milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Rewards

Complaint: I got an Citi Credit card offer ( Thank You Preferred Card ) in the email from Citi. It promised me that if I spend {$1500.00} in the first 3 months then they will post XXXX bonus points along with {$100.00} gift card. ( XXXX points on dining ). 

I applied for the card ... .got approved ( ending with x XXXX ) but when I spent the money the customer service starting giving me lame excuses. 

They did not give me bonus points and the {$100.00} gift card. They asked me to fax the offer to verify. When I faxed them they said they do n't want to offer me the bonus with gift card. 

This is fraud and false marketing.

Company public response: Company 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 EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I am receiving text alerts from TrustedID regarding the Equifax breach. It says they detected activity that I need to check on. My userid and password are not recognized. When I click Forget Password, it tells me I will receive an email on how to reset my password but the email never comes. It says to call XXXX Monday - Sunday XXXX XXXX but that number has a weird busy signal, like it is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted XXXX XXXX with XXXX debt validation letters. They ignored all of my requests for validation. I do not recognize this account and I want it removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (FL).
Issue: Getting the loan

Complaint: I obtained a personal consolidation loan to pay off three high interest credit cards. They issued three checks made out to the card companies and I sent each of them out overnight mail. One of the checks the card company ( XXXX ) says they have n't received. I was issues a credit in the amount of {$1700.00} the amount of the check because the company was uncertain if the payment was received. A few weeks later the card company said that they had not received the payment. On XX/XX/XXXX I contacted XXXX at One Main Financial in XXXX XXXX to find out if they could make certain the check was cashed. The said yes that the check was cashed on XX/XX/XXXX. I have been back and forth with both companies over the past 3 months to find out if the check was received and cashed. The credit card company told me on XX/XX/XXXX that the payment had been received and was cashed and I proceeded to use the card for both my sins birthday {$410.00} and a down payment on a car {$500.00}. I just received a statement from the card company saying that in fact they had not received the check and my card balance is {$1300.00} over the limit. I am paying the loan to One Main Financial and  interest and late fees on the card balance and have been unable to obtain a copy of the cashed check from One Main for the past three months and they repeatedly tell me that they have requested it and they will forward it to me when they can. I phoned their main customer service office today XXXX XXXX, 2017 and was told the same thing, they will forward it when they can. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your help.

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 12-07-2017 about Student loan (Private student loan) with SLM CORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Complaint against Sallie Mae I am writing today to complain about the handling of my student loans with Sallie Mae. Although I appreciate their consideration to provide me with a loan modification in XXXX 2017, they have reported me and my father 60 days late on our credit report. My mother, who is authorized to discuss my Sallie Mae loans, repeatedly asked the representative if this would impact our credit scores and we were told no you are not 60 days late. The representative who assisted us in arranging the automatic payment schedule even stated the day of the month initially picked would not be good because it would make me 60 days late, so we changed the payment date. In late XX/XX/XXXX, early XX/XX/XXXX, me and my father received a text message alerting us about a change made to our credit report. Upon further review, we found Sallie Mae reported me and my father 60 days late on my student loans. We have called Sallie Mae to lodge a complaint and resolve this matter but with no success. They said we received phone calls and correspondence regarding the loans being past due, which we are not disputing. But when we contacted Sallie Mae to ask why we were receiving the calls and letters, they responded they are automated and will continue to receive them until our 3rd automated payment was processed. We were never told our loans were 60 days late. We asked for a copy of all telephone transcripts of our previous conversations leading up to this point and were told they do not provide them. I understand we are responsible for the management of our loans, but we strongly believe we were misinformed and misrepresented. We reached out to Sallie Mae for assistance to try and avoid the exact situation we find ourselves in today. 

Based on our last phone call today, XXXX XXXX, 2017, to try and dispute this matter with Sallie Mae directly, they stated they will not correct the reporting to our credit reports since we were 60 days late. We are not sure if it will make a difference or not but me and my father have placed a dispute on all 3 credit bureaus against Sallie Mae for reporting us 60 days late.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is manipulating my credit files in violation of federal law. Trans Union and XXXX   are complicit in this manipulation. 

I have attached two copies of my Trans Union file ( XXXX is the same ) showing that XXXX XXXX had closed the account in XX/XX/XXXX. They changed that report in XXXX to move the closed date to XX/XX/XXXX. This is negligent non-compliance at best and willful non-compliance at the worst. I did not redeem this repossession nor did I rewrite the balance in any way. The change of the closed date dropped my score 50 points because it now appears that this is a recently closed collection. 

I already have a complain against XXXX XXXX for violation of the FCRA and FDCPA. ( Complaint number XXXX ) They had reported a balance of {$71.00} as late as XX/XX/XXXX. But  when I tried to pay it, they said the balance was {$1500.00} and settled it for more than {$500.00}. Clearly a violation of the added funds portion of the FDCPA TRANS UNION and XXXX  allowing this manipulation of federal law is definitely negligent non-compliance

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've contacted National Credit System for 3 months prior to a previous certified letter I 've sent out a month ago pertaining to a fraudulent account on my credit report by the name of National Credit System and   XXXX    have failed to assist me with this situation and have caused a great deal of problems to me and my life. Both companies are failing to respond to my letter and have n't sent me anything to show me that they took the proper steps to verify any documents or signatures pertaining to myself. This is an error and it is fraudulent which breaks many laws in the FCRA. I was never contacted at any time when these accounts was open so I do n't know why they continued to report and verify an account that is n't mine. I received several thereatning calls from the creditor and I do n't think thats professional and I do n't want this company to contact me anymore by phone or email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I attended XXXX, which this school has since been CLOSED DOWN, and Navient keeps contacting me to repay my loan, but after reading all of the complaints about Navient I am hesitant about starting a payment plan with this company. I feel as though I should not have to pay off a bogus student loan when the school I attended was not a legit school

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Auto debt) with TRANSWORLD SYSTEMS INC (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Still calling after a year. At least once or twice a day.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I signed up with freecreditreport.com to get my free credit report, which they would not provide without a {$1.00} fee. Ten days later my card was charged for {$22.00} as a monthly recurring fee. When I called Experian, they indicated that I had signed up for a 7 day trial and that the charge was valid. They refused to refund my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XX/XX/XXXX I called the Member Service number listed on my credit card statement for XXXX XXXX, XXXX XXXX XXXX, because the interest amount charged of {$47.00} was excessive, it calculates to an annual rate of 51 % instead of the stated 23.99 % on the statement. After over 1 hour 30 minutes on the phone, most of it on hold I was told the Balance Subject to Interest Rate was claimed to be {$2400.00}, which was nearly 1.5 times the actual balance of {$1100.00} for the month interest was to be charged. My payment is usually due on the XX/XX/XXXX of the month. I typically pay my balance in full so there is no interest charged. In XX/XX/XXXX, the month the interest was charged I missed the payment date and paid two days late due to thinking I had set up the payment the previous week. The interest charge I am challenging does NOT include the late fee. That fee is legitimate but the interest charge is not. The balance due on XX/XX/XXXX was {$1100.00}. Even if the credit card company abuses the consumer with a two month calculation that still doesnt justify the interest charge. The balance due in XX/XX/XXXX was {$510.00}. The company refused to explain the calculation, there is no rational way to figure out how they exploit the customer and manipulate the effective interest rate to be far in excess of the claimed interest rate. After one hour and 45 minutes another representative came on the phone and continued to argue the rate and still refused to explain how they were fraudulently calculating my interest charge. After 2 hours and 1 minute I put the phone down and ignored the lying and dismissive attitude until the representative hung up. It became abundantly clear that there was no interest by the company to be honest and forthright regarding their fraudulent manipulation of balances. I will be making my payment due XX/XX/XXXX on time but I expect a new exorbitant interest charge on my statement due XX/XX/XXXX. In the fine print on the back of the statement it says the bank calculates the Balance Subject to Interest Rate by using an average daily balance method. It explains that calculation uses the daily balances during the billing cycle. Using that method it would still be impossible to achieve the Balance Subject to Interest Rate of {$2400.00} unless they are using the balance from the NEXT month. Because remember the previous months balance due, paid on the XX/XX/XXXX, the month before month the interest was due for was {$510.00}. Assuming that I made one charge of {$1100.00} on the first day of the billing cycle due on XX/XX/XXXX, the whole balance would still only be {$1600.00}, or roughly 2/3 of the claimed Balance Subject to Interest Rate of {$2400.00}. The bank refused to do anything to correct their error.

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 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Benefit Claim Number : XXXX Card Holder : XXXX XXXX XXXX : Chase XXXX XXXX credit card Summary : Dispute for travel reimbursement for medical emergency Contact : XXXX XXXX My wife, XXXX and I ( XXXX ) purchased flights on XXXX using our credit card number ending -XXXX on XX/XX/XXXX. XXXX completed XXXX school and we were moving from XXXX to XXXX XXXX. Flight and baggage fee total {$190.00}.

On Thursday, XX/XX/XXXX, XXXX XXXX, sustained injury to her XXXX XXXX  XXXX. She was rock-climbing at XXXX XXXX  in XXXX XXXX when she fell off the wall and hurt her XXXX. Ambulance took her to XXXX XXXX Hospital where she underwent XXXX and tests. She sustained incredibly painful XXXX XXXX. Doctors note is included, and she was unable to fly across the country the next day on FridayXX/XX/XXXX because of extreme pain.

Chase XXXX XXXX has travel reimbursement for medical reasons, but they wo n't approve our case. We have filled out all requested information that we can. Chase Claims Benefits requests a doctor complete their Physician 's Statement. We have reached out to XXXX XXXX Hospital several times by phone and email, but billing and administration can not / will not help us. This is the Emergency Room, and they can not get the emergency room doctor to complete the Physician 's Statement. We understand their inability because Emergency Room doctors are very busy saving lives.

Please help us.

Best, XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX I mailed Qualified Written Request to Ocwen Loan Servicing , LLC, which was received on XXXX XXXX, XXXX. The Servicer did not acknowledgemy QWR request by letter within FIVE ( 5 ) days and I am assuming that it will also not respond. 
For that reason, I would like you to submit my complaint with my QWR request to my servicer as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This Creditor is contacting my job numerous times when I have told them to contact the number on my account for payment information.

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 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On or about XXXX XXXX 2016 I applied for a loan ( mortgage ) from the XXXX XXXX XXXX XXXX ( XXXX ). 
After processing my loan application, XXXX notified me that Experian Credit Bureau had declared me deceased, and further action on my application is denied, until I personally cause Experian to correct this false report of my death. 
. In accordance with guidance at XXXX I sent Experian, via certified mail, USPSXXXX, a letter, enclosing a notarized statement, attesting to the fact I am alive and well. I asked for correction of the false information, promulgated by Experian, and the identification of the source of that information. Please note, of the XXXX reporting credit bureaus, Experian was the only XXXX reporting false information Experian signed for the letter XXXX XXXX, 2016. As of this date, XXXX XXXX 2016, I have received no reply from Experian. 
The false reporting by Experian, and their lack of response, now after approximately forty-nine days, has caused me great inconvenience, worry, and financial hardship, I have asked Experian to do only XXXX things ; correct the false information and furnish me the original source of the false information so I may take action at the source to correct the record. in this matter. 

Request action to correct Experian false reporting, Sincerely, XXXX XXXX XXXX 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 04/20/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Problems when you are unable to pay

Complaint: To Whom This  May Concern ; Re : Santander I use to speak very highly of Santander but today is a different story. At one point Santander was  a company I respected and was very thankful for. Back in  XXXX  I was in financial trouble and my car was repossessed.  Santander assisted me every way to get my car back and I was able to within 2 months. Fast forward 4 years later, Santander is causing me big problems with repairing my credit and being able to purchase a home for my expanding family. A mistake I made 4 years ago that I have paid tremendously for is still being reported to the credit bureaus inaccurate and negatively. I have made multiple attempts to dispute the inaccurate information being reported by Santander. Santander  did report the repossession back in  XXXX  but every since then they have also reported this as "  Charge Off/ Write Off Bad Debt. '' I  have possession of this vehicle, an  XXXX   XXXX   XXXX . I receive monthly statements fr om Santander and I still make monthly payments to Santander. How could this be a charge off or write off? Usually those are sold to collection agencies, right? As stated before I have disputed this inaccuracy multiples times with all  XXXX  credit bureaus asking for it to be removed but each investigation has came back verified as accurate. Per the Fair Credit Reporting Act, the Date of Last Delinquency is the date of the first missed payment that led to charge off, collection, foreclosure or repossession. Reporting a more recent date of last delinquency would be in violation of this Act. This inaccurate reporting has caused an huge negative impact on my credit report and score. Every time I have contacted Santander  about the negative reporting I get no where. It 's been all about money for them and not the fairness to their customer.     Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
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: I disputed a bankruptcy on my credit report with TransUnion and It came back verified as accurate. I requested their method of verification, which I am entitled to under the Fair Credit Reporting Act section 611. I received a generic letter in response. I called and requested the method of verification again and was told by a rep and a supervisor that they can not send it to me. This is a clear violation of my rights under the law however the supervisor maintained that TransUnion did not have to provide me with that information.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: Checked the last 6 numbers of my SSN on the Equifax site when news of the security data breach was broadcast on the news. The website gave me a date to go back and enroll in the TrustedID as information had been compromised in the hack. My wife received a different date, but the same message. We then called the phone number indicated as the number to call to initiate a credit freeze. After the automated system directed us to enter some identifying information, including our state, we were told it could not process our request and we could complete the freeze online. I tried to go on to the website to put a security freeze on my credit report and got an error message. I then tried to call the Equifax customer service number and was sent to an automated messaging service that hangs up on me and never lets me talk to a person to initiate a security freeze.

Company response to consumer: Closed with explanation