milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had received a phone call from my bank that they are going to close my line of credit because of my credit score has changed and I asked them it must be a mistake and they give me few weeks to take care of the problem. I immediately purchased a copy of my credit report from XXXX where I noticed my credit score has dropped down by XXXX points due to a collection account from a company called convergent outsourcing for an unpaid XXXX account that is not mine. earlier today I spoke to XXXX which was not cooperative to remove this account from 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 03-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OK).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: My Citi Card credit card has trip delay insurance as part of its benefits ' package. On XX/XX/XXXX filed a claim, Case Number XXXX, Citi card ending in XXXX, in connection with an overnight delay in my trip caused by maintenance issues with XXXX XXXX. The trip date was XX/XX/XXXX. My claim was denied. I requested the credit card company re-evaluate and I made a phone call, and it was again denied. 
My flight from XXXX airport on Thursday, XX/XX/XXXX, was delayed over 12 hours until the following morning, Friday, XX/XX/XXXX. As a direct result of this delay, I was forced to spend the night with my family in XXXX, incurring meals, hotels, and other expenses. I submitted all the documenation of the expenses and the delay as required in my claim form. Prior to incurring any expenses for hotels, meals and other travel expenses. I contacted Citicard Benefits on the evening of XX/XX/2017, to ensure my trip and travel delay expenses would be covered. I pulled up the language from my benefits ' package before incurring any charges on XX/XX/2017. I am a lawyer, and I read through their benefits, and I believed my expenses would be covered. I called them to double-check that I was interpreting the language correctly. 
When I called, Citicard Benefit representative assured me that my trip was covered. I can provide you evidence from my cell phone records of this phone call, should you desire it. In reliance upon the assurances I received from Citicard 's Benefit Specialist, I proceeded to incur expenses in the amount of {$660.00}.

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 monetary relief
Consumer complaint received 10-12-2016 about Bank account or service ((CD) Certificate of deposit) with POPULAR BANK (NY).
Issue: Account opening, closing, or management

Complaint: This is my third complaint since I opened an account with ELoan ( three months ago ). The issue is with the interest that is compounded incorrectly each month and then transferred into my outside account. The interest for XX/XX/XXXX and XX/XX/XXXX was corrected in XX/XX/XXXX and documented in a letter to me from XXXX XXXX ( Customer Care Popular Community Bank ( no phone number or address on the letter ). The current issue is the XX/XX/XXXX interest which is short. I ca n't imagine any reason why a bank ca n't calculate the correct interest on an account unless they have their computers set to defraud their customers hoping they wo n't become aware of the discrepencies. XXXX XXXX informed me in his letter that I could not close the account ( the best resolution to the matter ) unless I accept the applicable penalties.

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 monetary relief
Consumer complaint received 10-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I received my XXXX in XXXX, XXXX in XXXX and injured at work in XXXX. I am unable to pay the XXXX of student loans since I have n't been working. Please email the process, links and information to file for the lawsuit against XXXX. 

Thank you for your prompt attention to my request. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a security data breach where my information was exposed leaving me at risk for potential identity theft and fraud. Equifax knew about this breach on XXXX XXXX XXXX yet did not let the public know until XXXX/XXXX/XXXX. The breach lasted from XXXX XXXX through XXXX. I am left vulnerable for a variety of my protected information to be used improperly causing damage to my credit, my identity and my future.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with FIRST ADVANTAGE CORPORATION (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: First Advantage conducted a criminal background check on me and rendered results that included false, inaccurate, incorrect and imcomplete information. I have had to dispute this issue with First Advantage several times to have the errorneous information removed. First Advantage is a violator of the FCRA. First Advantage removed/deleted the errorneous information in XXXX XXXX, reinserted the errorneous information in XXXX XXXX, reinserted the errorneous information in XXXX of XXXX and removed the errorneous information again in XXXX XXXX. Recently, XXXX XXXX First Advantage reinserted the incorrect, incomplete, inaccurate infromation again causing me to be denied employment. Please see attached : the attached case XXXX shows where the case was DISMISSED and I was never charged nor incarcerated, First Advantage has failed and neglected to include this pertinent information in the background screening and DISSIMENATED this inaccurate, incorrect, incomplete information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I HAVE ASKED 3 TIMES FOR AN INCREASE ON MY CAPITAL ONE CREDIT CARD # XXXX. ALL 3 TIMES WAS TOLD NO > DUE TO LOW BALANCE KEPT ON THE CURRENT LIMIT. I BEEN A LOAN OFFICER FOR OVER 22 YEARS. NEVER IN MY LIFE HEARD > SORRY WE CAN NOT INCREASE YOUR LIMIT DUE TO THE BALANCE YOU USE IS TOO LOW. UNDERWRITER APPS > TRUST ME CREDIT CARD USAGE UNDER 20 % IS A GREAT CREDIT FACTOR WE LOOK AT. LOW RISK AND RATIO LOW % ARE A POSITIVE FACTOR. SO WHAT!!!! IF I WANT A CREDIT CARD FOR $ XXXX OR HAVE A CREDIT CARD FOR $ XXXX AND KEEP OR DO NOT KEEP A BALANCE. PAYMENT HISTORY IN MY SINCE HAVING CREDIT 1995 I HAVE MAINTAIN AND PAID AS AGREED ACROSS THE LINE. SO WHAT IF IN WOULD LIKE TO INCREASE MY LIMITS ON ALL MY LINES AND CREDIT CARDS > IT MINE PERSONAL CREDIT HISTORY THAT I WOULD LIKE TO MAINTAIN AND KEEP UP. I USE THE CAPITAL ONE CARD IN XX/XX/XXXX FOR {$2000.00} AND PAID IT OFF IN 60 DAYS, BUT CAPITAL ONE CREDIT CARD NEVER COMPLAINT ABOUT THE {$40.00} FEE PLUS {$50.00} IN INTEREST THEY MADE IN 60 DAYS RIGHT???

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Mortgage (Conventional fixed mortgage) with CORELOGIC INC (NC).
Issue: Application, originator, mortgage broker

Complaint: CREDCO MADE A LOT OF INQUIRE ON MY CREDIT REPORT WITHOUT MY CONSENT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Debt collection (Credit card debt) with Second Round Limited Partnership (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do not know who they are or what they are looking for out of me they are based out of XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX, I discovered credit item XXXX XXXX account number XXXX had been re-inserted into my credit file. I disputed the tradeline with TransUnion and on XX/XX/XXXX, the tradeline came back Verified as Accurate. Per the FCRA, TransUnion is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. As evidenced by my report dated XX/XX/XXXX, the Date Closed states XX/XX/XXXX and the estimated removal date states XX/XX/XXXX. As evidenced by my report dated XX/XX/XXXX, the XXXX XXXX tradeline is no longer listed. Now according to my report dated XX/XX/XXXX, the tradeline is listed with a Date Closed of XX/XX/XXXX and estimated removal date of XX/XX/XXXX. This item has resurfaced after the FCRA reporting period has expired so this item must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Payday loan () with Greenback Recovery Group, LLC (TX).
Issue: Can't contact lender

Complaint: I asked Greenback Recovery Group to stop calling my job, but they refuse to do so. Today, XXXX XXXX, 2015, I am sending a letter to the company with the request again. I know that I have a debt to be paid, but I asked them to stop calling my job.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My name is  XXXX   XXXX   XXXX  and I have a Private Student Loan with Navient. I am   XXXX   XXXX   XXXX   XXXX   XXXX  and have filled out paperwork and have submitted doctors statements, but have been told that I do not even qualifiy for forgiveness. I can barely afford to eat and pay my other bills and have explained this to Navient and tried to work with them, but they refuse to do anything and have continued to call  me three ti mes a day, every single day, even on  Saterdays, Sundays and at night, early in the morning and all different times harassing  me about payments for months on end. They give me no options and I do n't know what to do! I need help. If someone can help me please call at  XXXX  Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Received an alert on my Experian credit file stating that XXXX. reinstated a collection Account ( XXXX ) That was previously removed. Alerted on XX/XX/2017 of this new account and then again on XX/XX/2017. I never received the 5 day notice required by law that the account in question was legally validated. I have no contract with this 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 09-06-2015 about Debt collection (Auto) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A man contacted my XXXX year old grandfather and stated he was looking for me and I had 1 hour to return his call or he would be at my house serving me with warrant papers and arrested due to a auto repo that had taken place almost 7 years earlier. i spent over 2 hours negotiating this old debt over the phone with what seamed a legit company for HSBC. I was assured this debt was settled after making a payment over the phone. It would be cleared from my credit as a closed paid off satisfied debt. This was thought to be resolved over a year ago. After all this the account is still showing open, incorrect dates and owing monies and negatively effecting my credit. I am in disbelief this is still unresolved and mortified these creditors can get away with such drastic threats.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I did not receive a statement for XX/XX/2017 with Citi Cards. I sent in the payment without the statement, just the check. I am now being charged a {$35.00} late fee that they refuse to remove.

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 monetary relief
Consumer complaint received 06-05-2017 about Debt collection (Medical debt) with Credit Bureau of Bessemer, Inc (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have never had business dealings with credit bureau of bessemer.they have numerous of accounts on my credit report..i have disputed with the credit bureau but have came back verified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (GA).
Issue: Problems when you are unable to pay

Complaint: American Honda Finance reports false information on my credit reports. They show multiple repossessions for an account not associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Struggling to pay mortgage

Complaint: After several attempts to get a modification to no avail, I was not able to get lender approval for a modification. I had no other chose but to sale my home. I never receive anything from the lender giving me other ways or options to avoid foreclosure. When I decided sale my home to avoid foreclosure, I listed my home for sale with a Real Estate Broker and later received an offer to purchase the property. I contacted the lender to let them know I wanted to sale my house and requested a short sale package. The lender representative XXXX, told me that the real estate person needed to do that and to get the SS package online. I also asked for a pay off statement to see what exactly did I owe and the lender XXXX, said that the real estate agent or escrow handles that and the lender asked me if I had a buyer and I told them that a lot of people have been looking at the house. Once I received an offer from a buyer my agent contacted an escrow company who then contacted the lender and submitted per lender request a complete short sale package ( that was googled and found online ) to the lender along with the listing agreement, purchase agreement, buyer POF, HUD statement, and occupancy certification per the lender request. I also submitted a request for relocation assistance. The file was sent to the lender for SS approval, after several lender request of documents. Which means to me they had time to review and make a decision on the SS package. I received a letter stating that the lender received the package and it was in the process of being reviewed. Waiting patiently, today I was notified that the SS was turned done without reason and the sale was not going to be postponed which is taking away my right to avoid foreclosure by short selling my home and creating a hardship by not having any relocation money.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This company is illegally reinserting previously deleted items that were inaccurate on my credit file. They did not investigate the proper items I requested, but instead decided to reinsert not within the proper time frame allowed by law, and they did not notify me of doing so. They are also blocking my credit file from any government agency, and 3rd party and sight that it is for " credit file integrity, '' which under no statue of the FCRA does it state that they have the legal standing to do so. I would also request that they pull my credit file out of the office of consumer affairs because once again there is not legal standing for which they are holding my credit file hostage. I have spoken to my local states attorney and this is not resolved in an amicable way, My next correspondence will be coming from the circuit court in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On or around XX/XX/17 I was reviewing my credit report and I found several HIPPA Act violations. I am requesting a investagation according to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims I am allowed to review any and all documents related. I need to review the following documents from these companies 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX Please notify these companies to cease and desistFRCA 604 ( A ) ( 3 ) all contact and communications with me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Dear CFPB : I have been a longtime user of Chase banking service. On XXXX XXXX, XXXX, I had decided to close a Chase XXXX credit card account as it was redundant with other accounts I had with Chase. 

Two months after this event on XXXX XXXX, XXXX, I realized I am missing more than XXXX of Chase Ultimate Rewards ( UR ) points. Ive earned these cash equivalent loyalty program points of Chase by opening up a new credit card account, paying a large amount of annual membership fee, and spending of specified dollar amount during given time period. What I did not realize was that these points were individually synced to each card, not collectively to my Chase bank profile. Moreover, without informing me, the points I earned through the card disappeared 30 days after I closed the account. 

I had a phone conversation with the Chase customer service center as soon as I realized this incident on XXXX/XXXX/XXXX. The customer service representative tersely replied to me that the points were discarded per their company policy. Though she confirmed that the amount of discarded points still could be seen on their electronic system, she said she would not do anything. I further emailed the Chase customer service through their message system to see if I could recover my point. They repeated simply telling me per their company policy, they will not help me recover the point. I contacted several other customer representatives to discuss the unreasonableness of the incident, however, the attempts were futile. 

The amount of points I lost due to this incident is a little greater than XXXX. What particularly disappointed me was that Chase bank did not try to actively inform or warn me about the less known rules of their loyalty program. It was merely mentioned in fine print in the middle of long documentation I received from them through Chase online message system. Absolutely no further notifications were given until and after they completely discarded my hard earned points. They never notified me further about this before discarding my points. As I have multiple other accounts with Chase, had I simply been more promptly notified, I would be able to keep these UR points by transferring them to another card account. What kind of a banking service volunteers to discard what is equivalent to {$1500.00} that belong to me without even making some attempt to tell me about this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2015 about Credit card () with SYNCHRONY FINANCIAL (ND).
Issue: Identity theft / Fraud / Embezzlement

Complaint: HH Greg via Synchrony Bank has issued store credit cards in my name that were fraudulently issued to someone else as store credit. HH Greg is the focus of this submission. Syncrony Bank has frozen the account and will be sending me information but this is a follow up to fully document the incident. I have not filed a loss as yet since the representative I spoke with assured me they would be clearing the account from my credit history. I first became aware of the fraud when I received a billing statement on XXXX XXXX, 2015 and called them immediately. I am not claiming a loss on this submission giving Syncrony Bank/Financial Services the opportunity to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX ... To Whom It May Concern : I have been paying for the 2 credit cards with XXXX. It has come to my attention from the credit bureau that the credit reporting for the 2 accounts is not proper. 1. There has not been any reporting on the credit card to the credit bureau from the time XX/XX/XXXX to XX/XX/XXXX. 2. There has been late payments reported on both the credit cards but the fact that there was automatic payments scheduled. I was even charged late payment fees on the credit card. 3. This is negatively reporting on my credit report and it is causing problem in getting a home loan for me and my family with XXXX kids. 4. I have always been diligently paying my bills and did report to XXXX about the incorrect reporting and no reporting but there has been no action taken so far. Please delete the negative entries of late payments from all the 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