milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2016 about Credit card () with CITIBANK, N.A. (AL).
Issue: Advertising and marketing

Complaint: This weekend I went into Costco to look at getting the Citi Visa card I saw advertised while previously pumping gas at a Costco gas station. My main interest was the cash back the card offered. the main advertisements I saw in different places were the high percentages of " cash back '' for different purchases. After consulting a Costco associate at the customer service desk, she confirmed all the things I had seen in the advertisements about the reward, I decided to fill out the application. The application was taken via iPad mounted on the desk. Near the end of the application it asked me to confirm that I had been given the full written disclosures in writing that I could keep. Before I confirmed I asked the associate If she had planned on giving the disclosure and she replied, " Yes, I have them here to take with you if you want when you 're finished. '' I then completed the application and was approved. It was n't until later at home when reviewing the disclosures did I find out that ( on page XXXX of the brochure in much smaller font ) that the " cash back '' bonus was only given annually in XX/XX/XXXX and that it was n't issued as cash at all. Its issued as a coupon only redeemable at Costco. This has proven to be very deceptive advertising and customer service practices. Under the CFPB 's UDAAP guidelines the reasonable customer would never find out in this process the true aspects of a false " cash back '' offer. Its also to be noted that the main informational brochure has on the front page " GO BIG WITH CASH BACK REWARDS '' ... keep in mind that the words " CASH BACK '' are by far the largest font on the entire brochure. On page XXXX of the full credit card agreement it states, " Requests for cash MAY be fulfilled in the form of a check at Costco 's discretion. '' How is this in any way cash back? This is basically a coupon or gift card only to be used at Costco. It would be completely different if the advertisements stated 'Cash Equivalent Back '. As a reputational risk this could easily be viewed as predatory lending relying on customer 's relationship with Costco and the high likelihood that customers wo n't find out the true aspects of this reward program until far later causing unavoidable material financial harm.

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 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have contacted Experian about three weeks ago disputing several items on my report. Today I received a notice from the company indicating that my credit score and worthiness changed. This is from the same companies. This is the same for the other XXXX reporting agencies.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX, XXXX and Transunion all are reporting that I paid my XXXX XXXX mortgage late. I did a Home Modification with XXXX XXXX. I even have a letter from XXXX XXXX that I have submitted to all three credit bureaus stating the negative information on my account is incorrect. It is still being reported as late on all my credit report. XXXX XXXX stated it would be deleted. I have disputed with all three credit bureaus who have yet to correct it. I have never paid late! 

There's also two XXXX XXXX XXXX accounts on my report. I have never had any other mortgage. I have only had one. They gave me a new account number when XXXX was bought by XXXX XXXX but that doesn't change that fact that I've one had one account ( it isn't a new account ) and that I have never been late.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to unfreeze my credit report. It could not be done online, and asked that I send in documents. I sent in all documents. They charged me the XXXX $ fee, but have not unfrozen my 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 non-monetary relief
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Amsher collections states I owe {$1200.00} for XXXX XXXX. I have disputed XXXX XXXX claim before in XX/XX/XXXX but now a new one appeared on XXXX XXXX. I have no account with XXXX XXXX or Amsher collections. I have never had services from XXXX XXXX. I have lived in apartments the last 10 years none of which allow for XXXX .I disputed with XXXX company tried to say it was a accurate account. I called XXXX they only transferred me around and continually asked for my ssn. Was sent to the Spanish line twice, I do not speak Spanish. Never sent information about this debt only saw it on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I requested and received a credit report from Transunion in   XX/XX/XXXX   and discovered that it did not list a long standing (  XX/XX/XXXX  )   XXXX   XXXX   XXXX   Credit card, which had previously been listed. I called Transunion and was told that it was up to   XXXX   XXXX   XXXX   to report the account. I then contacted   XXXX   XXXX   XXXX   regarding the problem and they created a case and said they would investigate. I received monthly letters from them saying they were still working on the issue until   XX/XX/XXXX   when I received the attached letter (   XXXX   XXXX   XXXX   Case Response ) in which they stated that Transunion informed them they were unable to reinstate the account. I then contacted Transunion and, after multiple attempts, was told that I should have   XXXX   XXXX   XXXX   contact their Marketing Department. I then contacted   XXXX   XXXX   XXXX   and was told that they had contacted Transunion multiple times and were unable to get them to add the account. They said Transunion told them it was because of their " purge regulations ''. They also said that they are reporting the account to Transunion monthly, but that they refuse to accept it. I then contacted the WA  AG office an d filed a Complaint, a copy of the context is attached ( Information Provided to Wa  State AG ). I r eceived a response from Transunion, a copy of which is attached ( TransUnion response to WA AG complaint ). They state that they only report information verified by the creditor and that information has not been verified. That is obviously in direct contradiction to the information I received from   XXXX   XXXX   XXXX    I did receive the credit report referenced in their response and it still does not show the   XXXX   XXXX   XXXX   credit card although it does include a   XXXX   XXXX   XXXX   HELOC.

