milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NV).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received an invitation directly from Citibank to apply for a credit card. The incentive for applying for the card was XXXX XXXX XXXX frequent flyer miles if approved. I was approved for the card and proceeded to reach -- and far exceed -- the requisite dollar spend within the first 90 days of receiving the card. I called Citibank a month after having paid them more than {$4000.00} inquiring when the XXXX miles would post to my XXXX XXXX account. They informed me at that time that they were not going to give me the miles since I had a credit card open with their company within the past 24 months. At no point during the application process, after I was approved for the card, after receipt of the card, during the first 90 days of using the card and spending more than {$4000.00} did Citibank advise me that I was ineligible for the promotional offer. Citibank targeted my business and presented the offer to me. I did not need or want the card. When I made a complaint with their customer service, they offered to give me XXXX XXXX XXXX miles and said someone would call me within 24 hours. That was two weeks ago and I have heard nothing from them. I informed them that I would be filing a complaint with your agency and they still have refused to work with me or correct the situation. Thank you for any assistance you can provide.

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 10/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: this creditor refused to validate this account .This account have been sold to diffrent collection agencies witch I am trying to make sure the information is validate with the proper documentation and also get original contract showing this is my account because I am not aware of this account. This is a collection agencies that I never had a contact with.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX is showing this still on my credit report- XXXX XXXXXXXX XXXX XXXX They agreed to delete it from my credit report. 

Equifax agreed to delete the following- XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still showing on the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Sam 's Club Annual Rewards checks were originally issued in XXXX/XXXX 2017. I called Synchrony Bank around X/X/17 due to non-receipt of my {$110.00} check. I received a confirmation letter dated X/X/17 confirming the previous check was cancelled and a replacement would be sent within 30 - 45 days. On X/X/17 I called Synchrony Bank again due to non-receipt of the replacement check. I received a confirmation letter dated X/X/17 confirming the previous check was cancelled and a replacement would be sent within 30 - 45 days. As of today X/XX/17 I have n't received my annual rewards check despite my multiple requests. I am requesting 2 things : 1 ) Your assistance in obtaining the {$110.00} via a credit to my account ( I 'd prefer not to wait for another check unless it 's coming XXXX ) 2 ) I 'd like to request that during the next Audit of this financial institution that their rewards practices with partners be reviewed specifically how many customers do n't cash checks and complaints related to non-receipt of checks. It 's appears to me issuing checks rather than issuing account credits is a way to retain some of the reward related expense due to customer 's not cashing checks they do n't receive.

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 monetary relief
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Early Warning Services LLC   XXXX   XXXX   XXXX  ACCT #  XXXX  Incident Date: XXXX /2013 Contributing Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner.   The actions of Early Warning Services , LLC are being reported negatively and prevents the opening of bank accounts and loans ; even though the agency has not been able to provide proof of documentation of the alledged incident.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with QUICKEN LOANS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: Quicken Loan ran a credit report 3 times against my approval. I informed all 3 credit bureaus in the past of any fraud of receiving my information without my permission and was to be cover for 3 mos or more. As far as the letter I received back from all 3 bureaus no one is supposed to run my credit without calling me first or my approval. It appears this has gone through and has lower my credit score even more. Please remove these inquiries from my credit history. Please DO NOT allow this to pass through again without proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX or XX/XX/XXXX, I contact XXXX XXXX to make a payment for XX/XX/XXXX and XX/XX/XXXX. This is BEFORE the 30 day mark. The gentleman read off his disclaimer and thanked me for my payment. On the XXXX, I contacted XXXX XXXX again wanting to know if they were going to take my payment out of my account. She replied, " If you made a payment we 'll get it. '' I told her that I had made a payment and I was calling to let them know that a payment was made and it 's not reflecting on my bank account. She repeated her initial statement and I ended the call. On XX/XX/XXXX, I called to make a payment and the balance was higher than the month before. He told me that the check was returned for insufficient funds. That was a complete and utter lie. After reviewing my bank statement, there was n't a NSF credit due to trying to process a payment from XXXX XXXX. Finally, after speaking to a gentleman, he stated that " I was correct. It was n't for insufficient funds. '' Of course, I knew that. He told me that he was going to dispute the 30 and 60 days late on my report. It was removed and then mysteriously re-added. After going around and around with them they simply refused to admit that the error was on them not me. Especially, since they did n't attempt to deduct the funds from my account. They already have my banking information stored without my permission, so I did n't have to provide them with anything.Therefore, I should n't be penalized for it. I could n't see if I did n't have the funds availablity, but they simply did n't attempt to retrieve the monies. They have tanked my scores XXXX points due to no fault of my own and I am down right livid and the issue needs to be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have an overwhelming student debt - between Federal and Private Loans I 'm up to about XXXX. I have been working for weeks to get someone to help consolidate, but because the amount is so high and because I do n't make all that much no one will help me to get my monthly payment lowered to a manageable amount. Navient is useless because they just keep asking me how I expect to pay them - I do n't know, I ca n't afford over XXXX/month. I 'm just trying to start paying these back, I took the loans and I accept my debt I just ca n't afford such high payments but no one seems to want to help me pay off my debt ....

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (I do not know) with Accelerated Financial Solutions, LLC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently disputed a claim on my credit report last month about a company called Accelerated Financial Solutions who had turned in a bad credit on my report. They had that the original creditor was a XXXX XXXX XXXX. for XXXX {$.00} I do not know who these people are and have never heard from them before. So the credit bureau was looking into this and undoubtedly contacted them. I get a letter today XX/XX/XXXX telling me that I owe these people this letter is from them so I called them and talked to a person which unfortunately I did not get her name but I called to tell them that I was disputing the claim and she asked me if my last XXXX social security # was XXXX and I said yes then she asked me if I had had an account with this certain bank in XX/XX/XXXX. I told her yes I thought I did at that time. She then preceded to tell me she was a debt collection company and that they were trying to collect a debt that I owed in XX/XX/XXXX from this XXXX XXXX. I told her I had never had an account with this company and that no deposit of XXXX dollars was made into an account on XXXX XXXX for me from a loan. I also told her that just because she had the name of a bank I had banked with and my social security number did not prove that I owed this money that you can get that information off of the internet on sites that you look up background information on. She then informed me that unless I send them my statements from the bank to PROVE to them with in 30 days the debt would stand and they would not take this off my credit report. I thought the law stated they are the ones who had to prove the debt was owed and also had to supply me with the original creditors. Then on top of everything else they actually have this on all XXXX credit reports listed XXXX times under XXXX different account numbers and after I got off the phone with them I called my bank told them what was going on and they have supplied me with those statements and no where on the statements does it show me having a deposit of XXXX $ It shows my XXXX check going through but that was a totally different amount. It also shows that before my XXXX check went through I was over drawn and when the deposit came through it showed the overdraft being taken care of it also does not show a amount being debited or credited for that amount on or around XXXX XXXX of XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2017 about Debt collection (Payday loan) with Check Security Associates, LLC (NM).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Warner Asset Location Services called me on XX/XX/2017 for the first time. They told me the amount I owed for a past payday loan, and demanded I pay in full amount right then. They threatened that I have one hour to pay, or she 's going home and at that point they are faxing my employer a letter of employment verification and starting the process to garnish my wages. Their communication got worse from there. I asked for time to talk to my husband and she warned again that I only had one hour to call her back and make my payment. My husband advised that I ask for a letter in the mail to verify my debt. When I asked for this they said they do not have that because they are not the actual debt collectors, but an asset location agency. They refused to tell me who owned my debt and refused to mail me documents for my debt. They did e-mail me a " Letter of demand '' stating how much I owe their company. When we asked again for a letter in the mail the manager I was speaking to stated " We already sent you the email with the amount owed, we will not be sending you anything other than that. '' They continued to tell me that I must make a payment that night or they will be starting the process to take me to court in the morning. They gave me two options after we told them we did n't have the money. Our options were a settlement of the original loan paid in full at that moment, or payments of $ XXXX monthly until we reached the amount that we owed them. They refused to take anything less than {$200.00} a month. Finally, in tears from stress and intimidation I made the payment of {$200.00}, with an agreement to make another payment in full of the remaining amount because that 's the only option they 'd actually give me. They refused every payment method other than Visa or MasterCard. They told me if I was unable to make the full payment at the end of XX/XX/XXXX to call them back and talk to them and they would work with me. When I called them back toward the end of XX/XX/XXXX, unable to make the full payment, asking if I could make another payment of {$200.00} the woman refused to accept this, telling me it was not in our original deal. I told her if she will not accept it, to remove the payment arrangement from my account and to NOT take out from my account for that following Friday. I was in distress from their harassment when I made the agreement of paying the remaining amount, and now that I told them not to make the payment they are harassing me, calling 4 times in an hour and a half. After I was of sound mind, I realized this is not a legit collection practice, even if the business is, which, I 'm unsure of, because they refused to give me any information, and I could not find any information on their company on any business, collections, or XXXX site. Only other complaints.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Multiple wrong address information..on my XXXX, Trans Union and XXXX credit files XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX../..XXXX XXXX XXXX XXXX, XXXX XXXX../. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX../.. XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ../.. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ../.. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ../.. XXXX XXXX XXXX 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 06/14/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Good Day In checking my credit report with XXXX I noted that Midwest Recovery System is attempting to collect a {$760.00} debt for VIP Cash. I am not familiar with either of these companies and in XXXX I found it to be a payday loan. I did not take out any payday loans and their practice of placing such a debt on my credit report without proper notification is not only improper but false. I am asking for assistance in getting this item removed from my report and their seeking to collect on a debt that is not only illegal in XXXX but that is not mine. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I spoke wit h two represen tatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the  last five years,  but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (IL).
Issue: Confusing or misleading advertising or marketing

Complaint: Equifax reported that the personal information of over 100 million consumers was compromised in XX/XX/XXXX and was not discovered untilXX/XX/XXXX. They did not release this information until XX/XX/XXXX - more than 6 weeks after the incident was discovered. This left millions of consumers unaware that their sensitive information was compromised by hostile parties. Equifax is offering one year of free credit monitoring and repair service through XXXX, but with one serious and abhorrent exception. After going to Equifax to enroll in XXXX, consumers must wait until XX/XX/XXXX before returning to the website and continuing their enrollment. In addition, Equifax will not send any notification when this is available. Instead the responsibility is shifted to the consumer. I hope this is n't a strategic decision by Equifax in hopes that they can protect their bottom line by betting on consumers not returning on their enrollment date. That would be borderline predatory. If Equifax had 6 weeks to prepare a response, why has n't this free service been worked out? In the words of CEO XXXX XXXX, " Equifax will not be defined by this incident ... but rather how we respond. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: was not given any notice regarding this debt, therefor unable to verify its validity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have contacted Experian about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.

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 11/25/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Billing disputes

Complaint: This is in regards to Wells Fargo XXXX CA I have had this Visa Card for many years. I fell behind but continued to pay. I started noticing Monthly fees for Purchases & Cash Advances. I have not purchased anything on this card since in over 10years & cash advances were paid back when my payroll check was deposited. I have been requesting an explanation of fees since the beginning of this year. 
There has been no response other than they are looking into it and I am free to call the dispute dept. I want a visual of what I purchased and what cash advances I have generated. My balance is XXXX 90 % is Cash Advance Interest, Purchase Interest & Late fees. I do n't use this card. They do not respond other that emailing me in my in-box telling we they are working on it and I am a valued customer. Nothing is personalized. I have advised them I am not paying until this matter has been addressed ... 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 non-monetary relief