milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Automotive Credit Corporation (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Automotive Credit Corp.is maliciously reporting to all XXXX credit bureaus : XXXX, XXXX, and XXXX.Incorrectly wth regards to my status on account XXXX.I have 2 accounts with Automotive Credit Corp.One of which was closed due to refinancing.That is account XXXX.I 'm disputing there error of not acknowledging my last three payments in XX/XX/XXXX, and XX/XX/XXXX.Made on account XXXX PRIOR to Automotive Credit Corp.closing my account due to refinancing.Automotive Credit Corp in response submitted an XXXX credit report.Noting there was no error and there report was accurate.It was submitted on XX/XX/XXXX.I went on XXXX credit reporting site as well.Submitted as proof that Automotive Credit Corp.needs to change the status on account XXXX as current/closed refinanced.On my new account XXXX I was instructed to make a payment of {$100.00} towards my previous account XXXX prior to making my first new payment arrangement of {$130.00} on my new account XXXX.I made the payment on my new account XXXX before it was due on XX/XX/XXXX.That was my contractual obligation.To Automotive Credit Corp.in order to have my previous account XXXX refinanced.I made three payments on account XXXX.Prior to my new XXXX account being opened.I have bank statements documenting payments made twice to Automotive Cedit in XX/XX/XXXX, and a {$100.00} payment made to Automotive Credit Corp inXX/XX/XXXX.Both payments were made on account XXXX 'm asking that Automotive Credit be held liable for accepting payment in the months of XXXX, and XX/XX/XXXX.FCRA states that a consumers account status should reflect the most recent activity.Lastly, on my XXXX credit report.Automotive Credit Corp.is reporting my closed account XXXX as open, and delinquent.That status is inaccurate.

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 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed the incorrect on my credit report. Transunion has refused to research the dispute, the dispute is also involved with an Bank complaint with cfpb # XXXX & XXXX. I provided Transunion with the information but, the company refused to research the cfpb information and the letters from the company.

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANCO POPULAR DE PUERTO RICO (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.

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 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts equifax breach has cost me tons of money taking more than 30 days violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Using the same personal information ( name, ssn, address, .. ) the Equifax is not able to provide me with my free annual credit report. The identity verification questions I was presented clearly show that the Equifax system is not able to identify me and later claim that the identification process failed, request I go through a mailed credit report for with a long list of identification documents copies. The other XXXX credit agencies ( XXXX, XXXX ) have been able to verify my identity online and provide me with my free credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Payoff process

Complaint: I did a balance transfer using promotion checks on my Chase Freedom Card. I was told by the rep that the monthly payments would amount to approx. {$100.00}. First bill comes in with a monthly payment of {$510.00}. Called Chase dispute department and the manager was unwilling to change the monthly payment amount despite the information given to me. She kept repeating the company terms of how monthly payments are calculated ( a confusing tangle of options this OR this OR this ). 

Nowhere on the promotional checks or accompanying letter, or my statement balance does it explain the terms of how monthly payments are calculated. The manager was unwilling to change to monthly payment amount, despite what the Chase rep who did the transfer said. ( I 'm sure this is all recorded ). 

This is a misleading and a deceptive practice and could lead to financial ruin for the consumer. Consumer has the right to have all the correct information as to make an informed financial decision. Please intervene.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My wife and I have consolidated federal student loans through Navient. We are both going to graduate school and both sent in student loan deferment request forms. We have been going back and forth with them for weeks. The first time we called, they claimed they did n't have my wife 's form, but had my form so we sent hers again. We then get a denial letter and when we called, they said it was because they did n't have my form, even though the first call they said they had mine. So, I had my school send it again. Finally, we got an APPROVAL letter and that our deferment was effective immediately. Two days later, we received another denial letter. WHAT?? The letter states they did n't have my form, in which I sent it AGAIN. I was flabbergasted how they could send was an approval letter and 2 days later send a denial letter. Now they have both our forms supposedly but state mine is n't filled out properly. Keep in mind that our schools have to fill these forms out ... .they do this all the time. My advisor states the form she filled out is filled out the same way she always fills it out and this is the first time she 's had a problem with it. I 've been off and on the phone with them for weeks with no resolution. Have the time I 'm on the phone, the representative barely speaks English and she doens't undertstand what I 'm trying to get across. I have proof of approval and then 2 days later a denial and now no one at Navient seems to know what to do. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Credit card () with Alliance Data Card Services (NY).
Issue: Balance transfer

Complaint: I applied for a Commenity Bank/XXXXVISA balance transfer on XX/XX/2017 for {$6100.00} to my XXXX XXXX account. Commenity Bank/XXXXVISA charged my account the {$6100.00} plus a transfer fee immediately but till this date has not made the balance transfer. I have called them on so many occasions. I have heard stories from Commenity Bank/XXXXVISA that the transfer takes up to 60 day to just recently, the check for the transfer was sent out and cashed. My XXXX XXXX account still has not received any transfer. Now I have the amount of the balance transfer showing up as additional debt on my credit report which has negatively affected it and I 'm paying for a transfer that was never made. I already told them I do n't want the transfer anymore. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Student loan (Federal student loan servicing) with Kentucky Higher Education Assistance Authority (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I had XXXX loans with KY Higher learning which were transferred to XXXX XXXX in XXXX. All XXXX loans are still appearing on my credit report and impacting my ability to obtain financing. I 've requested that they remove these loans from my credit report multiple times form XXXX, even submitting a form to KY Higher Education to remove them from my credit report ( which they claim to have never received ) and disputing my credit reporting with the credit agencies. Today, I spoke with KY Higher Education and discussed the situation with an individual named XXXX. He said I needed to submit another credit dispute from ; yet, he refused to send me the credit dispute form and just referred to the company website to dig for it. He said that he talked to a supervisor and they could not offer any further assistance, other than to say you can try to find our credit dispute form somewhere on our website.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Payday loan) with Check Security Associates, LLC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Warner Asset Location Services at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe XXXX XXXX. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called again.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2016, I checked my credit score and noticed an unusual downfall from a XXXX to a XXXX score. Under the factors affecting my score, a negative debt collector was listed. I contacted XXXX and was notified that a debt collector by the name of Afni Inc. reported a delinquent account. I investigated further into this matter and have filed a dispute with XXXX and XXXX to remove this from my credit report. 

Afni is claiming in a debt collection notice that I owe XXXX an outstanding {$370.00}. However, my XXXX account has been paid in full and closed in good standing. I have a letter confirming of this information dating to XXXX XXXX, 2016. Along with speaking to XXXX, I have been informed that my account with them has never been sent to a collections agency which puts into question the validity of Afni Inc. 's claims. When speaking to Afni on the phone to resolve this issue, the telephone attendant was in full swing of harassing language and would not adhere to my concerns or confirmation that XXXX has already been paid. Therefore I was not able to resolve or dispute this debt on my behalf resulting in this debt to be reported to the credit bureaus and negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (MD).
Issue: Taking out the loan or lease

Complaint: monterey financial ageed to update the credit bureaus after my last dispute through CFPB. However XXXX is reporting the item as being 60 to 90 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Citibank is not honoring a card that I have a credit balance on and have attempted to do phishing when I call them. 

Before XXXX I paid into a credit balance on my card because of the trouble of them honoring it when I try to use it at XXXX. As always, they still stopped honoring the card. Usually when I get home it works again. I have a monthly autopay that they honored once after not honoring the card in the store and they then stopped paying on that, also. 

When I called, they failed to tell me why they stopped honoring the card. The operator inferred accusations against me without actually speaking them. The operator also demanded to do phishing for information on both Citibank and nonCitibank accounts. The operator let her irritation show at her inability to extort phishing information from me. The operator also refused to fix the problem with the card. 

I still have a credit balance of {$460.00} on the card that they owe me and have not refunded. They refuse to either reactivate or to cancel the card, claiming that it is still good. I have gone to the local Citibank branch to get a Citibank employee to get to the bottom of this but they were uncooperative with him too. 

My suspicion is that from the very start this was a phishing effort. They stopped honoring the card for the sole purpose of getting me to call so they could do phishing. The card wasn't just paid up, there was a credit, there was no reason they would stop honoring the card.

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 11-11-2015 about Bank account or service ((CD) Certificate of deposit) with SCOTTRADE BANK (MO).
Issue: Deposits and withdrawals

Complaint: I tried to open an account, but apparently the staff there are the " do n't care '' attitude kings. After nearly 4 weeks, I still ca n't get an account. Do n't expect them to return a call or offer any help. They are rude and XXXX.

Company response to consumer: Closed
Consumer complaint received 12-09-2017 about Payday loan, title loan, or personal loan (Title loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: Note : This is separate from previously filed complaints and only refers to the two most recently made payments of XX/XX/XXXX and XX/XX/XXXX. 

Website login gave scheduled payments as above- XX/XX/17 and XX/XX/17. 

Both payments were submitted as scheduled and were properly receipted and reflected in payment history. 

However, neither affected the interest nor the principal balances shown, which remained unchanged. 

In addition, neither payment was reflected in reporting to consumer credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I purchased Bitcoin through Coinbase almost 5 years ago. When I log on to my same Coinbase account during the past two weeks, I am not permitted to sell ANY portion of the amount shown, an amount I have held since that original purchase! 

