milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2016 about Credit reporting () with Clarity Services (CT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Credit reporting agency fails to contact me after writing e-meails to them and calling them daily

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received an email offer from XXXX  for their XXXX  Rewards VISA card on XX/XX/XXXX and again on XX/XX/XXXX. The offer stated that if you applied for the card byXX/XX/XXXX, get approved, and spend {$200.00} in net purchased with 40 days, you would receive {$100.00} cash back automatically. I responded to this offer prior to the deadline, was approved, and spent significantly beyond the {$200.00} in 40 days. After the 40 day spending period, I would check my monthly statements to see if the credit had been placed. By the time I received my XX/XX/XXXXbilling, the credit had not been placed on my account. I called their credit card customer service on XX/XX/XXXX and they have no record of that offer that I had signed up for in their records database. I was instructed to provide a letter and a copy of the original email offer to them via fax, which I did later that same day. I received a response letter dated XX/XX/XXXX ( the next day after receiving my documentation ) that they were denying my " ... request to apply for a different enrollment offer. Unfortunately, we are unable to change your enrollment offer if your account has been open longer than 120 day. Therefore, since your accounted was opened on XX/XX/XXXX, we are unable to process your request. '' This was not what I asked for. I simply asked them to honor their offer as I had meet the terms of the offer. I called the credit card customer service today, XX/XX/XXXX, and spoke to two representatives, the 2nd of which was a supervisor. They stated that since it was now past 120 days since the account was opened, they could not honor the offer. I asked them what I could have done differently in order to insure that XXXX  Rewards would have honored their end of the offer. They stated that I should have been more diligent and checking to see if the credit had been applied and should have called in to speak to customer service. Really? I am expected to babysit them to insure they honor their own terms and conditions? In the conversations with customer service representative, at no time did anyone say that I actually did not meet the terms of any condition of the credit card offer. What they did do was cite their own internal policies that no one outside of their company would have any knowledge of. The supervisor person said she could approve a {$50.00} credit in order to meet me " half way ''. I told her I would take that but that I still was not pleased that they were not willing to honor the offer originally sent to me of which I meet all the terms and conditions. They took a hard stance that this was the " best '' they could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Non-bankruptcy derogatory items that are more than 7 years old from the date of original default remain on my credit report and a comment that they were previously investigated in a previous dispute over 6 months ago. Well the added 6 months has only made the items more egregious for remaining on my credit report. Negative items are reported twice - once as the original debt holder and secondly as collections items by a agency. This creates the impression to a prospective creditor that I am a higher credit risk than I actually am, because I have twice the number of derogatory items than I should! Inquiries that are more than 2 years old still remain on my credit report.

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 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MST Financial Services, L.L.C. (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have sent full amounts to Chapman Financial Services couple months ago for past due collection and they refuse to apply it to the debt amount balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (DC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I tried to purchase a money order for {$650.00} from the USPS located on XXXX XXXX XXXX. in XXXX XXXX, Texas. After USPS added its fee of {$1.00}, my total bill came up to {$650.00}. 

After inserting my debit card ending in XXXX and entering my PIN #, the worker said the payment terminal " froze on her, '' and that I should try again. No receipt or money order was produced - I did not receive the money order for {$650.00}. 

I tried to pay for the money order again two more times, and experienced the same transaction error. However, one debit of {$650.00} has posted to my account on XX/XX/XXXX for the money order that I never received. 

I urgently need the funds returned to my account now. 

Thanks.

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 01/13/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My credit card number was stolen and fraudulently used to purchase services in XXXX. I am a resident of XXXX and was traveling to XXXX and XXXX at the time. I called the credit card company, USAA, and disputed the charges. I spoke to at least XXXX individuals who repeatedly lied to me about the state of my credit card and my ability to use it while traveling ( I would be stranded without hotel or food. ) This was back in XXXX. Today, USAA claimed one of the XXXX businesses claimed the charges were valid. Despite the fact that the fraudulent charge was not made under my name or the name of anyone in my family, USAA is holding me responsible for these charges. Further evidence I did not make these charges is that I was not in XXXX at the time -- as plane tickets bought with my USAA card show -- and the card was used for vehicle services on a vehicle I do not own -- as my car insurance with USAA would show. Despite all of this evidence, USAA is attempting to charge me for these fraudulent charges. I am being given NO RECOURSE to bring up these pieces of evidence. Furthermore, since XXXX, USAA representatives have repeatedly treated me in a condescending fashion and lied to me about the state of my card. I fear USAA may be colluding in a SCAM with the disputing company, XXXX. Furthermore, given the way the USAA representatives treat me and the way they pronounce my last name, I believe my ethnicity may be involved with their choice to participate in this fraud.

