milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Rewards

Complaint: XX/XX/2015 I received an offer from Citibank to apply for the Citi Advantage card with, which was offering a seasonal bonus of XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I was at the time a XXXX year old XXXX XXXX who had never had a credit card and although I was cautious but I decided to apply. I am very conservative about sending so my plan was to use the card on expenditures I otherwise would have made with my debit card. Specifically, I planned to charge my Fall tuition to the card in order to reach the spending requirement before the offer expired. I was approved for a Platinum Select with a {$2500.00} LOC. I received the card after the XXXX holiday and activated it in XX/XX/XXXX. My XXXX purchase was made on XX/XX/XXXX. Over the next 3 months I used my card instead of my bank account for tuition expenses as well as other medium to large purchases, diligently trying to make sure I reached the $ XXXX in charges. Before deciding to apply, I had called the customer service line on the mailer and asked about the details of the program and I was told that " account opening '' referred to my activation of the card and this would commence the 3 month countdown. This being my very 1st credit card experience I took that at face value, additionally, when my card arrived the accompanying package contained literature which had disclosures, but none which expressly outlined Citibank 's definition of account opening. I tracked my purchases and calculated {$3000.00} in purchases by XX/XX/XXXX, however, when I called in XX/XX/XXXX to inquire when the miles would be reflected I was told that I had missed the spending requirement, having made only {$2900.00} in purchases because they were disallowing my last purchase. I am by all accounts crestfallen, here i am having accumulated $ XXXX in charges and related interest and Citibank is insisting that they will not honor my bonus reward because they started the clock from the date of approval. I find this to be a very deceptive tactic on their part, how can it be expected for a cardholder to fulfill program spending requirements with a card they have not yet received. As a young student trying to be wise about credit and finances, I feel very much disillusioned by this experience with Citibank. I do not feel that their credit card disclosure adequately addresses the specifics of the Bonus Rewards program in regards to qualifiers ( lack of definitions, glossary etc ). I would like Citibank to address my grievance.

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 09-11-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Pursuant to the Fair Debt Collection Practices Act, I sent this company a request to validate a frivilous account they had reported on my account. The company responded refusing to provide any proof and persevered with reporting this frivolous account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (VA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: Lost wallet, reported and closed card on   XXXX   XXXX   XXXX      Contacted Net spend due to amount being charged for replacing card {$10.00} Website states account can be closed and fee of {$5.00} would be charged ; check woul d be issued  XXXX  business days.   Account cancelled and check #  XXXX  processed   XXXX   XXXX   XXXX     Amount of my check : {$1500.00} Advised to wait  XXXX  business days  Time framed passed and I was advised to allow 5 extra business day for check to come.    Was told by supervisor named   XXXX   that if check was not received ; to call back and have check cancelled Check would then be cancelled and reissued in  XXXX  business days.   Called today   XXXX   XXXX   XXXX     and was told I would have to wait  XXXX  more days.   This situation has cause tremendous stress on my finances, me and my unborn child expected to arrive any day now. Please assist me on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted an automatic payment through bill pay twice on accident. XXXX for XXXX/XXXX/16 amd XXXX/XXXX/16. I also sent the payment to a wrong loan number. I Called pennymac to get refund on XXXX/XXXX/16. They notified me they have received the XXXX/XXXX/16 payment but do not see my XXXX/XXXX/16 payment. I have called them multiple times to get this resolved. The bank confirms pennymac has the funds but pennymac will has not located it and refuses to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have written and spoken with XXXX, XXXX, and XXXX several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, XXXX removed the bankrupcy but put it back on and XXXX and Experian did n't budge has refused to budge and continues to report this on my file.

