milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (IL).
Issue: Managing the loan or lease

Complaint: Care Credit, aka Synchrony Bank, GE Capital bank. I have a current open account with them that was initiated because my dentist recommended it to pay the balance of my dental procedures. This account is charging 26.99 % interest for years and they will not work with me to lower the interest even though I have excellent credit records for the last 15 years. I went through dept mgrs, calls over 30 minutes, and was treated like dirt. 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 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received credit card information in the mail in XXXX and called XXXX stating that I did not inquire about opening an account. Fraud alert was implemented on my name/SSN. The day that the alert expired, a new account was opened in my name and {$4300.00} was charged to new account. I find it suspicious that it was opened on that date and I was not notified. I found out that my identity was stolen because I received a credit card in the mail ( again ) and checked my score. After obtaining a free credit report, I checked the accounts and saw the fraudulent account. I have closed the account and have opened another fraud alert on my information with all XXXX credit bureaus. I want this taken care of quickly and smoothly.

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 08-12-2015 about Credit card () with U.S. BANCORP (MO).
Issue: Customer service / Customer relations

Complaint: I have a US Bank secured credit card with a {$1000.00} credit limit. That is the amount of the deposit I made with US Bank to get the card. While I have had credit issues in the past because of the economic collapse I have recovered from those issues. I have not had a delinquent payment for over 5 years now. All the issues on my credit report are old. 
When I took out the secured card I understood that I could add money to my account at anytime thereby increasing my credit limit. 
Recently I decided to add funds to that account, I contacted US Bank and was told that I could not add funds to that account to increase the credit limit until the account had been open for 6 months. That in order to make that deposit I would have to send a cashiers check, along with information regarding my annual salary and my request would be subject to a them pulling a credit report ( causing an inquiry and affecting my credit score ). I was not informed that I could not increase the credit limit by making a deposit to my account for 6 months or that a deposit to my secured account causing an increase in my credit limit was subject to approval of my credit report and income. 
This is a secured account, there is no risk to US Bank, if I do n't pay the card they have the account to collect from. My increasing the deposit to the account does not increase their risk in any way. 
Makes no sense why I would need to wait 6 months or why I would need a new credit and income check

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Billing statement

Complaint: I have a BofA credit card, and did some balance transfers to this card in early XX/XX/XXXX, which included a promotion of something like zero interest for a year or so. Every month since the transfers, there were the interest charge calculations available on my statements so I knew when I had to have certain balances paid off by to avoid interest changes kicking in. Since XX/XX/XXXX, this entire section has been XXXX out ( every month since ) and I 've had to call to verify the amounts to ensure ( for myself ) that I know balances. Its seems to me that leaving these sections blank, anyone could easily overlook what their promotional amount balances are and would easily fall into the trap of interest kicking in. Are n't there laws regarding disclosure on statements that the credit cards should be following??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Bank of America closed my accounts in XXXX of 2017 because of Alleged fraud in my account. They do n't give any information other that the accounts are closed. I would like to clear this negative information from my credit report

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 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (WI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I received proof of a VISA credit card charge that was refunded to me by a XXXX merchant, XXXX XXXX XXXX XXXX, through their bank XXXX on X/XX/2017. The merchant claims that the money was returned and the funds withdrawn from their account. My credit card issuing bank, Wells Fargo, states that they never received the money. I tried to contact XXXX, but they tell me to contact Wells Fargo. The dollar amount that was charged was {$4600.00} and the proof of refund from the merchant through XXXX banks states the amount as XXXX XXXX. I have contacted the merchant, Wells Fargo and XXXX, but know one can tell me where my refund is.

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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/2018 I sent a certified letter to Experian disputing a public record, a bankruptcy they have listed on my credit report. I challenged the information 's accuracy and demanded that Experian VALIDATE that said information was mine. I advised Experian that the information was incorrect and that I have a letter from the US Bankruptcy Court XXXX XXXX XXXX stating that they DO NOT provide public records to 3rd party agencies, yet Experian still claims the BK Court has CERTIFIED the information is accurate. XXXX XXXX XXXX XXXX has been equally as difficult to deal with as they keep telling me the information has been VERIFIED via electronic signature.

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 02/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone has stolen my entire identity. They 're currently paying a mortgage under my identity and have numerous credit card purchases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX Bank concerned not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Experian.

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 09/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I noticed that my name is listed wrong. My maiden name XXXX XXXX XXXX and married name XXXX XXXX XXXX are correct. ( I legally changed my name back to XXXX XXXX XXXX because I am going through a divorce. My name was never XXXX XXXX but it is listed on my report. I would like it removed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated on my credit report.

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 11-02-2016 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: First, I will NEVER use Fifth Third Bank for any service again nor will I allow anyone I know to even consider dealing with these loose and inept customer service phone associates. They gave me several conflicting reports and answers re : the payout and closing of my car loan. In addition they gave out conflicting and erroneous info about the faxing of a letter of satisfaction and a copy of my title. Its obvious that this ineptitude starts at the top and filters down to the rank and file personnel. They continuously left me on hold for 15 minutes to look for a Supervisor. They lied about what they could do and refused to facilitate my reasonable requests five days after the loan was posted as paid out entirely. 
Never Again - what an incompetent group of people handling loans no less - SHAME!

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I went to XXXX University XXXX XXXX, FL campus. I was forced to take a loan from XXXX XXXX XXXX. The loan amount was {$3000.00}. My loan was then sold to University Accounting Services. I paid the amount in full.A settlement agreement obtained by the Consumer Financial Protection Bureau ( the CFPB ) gave a 40 % off discount. I did not receive this discount. XXXX XXXX has since then shut down and their website does not work. University Accounting told me that when my account was transferred over, I got 40 % discount. This is false and they have no documentation proving so. They refuse to refund me 40 % of the balance because I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/XXXX my credit card was supposedly used for 2 cash withdrawals for {$350.00} and {$390.00} in an unknown ATM with the only information being provided by the bank as the financial institution being XXXX with zip code XXXX somewhere in XXXX. I contacted XXXX customer service as soon as I saw the charge on XX/XX/XXXX at XXXX ( XXXX time ) regarding the fact that I had not made those withdrawals. They stated that they would investigate, cancel the credit card, and remove the charges. I asked if they could send me a new credit card to my hotel, since on their website they state " If you need to make purchases or a cash advance, you can receive a temporary card within one business day ( if in U.S. ) and two business days elsewhere. '' but they told me that this was not possible. I was left stranded in XXXX for the remainder of my trip without any type of credit card or money. On XX/XX/XXXX I access my account only to see that the charges where placed back on my account, when I was explicitly told that they would not and that I would not be held liable or accountable for such charges. When I called customer service they state that they consider them as fraud because the chip technology the pin number was used. I have never used such pin number and I have no idea what the pin number is, and even so they still say that they can not do anything regarding these charges. They want me to pay the {$740.00} of charges plus a fee of {$20.00} per cash withdrawal transaction for a total of {$780.00}, when in no moment where these withdrawals made. They have evidence that I have never made a cash withdrawal and yet they expect me to pay for a new cash withdrawal that I supposedly made without any information regarding the bank, ATM, time, or location of the ATM.

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 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I settled a XXXX XXXX account for less than owed and was sent a XXXX. This company should no longer be on my credit report.

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 08-02-2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (PA).
Issue: Taking out the loan or lease

Complaint: Chase Finance has reported to the credit bureau that I 'm delinquent on car payments for a XX/XX/XXXX XXXX XXXX which I did not purchase. I called them to remove my name and to stop posting that I 'm not making payments on a car I DID NOT PURCHASE. I purchased a XX/XX/XXXX XXXX XXXX XXXX which I 'm current on all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016, I received a letter from USAA requesting additional documentation that could confirm my military service to ensure access to USAA 's products. 
( I did not request any services from USAA and I have not been in the service ) I called them on XX/XX/2016 - someone applied for and was granted a debit card ( Account # XXXX ) using my personal information. ( Currently - my credit is frozen in all XXXX credit monitoring services ). USAA agent said they do not do credit checks if someone opens a debit account. This illegal account is now locked. This fraudulent account was applied for and approved online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I Try to get my free credit report for Equifax It tells me all the time I can only request it by mail and not online because they ca n't identify me online. 
This is very strange because Equifax lets me purchase for money my report on their website and they identify me perfectly, but when I try to get a free copy it never identifies me. 
I just feel that because it 's free they make it hard for me to get it, but when I pay for it, it works perfectly fine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: incident occured on XX/XX/XXXX Received a call from XXXX stating that this is a skip trace call and to press a number or they will contact family members to get information. I hung up and called the number back to find out what this was all about. A woman named XXXX from FMR Forward Movement Recovery answered stating this is an attempt to collect a debt and that it was a debt from XX/XX/XXXX with a XXXX XXXX XXXX in the amount of {$750.00} dollars is now due and she stated that the loan would have been obtained 1 to 4 years prior to that. 

I have not received any mailing stating I owe this debt, nor am I aware of ever having done business with XXXX XXXX XXXX or Forward Movement Recovery. This does not show up on any of my 3 credit bureau reports. 

I have the phone call recorded also.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: Citi performed what I can only describe as a bait-and-switch. I signed up for a CitiGold checking account at the end of XXXX XXXX using a promotion ( code : XXXX ) that offered XXXX AAdvantage Miles within 90 days of completing the following requirements : perform a bill payment in 2 consecutive months and make {$1000.00} in debit card purchases. I finished meeting those requirements on XXXX XXXX, XXXX and verified with a Citi representative over the phone, while taking care of other business, that I met all of the requirements and would be receiving my miles. Not only did I not receive the miles, but now Citi has told me that I was never eligible for the promotion even though the terms ( attached ) specifically say " you provided the special offer code XXXX to be eligible to receive ... XXXX AAdvantage miles '' and a representative later told me I was eligible, completed the terms, and would be receiving the miles. 

To elaborate, I waited until XXXX XXXX, 2 weeks after the latest date I was supposed to receive the miles, to send a secure message about the issue. At which point an investigation was opened and I was promised a response within 3-5 business days. I contacted Citi through their online chat after 5 days had passed without a response and a second request was placed, this time I was promised a response within 2 business days. After another 5 business days with no response, I contacted Citi over chat again and was this time basically told that I 'd hear back from the investigation when I hear back from the investigation. When I expressed my dissatisfaction I was given a phone number and told it was for the promotional department. The next day I called that number only to discover that it was Citi 's normal customer service number. After going through the prompts I was able to talk to a general customer service representative about the issue and was told she would personally contact the person assigned to my investigation and call me the next day. She did in fact call me the next day, making it the first time Citi ever followed through on their word, and that is when I found out the investigation team in the promotional department denied my claim while citing that I was never targeted for the promotion. After pushing even further, I was told I was indeed not eligible and there was no evidence of misinformation so I will never be seeing the miles. I completely disagree on all accounts and feel that Citi is simply trying to avoid honoring their side of the agreed upon terms. 

So, in short, Citi baited me into signing up for a CitiGold account with a promotion and then made up an excuse to deny me the bonus I earned through the promotion. After some research it is clear that Citi has a history of doing this very thing to their customers and it should not be tolerated.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I disputed this information and it was removed.. However it has been placed back onto my credit report without proper notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have had a very difficult time  with OCWEN. I have tried to submit for a loan modification a couple of times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives.      I am now in a full modification review with all the documents  Ocwen  has requested submitteed. I was told by my assigned rep  XXXX   XXXX  that the foreclosure would be placed on hold while I am in review. Today I have been notified th at Ocwen has  a sale date of  XXXX / XXXX / 17  on my home.     My husband is  XXXX   years old and this is causing a great deal of   XXXX   and concearn. We feel like Ocwen h as lied to us and backdoored a foreclosure sale date.

Company response to consumer: Closed with explanation