milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Called Transunion to report Duplicate unverified inquires on my report. XXXX is duplicate and XXXX is a duplicate. Should only have one inquiry for both.

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 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/XXXX, while shopping on-line, I was offered {$35.00} credit on a printer that I was considering purchasing from Walmart. I could receive this credit if I agreed to apply for a Synchrony Bank credit card. I filled in the on-line application form thinking there would be an immediate approval and then be presented with a method to make the purchase. That didn't happen so I waited for a response from Synchrony or Walmart. After a few days, Synchrony called me to complete the application. When I asked about the {$35.00} credit I was assured it would appear on my Synchrony Card. On XX/XX/XXXX I  received the card, activated it and went online and purchased the printer from Walmart. I Checked my account and discovered that I had not received a credit. Consequently, I called Synchrony Bank and told them I didnt have the {$35.00} credit on my account. My inquiry was forwarded for resolution. On XX/XX/XXXX I received a form letter stating that my claim was denied for one of the following reasons : 1. The transaction amount does not meet promotional requirements.

2. The transaction amount did not occur during the promotional period.

3. The type of merchandise purchased was not included in promotional offering. 

I called Synchrony Bank for an explanation and was told that my claim had been denied because I had three days to make my purchase after the approval of the card. I responded that I had no Idea that there was a three-day limit and that I wasnt apprised of the three-day limit when I placed my application for the card. Furthermore, it took longer than three days for the card to arrive in the mail after approval. I was then told that I had been contacted and given a password that would allow me to make a purchase without the credit card. NO SUCH CONTACT WAS EVER MADE. My claim was then forwarded for further determination. I was advised that it would take one to two weeks for a determination. Today,  XX/XX/XXXX, I received the same form letter that I had initially received denying my claim. 

I applied for the card in good faith expecting to receive a {$35.00} credit on my purchase but Synchrony has decided to stipulate additional terms to our agreement after the fact and without my consent or knowledge. I am sure that this has happened to others in my situation and Synchrony Bank should be held accountable to me and others whove had the misfortune of doing business 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 monetary relief
Consumer complaint received 05/27/2017 about Checking or savings account (Checking account) with U.S. BANCORP (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My bank has put a mark on my checking account report, therefore I can not open an account with another bank. The improper use is this : they are charging me a monthly fee of {$6.00} when they know I am unable to shop around for the best checking account deal. If I close my account, then I will have no checking account.

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 07/22/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: two credit card companies have the wrong info and reporting credit against me. i have tried to have them correct the problem. sent certified letters asking for the social security number to be corrected and nothing happens

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently had a rather unfortunate occurrence with my ex property manager   XXXX   XXXX  .
After little to no communication from her for months, I went to talk with her about a debt she filed mid month, and expected paid within two days for threat of penalty. The conversation went poorly and ended with her threatening to kick me out and telling me she wanted me out by the end of the month.
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My roommate at the time had already left, and signed a paper breaking the lease.
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I proceeded to move out and believed the situation to be done.
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Fast forward two months and I receive a letter from a debt collection for close to {$5000.00} dollars. She is claiming that I never presented proper two months notice and a few other charges. When I went to review the documents she presented to the collector I noticed she had conveniently left out the paper terminating our contract.
<P/>
I have attached below the two only two documents she filed.
( Notice she only filed against me ) So yeah, thats my super annoying problem.
I just want to be rid of this.
I want to go to college and learn in peace.

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 12-05-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Credit determination

Complaint: My Mother-In-Law is XXXX after a XXXX and the only income she receives is from an insurance payment and Social Security. Her income is $ XXXX. However, she was able to go into her local Wells Fargo bank and even though she XXXX, she walked out with a {$5000.00} limit credit card. 
This is ludicrous. Right now it is 0 % interest but that ends next year and whilst I am working with her to pay off the balance, I 'm disgusted that this was allowed to happen. They know that there is no way she 'd be able to pay it off if she maxed it out, how was this able to happen?