So far, the only thing Coinbase has done, a week ago, is suggest I clear Browser History which I did while on the phone with Coinbase. I have a XXXX XXXX XXXX in programming and am familiar debugging computer code. On my own during this time I tried disabling virus protection, using othe PC browers and XXXX, and made other attempts. After over a week of both emails and phone calls to Coinbase ( XXXX ), the latest with a programming supervisor named XXXX, they have not been able to resolve this so called 'TECHNICAL ISSUE '. 

Coinbase 's ACTIONS has now caused a monetary loss and I intend to retain legal action while diligently publicizing the case.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: In XXXX my XXXX XXXX XXXX XXXX credit limit was reduced from {$5500.00} to {$2800.00}, after being with the company for so many years because they said I was not using my card enough. I had in XXXX a credit balance available of {$3200.00} to spend. In XXXX my statement came with a credit balance of {$540.00} available for use. This is unfair because it affects my credit score negatively, because now all of a sudden I have a very high balance with XXXX XXXX as well as affecting my purchasing power. now I am unable to make major purchases after years of reliance on XXXX XXXXXXXXXXXX XXXX promise. When I signed up for this card I was not told that this was their policy, and if it is, it should be forbidden because it negatively affects consumers who try to maintain a decent credit score in these very tough economic times. I have spent over the years more than {$10000.00} with XXXX XXXX XXXX XXXX, I never expected this!

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 12/13/2016 about Mortgage (Other mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Selene Finance for almost a year now. We started a loan modification which started in XXXX 2016 in which the first payment had to be {$1700.00} and sent by XXXX or XXXX XXXX. They received that payment. The next payments from XXXX to XXXX were {$890.00} and they were paid {$890.00} every single month. I got a call from the agent that was working with me throughout the modification in XXXX asking me when my payment was going to be made so they could go ahead and finalize my modification as soon as the payment was received but that never happened. What I got was an excuse that they were too busy to finalize my modification. After the final payment while I was waiting on papers in XXXX that never came I sent it my original payment of the {$630.00} being that I had not heard from Selene any more except for receiving a foreclosure letter during the modification which I was told to ignore and they do n't know why it was sent. When I sent in the original payment I got a call stating that if I wanted them to finalize my modification I needed to send in an additional amount of {$250.00}. I asked them to send me a letter stating the foreclosure was in error before I sent in anything and I got that on XXXX XXXX, 2016 by XXXX XXXX. It also had a letter attached with XXXX XXXX who was listed as Team Lead. However even after making that payment I never received my modification papers or even heard anything else from Selene until XXXX XXXX from a XXXX XXXX. I was told the morning of XXXX XXXX, 2016 that a letter had been mailed out to me on XXXX XXXX, 2016 stating that I needed to make my payment in order for them to continue with my modification. I gave XXXX the payment over the phone that same day during this particular conversation only to pull a letter out of my mailbox on XXXX/XXXX/2016 saying I would not be getting my modification. I paid every payment during that trial period exactly the way I was told every single month. I got the run around for 3 months and this company who I had read at least XXXX complaints about the same exact experiences and this company continues to get away with the same tactics on taking people 's homes. I 'm not understanding how they continue to keep getting away with this to people they are suppose to be trying to help. We did everything that was asked and here I am reeling about trying to save my home when this is what I thought I had been doing for the past couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: In XX/XX/XXXX I applied the American Express Platinum card and was approved. After the card arrived, I realized that I had this product before, I would not be able to receive the XXXX MemberShip Rewards, so I cancelled this card without activating it. I did not spend any dollar amount towards this card. 
On XX/XX/XXXX, I received an email, stating that Amex removed my XXXX points due to the reason that I was not eligible to receive the welcome bonus of XXXX points. ( However, the fact is that I never received any points regarding the welcome bonus, and I am trying to use my points at that time. ) I called back and started an investigation, Amex told me I will receive a result by XX/XX/XXXX. I called back on XX/XX/XXXX, since they never called me for updates. Again, I was told to wait till XX/XX/XXXX for any results. I called them that morning, Rep. told me to call back after XXXX if I did not receive any results. I called back again after XXXX, and spoke to a supervisor, she said they removed my points was because I had this product before, so the welcome bonus is not eligible for me. Her assumption was that I already received the XXXX points, and she saw I had more than XXXX points under my account. BUT the truth is I never received any welcome bonus towards that product, in fact I never spend a penny on that account, just because I have XXXX points, it does n't mean it is the welcome bonus! The premise of the claw back is that I received the XXXX points. I told her I received XXXX points from XXXX product in XX/XX/XXXX, another XXXX from another product in XX/XX/XXXX. She said she ca n't pull the histories of those XXXX accounts, they will need 3 more days to investigate. 

I do not have another 3 more days, this has cause so much inconveniences for me to redeem my points, I, now have spend more time to wait, and more money to redeem my points!

Company response to consumer: Closed with non-monetary relief