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 10/19/2016 about Debt collection (Payday loan) with GMA Investments, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I had did a payday loan over a year ago and a company called summit recievables a collection agency keeps calling me threatening me to take me to jail because i wrote a faule check they will proccess if i dont pay them. I never wrote a check and was over drawn and account was closed. 

Summit Recievables Address : XXXX XXXX XXXX , XXXX, NV XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Medical Data Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: MEDICAL DATA SYSTEMS has placed an unauthorized fraudulent item on my Consumer report. MDS has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit.

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 EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am unable to purchase my Equifax credit report through any means. Can not obtain credit report directly from Equifax website, any external website such as XXXX, or XXXX. All keep giving an error that Equifax has blocked access to my credit file. When I spoke to the Equifax Rep they advised me the reason was because my " file was too large '' and I had " too many soft inquiries '' and I needed to wait for them to fall off for me to access my credit report. I have never had this issue with any of the other credit reporting agencies. Supervisors are clueless as to why I ca n't pull my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: I sold {$300.00} worth of XXXXXXXXXXXX on XXXX XXXX. After the 3 dollar fee, I should have received {$290.00}. The XXXX wallet STILL shows this as pending to this date even though the 'arrival ' date STILL shows as Monday, XXXX/XXXX/XXXX. Obviously, that didnt happen It has now been 16 days for something that should have been relatively instant. 

I 've called over 11 times, emailed, tweeted, and have created tickets to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Before my near fatal car accident in XX/XX/XXXX I have n't been steadily employed however was very proud of my excellent Credit Score & Credit Report. I feared not being able to juggle my finances properly after the accident because I had diagnosed at XXXX XXXX  XXXX XXXX with XXXX XXXX due to XXXX XXXX XXXX ( XXXX ), combined type ( XXXX ) and by my XXXX with XXXX with XXXX XXXX XXXX XXXX which I am now receiving Social Security. 
After a while I began checking my Credit Reports from all 3 of the major credit reporting agencies ( CRA ) and found suspicious accounts, amounts, addresses, dates, names and inquiries throughout my personal file. I have been challenging and disputing the Creditors as well as the CRAs for nearly 10 years ( XX/XX/XXXX-XX/XX/XXXX ) about the accuracy of my information to no avail. Most recently, I have been told how to dispute my claims more systematically by using certified mail with a return receipt. I have managed to get some of the inaccurate information changed but still have a huge struggle as I continue to dispute & challenge other misinformation documented in my credit report. 
Beginning in XX/XX/XXXX, I decided to keep track of ALL of my letters I send to the CRAs. As of today, I have sent 4 different letter to Experian ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 3 different letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 3 different letters to XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).
I 've requested via Fair Credit Reporting Act ( FCRA ) in every letter mailed to the CRAs to provide physical verification as well as verifiable proof of an original contract with my Signature on it but am ignored and denied on every occasion. I have suffered so much frustration and rage because of this willful negligence and disregard of the law that I now see my XXXX 4 times per month. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 01/15/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: In 2013 my lender purchased my loan which was just modified. They sent me a XXXX Cancellation of debt for roughly {$56000.00}. I filed it with my taxes. They sent me a payoff letter that I requested immediately after receiving the tax XXXX c cancellation of debt of roughly {$37000.00}. On the website it says I only owe them {$37000.00} but on my credit it says {$86000.00} is owed. They told me that the IRS told them to give me that form but not to cancel the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted this agency for validation regarding XXXX debts that they claim I owe in the amounts of {$460.00} and {$480.00}. I have no knowledge of these accounts and they both have been disputed. To date they have only sent bill statements and nothing more and have done this twice claiming that was how they validated the account. XXXX is not acceptable for me. I am requesting that they send proof that I am indeed who they are saying owes this debt by sending a contract or agreement with my signature rather than a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING XXXX I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE XXXX I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit card () with DISCOVER BANK (CT).
Issue: Billing disputes

Complaint: Discover credit card site shows incorrect amount, instead of {$79.00}, it shows {$130.00} and it I try to make payments, it shows {$130.00}, which is incorrect Last Statement Balance {$0.00} Payments and Credits - {$120.00} Transactions + {$200.00} Current Balance = {$130.00} Next Statement Closing Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted the  XXXX  to notify them that they were reporting some incorrect information to my report. I requested that they validate this information and as of today they have not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Ocwen. My monthly payment is {$220.00}. On the XXXX of each month I pay {$310.00} which leaves XXXX towards principal. On the XXXX of each month, I pay and additional {$400.00} towards principal. All total I shoulld have a total of {$550.00} credited towards my Principal. Since XX/XX/2013, when Ocwen obtained the servicing, I have paid over 39 months an additional XXXX towards my principal. My principal balance should be {$14000.00}, and not the {$18000.00} Ocwen is showing. Ocwen has disallowed me to log in to my online account. I registered my mortgage with ocwen in XX/XX/2013 and was able to log on and view all payments and history and view my loan documents. Because I filed my complaint, Ocwen have denied my access to the account. I called several times and was told that there was nothing they could do, and that I need to request any documents I need to look at in writing. I was also told that I can request statements. Why am I being treated different than any other account holder? Why am I being denied to view my payment history. Why is Ocwen hiding my payment history? Why is my bank account showing that I have paid more money than Ocwen has credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for Chapter XXXX bankruptcy protection on XX/XX/XXXX. At that time, my property, financed with a mortgage and HELOC with Chase, was declared exempt and my Statement of Intent declared that the property would be retained and that I intend to " Continue to make monthly payments as they become due, '' which I have done fully and on time. However, Chase flagged both accounts as " in bankruptcy '' As a result I never received any notice that the interest rate lock on my HELOC would expire on XX/XX/XXXX, so I missed the " drop period '' for setting a new lock on the interest rate. Chase is claiming that since I missed the " drop period, '' I am not eligible to place a lock on my HELOC. When I escalated this issue to the Bankruptcy Escalation Department at Chase, I was read what was described as a standard disclosure notice that sounded to me like Chase has the option at any time to close my account and proceed with foreclosure on my property. I declared that I did not give my consent to proceed and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, IL. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached XXXX XXXX Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in Texas. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting XXXX ( Now doing business as XXXX XXXX XXXX ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, Equifax, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX let the vehicle sit on that lot for 5 months and failed to notify XXXX. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that XXXX dba XXXX. XXXX XXXX immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient failed to provide us with viable options to repay student debt. Loans sat in forbearance and deferment or were delinquent for 7 years. During that time we accrued over {$17000.00} in interest. We are unable to pay these loans and Navient will NOT help us.

Company response to consumer: Closed with explanation