milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NV).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: On XXXX/XXXX/XXXX my brother & I each applied for an individual XXXX XXXX XXXX card, sharing the same last name & address only, but different social security numbers. 
While the website displayed his reference to a decision later mailed at a later date, MY display instruction me to call telephone number XXXX with reference # XXXX, report code XXXX. On my first call the representative accused me of duplicate applications while I stated my brother & I shared last name & location only. 
She then determined an application denial based on excessive credit report inquiries, confirming merging our reports combining inquiries. Several phone calls later to the same advertised number, I 'm transferred to a " special department '' for credit decision that NEVER answers. The application merge & unwillingness to provide results from website phone number is a violation of both the Fair Credit Reporting Act & Consumer Financial Protection Bureau.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Recently, I have began cleaning up my credit reports. I have noticed fairly quickly that I had a unimaginable amount of accounts from  XXXX . I began to review these accounts and noticed a few issues almost immediately. The biggest issue is the fact that I I have roughly  XXXX  accounts showing up as closed with a delinquent status. It is also showing that I have a charged of account status of roughly {$32000.00} total. These loans have been negatively effecting my credit and financial situation since   XXXX  . I have been denied car loans, credit cards and other financial items directly related to these student loans. My current car loan is at 20.9 % apr for a   XXXX   XXXX   XXXX  . I pay {$410.00} on a vehicle I could be paying {$200.00} a month for. I can not begin to tell you just how negatively this has effected mine and my families life. I hope you can offer some assistance or relief in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Just tried to change from the Platinum Rewards card to the Cash Back Rewards card, and was also told it is " not possible. '' I told the customer service member that XXXX XXXX XXXX had already changed my cards in the past and she seemed to brush it off like it was n't their problem. When I tried to explain why I did n't want to cancel my card outright after applying to the new Cash Rewards card ( as many people have stated previously, he life of my credit is still short and canceling one of my oldest cards would negativity impact my score ), she acted like she did n't understand what I was talking about and that I would need to " take it up with the credit bureau. '' This obviously is not a solution, as a credit bureau ca n't do anything to force continuity of a line of credit. However, EVERY OTHER BANK willingly does this for it 's customers. This policy USAA has adopted to refuse to allow you to change cards blatantly takes advantage of their customers by forcing them to keep old accounts open, take unnecessary hits to their credit for applying for a new card, and intentionally damaging their customers credit scores in the likely ( and logical ) event the consumer wishes to close the old card ( multiple cards open for no reason is a liability ). 

There are numerous threads on USAAs forums from customers in my shoes, to which USAA continues to give " cookie cutter '' responses stating they " take our suggestions seriously '' and " will bring them up with management. '' The company continues to attempt to use the Card act of 2009 as a shield to deflect customer complaints, despite customers directly calling them out over the incorrect nature of their claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: In XX/XX/2008 court awarded my exhusband XXXX the property on XXXX in XXXX, Ca. with all encumbrances .. This bank of america loan # XXXX is still showing up on my credit report.. I have contacted bank of america on this subject. This is listed as an invividual on my resent credit reports.. This was a joint 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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: The credit reporting agency refused to accurately report information about my credit worthiness and after asking for debt validation, updated address and employer, credit amounts, they have still not thoroughly completed their investigation but still reporting inaccuracy on 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 non-monetary relief
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This account wasnt opened by me and on top of that this account has shown closed on my credit and every month its still attaching a late fee. This company need to properly closed the account and stop charging it every month.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (I do not know) with COLLECTION SERVICES OF ATHENS, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt was created as a result of identity theft ... ... and this account has been reported on my credit with attempts to collect as this debt is fraudulent i have filed police and ftc reports regarding this matter

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (I do not know) with NATIONSTAR MORTGAGE (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I filed a complaint on XXXX XXXX, 2017 and have not a response mailed to me by Nationstar. What is their problem? I filed a complaint against them and I demand an answer to my complaint, in writing from them immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I contacted the  XXXX  credit bureaus by phone, mail, and online indicating to them that there are multiple inquiries that I do not recognize. However, they failed to investigate and remove these inquires off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: In an attempt to pay off charges related to an  XXXX  vacation, I went online  to Citi Card  and attempt to pay online. On  XXXX   XXXX , I noticed that the funds had n't left my account. I discovered I accidentally used a misnamed account  XXXX  both accounts were named  XXXX  bu t one was pointing  to my   XXXX   XXXX   XXXX   account ). Therefore the payment bounced ... but the funds showed available on m y Citi online  account.     I called customer service on  XXXX   XXXX  to try to resolve the issue ( because the account showed a  XXXX  balance, I was unable to resubmit the payment with the correct bank account. The representative assured me th at Citi card wo uld not try to retrieve the funds gain because it was not an automated account. I would be able to make the correct payment when the account cycles. I removed the offending bank account from my payment options to avoid any further issues.     A few  XXXX   XXXX ,  Citibank again tried  to remove the funds from my bank account, contrary to what the representative said. Through out all of this, I was constantly paying any charges that came up from my use of the card before I realized the issue.     On  XXXX   XXXX , the balance showed on my account and I was able to pay the full balance using the correct account. Days later I noticed my available credit w as 0. I contacted customer support and was informed that my card was being cancelled for 2 bounced payments. ( truthfully it was only submitted once ... they attempted twice. ) I explained the situation to three levels of support. As it turns out, the initial rep I spoke to never recorded the issue I had with my bank on my account. I explained everything again, and the   gentleman said he would submit it to the appropriate department.     The response I received was the payment issues were not due to a bank error and thus the card will be closed. I never claimed it was a ban error ... it was my error ... an error I did my best to correct through the constraints imposed by their automated systems, I 'm in the process of bettering m y FICO scores and t he loss of {$4000.00} in available credit is a big step backwards in this en-devour. Through it all, I was never allowed to talk with anyone that could have helped me fix what had gone wrong.

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 08/20/2016 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Other fee

Complaint: I attempted to make a payment online and their system drew from the wrong account. They refused to make it right. Apparently, this is a common issue for them as their representative stated that they have had several complaints like mine.

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 09/19/2016 about Credit reporting () with Credit Karma, Inc. (ME).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never lived at XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never worked at XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Hello, My student loans were originally serviced by XXXX but were sold to Discover Student Loans a few years ago. On my original promissory note, it states that I could have my cosigners removed for loans XXXX and XXXX after 48 on time payments. Today, I am beyond the 48 payments. I contacted Discover a few months ago and they sent me the cosigner release form. I filled it out and set it back to them over 30 days ago. On their letter, one of there statements says, you should hear something within 30 days. Well, it has been beyond 30 days and I still have n't heard anything. I contacted them a week ago, and they said, just give it the time that is needed. There was no mention when I would receive official word or even if my cosigners are released. 

Two years ago, I had XXXX loan out with them and successfully got my cosigners released after XXXX payments. But, they were doing the same thing like they are now, and I had to file a complaint to inquire what they were doing and why they were stalling. 

For the year of 2015, I have paid discover a total of XXXX dollars. On top of that, I have paid XXXX dollars in interest. My gross income for the year of 2015 is XXXX. My credit score as of today is XXXX. I could come to XXXX instances why it is taking beyond 30 days to respond to my submission of the cosigner release form, it is either because someone is being lazy over there or it is being done purposely, so that they can continue to stretch this out, like they did two years ago and hope that I will give up on my cosigner release. However, they are violating the stipulations in the promissory note. By the way, when I submitted the cosigner release form, I included several pay stubs, so they have all the information they need.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a car loan that appeared on my credit to be open with a balance of {$13000.00} still owed. i filled a complaint with all three credit bureaus to dispute this as the car loan with XXXX XXXX XXXX has been paid and settle since XXXX of 2012. I had a settlement with the car loan company to have XXXX ( a car dealership ) buy the dodge calibur for {$10000.00}. XXXX XXXX XXXX agreed to accept the {$10000.00} for the loan. I have a settlement agreement offer.It would show the loan was paid/settled. I was in good standing and was n't reported as late to the credit bureaus. When i noticed the car loan was still showing it was a current open loan for a reamining {$13000.00} i disputed it with the credit bureaus. I have heard back from everyone and XXXX and XXXX have it update to be true and correct. Transunion has now changed the account to be derogatory, with {$3500.00} in late payments and not paid. I contacted transunion to talk about their findings. I advised them i sent them proof of the settlement and that nothing is owed and that the account was never derogatory. The account should say paid/settled as the other credit companies have reported. They did verify that they received my proof and have it on file however the car loan company gave them different information and they have to go by what the car loan company has given them. I do n't understand how they can report solely on what someone says while the consumer has proof of the settlement. This discrepancy has cause my credit with them to plummet XXXX points since their false update. I have attached what experian concluded from their investigation which was true and correct and attached what TRANSUNION HAS FALSELY REPORTED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Other debt) with Focus Holding Company (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: At least  XXXX  credit burea u (  XXXX  ), has repor ted an outstanding debt that is not mine. The original creditor is  XXXX   XXXX . I have not been a customer of  XXXX   XXXX  's for over a decade. The company reporting the debt to the bur eau ( s ) is Focus Receivables Management.      In late  XXXX   XXXX , I spoke t o Focus Receivables Management. The  agent advised me to file a dispute with  XXXX   XXXX . She said she believed it may be for some one else with the same name as me.     I filed a dispute with  XXXX   XXXX  on  XXXX / XXXX / XXXX . I have attached the incident number. On  XXXX / XXXX / XXXX , I received a written notice stating they will remove the INQUIRY from my credit report. I was confused by this, as it is not listed as an inquiry on my   XXXX   report. It is listed as an unpaid collection debt.     When I filed a dispute with  XXXX , I received a notice stating that the debt was verified belonging to me. I filed this dispute on  XXXX / XXXX / XXXX . I have attached confirmation number for this too.     Additional Information : The amount owed is {$850.00}. The date reported was  XXXX / XXXX / XXXX . The date of first delinquency was  XXXX / XXXX / XXXX . The date assigned was  XXXX / XXXX / XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a complicated issue with an old charge account. The original creditor was XXXX XXXX, now XXXX Bank. Some background on this issue is that my sister and I had the same surname and lived at the same address, our ssn 's are identical except for XXXX digits being transposed. We XXXX had XXXX cards at the time and if information got applied to the wrong account it would not be the first time. On my card I bought furniture that was delivered damaged, after XXXX attempts to repair it I was told by the sales manager he would apply a 10 % discount to the account I made the purchase on. Now on my credit reports XXXX is showing XXXX entries for XXXX 2014, XXXX with an {$84.00} payment and a total of {$630.00} charged off. XXXX is showing {$280.00} charged off, and my original XXXX report shows XXXX charged off but also shows {$84.00} payments made XX/XX/XXXX of 2014. I disputed this original account because the amounts and payments did not seem right, and after the dispute XXXX updated the account to paid after collection. When I called XXXX to ask about the payment history and final account balance, I was told the account was sold and they did not have the records. If I ca n't confirm that this is my correct account information, payment history and status of the account this should net be on my credit report. And that leads to the fact that if there is inaccurate balances on the original then the resulting collection account is also inaccurate. I know an online dispute just checks credit bureau data against what the reporting company has and I do n't believe that any of this information is accurate. Which charge off amount is correct? what interest was charged? are fees included in the amount? was the 10 % discount applied to the right account? was it applied late? 
Additionally, I sent a validation request to Portfolio Recover as soon as I was aware of the collection account. I never received a letter, I found the entry on my credit report. I sent the letter certified mail to the correspondence address listed on the XXXX XXXX entry on my report and it was returned undeliverable. I understand that this may be an old address, but if Portfolio Recovery is stating that they sent me a dunning letter to an old address and my failure to respond implies the debt is valid, then the same should apply to my letter and imply it is not validated and should not be being collected on or reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was suppose to be removed from my credit report due to inaccurate information and I 'm also taking care of it directly with XXXX XXXX XXXX. The account was removed from my transunion report but not my equifax. It is now XXXX XXXX,2017 it 's been over 60 days since I filed this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: In an attempt to retrieve my free credit report from all XXXX of the major credit companies ( XXXX issued a warning ) I was able to obtain my credit reports from XXXX and XXXX without a glitch. However, when I attempted to retrieve my report from Equifax, I was told that they were unable to deliver my free report online without explanation nor a customer support number so that I may inquire myself. After searching their website it is apparent they do not want me to call and only offer this service if I sign up and pay for something. Quite frankly I believe I am owed an explanation for not being able to view my account information and as XXXX of the major credit reporting companies they should have customer service freely available to answer any questions not hide behind a service I need to sign up and pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Debt collection (I do not know) with Convergent Resources, Inc. (MI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I 'm not sure if this is considered impersonating, but I received a letter on XXXX/XXXX/2016 from XXXX XXXX. The letter stated I owed over {$1600.00} to XXXX. I have never had XXXX in my life. They spelled my name wrong, and I ca n't get a hold of anybody. I also called XXXX, and talked to the collections department, where they could not find my name, the name it was supposedly under, or anything of that nature, and they were looking at every account they 've ever had. XXXX ( who I supposedly had the account with ) has no record of me whatsoever. When I asked if they do business with XXXX, they stated they do business with XXXX in the state XXXX so if I ever did get a collection notice ( which, she stated, was impossible from XXXX because she looked, and I never had an account ) to disregard it, which is exactly what I 'm going to do. However, I would appreciate an explanation as to why this company is exploiting and butchering my name.

Company response to consumer: Closed with explanation