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 11/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: I receive my new capital one credit card. Call to activate the card Capital One representative said that security number did not match up. I feel this is a system error po I feel this is a system error in Capital One part. At this credit card for years now with certain there 's a problem with the Social Security number I was forced to close my account with Capital One customer service reps and very rude and disrespectful. But I just recently purchased a car bissell capital one bill my credit report. it for them to say that my so security number his name is ludicrousThank you Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Spoke with Navient collection agency today again asking to lower payments. They asked to speak to my co signer who is approaching XXXX and is in XXXX at the moment. I proceed to make a long distance call only to have the representative ask my cosigner a bunch of questions that flustered her and caused her stress. I 'm willing to pay a lower payment without the help of my elderly co-signer who survives only on her SS income. She uses this money for her own expenses such as paying for medicine XXXX and XXXX pills also XXXX medication, medical and life insurance. Navient rep, then proceeded to hang up the phone on me refusing to help me further. I also asked to have my cosigner released but no assistance with that. I 'm truly disgusted at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Consumer Loan (Installment loan) with Delbert Services (AL).
Issue: Managing the loan or lease

Complaint: In XXXX 2013, during a time of serious financial problems I applied for, and received a loan in the amount of {$2500.00} from Delbert Services, now called XXXX. My loan number is XXXX. To date I have made payments totaling a little over {$10000.00}. When reviewing my loan balance it shows I still owe slightly over {$2000.00}. This is absurd! I not only want my payments to stop, I also believe I am entitled to a significant refund. Please help me with this matter!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (FHA mortgage) with CORELOGIC INC (TX).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. NJ XXXX Phone # XXXX paid the taxes on the wrong property i have been dealing with them for almost 3 months i have showed them the correct tax documents from XXXX county tax office. Every time i call i get a different answer and they tell me they are trying to get it all straight. But the tax office told me that they still have not received a request for a refund and no attempt has been made to pay the correct tax. They paid taxes on XXXX county tax account Number : XXXX, in the amount of {$1100.00} when they should have paid the taxes on Account Number : XXXX in the amount of {$24.00}. as you can see that is a big difference. They paid the taxes correct on my house but not on the lot beside it. And now the county is telling me that if they do not request a refund by XX/XX/XXXX the first they that the county will not refund the money. Can someone please help me. I just want them to get my money back and correct there mistake. and fix my account they raised my house payment because they paid the wrong taxes and think that that 's what my yearly taxes are.

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 10-08-2015 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Billing disputes

Complaint: I had a promotional balance that expired XXXX/XXXX/2015. The XXXX/XXXX/2015 statement balance was XXXX. I paid the full statement balance in XXXX XXXX and XXXX. Barclays did not apply the payments to the promotional rate and instead applied it to charges that were made after the statement generation date and not do an payable until the next statement generated. I was charged XXXX in interest on XXXX XXXX XXXX. I was told they were allowed to apply my payment to charges made after the statement generation date and not to the promotional balance which was paid in full XXXX times prior to expiration. I am also forbidden from " pre-paying '' charges until the next statement. It is a trap designed so that I can never pay off the promo balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with BARCLAYS BANK DELAWARE (MN).
Issue: Closing/Cancelling account

Complaint: Barclaycard talked to me on XXXX XXXX, 2016 informing me that there had been a payment that did not go through to them on my autopay ( though funds were always available and nothing changed on the side of my bank ) on my barclaycard XXXX XXXX. When I spoke to them on XXXX XXXX, I made a payment immediately by telephone which cleared my bank on XXXX XXXX as suggested by the barclaycard associate on the telephone. Barclaycard had never sent me anything in the mail to inform me that there had been any difficulty with the auto-pay or that any monies were owed because of it. The associate told me that my payment of {$91.00} would put the account back into good standing - protecting my credit and giving me the opportunity to continue with my barclaycard XXXX XXXX. In good faith and taking the company at their word, I made the payment. Today, XX/XX/XXXX2016 I received a letter from Barclaycard dated XXXX XXXX referencing a credit report that they pulled on me ( without prior authorization ) that was dated XXXX XXXX, 2016. The letter stated that based on the information that they had on XXXX XXXX that my account was to be closed. Regardless of already possessing this information, barclaycard coerced me into making a payment after the date of the report under the pretenses that my account would be in good standing. Needless to say, that was a lie to simply collect the payment. 

I am concerned that in an attempt to collect on a debt that barclaycard and its employees knowing lied to me about the effects of making a payment while already possessing foreknowledge that the account was slated for closure. I believe that a collection violation and fraud has taken place in the knowing misportrayal of the situation to me by barclaycard.

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 03-07-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Someone in California stole my identity and opened a account with XXXX, leaving XXXX with a balance of {$1900.00}. I have spoken with XXXX rep 's and explained that I have never had an account with XXXX and that I have never lived in California at any point in my life and this account is fraudulent. After trying to resolve this issue with XXXX, I decided to dispute the charge after finding it appeared on my credit report recently. The determination from the credit reporting agencies after there investigation is as stated " Inquiries are a factual record of file access, '' with no explanation of the evidence provided to determine the facts. I know this is not my account or debt. Also the address used for this account the credit reporting agencies have found to be fraudulent in my name, so it seems to me if you proved that the address used for the XXXX account was fraudulently in my name, how come it is not determined that dish network is also not fraud. I can not fight a fraudulent claim on the credit report if I do n't no on what facts the dispute is found factual, so that I might dispute the fraudulent evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received notification that XXXX medical collection accounts had been added to my credit file. I investigated the collection accounts with the credit bureaus and the collection agencies and found out that a mistake had been made and another person with the same name had XXXX medical collection account and had been mistakenly added to my credit file. During this conflict, I was trying to close a mortgage loan and because of this mistake, my closing date has been delayed and I have incurred additional fees to try and clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (I do not know) with Revenue Assurance Professionals LLC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am writing to file a complaint against Revenue Assurance Professionals for {$210.00}, {$68.00} and {$140.00}. I never received a dunning letter to give me a chance to dispute this information. I submitted a dispute to this agency in XX/XX/XXXX and never received a response. I want this inaccurate information removed from my all three credit bureaus XXXX XXXX XXXX XXXX immediately and a letter from the company confirming the deletion of this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Installment loan) with Conn's, Inc. (AZ).
Issue: Managing the loan or lease

Complaint: My loan is through conns. They do not send out statements advising me of my balance. Their online websites does not show me a history of my payments nor does it show me what my current balance is. Customer service states that they do not send statements. Keeping track of what is owed on this loan is very difficult and I have gotten mixed information from the store before which has caused me to be responsible for a finance fee. There is no transparency with the balance of the loan or payments made though there site and I have lost faith in popping into a store to get accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax is allowing XXXX or XXXX or in Equifax case no name collections to report on m credit file in Breach of the HIppa laws Privacy act also MY XXXX was paying this so this company has no legal right to report Equifax is allowing them to do so and sharing this information with out the my consent MY medical records are mine and can not be shared for any reason my medical bills are part of that record.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Payday loan () with Triton Management Group, Inc (AL).
Issue: Charged fees or interest I didn't expect

Complaint: A few years ago I applied for a payday loan at Always Money located off of XXXX XXXX XXXX in XXXX, AL. This company went through name change and my last known balance with them was about {$330.00}. Also this company went through management changes so many times that it got to a point where they could n't find my account in the system and that they said I did not owe them a balance anymore. Now, it 's been a litigation office that calls me non stop almost every day about this account stating that I owe them about $ XXXXplus on the account. The name of the company is XXXX that is located off the XXXX XXXX. They would not give me there full address because of privacy reasons. They call from unknown numbers, local numbers and toll free numbers. When I look up their info on the internet it reads Fraud/Spam and the customer reviews says the same thing. A lady named XXXX XXXX from XXXX says that she will have my located on the premises of my job if I do n't pay them. I feel that this company is a spam and I dont want to give them any account information over the phone to pay them. They call me all day every day and if I fail to answer them they will call my sister, aunt, mom and harass them too. That is also embrassing and I dont know how they could possibily had got their phone numbers but we do not have a common name so that may be the reason. Is it true they can come to my job and serve whatever it is? They never verified my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Federal student loan) with GREAT LAKES (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have been notified that Great Lakes Borrower has been abusing my payment loan plan, by charging me more than they should.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Medical debt) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was forced to apply for Care Credit which is a service provided by XXXX XXXX. XXXX XXXX forced me to apply for this credit and I was approved. I was harassed to charge up the card to the limit once the card came in. Little to my knowing the XXXX  agency had already contacted XXXX XXXX and charged up XXXX dollars to the card without my permission or knowing.

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 04/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX continues to say I owe a paid debt. I have a letter from them saying paid in full and XXXX will not remove either despite complaints and copy of paid in full letter

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