I can not find a law on the books that say they are required to gather this from their customers. What I do see is they want this information to target me for the sale of products and I do not want that. I have never hear of this in the past with any financial institution I do business with. Why do they ened annual income other than target sales?

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Credit card debt) with Weltman, Weinberg & Reis Co., L.P.A. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: Weltman, Weinberg, & Reis has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Consumer Loan (Title loan) with WELLS FARGO & COMPANY (DC).
Issue: Lender repossessed or sold the vehicle

Complaint: WELL FARGO REPOSSESSED MY CAR FOR FALSE REASON OF INSURANCE THAT HAS BEEN CLEARED BY MY INSURANCE COMPANY. WHEN THE CAR WAS RELEASED AFTER FEW DAYS, THE CAR WAS DAMAGED AND THE WHEELS WERE REPLACED TO THE BAD ONES, INCLUDING SPARE TYRE. MY PERSONAL BELONGING IN THE CAR WAS ALSO STOLEN. MY LOSS SUBMITTED WAS $ XXXX.WELL FARGO DENIED RESPONSIBILITY AND ASKED THE CLAIM SHOULD GO TO THE RECOVERY AGENT. THE RECOVERY AGENT DENIED. ANY CLAIM SHOULD GO TO WELLFARGO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My husband had me listed as an authorized user on his XXXX XXXX card for a couple of months and I asked to be removed from it, as I did not apply or ask for it. XXXX XXXX and Experian have both refused to remove the history of the account from my Experian Credit Report, thus causing irreparable damage to my ability to apply for a specific credit card, due to too many new accounts being reported. In addition, the card is erroneously listed as being opened on XXXX XXXX. XXXX, but was actually opened back in XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I believe I am victim of Mortgage and Mortgage Servicing Fraud. JP Morgan Chase and XXXX XXXX XXXX. are both claiming to be the note holder of a loan in my name which is being serviced by a third party entity. I have sent both parties Qualified Written Request and Debt Validation Request and neither have sent adequate responses.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Federal student loan debt) with AES/PHEAA (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Company ( PHEAA ) took over Federal Student loan from AES for default. I started to pay on the loan with first payment of {$3700.00} to catch up on late payments and afterwards I resumes paying a monthly payment of {$560.00} x 13 months. I was suppose to be offered a Rehabilitation program after making 9 consecutive monthly payments within 10 months period, but I never heard anything. 

The original loan amount from XXXX XXXX was around 33,000. In the process of using a consolation loan company and going thru financial hardship after XX/XX/2008 financial crisis, the amount was raised to over {$75000.00}. I attempted to resolve the difference in balance thru my lawyer, but I was never able to a resolution. No one from the collection companies we have dealt with were able to show original documents to prove the massive amount of interest charged. When I last attempted to fix my credit report, I was told by PHEAA that I am still in default, that I will always be, and no matter how monthly payments I make, the status of default will never be changed unless I pay the entire amount owed which is currently sitting at {$72000.00}. So far, for the past 18 months, I have paid {$11000.00}, which would equate to over {$8000.00} in interest and collection costs.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Went online to try to make a purchase for airline tickets XX/XX/XXXX, I was re-directed to another site. Once I noticed the site was not the correct website I backed out of the transaction. I immediately contacted Citibank and asked them if there was a hold on a transaction. The Customer Service representative advised me it was and no name or phone number was attached to the pending charge. I explained I was re-directed to a site that did not appear to be safe. The Customer Service Representative from Citibank advised me not to worry and the charge will not process to my account and another card will be issued and to a note will be attached advising of my issue. I called Citicard again to confirm and to see when the new card would be issued which was on XX/XX/XXXX and was advised my card was on the way. I made a purchase with the card with another merchant who immediately provided my confirmation of my purchase. On XX/XX/XXXX I received a letter from citicard with forms attached in regards to the merchant What 's Cheap. I signed the paperwork and mailed it back. I received another letter from Citicard on XX/XX/XXXXadvising me my dispute was overturned. I asked for a copy of the confirmation email from the merchant and proof of purchase, I called citicard on XX/XX/XXXX and was advised I can fax a letter to XXXX per XXXX ( see attached ) I called again on XX/XX/XXXX and was advised my fax was received per XXXX. I called again on XX/XX/XXXX I called per XXXX I need to write to the office of the President at XXXX XXXX XXXX XXXX ID XXXX escalated to a Supervisor XXXX and was told the Office of the President did not have a fax and to mail in the complaint. I have been getting the run around and I have fraud protection on my account. I can not contact the merchant since no phone # exists on the site you can only email. I have copies of other people complaints with the same merchant arguing this is a fraud company. I can not get this resolved with Citibank. Please assist. What 's cheap would not be a site I would ever make a purchase with and did not authorize this charge to my account. I did not authorize this charge to my account this is a fraudulent merchant and charge.

