milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I tried to get all XXXX free annual credit reports online but was informed that the request could not be processed online. So, on XXXX/XXXX/15, I mailed my request using the completed paper form along with copies of the requested documentation to the XXXX Request Service in XXXX. I requested a report from all XXXX companies. I quickly received my free report in the mail from XXXX. But I never received my free reports nor any other communications from Experian and XXXX. I want those latter XXXX companies to send my free reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I graduated from a XXXX program in XXXX of XXXX. I started a XXXX in XXXX of XXXX, however was not supposed to be listed as being in school and my loans spent the usual amount of time in the grace period, ending in the XX/XX/XXXX. I immediately signed up for a income based repayment plan and autopay to take advantage of the .25 % reduction in interest. I was then notified that my loans were back in deferment because the school had listed me as a student. In XXXX, I began the process of trying to solve the situation, however most employees at Nelnet that I spoke with had no clue of the correct way to proceed. After sending exact information that I was told needed to be sent from my school, I was told that it was not sufficient and that I needed to send a specific form. Unfortunately, my school listed the incorrect year again and delayed the process. It took me a while to get back to address the issue. Every person I spoke with indicated that there should be no problem retroactively applying the 0.25 % interest reduction once resolved to the original sign up date. I was just notified today that they would be retroactively applying the discounted rate to XXXX because that is when they received the correct form. There were multiple failures from Nelnet in processing this problem and should have been solved with the first phone call. They are acknowledging that there may have been human error, but refuse to retroactively date the interest reduction to when it was initially applied. The representative I spoke with today indicated that leadership had reviewed the issue and this was their final answer. I do not accept this as an acceptable conclusion to their failures. They indicated the reason was that I took so long to turn in the 2nd form with the correct year of graduation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax continually deletes XXXX then re inserts the information, purposely damaging my credit score causing financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose prepaid card) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: In XX/XX/XXXX, I saw an advertisement for BBVA Clearspend prepaid debit card. The ad promised a {$25.00} bonus credit if I opened the account between XX/XX/XXXX and XX/XX/XXXX and loaded {$100.00} on the card prior to XX/XX/XXXX. I opened the account XX/XX/XXXX and loaded {$100.00} on it on XX/XX/XXXX via a bank transfer from XXXX XXXX. The details indicated I would have the {$25.00} credit loaded on the card with 8 weeks. Starting in early XX/XX/XXXX, I called the support number listed on the website which is only number they provide - XXXX ( XXXX ) XXXX. I called three times and each time the representative agreed I was entitled to the bonus and they said they would send the request on to the appropriate unit within their organization. I do n't have the exact dates however they were approximately once every 30 days after the first call in XX/XX/XXXX. After the calls did not result in the {$25.00} credit, I mailed 2 letters, one on XX/XX/XXXX and one on XX/XX/XXXX, to the only address I could find for them which was the return address on a piece of mail sent from them regarding privacy. The address was XXXX XXXX XXXX XXXX, AL XXXX. They do not provide any mailing address on their website contact page ( https : //clearspend.bbvacompass.com/XXXX ). In the letters, I again requested that they credit me with the {$25.00} and I provided all the card information they would need. I received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: I filed this complaint on XXXX XXXX, 2016. It has been more than 60 days and even though I received a response from Citibank with a positive resolution to the issue, the miles promised have not posted in the account. The original complaint was this : I opened a checking account with Citibank online on XXXX XXXX of 2016. The account is a citigold and I opened it online and used a promotional code to receive XXXX american airline miles. I had to meet certain spending and payment requirements within three months, which I did. When I opened the account online I used this promotional code XXXX, which was then confirmed as valid. Three months later, I followed up via chat online with a representative of Citibank who confirmed that I was eligible for the promotion. Early in XXXX I sent a secure message to citibank to follow up on the promotion as I had already waited 90 days since meeting the requirements and no miles were posted to my account. The reply to that message as that I was not eligible for the promotion. Thus I am following up with a complaint to the consumer finance protection bureau as I believe Citibank misled the potential consumers. 
I have participated in many other promotions online for finance institutions and when I was not eligible for a specific promotion, the system would let me know as I was taking steps to open an account. Citibank 's actions are not acceptable as I spent time and money to open the account, invest funds, set up payments, follow up on the promotion, with contradicting messages from the representatives. 
Thank you, XXXX XXXX The current claim number is : Case number : XXXX

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 01/26/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been on Administrative forbearance thru Navient while my Defence of Repayment is reviewed by the Department of Education. I have contacted Federal Student Aid and they agree my DTR is still being reviewed, thus allowing me to be on administrative forbearance. Navient refuses to recognize this and demands payment. Department of Education website and via phone call shows i do n't owe a payment till 2021 due to DTR review. Navient wo n't accept this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My wife and I noticed a fraudulent credit card charge from a mail order cosmetics company in XXXX of XXXX after reviewing our XXXX statement. At the beginning of XXXX we contacted Walmart Synchrony bank to report and dispute the fraudulent charge ( XXXX ). We provided the amount of the dispute ( {$260.00} ) the date ( XXXX/XXXX/XXXX ) and also cancelled our old card and ordered a new one to prevent further unauthorized charges. I have made more than 10 calls to the credit card company since then and keep getting the run around. Today they said their investigation shows the charge was valid and my claim denied. It is extremely frustrating as we have no clue as to what the charge was for and never made a purchase to this company we had never heard of.

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 10-08-2017 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: Account information incorrect

Complaint: XXXX XXXX has an account listed on my XXXX and Equifax credit reports. The XXXX report does not have a recent balance but noted as paid. The Equifax report shows past due {$7500.00}. 

There was never a balance of {$7500.00} even according to documents received directly from XXXX XXXX. The Charge off amount is claimed to be XXXX yet the balance magically increases to {$7500.00}. 

I have disputed this account on several occasions. I have attached documentation Please delete this account immediately from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (DC).
Issue: Unsolicited issuance of credit card

Complaint: On XX/XX/XXXX I received a letter from a XXXX XXXX XXXX, Executive Director, Member Debt Solutions, USAA Federal Savings Bank, that payment on my USAA credit card account ending in XXXX was past due and I owed {$39.00}. 

I thought this was a problem because I do not currently have a USAA credit card. Over a year ago ( XX/XX/XXXX ) USAA decided to transfer all of their credit card accounts from Master Card to Visa. Since I had not used the USAA card in ten years I chose not to activate the Visa card they offered, leading me to believe that I did not have a credit card account with USAA as I had not authorized issuance of a new card account. 

When I called regarding XXXX XXXX letter I was informed that my current USAA Auto Insurance bill had been charged to the Visa card that USAA had offered but I had not activated. I had not received notification of that charge nor did I authorize the charge. Yet it was still charged to the card that had not been activated. ( Attached is a screen shot from the my online account record indicating that as of XX/XX/XXXX the Visa account had not been activated. ) I am wondering how a bank can charge a credit card the account holder has not activated. USAA claims they just " transferred the XXXX XXXX '' account. This feels to me like they opened a new credit card account without my expressed permission and then started charging that account without my permission. As a consumer these actions feel very much like what happened at XXXX XXXX - the bank opening accounts without the account owner 's permission. 

I paid the outstanding auto insurance bill in full as soon as I realized what was going on AND the late payment credit card fees that USAA added on to it. I would like USAA to refund the late fees and remove 'late payment ' reports from 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 09/28/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NJ).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Hi Team, I had opened a XXXX priority banking account with the citibank branch located at XXXX XXXX XXXX, New York, NY XXXX. This account had a bonus scheme which said that if an average balance of {$50000.00} was maintained for 3 months and email enrollment was made, {$500.00} would be credited as bonus. 

I satisfied all the conditions, but still at the end of 3 months no bonus was credited into my account. Upon inquiry it was told to me that the bonus would be credited 3 months after the conditions have been satisfied, this is odd as none of the other XXXX banks I have accounts with have such conditions. Rather they had automatically credited the bonus into the account when the condition was met. I still waited, and even after the 3 months were over, no bonus was give. Upon inquiry 4 months later, I 'm told I need to fill up a Tax certification form without which they would not be able to grant me the bonus. I was asked to submit a XXXX or XXXX to the branch. I did that yesterday ( XXXX ) and today i get a mail from XXXX saying I need to fill up XXXX and the attached mail doesnt even have the correct form it has a XXXX for enterprises, which implies they again are misguiding me in terms of the form to fill up, so that the process is delayed further and they can happily use my funds without the fulfilling their responsibility. What I am unclear about is, if this form was so important why was n't I asked to fill it up when I opened the account? Why did they wait 7 months to realize they needed this form. The staff is unaware of the conditions and this creates unnecessary harassment. 

I 'm not the only one facing this issue. Another one of my friend who had referred me has been facing the exact same problem, she has submitted the form multiple times, and the customer care keeps on flip-flopping saying that they have not received the form. 

I 'm appalled that a big bank such as citibank would resort to such measures to hold on to peoples 's funds. Now I am in need to withdraw my funds, but ca n't as if I reduce the balance I would be charged a penalty. How is this justified? The bank did not keep its side of the promise but is now charging {$30.00} a month for insufficient balances. 

I would have let it go if it had been only a one off case with me, but I can see that another person is being harassed on the same grounds.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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: I have hard inquiries on my credit report, that I did not authorize. Hard injuries such as XXXX XXXX XXXX ( XXXX XXXX, XXXX ), XXXX ( XXXX XXXX ) and XXXX cable ( XXXX XXXX, XXXX ) are all unauthorized hard inquiries, As I just recieved a copy of my reports recently I noticed these injuries on my report and put a fraud alert on all three of my reports I contacted Equifax and XXXX about these items being unauthorized I informed them it was identity theft has played a part in them being unautherized inquriies and accounts. Accounts such as XXXX XXXX XXXX XXXX and XXXX cable is identity theft and should be taking off my credit reports. Letters and letters of the Law have been sent to all three bureaus. XXXX XXXX was the only one that has resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (TN).
Issue: Managing the loan or lease

Complaint: After the death of my husband, I was left with several loans taken out for the operation of our XXXX XXXX XXXX. The XXXX was sold as a stock sale that after 10 years is still in XXXX and has not been paid for at this time. 

I contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-phone XXXX ) to negotiate a final payment and pay old XXXX debts with XXXX XXXX XXXX XXXX and World Finance ( Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX-home office XXXX XXXX, XXXX XXXX XXXX XXXX, phone XXXX XXXX ). They made a monthly withdraw from my checking account to make the payments after negotiating lower payoffs. After they had negotiated and paid all XXXX accounts, I cancelled my agreement with the cancellation letter stating they confirmed the XXXX companies had been paid and account closed. There was a small balance in my account with them that was returned to me. 

When I started to get XXXX property loans consolidated in 2016, I found out from the loaning bank that World Finance and a company ( XXXX ) I had never heard of before were listed as being owed. 

I contacted XXXX and they stated all accounts had been paid and closed. I did get a copy of the settlement letter from XXXX XXXX ( XXXX XXXX XXXX ) that is attached. I than called World Finance and asked them to remove the account from my Credit reports as XXXX told me to do. 
The lady at their World Finance office told me my account had been closed & sold to XXXX XXXX. This I think was done at the same time XXXX XXXX paid World Finance. It appears that XXXX XXXX added {$1000.00} to the settlement dollars of World Finance and that is what is listed on my credit report.I later spoke with the manager who denied the sale of the account or payment from XXXX. 

After I contacted these XXXX companies, I started and still getting numerous threating calls from both of them and a additional group that appears to have also bought the initial loan from World Finance.They only called one time. 

At XXXX years of age, I can not handle these phone calls, XXXX XXXX said account was paid when they refunded the small balance in my account. It appears from the Better Business Bureau that both World Finance and XXXX do not have records of being honest business companies. 

I really need to get them both off my Credit report and do not know where to go. I can not afford an attorney. 

Can you help? Now that my account with XXXX XXXX was closed after they said the XXXX companies had been paid and they are not drafting funds from my bank account, I am not getting help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: capital one credit card closed 7 accounts for no reason. now they will not allow us to use our accumulated points to purchase a new XXXX XXXX product.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have made 25 payments on my loans that should qualify for the Public Service Forgiveness Loan program. They are only counting 11 of them even though I have turned in all of the required employee certifications ( sometimes multiple times ) and paystubs. I called them to figure it out. They said that one of the employment certifications was incorrectly filled out ( they said it was missing a start date, it was not ). I filled out the form 3 times and sent it in.
I then received another statement claiming 17 payments counted.
Everytime I fill out paperwork for them and send it in, they make mistakes and I end up having to do it again. I am terrified that I am going to end up paying more because of their XXXX ups. My payment dates are as follows : These payments all took place while I worked at another XXXX, XXXX XXXX which should qualify. 
XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXXAll Loans Payment {$86.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$81.00} XX/XX/XXXX All Loans Payment {$85.00} XX/XX/XXXX All Loans Payment {$80.00} XX/XX/XXXX All Loans Payment {$78.00} XX/XX/XXXX All Loans Payment {$5.00} XX/XX/XXXX All Loans Payment {$8.00} ( From XX/XX/XXXX-XX/XX/XXXX I  was unemployed and on an unemployment deferral. ) The payments below this line took place when I worked at a XXXX XXXX XXXX XXXX. They should all qualify. 
XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$340.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$220.00} XX/XX/XXXX All Loans Payment {$430.00} With this program being in jeopardy because of the current president, I want to make sure they are servicing my loan correctly. I have copies of all of my forms that I filled out and sent if you need them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
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: I submitted a previous complaint through the Consumer Financial Protection Bureau, under case number  XXXX . Thank you for removing the late payment fees from my account as a result of your mistake. At this time, I am requesting a credit balance refund check be sent to me at the address listed on file.     After reading Kohl 's response letter, I do not agree with the result of the 'investigation ' into the delinquent remarks placed on my credit report. The response provided by  XXXX   XXXX   XXXX  brought additional questions that I would like to have answered.     Kohl 's response indicated that, during  XXXX   XXXX , I elected to have only electronic billing notifications provided when there was a balance due and to suppress paper billing statements. While this  may or may no t be true, I do not recall making this election in  XXXX   XXXX . However, because this is the response provided by Kohl 's, I would like to know how and why I continued to receive monthly paper billing statements through  XXXX   XXXX , two years after the alleged election was made to ONLY receive electronic billing notifications? Furthermore, I would also like to know the exact dates that I logged into my account online to view my account activity.     Based on these questions, to which I 'm sure will not properly be answered, the delinquent remarks should be immediately removed from my credit report as it is an inaccurate representation of the status of my account with Kohl 's. I am also requesting that the " customer disputes reporting '' remark be immediately removed from my credit report as I never requested that my account be listed that way.

Company response to consumer: Closed with explanation