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 10-04-2015 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Billing disputes

Complaint: XXXX refuses to to refund my money which comes to {$120.00} for antivirus software I tried to download but couldn, t but they charged my credit card anyway.I notified them XXXX times but they stopped answering me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Since XXXX 2010, PORTFOLIO RECOVERY - a debt collector company, continues to place on my Credit File with XXXX and XXXX. I will dispute the debt, requesting validation of the alleged debt ( or the name of the Creditor they are attempting to collect the debt ) and PORTFOLOIO RECOVERY will delete from my Credit Files, then two months later they will placed the alleged debt back on my Credit Files. I have sent numerous letters via Certified Letters requesting validation of the alleged debt and to date, no response. A clear violations of the FCRA and Federal Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Credit card protection / Debt protection

Complaint: I purchased shirts and hats for my business. The company charged my credit card several times for different amounts. When I received the merchandise it was not what I had ordered. When I contacted the merchant they advised me to return the merchandise. When the merchandise was returned to the merchant they refused it and I had to pay to have it shipped back to me. When I contacted my credit card company to dispute the charges, they issued a provisional credit. I filled out all documents they requested and provided all the information I could to them. On XX/XX/2016 they reversed the provisional credit. I have had this particular credit card for several years and have a stellar payment history. They are not protecting their customer by reversing the credits.

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 09/22/2015 about Credit card () with CITIBANK, N.A. (WA).
Issue: Customer service / Customer relations

Complaint: The Macy 's online credit card access was unavailable for an extended period of time, so on XXXX XXXX, 2015, I stopped into a store to make a payment prior to the statement ending date of XXXX and a Macy 's store clerk misapplied the payment. To date I have made XXXX phone calls and been on hold for the most part, for a cumulative time of an hour and a half to get them to fix the account. At XXXX point in time, I was on hold for 10 minutes before I could speak to a human and then I was put on hold for another 20 minutes, finally hung up and called back. I was told XXXX times it would be fixed, only to have to call back again because it was n't. On XXXX I had to call XXXX different numbers and make XXXX phone calls to speak to someone in the XXXX. They finally fixed the misapplied payment on XXXX, however, I am still unable to use my card and am on hold on the phone as I type this out. I was on hold for 30 minutes and have been told that my card is now usable. I have n't checked my credit, but suspect that my scores are probably lower because the balance was at about 80 % due to the misapplied payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I went through a modification for my mortgage with Chase. I was probably XXXX behind in mortgage payments. They put me on a trial plan and then approved my modification. I was rushed into signing and returning the docs to Chase. We were also fearful of losing our home to foreclosure. I only owed 23 years on my existing mortgage. They raised my payment by $ XXXX monthly and increased the term of my loan to 40 YEARS. I feel that they have defrauded me and I am now running behind again and facing the risk of losing my home to foreclosure. They have just taken advantage of us during a difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Dear XXXX, XXXX And Equifax, XXXX, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXXXXXXHOW DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXXNOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


EQUIFAX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding Equifax to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a XXXX Credit Card account investigate though Equifax. After 30 days of investigation the account was deleted. I have a XXXX account which is updated every 7 days and the credit card account is being reported once again. What 's the since of trying to solve your credit situation and we as consumers are constantly battling with theses agencies and the information gets put back on the report after a month or a couples of months.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (IA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I had problems with a purchase made through PayPal and attempted to resolve it with the company through PayPal " consumer protection '' services. During the process PayPal 's process ; they sided with the Company with little to no research on the matter or in addressing what I said the issues were. The company offered me a 30 % discount and I attempted to change my ticket to mirror this ; however, they would not allow the ticket to be amended and only provided me with the options to cancel the ticket or provide a tracking number. It appears they are acting adversely towards consumers with their practices which I take as deceptive based on their promise to have protections. They would not allow me to open a new ticket to reflect the issue and instead said I had to resolve it with the company. This is a clear violation of 1005.11 ( e ) by not allowing a consumer to reassert a different issue with a transaction when new facts become available. I don't expect a response from PayPal but think the CFPB should look into their practices under EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX Removed this from my Credit Report and added it back on with out my knowledge. I have dispute this and they denied my dispute. I know have this redispute. I need to see how can I get this removed. I have not received any mail or telephone calls on this. I am really in the dark on this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: Account was paid in full from balance transfer but the Company closed the account. It should have been closed and Not charged off. A Walmart card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Credit card) with GreenPath, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: applied for credit card from total rewards credit limit was only for {$1500.00}. paid back loan at the tell end of loan only owed {$200.00} dollars paid back put account into debt collections management program because I thought that I owed more come to find out .the debt program and credit card company have me paying additional {$1500.00} which I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Auto) with DriveTime (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My car loan company calls me up to XXXX 7 times per day. I have asked them twice to stop calling me. It is excessive and unnecessary and a hindrance to my life. I pay my payments online and pay extra just to avoid any telephone communication with them. I have asked them twice by phone and once by email to stop calling me.

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 09/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My accounts for XXXX XXXX XXXX Bank shows a balance for {$620.00}. The account was settled and closed. The balance should show XXXX. a XXXX & XXXX, the original creditor : XXXX XXXX XXXX has a balance of {$290.00}. We have paid the balance off and should have a XXXX balance on the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (FHA mortgage) with WEICHERT FINANCIAL SERVICES (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I bought a home in XXXX, XXXX through Weichert Financial Services. In XXXX, they sold the loan to XXXX. I received a letter and coupon book clearly stating our first payment was due on XXXX XXXX, XXXX. I made the loan payment through XXXX phone system on XXXX/XXXX/XXXX and it cleared my bank on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from Weichert 's collection department for my XXXX payment. I explained the situation and the representative asked for proof. On XXXX/XXXX/XXXX, I then called XXXX & was told they could n't call Weichert, as Weichert would have to reach out to XXXX. I explained I had nothing to do with the selling of the loan, & XXXX & Weichert needed to communicate with each other. XXXX agreed, but since I was talking to a " call center ", Weichert would have to call them. Ten minutes later, I called Weichert & talked to three different people before I was transferred to the right department. I told the representative she could call XXXX & get reimbursed. I was told I had to provide proof of payment & my bank statement & confirmation number of the payment from XXXX was NOT enough. She said I needed to get something else from my bank. I hung up on her because of my frustration & her attitude. I have been a XXXX for 17 years, I have NEVER said to anyone a copy of a bank statement was n't ENOUGH proof of payment. 
My husband went to our bank & was able to get a signed letter from the Sales And Service Manager stating the mortgage payment was taken out of our account on XXXX/XXXX/XXXX. I then faxed a letter explaining all of this, along with the copy of the letter from XXXX & the coupon book showing the first payment was due on XXXX/XXXX/XXXX, my bank statement & the letter from my bank. Yesterday, I get a statement from Weichert, not only for XXXX, but they want XXXX mortgage payment too! If they sold the loan, WHY would they think they are entitled to XXXX payment!?!? I am extremely angry, & warned Weichert, if this was n't straightened out, or if this effected my credit, I would file a complaint with the CFPB.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Credit determination

Complaint: A credit card from Bank of America is on my credit report. I do not have this card. I beleave my ex wife has it and wont take me off of the card. I am since remarried and we are trying to buy a home but the amount on this card is a real problem.

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 04/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: Loan Number :  XXXX  Loan Servicer : Ocwen Loan Servicing LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL.  XXXX  Loan Owner :  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  rate has been considered a Predatory rate currently at 8.37500 %, the rate has increased base on the  XXXX  market ( "  LIBOR '' ) as published in the Wall Street Journal not the Federal rate. These type of loans were under the scrutiny of the Government and were sup posed to be eliminat ed. The Servicing Company wants you to refinance the loan when they should have modified it based on the new laws. Was assigned a Relationship Manager by Ocwen but, after 9 attempts  have not had any communication with her (  XXXX   XXXX   XXXX   ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: There is item in collection on my credit report. The collection agency is called XXXX XXXX. Its for {$230.00} owed to XXXX. 
I have never had XXXX account. I live in XXXX and we do not have XXXX here. 
I have been trying to get copy of the invoice or some sort of documentation or proof of this invoice. XXXX is giving me run around. This has been going on since end XXXX 2015. I am at my wits end because I do n't know what to do. My daughter lives in XXXX and has XXXX account. Maybe its from her, she still has XXXX and she knows nothing about this invoice. This is affecting my credit score which I have been working very hard to improve.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation