milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Advertising and marketing

Complaint: Purchases were made at multiple merchants which were expected to qualify under promotional rewards earn. Promotional bonus was not applied. Contacted via online message. No resolution. Contacted by phone. No resolution. Closed account due to " gotcha '' marketing and refusal to honor offer. 
Marketing copy lists " Home Depot '' and " XXXX and XXXX Stores ''. Any reasonable person connects the XXXX, and associates Home Depot as a XXXX and XXXX ' store. Even in the disclosure below nothing indicates those XXXX should not be associated. I prefer shopping at other 'home and garden ' shops -- -XXXX and XXXX XXXX . A simple google search yields that these all offer comparable products and services. There is no reason to believe any of these would be treated differently. 
Ultimately I missed out on bonus rewards for {$480.00} worth of transactions, or {$24.00} worth of rewards. 
Marketing copy is deceptive and disclosures are inconsistent and unclear. XXXX refused to acknowledge or rectify this on the XXXX customer that called them out. If I had put other transactions on the card, it is unlikely I would have even noticed this. That is not an acceptable way to treat consumers. If they are not willing to honor the promotion, they should not have it out there to begin with. There is likely a reason why they no longer offer this product -- -clearly this category bonus scam has caused similar frustration from other customers. 
Attached documentation supports and validates all information claimed above.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Prepaid card (Other special purpose card) with Empowerment Ventures, LLC (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: My payroll check was direct deposit to my rushcard and it 's not there talking about they doing a upgrade system I have bill that due and kids that I need to feed

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2017 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX is not correctly reporting that I am paying them in XXXX or 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 05/26/2015 about Debt collection (I do not know) with D&A Services, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number calls my home every morning at exactly XXXX The caller id does not ID them and then they hang up. Research on the internet determined they are id scammers who call to collect very old and often non existent debt. Other than hang up phone calls I have had no other contact attempts made to me by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This incorrect information appeared on my account in XXXX. 
Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER

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 09-07-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax Credit Information Services , Inc is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, Changing the dates on debts that are reported on the credit report to prolong the length of time that the debt is reported on the report. I send Equifax several letters requesting signed, written verification or validation, They just send me back a letter as soon as they can stating that the debts are verified. I happen to know for a fact that the XXXX XXXX account is not mine and it 's been on my credit report for over seven years and they will not remove it. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the XXXX Court and I was told by them that they do not, will not and never will report to the credit reporting agencies due to privacy laws. Equifax is saying that these debts are verified, Who is verifying them??? I have attained legal counsel and will be filing a lawsuit as soon as possible due to the fact that Equifax has violated the FCRA Laws without total disregard to the damage it does to consumers. Equifax has just settled a class action lawsuit over this exact same issue, I am a part of the suit class. If you need any more information, Feel free to call me at this number, XXXX XXXX XXXX XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have a judgment against me on an account that is with Portfolio Recovery. I have been working with Portfolio Recovery for 10 months paying off several accounts that are with them. I have worked with them and I do not understand how it is possible that no communication happened regarding this account at the time i made payment arrangements on what I assumed to be all accounts in the possession of Portfolio Recovery. I am not a criminal nor a scam artist and yet I am treated as such by a company i have been working in good faith with, and this judgment comes as a huge shock and huge stress. I work full time, am a single mother of XXXX and having this hover over me while also continuing payments on accounts with Portfolio Recovery has me furious. Please let me know where to go from here, how to proceed, or at least how i can get this account also paid which was and still is my ultimate goal. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with Associated Credit Services, Inc. (MA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On   XX/XX/XXXX   I called the  company   XXXX   XXXX   to cancel my account becouse I was moving out of   that address and when I asked about the remaining balance the costumer representative said that was no debt on that account on that moment but if any balance appears in the future they would sent me a billl on my knew address. Nothing came on my new address and on  XX/XX/XXXX  a founded a derogatory mark on my spotless credit. Called the collect agenc y ( a ssociates credit agency  ) ask tham what happen and they said letters was sent to my new address and returned by post office and they had to report the credit agency once they could not find me. I question tham way they did not called me and they sad   XXXX   XXXX   did  not informe tham my phone number. Payed the collection agent in full on   XXXX   the debt of aproximedly U {$150.00} and they said they could not remove the derogatory mark of my  credit enven knowing that was n't my fault. I felt wronged for   XXXX   XXXX   because all of this situation was n't my fault.  Thank you Sent from my  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 05/22/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Application, originator, mortgage broker

