milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2017 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Rewards

Complaint: I applied online for a Chase XXXX XXXX credit card, at the time I was purchasing a plane ticket on Southwest Airlines. The offer was XXXX bonus miles if I charged {$1000.00} on the credit card within the first 3 months of account opening. I charged {$1000.00} on the credit card in the first 3 months and they only credited XXXX points. I called Chase Bank and they refused to honor the XXXX bonus points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 12 loans with XXXX XXXX XXXX/ XXXX Lates are being reported for XXXX, XXXX, XXXX of 2015 for four of the loans but not the other eight. I was enrolled in school at this time and my loans should have reflected deferred for XXXX, XXXX, and XXXX of 2015. Ive disputed this issue with the credit bureaus with no successful outcome.

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 10/23/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit card () with Continental Finance Company, LLC (NY).
Issue: Customer service / Customer relations

Complaint: I have a {$500.00} limit on a credit card that I have had for about 2 years and every month there is an obscene amount of charges. Interest charges, member charges I just want to close this account. I just ca n't seem to get it down to XXXX so I can close it. No one answers the phone. I ca n't speak to a person.

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 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transunion has refused to provide either the required free credit report or to provide even after I paid online for the report. Phone calls are routed to a call center in another country and they simple will hang up or transfer you back to another person in the same call center.

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 02/16/2017 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Advertising and marketing

Complaint: Sams Club MasterCard advertises XXXX % cash back on all purchases, w/ XXXX % on fuel, and XXXX % on dining and travel. For my statement ending XXXX/XXXX/17 I had purchases totaling {$4000.00} and yet they awarded me a meager {$27.00} in rewards. They 're not following through with their advertised promises. Not only that, I 've been a plus member for years & that 's supposed to get me even more in cash rewards.

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 02/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out private tuition answer student loans from XXXX XXXX from XXXX when I went to School of the XXXX XXXX of XXXX. These loans are now serviced by Navient. They have been charged off since XXXX. I was n't able to pay the XXXX monthly payments and the servicer gave me no options but to default on the loan. Now the loans have more than doubled in interest and fees with in a two year period. Also Navient continues to report this on my credit report with erroneous information. The closing date and the last payment made is false, illegally extending the statue of limitation on the account. This company is a predatory lender and their collection tactics are abusive and illegal. I ca n't even get I loan statement that describes these fees and interest. The fees and interest they have added to this account are exorbitant. I plead that the CFPB take legal action against this consumer predator Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: Wellsfargo refuses to discharge it 's debt to the legal owner of that debt. Because they refuse to recognize the legal holder of that debt as the legal holder of that debt. 

I have a check given to me by my employer cut on wellsfargo paper properly filled out, even tho I have multiple forms of state ID even an armed guards license even tho my employer even called ahead and told em I was coming. I have no reason or want to own a credit card or debit card I refuse to have any direct business with any bank, I have no reason or want to travel outside of this country I do not need a passport. 

And even tho I have enough ID on me to prove OUT OF HAND to a judge in court or a COP ON THE STREET. 

I ACCORDING TO WELLSFARGO DO NOT HAVE ENOUGH ID TO GET MONEY THEY OWE ME. 

They told me to go to a check cashing service. 

XXXX WELLSFARGO THIS IS YOUR XXXX CHECK WHERE THE XXXX ELSE AM I SUPPOSED TO GO WITH YOUR CHECK? 

And WHEN THE XXXX DID CORPORATE PLASTIC BECOME ID? 

I can not open a XXXX bank account with a credit or debit card can I? Who the XXXX is wellsfargo to step in to the XXXX territory of local state and federal government by trying to pass thier XXXX corporate plastic like it is as good as a federal passport. 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 explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, as the victim of a XXXX 2017 cyber attack, lost roughly 143 million customers data to hackers. Names, birth days, address, ssns, and driver 's license numbers were access. Credit card numbers as well. Reports indicate that Equifax took over a month to respond to consumers, may stand to profit from the event by rollovers from free credit monitoring services, and user 's must forego their right to participate in a class action lawsuit to get said services. In response, I am filing this complaint and putting a fraud alert on my accounts with the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: I have had a checking account at Wells Fargo for over ten years. Suddenly two months ago I saw a fee charged to the account. ( {$13.00} or {$15.00} I believe ). I emailed via the Wells Fargo website and inquired about the fee. The reply I received was unclear, it said I did not have the right mix of products and services but the explanation was unclear why my mix was wrong, what I needed to change and what had suddenly changed to initiate this fee. They did refund the fee. I wrote back and asked for clarity and received yet another unclear reply. So I went to my local branch and inquired, the agent told me my accounts looked fine and I must have been charged in error. At this point I believed the problem to be resolved. 
The next month I was charged the fee again. So I contacted Wells Fargo again and they refused to refund the fee this time, and again did not provide a clear explanation. I replied and threatened to move my business and they did finally refund the fee and told me I needed to enroll in mobile banking to not be charged the fee again. So I followed the instructions to enroll and emailed them back to ask if everything was set. I received a reply that it was NOTset and that I was mistakenly told mobile banking was needed. I was told I really needed to call and get an ATM card. At this point my frustration got the best of me and I asked them to close my checking account. They did close my account but the reply mentioned the fee was because they believed I stopped my direct deposit. This was the first time anyone mentioned direct deposit. In fact, I did not stop it, it was on hold because of the season nature of the deposit which comes from real estate rental income. 
I am reporting this complaint because I am very concerned that Wells Fargo has a policy which is confusing and the employees have not been properly trained. Therefore they are unable to communicate the intricacies of the policy to consumers. I imagine someone elderly would not be able to jump through the same hoops I did to get this resolved and may be charged large fees they do not understand. I talked to XXXX different agents and never got the same or a satisfactory response. I will attach the email chain as evidence to this confusing response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Good Afternoon, I have been a  XXXX  credit card client, since   XXXX  . I have been satisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect.  XXXX  has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all  XXXX  major credit bureau reports.  XXXX  has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting   XXXX   regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.     Thank you in advance, for all your assistance.

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 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. 

I submitted complaints here and the items were removed. Before these items hit my credit score ( XXXX and Transunion ), it was up to XXXX. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly XXXX points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. 
What I am seeing is that I am starting back from where the incorrect items brought me down to which was XXXX. This is completely XXXX backwards. This is literally holding me back from purchasing a home. I am ready to sue the doors off of everyone I can to simply get a high XXXX credit score for god 's sake. This is ridiculous and causing XXXX for me. 

My score should be around XXXX and moving up, not XXXX and moving up. 

From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX ) From Transunion ; XXXX collections were removed ( XXXX, XXXX, and a collection for 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 explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended the University Of XXXX at the time of registration i advised the enrollment department that i did not have my XXXX or XXXX i was told that it would be fine, all to find out that none of the credits that i obtained are even valid because you can not get financial aid without being tested and or having a XXXX or XXXX once i found of about this i withdrew from the university of XXXX the school then sent the funds back to the government and placed my account in collections i have not been able to get this resolved and it has been almost XXXX years. The university of XXXX has a XXXX for not applying funds from the government to accounts instead sending students to collections. I would like to have my loan removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Maury Cobb, Attorney at Law, LLC (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Hello, I received a letter from the Law Offices of Maury Cobb. I spoke with a gentleman named XXXX XXXX. He explained that I had a collections account with XXXX for XXXX. I explained to him that it was not possible as I was not under contract ( ten year customer ) at the time I left tmobile. He said he had no information and that this is a law office and there is a judgement against me to take the money and that I must pay. I called tmobile and they did not have any information on me and said that Maury Cobb had purchased my account. From my research I have seen that XXXX XXXX has had substantial litigation and claims against him for false debts and tactics. I have sent letters to all XXXX credit agencies explaining the situation. I also included letters from the department of homeland security and office of personnel management stating that my social security number and other identifying information had been compromised. This has been a long battle and I am trying to restore my credit. XXXX XXXX XXXX 's office has not been helpful in the least. 

Respectfully,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX continues to call a place of business for someone that does not work here. I have asked them to remove our number over three times now and nothing changes. They list a number to call to have your number removed but obviously it does nothing. It is getting very annoying that they call almost daily and give us NO way to make it stop. This is a business and we take important calls!

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: APR or interest rate

Complaint: Because of a balance transfer of 0 % APR to my Citibank credit card account, they are charging me interest on regular purchases that are paid off by the due date. My credit card agreement states that there is a grace period for purchases when they are paid by the due date. I pay my purchases in full for each statement. They are saying because of the balance transfer, that they can now charge interest on purchases on the day that they post. I think this is unfair and very misleading to the consumer.