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 10-11-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I got behind on my mortgage as a result of a long drawn out divorce and the resulting financial struggle. I had applied for a loan modification XX/XX/2016 and was told that I would have a temporarily reduced mortgage payment for four months and if I paid that amount on time for four consecutive months then they would send me the paperwork to make that amount permanent. When I purchased the home I was married but the mortgage was in my name only. The loan was in my name only. Due to the community property laws of Texas, my then husband was on the deed. I divorced him and as a result of the divorce decree, I was given the home and a special warranty deed was done to remove him from the deed. After my four month trial period, paperwork was sent with my name spelled incorrectly. Then they resent paperwork but had my ex-husband as co-borrower. I not only explained the situation but provided the documents. They said that XXXX XXXX required that although I called them and they said it was not true. The rule states that the ex is is required unless he is deceased or removed from legal liability. I provided the documents but they would not recognize them. I tried for months to get this resolved and then XX/XX/XXXX I was told it was a final decision and that I did not qualify without him becoming indebted for my house. I have been through several representatives and supervisors. I wanted to keep my house but feel like they are stealing it so they can keep the {$10000.00} I paid up front and re-sell it for more. Nationstar has been extremely difficult to deal with. Initially I could not get anyone to talk to me. The automated system sent me to a recording based on my account. I even drove over to their offices at one point. Then I asked for supervisors and got the run around and they would not even listen to common sense. It was as though just reading a script and not thinking at all. I have been told that it the title company or legal office who draws up the loan modification paperwork is the one that decides what documents are required and that most likely the problem or block is there and not XXXX 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 05/20/2017 about Debt collection (Mortgage debt) with Specialized Loan Servicing LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Mortgage with   XXXX   XXXX   XXXX   was first reported delinquent  XX/XX/XXXX . It was charged off my credit report and deleted in  XXXX . Furthermore the mortgage company had filed a release with the recorder of deeds   XX/XX/XXXX  .   This 3rd party company has recently sent information regarding the old debt with out the original creditors information listed.     I feel this debt is not mine because they have no legally binding contract with my signature agreeing to the remaining debt.

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 09-11-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX, XXXX, I paid my account balance in the full amount of {$1800.00}. On XXXX XXXX, XXXX, Synchrony Bank closed out my account without notifying me, also without my consent. I did not put in a request for my Amazon account to be closed. The only reason I found out the account had been closed was because I check my credit report and it shows the account is currently closed. I requested a reversal of the closed account due to the fact that I did not request the account to be closed, that request was denied and refused.

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 12/14/2015 about Prepaid card (ID prepaid card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Unauthorized transactions/trans. issues

Complaint: American Express Serve has stolen {$400.00} from me. 

I had a {$400.00} balance on my account when it was closed. I was sent a refund check. 
I accidentally deposited it into the wrong account, my brothers bank account. It was returned unpaid. 
I then deposited it into my account in my name. It was rejected. My bank told me the first incorrect deposit has flagged the check, and I needed to get it reissued. 

I contacted American Express Serve many times to get the check reissued. They will not reissue the check because they claim it has already been cashed. However it has not been cashed, I do not have the money, and I attached proof the check was returned unpaid. 

I have called American express many times and gotten no resolution. They still have my {$400.00} and the representative even blamed me, saying it was my own fault. Does that mean they can just keep my money then? They have stolen the {$400.00} from me. This is criminal. Please investigate this

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-10-2015 about Debt collection (Medical) with Professional Service Bureau (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX my {$550.00} bill from the XXXX XXXX for services XX/XX/XXXX was sent to PSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was unable to get an itemized bill from XXXX or the collection agency regarding what I was seen as owing. My numerous calls to XXXX and PSB as well as facsimile data was ignored. XXXX says XXXX paid {$530.00} while PSB notes XXXX paid XXXX as sent to them by XXXX. Neither XXXX nor XXXX will talk to me to reconcile this big difference.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I recieved a call from an associate who identified himself only as XXXX on XXXX/XXXX/XX/XX/XXXX, who did not state what collection company he was calling from. XXXX told me there is an unsettled debt for $ 3000.00+ for an apartment eviction from XX/XX/XXXX. I requested documentation to be sent, and was told no because it would cost him {$2.00} or {$3.00} to send and that I dont need proof of something I owe. After telling XXXX I did not have availale funds and that I felt the call may have been fraudulent the call was ended. On that following Friday, XXXX called back and while still not advising who he is employed by, he informed me he sent my account through for garnishments because I would not make a payment. After several calls, I was then transferred to work with an XXXX named XXXX. XXXX told me he would stop the garnishment order if I agreed to pay him a minimum of 12 % of my take home pay. He would not negotiate, and did not ask what my monthly expenses are. I was sent an agreement form to return to XXXX by XXXX/XXXX/XX/XX/XXXX with a monthly payment of {$250.00}, and if i dont, he threated a lawsuit against me and garnishments. I found the company to be US Collections West in XXXX, Az and find the collection tactics to be forceful, misleading, and predatory. I have been mistreated and disrespected by this agency, and being forced to pay an amount which will cause a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Atlanticus Services Corporation (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I received to a credit card offer from Fortiva by mail.I responded by phone to accept the offer. I never received the card. I did receive a bill with unknown and unauthorized charges for which I immediately completed a fraud affidavit and returned it to their company. I have since called their customer service and fraud departments over ten times in the last six months trying to get this off of my credit with no results. I never received the card, never used the card, never activated the card, and they have adversed my credit with the credit bureau and placed me for collection. I am a victim of Fortiva credit card scam.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened a secured credit card in XXXX XXXX I had to pay a security deposit of XXXX and I setup the account to have a XXXX limit before opening the account there was an option to increase the credit limit so I paid {$100.00} through my banking financial institution which now made my credit limit {$400.00}. A few days ago I closed the account because I no longer it and its only showing I had a {$300.00} security deposit. I contacted capital one on XXXX/XXXX/XXXX and they tried to tell me that they gave me the additional {$100.00} which is not True on a secured credit card the company gives you no money, any money used on the account is what you put in. They are now saying I owe them {$100.00}. The supervisor could n't even tell me when they supposedly gave me the increase.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On or around XXXX XXXX, 2016 a dispute involving inaccurate credit reporting data was submitted to Experian in regards to an unverified late payment. FCRA requires results be investigated in 30-45 days and notifications made. On XXXX/XXXX/16. I received online notification of other results but never for XXXX account XXXX which is negatively impacting my credit and has not been verified showing a late payment. My dispute for this account was never addressed.

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 09/16/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The complaint includes Reinserted previously deleted information, account terms, account status

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX  reported on my credit report that the first major delinquency was on  XXXX    XXXX  . The problem is I filed Chapter  XXXX  bankruptcy prior to  XXXX   XXXX  reporting the delinquency to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My loan was rehabilitated with XXXX XXXX of XXXX, Texas. The signed agreement with them was that once I completed rehabilitation ( which I did in XX/XX/XXXX of this year ) I would be able to choose between different lenders, and different repayment options, in particular the income-based option. I never heard from anyone. Then just a couple of weeks ago I heard from Pennsylvania Higher Education Assistance Agency that payments were due. I never received any prior communication from PHEAA. They did not mail, email, or phone call me about the loan, different repayment plans or options ( as agreed when I signed up for rehabilitation ) or anything. They did not send me a contract for the new loan. I never signed a contract because, obviously, it was not sent. This amounts to Unfair Lending Practices, as well as Predetory Lending, as the total amount of the loan has gone from around {$120000.00} to {$160000.00} - PHEAA has added {$35000.00} to the loan, which amounts to Inflated Fees and Charges. By not informing me, not sending a contract, not giving me the original agreed upon option, PHEAA has committed Inadequate and False Disclosure. And in taking the loan from XXXX, and adding usurious fees, PHEAA has committed Loan Flipping. The XXXX XXXX XXXX XXXX is also liable. They sold part of my loan to XXXX. They never informed me, XXXX also failed to inform me. I was paying the loan off at the time through the XXXX XXXX XXXX XXXX, but neither informed me that part of it had been sol, and then it went into default. This was a Predatory Loan as well, as it was designed to fail. When I tried to rehabilitate the loan with XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX, twice my papers for rehabilitation and reconsolidation were never completed by them. In roughly four years, my student loan debt has gone from around {$57000.00} to {$160000.00}, due to the above detailed circumstances, and the new policies of the XXXX XXXX XXXX XXXX which favor Predatory Lending and Unfair Lending Practices. I will be seeking others in my situation in the interest of potentially pursuing a Class Action Lawsuit, a process that the PHEAA is more than familiar with, as is the XXXX XXXX XXXX XXXX. I have attempted to the best of my ability for the past four years to keep in touch with the XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and now PHEAA, all four of which have engaged in sloppy mismanagment of my account, which has allowed the debt to almost triple in size. Note in the attached documents that there is no contract or papers from PHEAA, as I never received any, nor signed any. Their loan, and attempts to collect it, are illegal, for the reasons cited above. However I will repay the loan as I do not want it to go into default. The fact that I am repaying the loan should not be taken as an indication that I agree to the terms : I simply have no other option at the moment, other than letting it go back into default.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a car loan with Ally Financial and I traded the vehicle right about the time the payment was due. The dealership took its time paying of the Ally when I traded the vehicle so Ally put a 30 day late payment on my credit report and when I called them and explained to them that I no longer had the vehicle the customer service representative were very rude and told me I better pay them my payments.

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 10/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX on TransUnion report inaccurate. 
I do not owe XXXX ; Nor ever did.

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