Complaint: I live in XXXX I recently applied for a refinance loan with 53 Bank to combine my mortgage and equity loan together for a lower interest rate. I have had my mortgage and equity loans with 53 Bank for over XXXX years. 53 Bank recently ( XX/XX/2015 ) did an appraisal of my home with a company XXXX XXXX located in XXXX. The appraisal valued my home at {$60000.00}. The appraisal appeared to be based on foreclosed properties and/or condo properties. At one time 53.com appraised my property at {$140000.00}, a couple of years ago at {$120000.00}. 
My complaint is that I feel that 53 Bank uses improper appraisals to deny mortgage loans in my area

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have asked Transunion to investigate XXXX XXXX XXXX XXXX reporting of an account on my credit report several time. This account is charged off for the past 5 years but it first delinquency date happened on XXXX/XXXX/XXXX over 7 years ago. However XXXX XXXX XXXX XXXX is reporting this credit card as been paid up until XXXX XXXX, although I became delinquent on this account as of XXXX XXXX and was never able to make a single payment ever again. I have requested payment information from XXXX XXXX credit union several time to no avail. Then I have disputed payments history accuracy with Transunion, XXXX nad XXXX and some how the payment history comes back verified. When I asked Transunion to provide me with name of the person wo is verifying this information they 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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Discharged chapter XXXX should be removed my credit report. I have written letters and called several times to no avail. I am also asking for all inquiries to be removed for all three credit bureaus.

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 04/19/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have XXXX hard inquiries on my Equifax credit file that I clearly did not authorize. I asked the agency to provide me with proof multiple times and each time the say verified which I know they did n't. These are the inquiries XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  10/4/2016, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my credit report after finding out someone stole my identity. There were fraudulent inquiries on my report that I didnt authorize. Ive contacted XXXX numerous times disputing the inquiries with no luck! Please help me!!! It goes as follows : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Auto finance XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (I do not know) with ERC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I dont know what happen and what this is but forsure this is not something i did at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for quite some time. I have a fraudulent and unauthorized collection account and credit inquiries listed on my  XXXX   XXXX , Equifax and   XXXX   credit report that do n't belong to me. The collection account and credit inquiries are all fraudulent and unauthorized. I have been receiving threatening phone calls of death threats for the collection account with   XXXX   XXXX  . The following collection account is fraudulent and unauthorized :   XXXX   XXXX   {$460.00},  XXXX / XXXX / XXXX , the following credit inquiries are fraudulent and unauthorized :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX, I went back to college to finish my degree. At that time, Navient was contacted with the information that I am enrolled as a XXXX XXXX XXXX with XXXX XXXX XXXX. My loans ( a total of 4 ) where then put into deferment with an end date of XX/XX/XXXX. InXX/XX/XXXX Navient sent correspondence to the cosigner on one of my loans about a payment due. I then called Navient and spoke with them about the loan being in deferment as I have gone back to school. There was no contact or correspondence received by them untilXX/XX/XXXX, when they started calling and sending my cosigner payment reminders again. I then called Navient again to speak to them about this correspondence and the deferment, and to let them know that my cosigner ( who is my grandmother ) XXXX XXXX on XX/XX/XXXX and to not contact her anymore. I was told at that time, that the loan in question is a private student loan and has an interest only payment due and that a 100 % deferment is not an option as it is a private student loan. Navient never explained to me that this loan was not 100 % deferred, nor that it would have an interest only payment due while I went back to school. It appears to me that Navients business practices are deceptive and underhanded. I was never informed an interest only payment when I spoke with them back in XXXX, but was told all loans are in deferment. Then onXX/XX/XXXX, my grandfather received a call from a XXXX XXXX XXXX, identifying themselves as a collection agency and that they are trying to collect on a student loan that my XXXX grandmother ( cosigner ) cosigned on. My grandfather explained that the debtor is XXXX and to not call again. XXXX XXXX XXXX XXXX advised him that they would put a claim in with the estate for the debt to be paid. My grandfather explained at that time that there is no estate. OnXX/XX/XXXX, two letters were received in the mail from XXXX XXXX XXXX asking for the representative, executor or attorney who is handling the XXXX estate. 

One letter is for the collection of the private student loan that Navient states interest only payments are due while I 'm in school, and the other is for another student loan that is in deferment until XX/XX/XXXX. I see a couple of unethical issues with Navients business practices. 

1. As the primary account holder on these loans, I have not received any correspondence from Navient indicating that my accounts that are in deferment where going to collections? 
2. Why is Navient sending in school deferment loans to collections?

3. Harrasing a XXXX spouse after being told there is no estate and being sent a copy of the XXXX  XXXX. 
4. I am a single mother and have repeatedly have tried to with Navient on repayment plans and in school deferments. Navient has received my monthly income and debts, and has acknowledged that I am negative after my daily living expenses and debts are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Other debt) with Receivable Management Group, Inc. (GA) (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Receivable Mgmt Group has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my knowledge and I have no contractual agreement with Receivable Mgmt Group The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, Receivable Mgmt Group is practicing UNJUST ENRICHMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Payday loan) with ACCESS GROUP INC. (MI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I defaulted on promise to pay because my charge card was lost and in the process of being reissued. I notified them I will pay as soon as I get the new card in the mail. They have called me on my cell and work phone over 12 times today, even after they were notified by email to stop calling me at work. They continue to harrass me at work.

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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was going over a copy of my report and seen it contained address and accounts that I do not recognize. I am requesting that you promptly update and delete addresses that I never resided and may possibly be family members address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 6 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. 

My name is : XXXX XXXX. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX XXXX. XXXX OH My current phone number is : ( XXXX ) XXXX All these number are not mind please remove from your database XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX RESIDED HERE FOR 6 YEARS ( XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is a account from XXXX XXXX # XXXX I do not recognize this account I do my business with XXXX this acount is a error please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Other

Complaint: I lost my job and got behind on my Discover Card payment. I contacted XXXX XXXX, a debt management organization, to help me consolidate my debt to get it paid off. I contacted them, but did not sign any agreement forms with them. On the advice of the Counselor they advised me to get my entire credit account number by calling Discover, this was in the month of XXXX 2015, since I no longer had the card. I called the XXXX number for Discover and was transferred to the collections department. I spoke with the representative and reiterated many times I have not signed with a debt management program I just need the account number. The Discover Collections representative threatened to send my account to their " attorney '' if I hung the phone up. So I was forced into signing up with their collections department 's program if I did not want them to turn my credit card account over to their " attorney. '' I discovered that what they did was unethical and perhaps illegal. I contacted Discover and was assured by a " manager '' that my recorded/monitored call would be listened to and they would follow up with me to know the outcome. I made numerous calls over the next two months to see if what that Collections representative did was unethical/illegal, but to no avail. Fast forward to XXXX I have signed up with XXXX XXXX for debt management services. XXXX contacted me letting me know that Discover had me in their Collections Department debt management program, therefore I could not be in XXXX 's. I was livid!! In XXXX 2015, I called Discover and spoke with a Manager who assured me I would be taken out of Discover 's debt management program. The Manager also said she would forward my complaint on to the correct department. I do n't believe Discover one bit I think they are scammers and if that Collections representative used unethical/illegal collections tactics with me he will use them with everybody

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

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

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Inquiries were removed and reinserted without proper notification

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