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 10/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have been struggling to make my student loan payments for the last XXXX years since XXXX of XXXX. Since then my interest had added over XXXX to the debt to date. It took XXXX years before I was informed of the rate reduction program, that none of the employees seemed to know about, instead they offered forbearance and loan payment deferments, which kept the interest building. I am currently unable to make payments and they are unwilling to help. My current debt to date is XXXX on the private loans and XXXX on the federal loans through Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: Last XXXX XXXX is when I wrote a letter to this company requesting an investigation. After more than 30 days of waiting, I found that all the disputed items are still reporting incorrectly.The Tax Lien reported is outdated. The information has been withdrawn last XXXX XXXX due to insufficient information particularly my personal info which I verified with the court. This company 's records are definitely outdated and I do not understand how the can report that the items have been investigated. Also, Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to the collection accounts they are reporting allegedly on my credit report. To date, I have not received any validation document from any of these companies. More than 30 days have already past and these accounts are still unvalidated. The account numbers, balances, opening dates, date accounts were assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: In XXXX, 2016, I signed a contract with a " matchmaking '' service and charged the fee, {$5500.00}, on my XXXX XXXX card. That promised service was not provided, and I contacted XXXX to deny payment to the company and credit my account- I provided detailed information as to what happened and why the payment should be denied. In XX/XX/XXXX, the sale of the XXXX COSTCO credit card business to Citi was completed, and Citi took over the " investigation ''. There 's no evidence that Citi did anything other than accept a ( false ) statement from the merchant at face value and denied my complaint in a letter I received this week. In the letter, they also threatened to damage my credit standing if I did not pay the bill immediately. In fact, the bill about been paid in full, including the disputed charges, a month earlier. I responded with a letter, complaining about their decision. I have also filed a complaint ( pending ) with the Office of the Maryland Attorney General.

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 12/28/2016 about Prepaid card (Gift or merchant card) with SUNTRUST BANKS, INC. (NY).
Issue: Fees

Complaint: I possess a Sun Trust Visa Prepaid Gift Card in the amount of {$120.00}. I have never activated or used this card. The Card does not expire until XXXX2019. I should have a balance of {$120.00} on the card as it has never been activated or used by myself. However, SunTrust Bank has taken {$100.00} in fees for from the card before I have even used it. There is now a {$25.00} balance on the card due to fees that were taken without my knowledge or authorization. I am very upset and perplexed and I feel that this is immoral, unethical and theft of services on behalf of SunTrust Visa. I never entered into or signed any legal contracts agreeing to the terms and conditions of this card. I was not aware that funds would be withdrawn from the card by the bank until I checked the Balance on the card. The Bank was paid in full by the purchaser of this card and now they are taking the funds back for absolutely no reason. The Bank received the amount of {$120.00} from the purchaser and they are taking the money that they have already been paid. I find this to be a travesty and illegal. So now the Bank is making {$240.00} from a card that is worth {$120.00}. How can they sell the card and then take the money back. The card does not expire until the year 2019. I have never activated nor used the card. So why have the fees been taken? This is a travesty and unethical for the Bank to take Fees on a Card that was Paid for. I should not be penalized for this. I have tried to speak with a Supervisor who claims there is nothing he can do for me so I am filling this complaint. It is with great hope that Justice will prevail in my favor and that the funds will be reimbursed to me.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Rent Recovery Solutions (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX   XXXX , I moved into apartment  XXXX  of   XXXX   XXXX   which is managed by  XXXX   XXXX   XXXX . Shortly after moving in, I experienced electrical problems that caused the stove, heat, and electrical plugs not to work at times. These issues were not completed until  XXXX   XXXX  when  XXXX   XXXX  refused to come out again unless  XXXX   XXXX  installed the proper conductor so that the apartment could get the appropriate wattage. Then in the  XXXX   XXXX , there were days of heavy rain which began to seep into my guest bedroom. This caused mold and destroyed my dresser and clothes that were in the dresser. After three months, the issue still was not rectified. For this reason, I was forced to terminate by lease early by two months. I filed a civil suit against  XXXX   XXXX   XXXX  to waive the two months rent, court cost, lost wages, and the price of the   XXXX   for moving.  XXXX   XXXX   XXXX   XXXX   XXXX  a counter suit for the two month 's rent, court cost, and attorney 's fees. Ultimately, the judge dismissed both cases. There is no judgement stating that I owe  XXXX   XXXX   XXXX   XXXX  anything. Nevertheless, they turned my file over to a third party, Rent Recovery Solutions, and this third party has placed this fraudulent debt on my credit report. This is a direct violation of the Fair Credit Reporting Act, and this injustice is negatively impacting by ability to purchase a home. I am scheduled to close on my home on  XXXX   XXXX , but it may not happen because of this deceptive and fraudulent activity. I do not see how this is legal when I have a copy of the order proving that both cases were dismissed. Furthermore, I was a long time tenant of  XXXX   XXXX  dating back as far as  XXXX , and I always paid my rent on time. I have attached a copy of this order for your review ; therefore, this fraudulent entry needs to be removed from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is reported incorrectly and does not state " medical '' on credit report. They are breaking the FCRA act and did not indicate this as a medical account. I am asking that this improper reporting be deleted completely from my credit report. In the " Consumer credit reports : A study of medical and non-medical collections '' dated XXXX 2014 it states ... ... 

" As previously noted, research performed by the CFPB demonstrated that credit scoring models that treat medical collections in the same way as other collections trade lines penalize consumers with medical debt collections by underestimating their creditworthiness with lower scores.XXXX The study found that consumers with medical debt were more likely to pay their future loan obligations on par with consumers scoring at least XXXX points higher. '' The credit was reported incorrectly and needs to be removed from the credit reports completely.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested my free annual credit report from transunion after requesting and receiving my credit reports from the other two only to be told that I had already requested and been given my transunion report. They told me I could buy one though .... I HAVE NOT already received this report. I always get them in XXXX 's, there is no reason I ever would have gotten just one, let alone the transunion report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief