milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened the XXXX XXXX XXXX account in XX/XX/XXXX with the express purpose of taking advantage of the advertised XXXX months, XXXX %, balance transfer offer. They granted a credit limit of {$9000.00} and I waited for the card. The card did not arrive as promised. So I called back to say, can I have a card and use the balance transfer option, please? At that time they said they would not allow the balance transfer but would send new cards. I said ok, how long is the offer good for? They indicated you should still have time to use the balance transfer option once you receive your new cards.
This cycle repeated several times.
I finally received the card for this account on XX/XX/XXXX. I activated my account early XX/XX/XXXX.
I did the activation and noticed that the offer was n't there. I called customer service. The initial associate and a XXXX both indicated that the promotion was only good for so long and the account was opened in XXXX. They allowed me to have a XXXX % for purchases until the end of XX/XX/XXXX and no balance transfer options were available at this time. I did n't stay on the phone only to get the same answer from a third associate. I got no solution from them. I am not allowed to transfer the balance. I have an inquiry on my credit and wasted time. I do n't want the ability to purchase on credit anymore. I am working out of that phase. I think I was scammed. I could not have possibly taken advantage of the advertised offer. You need the card to do so and the entire period of the offer I was waiting for the card to arrive. I have paid off a lot of revolving and static debt. I had approximately $ XXXX in consumer non-mortgage debt at the beginning of XX/XX/XXXX and now I have approximately $ XXXX. My credit score has fluctuated between XXXX and XXXX, where I am now. I have no student loans, car notes, home improvement notes, etc. I work and live within my means. I, unfortunately, understand this strata of consumer debt peddler a bit too well. They remind me of XXXX XXXX from XXXX XXXX, a den of XXXX and villany. Seriously, why grant XXXX % until XXXX months down the line except they know you 'll hold a balance like a life sentence? I get there is a XXXX % fee to do something like this and generally understand how credit cards work, common terms and conditions, etc. I took the offer only because I thought it would further my goals of becoming debt free with the exception of the mortgage on my home. Avoid Citibank, XXXX, and anyone the rebrand into. I think this firm has lying to you and fleecing you as part of their business strategy and standard operating procedure.

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 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans-union Reporting agency placed information on my credit concerning XXXX and XXXX being behind in payments in XX/XX/XXXX, i only fell behind XXXX time in that time period and it was placed on my credit showing XXXX days past due in XX/XX/XXXX & XX/XX/XXXX. Now its placed back on their again in XX/XX/2017 as if i was just late with my payment, this was corrected by me and all applicable statements and proof that this account was no longer in these creditors were not in this status was provided to them in XX/XX/XXXX. My payments are current and the date that they have listed on the account as last paid is also incorrect. The last payment made on both of these accounts were in XX/XX/XXXX. This is not correct on my credit and its painting a negative image to my name as if i was XXXX payments behind with both of these creditors. Please see attached for XXXX im locked out of XXXX and unable to get credit history for submission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was the co-signer on a loan. The borrower was unable to pay, and defaulted. I settled with them for a lump sum payment. After paying, they will not allow it to be removed or updated on my credit report. It still shows I own them $ XXXX. I have called them a number of times. They just say it 's not there department, and transfer me to another, this happens about 3 times before they send me back to the main number. I have tried emailing, and calling every number I have for them. They are NO help at all even though I paid them for a loan I never personally got benefit for ....

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I get about 6 phone calls per day with them saying my name and that a lawsuit is going to be filed, they have called realtives and places of employment. I do n't even know what this is, however they have listed it several times on my credit reports and it needs to be resolved immediately. They are reporting XXXX debts XXXX from XXXX and XXXX from XXXX, I have no idea what these are ... please help. The last time I had any debt issues was well over 15 years ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (MA).
Issue: Fraud or scam

Complaint: I decided to cancel my account with XXXX XXXX and according to the agreement in section IV Term and Cancellation : You may suspend or cancel this Contract at any time and in a number of ways, including : ( a ) telephoning XXXX, ( b ) signing and mailing XXXX one of the Notices of Cancellation, or ( c ) sending XXXX a written request. XXXX honors all cancellation requests without condition or charge that are sent to XXXX within the first five days of the date of this Contract. 

I wrote a letter and I also signed and dated the provided Federal Cancellation Form. Since it was late Saturday afternoon, I was not able to mail it but because it was XX/XX/XXXX ( the 5th day after signing ), I sent an email request with the documents attached, I uploaded the documents via the client website. 
I updated my account and selected Do Not Challenge for all of the negative entries on my report to insure no work would be done before I could confirm cancellation. 

On Saturday the XXXX the 5th day after signing XXXX XXXX charged my credit card for {$99.00}  and not only does the agreement clearly state I have 5 days to cancel without obligation, it also clearly states, several times, This fee will be charged after related services have been fully rendered. However, there were no Credit Repair Communications sent out so services were not fully rendered On Monday XX/XX/XXXX I sent the documents certified mail and I called the support number to follow up with the cancellation. XXXX XXXX is refusing to refund the initial fee of {$99.00} and instead offered me a {$40.00} refund, and that is unacceptable, I only want them to honor their agreement to cancellation without obligation. 

I am attaching the agreement as a supporting document. 


Also I would like to note they incorrectly notified me that a negative item had been removed from my XXXX credit report when in fact it had not. I was sent an email and it was reflected in the client website. 

I am attaching screenshots of the client website and the email as supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (I do not know) with Midwest Recovery Systems (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Midwest Recovery Systems reported a collection debt to my - Credit file on XXXX XXXX, 2016, - for {$840.00}.. I never received a 30 day disclosure of any collection activity. I filed for bankruptcy in XXXX and never knew anything about this debt until I reviewed my credit file and saw that it had dropped XXXX points as a result of this company. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file-. Again, this caused my credit score to drop - points and I intend seeking full restitution and damages if this is not removed from my credit file immediately. This is an illegal practice of debt selling and manipulation that violates the FCRA. If a collection company can report to a credit bureau then they sure can pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (WI).
Issue: Deposits and withdrawals

Complaint: I sold an item on eBay for {$1600.00} and the buyer paid with PayPal and the funds were deposited into my PayPal account. The buyer personally picked the item up and took it home. On XXXX XXXX, the buyer then filed a claim with eBay and the {$1600.00} was taken out of my PayPal deposit account without my consent. I contacted eBay and they ruled in my favor and advised me the PayPal funds were returned. The funds were returned because the buyer made complaint about the item when picking it up and he made no effort to return the item. On XXXX XXXX the buyer filed a dispute with PayPal ( even though eBay had already ruled on this matter ) and PayPal again took the funds out of my account. PayPal did not notify me this was being done via email, phone or letter. I was not aware of this issue until XXXX/XXXX/15 when I logged into my PayPal account and saw the transaction and my account in the negative. There was a note from PayPal on my account demanded I fund the negative with my other bank account or credit card. I contacted PayPal and they claimed they tried to email me XXXX times before ruling in the buyer 's favor. I show no record of any contact attempt, although I had received other email from PayPal. They told me it was my fault for not logging into the PayPal system and checking on my account. I appealed the decision and they rejected my appeal. The buyer has now received a refund and has the {$1700.00} item and my account is running a negative balance even though I was told the dispute was settled in my favor and all funds were returned to my account on XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: OnXX/XX/XXXX XXXX XXXX XXXX who said he was representing XXXX XXXX called my job & asked for my boss who was not here, then he asked for me & my co worker transferred him to me. He mention the debt, threatened to serve me & my husband the next day, threatened to call the corporate office for my work several times, threatened to put a lien on my husbands home ( we just got married XX/XX/XXXX and that is not legal ), he mentioned in detail all the information for my husbands home address, lien holder, amount owed to the mortgage, etc. I did not give him much info b/c I do have an attorney & I am filing bankruptcy. Most importantly I do n't know who this person is! He then called my husband and left a voicemail. Continued to threaten his home/mortgage several times in the message. XXXX XXXX XXXX said that because " XXXX & I were married and whats mine is his & whats his is mine. '' He left a call back number & case number ( XXXX case # XXXX. After that he contacted my husbands mother who I have n't even met yet. First he asked for my husbands XXXX father, then spoke to my mother in law. He told My mother in law that he made a mistake getting married because they can file a lien against my husbands house. XXXX 's mother said XXXX XXXX was very rude and argued with her. XXXX 's mother passed the information on to her daughter XXXX who called XXXX XXXX back and he told her he had already spoken to me, he would not give her much information but once again he made threats about XXXX 's house and a lien. 
This person has/had absolutely not rights to contact my husband or his mother. He was rude/cocky with all of us and this still has me upset about it still today. He also had no rights giving any information about me to XXXX 's mother or mentioning a lien on his house.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: APR or interest rate

Complaint: Capital One sent an optout letter that I did n't received. I called the first cycle that the rate went up and they refused to do anything about it. Them my business got hit with storm XXXX causing me to lose 70 % of my income, for the past 2 years tried to get help from them and nothing, actually the opposite, they raised my rate. A bank taking advantage on a tragedy since I keep making payments but I 'm falling behind trying to avoid charge off, but C.One do n't care because they are still getting payments. The other XXXX banks I do business with got a program right away for me and almost done with the accounts. Chame on CAPITAL ONE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Nissan Motor Acceptance Corporation rewrote my loan in XXXX XXXX. I had to send my signed contract and payment to them by XXXX XXXX, XXXX. I did as directed. XXXX XXXX I was getting calls from collections saying I owe a past due of XXXX and I was told my loan was not rewritten. After speaking to XXXX different people it was determined that my contract was thrown out cause I sent it with the money order. But the contract told me to do so. I was then sent a new contract and had to return it by XXXX XXXX, XXXX with my XXXX payment. I did so even though they started the contract from XXXX instead of XXXX. Now I 'm being told that I have late charges and balance due since XXXX XXXX. XXXX has also reported me late since XXXX when I 've been on time based on the contract. I called the company 4 times in the last XXXX weeks. XXXX mamager said she will call me in XXXX hours after research is done, I was a week and was another XXXX kept me on hold for XXXX + min and no one called me back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (HI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Chase Bank XXXX XXXX XXXX XXXX, XXXX Ca, XXXX phone XXXX XXXX XXXX. 
On XXXX XXXX and XXXX XXXX and XXXX XXXX they have deducted XXXX Cent per month with explanation of " Federal interest withheld ''. Contacted said bank on XXXX XXXX XXXX they sent me a form to fill out XXXX returned said document on XXXX XXXX XXXX in addressed envelope to their XXXX XXXX TX office the form was completed. Was in touch with bank and was told it was the IRS that withheld the money Contacted IRS and was told that they would not deduct that small amount and they would not deduct from a checking account I have bank statements to back this up

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MD).
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 complained to XXXX XXXX to remove in accuracies in my credit report and they continue to report them from XXXX XXXX/JC Penny. A payment was made to XXXX XXXX XXXX XXXX XXXX a collection agency that J C Penny used in 2013. XXXX is reporting the payment on my credit account, but are showing I owe JC Penny. Now JC Penny is using XXXX XXXX to report in accuracies and XXXX XXXX and Synchrony can not provide the documentation to show the validation. 

Another credit reporting bureau was able to remove the in accurate reporting.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have tried to resolve this issue many times with TransUnion in which they have inaccurate data reporting on my credit file. They even have my name listed as XXXX XXXX the XXXX I have never been the XXXX ( second ) what woman has ever been. This has got to stop. Please 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 01/27/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On the XX/XX/XXXX I attempted to make a mortgage payment for XXXX with XXXX Mortgage. On the XX/XX/XXXX I received a call that they were not able to receive payment due to a missing digit on the account. I paid the XXXX payment that same day for {$1300.00} then on XX/XX/XXXX I made the XXXX payment. My mortgage payment is {$1200.00}. Equifax is reporting that I missed a payment and I 'm 30 to 60 days behind and my score fell XXXX points. They also have my account balance for almost {$10000.00} more than it actually is. I believe Equifax does not verify information before they add it to your credit report and when it is disputed they provide no information that the information they receive is correct. If anything since the funds could not be received for the XXXX payment I would be a month late but I am not two months behind on my mortgage and I do not owe the mortgage company any money. I have a VA loan and XXXX has to report to them. If Equifax would have conducted a proper investigation they would know that the information they have on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Two things ... I was never advised I had the option to apply for the release of my cosigner. I was eligible, too, but I was never advised that option existed. I admit there might have been some ignorance on my end, in that I just assumed a cosigner was stuck with the loan for life like I was, but this information was never promulgated to me from the Second, after I applied and was granted graduated income repayment status in XX/XX/XXXX and XX/XX/XXXX for all loans ( federal and private ), I was never advised that the payments for the private loan would only be allocated to the interest and nothing to the principle. I just learned I owe MORE now on that loan than the principle disbursement in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with loanDepot.com, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Took mortgage from LoanDepot XXXX XXXX XXXX : XXXX ). Made first payment on XXXX, 2016. Then got the letter that the mortgage account was sold to XXXX XXXX XXXX XXXX : XXXX ). When I called LoanDepot, they said they wired the first payment amount to XXXX Bank after a month XXXX XXXX XXXX ). Contacted the XXXX Bank and they say they have n't received the amount. XXXX Bank issues another notification to me that I still have to pay the amount. 
Highly frustrated with both LoanDepot and XXXX Bank transactions. Both parties say they completed the transaction properly. Not sure where the issue is but being a customer I had to pay XXXX loan payments in one month and also could n't get the benefit of paying off a payment before 2016 yearend.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Rewards

Complaint: I applied for an American Express Platinum card XX/XX/2016. The advertised offer claimed that after meeting {$3000.00} of spend within 3 months ( not inlcuding membership fees ), I would receive XXXX Membership Rewards points. I completed the minimum spend and received the XXXX points within 3 months. on XX/XX/2016, American Express removed the XXXX points from my account, stating that I violated terms and conditions, which I did not. I believe that American Express violated the terms of their offer and removed points that I earned without merit.

Company response to consumer: Closed with explanation