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 06/26/2015 about Debt collection (Medical) with SYNCHRONY FINANCIAL (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Account # 1 $ XXXXBalanceXXXX SYNCHRONY BANKOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXAccount # XXXX $ XXXXBalanceMEDXXXX HOSPITALOriginal Creditor $ XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXAccount # XXXX $ XXXXBalanceXXXX XXXXOriginal Creditor XXXX XXXXHigh BalanceXX/XX/XXXX XXXX, XX/XX/XXXXOpened DateXX/XX/XXXX XXXX, XX/XX/XXXXthese accounts was open due to fraudulent activity and results in police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: >>CONSUMER COMPLAINT <<<

                                        

              EXPERIAN CONSUMER ASSITANCE SPECIAL SERVICES (CASS)

Dear CFPB:

        Pursuant to USC Title XV Consumer Protection Act 1681 the Fair Credit Reporting Act and the laws of Connecticut. Experian failed to check the veracity and accuracy of information before reported recklessly and intentionally failed to conduct data quality test and use reasonable care in the course of doing business. Violating the Fair Credit Reporting Act Title 6, Section 607 (b). failing to follow reasonable procedures and run data quality control checks on consumers file particularly accounts listed as XXXX, XXXX XXXX.

        EXPERIAN performed its obligations in a willfully, reckless and illegal fashion in violation of the Act and failure to maintain reasonable procedures and conduct validity and accuracy data quality checks to avoid violations of 605 of the Fair Credit Reporting Act and Fair and willfully ignoring provisions of the Fair and Accurate Transactions Act.

        EXPERIAN knowing the conduct of there business supervised, monitored and further communicated credit account information to creditors, redacted account history on numerous student loan accounts after consumer disputed inaccurate address information supplied by creditor, and placed additional disputed accounts in certain codes to not allow consumer to further dispute online without contacting EXPERIANS consumer assistance special services division (CASS), a legal division in their dispute center. Experian willfully placed consumer file in a department who was hostile to consumer. Consumer alleges unscrupulous activity by their consumer assistance special services representatives, acted in concert and joint venture with others at EXPERIAN to retain inaccurate account and data information, status and caused further pollution into consumer credit file and periodic damage to XXXX and XXXX scores.

        Experian manipulated information, intentionally communicated false information, altered changed and entered codes un-rating accounts, entering false negative account history, and deleted XXXX credit card and then removing such adverse data unknowingly by consumer.

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 09/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was living in a apartment complex XXXX in XXXX XXXX XX/XX/XXXX/XX/XX/XXXX. I have never been delinquent on rent. I gained what i feel was a great relationship with the management team and worked very closely to a worker by the name of XXXX. Due to my mother having XXXX XXXX and becoming sickly I ended up having to move back to XXXX in a emergency. I spoke to XXXX and a few others that worked there about my personal information whereas an agreement came about to me being able to leave a bit earlier due to my situation. They informed me that the best they can do was for me to write a letter giving my 30 day notice so they can put the apartment back on the market preventing them from losing revenue and I can leave after the 30th day. In between time I was not aware that new management was taking over. Workers changed etc. When I spoke to the new workers they made it seem like everything was okay. I am trying very hard to fight what is right. If you look at my rental history I have never owed anyone and not pay them. Even if you look into my credit history if I came to a bump in the road I paid it up. It is not fair to me to be informed certain information in agreement and understanding especially when they see I pay my rent which was the reason why they even allowed me to leave because I have done good by them. Now they are saying I owe XXXX dollars for an apartment that cost XXXX a month. I left in XX/XX/XXXX and my lease was up in XX/XX/XXXX. This is incorrect, very incorrect and I have no idea where these numbers are coming from. I feel like I am being scammed and the credit bureaus wont do a thorough investigation. They need to contact management who was there when I resided there in hopes that they remember my case to assist me with these fraudulent charges. I work very hard for my money and would take them to court before I let someone be so immoral just to take money from me that i rightfully do n't owe. I do n't mind paying any debt I have back as you can see. Please assist me with this situation. I also have witnesses from other tenants who lived by and knew my situations and the outcome of how they helped me. I am not sure if it was against their policy but because I gained such a good relationship with them, they worked with me. 

XXXX and XXXX has assisted with my complaint and concluded the account as being closed or Paid, but XXXX wont take the necessary steps to see that I am correct. 

Please Help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Called me about some debt collection, asked for someone I did n't know, harassing me for no reason. Calling from XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief