milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account on XXXX XXXX, XXXX, using promotional code XXXX. This offer entitled me to XXXX XXXX XXXX miles for opening the account, making billpays in 2 consecutive months, and making {$1000.00} in debit card purchases. The terms and conditions stated that " This offer is available to Citi/Aadvantage credit cardmembers who receive this communication. '' Since I was a Citi Aadvantage cardmember, and received " this communication '' ( i.e. the promotion disclosure ), I applied for the account and completed all requirements. On XXXX XXXX, XXXX, a Citibank representative confirmed I had completed the requirements and would receive the bonus within 90 days. The miles had not posted by XXXX XXXX, XXXX, so I contacted Citibank to obtain a resolution. Citibank refused to pay out the bonus multiple times, even after confirming I had met all requirements, and after collecting {$60.00} in monthly fees for the account. I believe the CFPB was created to remedy the use of these bait-and-switch tactics by banks, and working directly with Citibank has proved fruitless.

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 02/15/2016 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: While reviewing my XXXX, XXXX and XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by CAPITALONE AUTO FINANCE on XXXX/XXXX/2016. I did authorize any employee of CAPITALONE AUTO FINANCE to review my records for any purpose at any time. This inquiries are fraudulent and constitutes gross negligence on the part of the CAPITALONE in clear violation of my civil rights under FRCA and Privacy Rights. As a direct result I have continued to suffer discrimination and irreparable economic loss including but not limited to denial of meaningful employment.housing and /or obtain new credits.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Student loan (Federal student loan servicing) with ACS Education Services (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: For nearly 8 months, ACS Education Services ( a/k/a XXXX XXXX XXXX XXXX ) has refused to complete a simple form that is required to qualify for a benefit of military service. 

The XXXX XXXX offers a student loan repayment program. For the XXXX XXXX to pay the loan under this program, the lender or servicer must complete a form certifying the principal balance of the loan and providing information to electronically pay the loan ( See Attachment XXXX ). 

ACS received this form on XXXX XXXX 2015 -- nearly 8 months ago ( See Attachment XXXX ). Despite repeated requests to ACS during these months, ACS has not completed and returned this form. ACS claims that it must recalculate the balance of the loan before making such a certification. Yet despite having this form for nearly 8 months, ACS has refused to even provide a time-frame for the completion of these calculations. Moreover, ACS has refused to allow me to speak with any person in the department that supposedly processes these calculations on the grounds that these personnel are not " telephone trained. '' Meanwhile, ACS continues to charge interest based on portions of the loan that would have been paid off months ago but for ACS 's inability to complete this form in a timely manner. 

Please do whatever you can to encourage ACS to complete this form and return it to me without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have reviewed my credit reports from XXXX and Transunion and they are reporting incorrect information such my name, missing employment status and the name of my employer, incorrect accounts, incorrect balances, age of credit, auto loans, an relating my name and social security to a person I have no relation. 

This affects my overall rating, access to credit, interest rates, among other information frequently used for background check. I notified my inquiries to them but no change has been made. Their lack of ethical practices is damaging my credibility as a trustful credit, I need to have them fix the reports to show what is really my income sources and creditworthiness as well as avoid potential identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PMAB,LLC (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Car was wrecked and was suppose to been covered with GAP coverage. A payment was never missed. Only had vehicle for about a month. Information on credit report is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been harassed by Natinstar reps on my cellphone and business everyday, till XXXX for the last two months claiming my mortgage is late and after follow up with their customer service they confirm that I am not late, and am current and my next payment is due in 30 days yet those phone calls do n't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Late  XXXX   XXXX  settled debt and received  XXXX  and filed on  XXXX  tax for forgiven amount regarding this   XXXX   account. On  XXXX   XXXX ,  XXXX ,  Portfolio Recovery Associates  listed a collection on my credit report. I 've never received anything from them regarding this supposedly debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NE).
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: XX/XX/XXXX I filed a complaint with XXXX XXXX XXXX Care Credit, XXXX XXXX XXXX XXXX, XXXX, FL XXXX on XX/XX/XXXX concerning XXXX XXXX XXXX ( XXXX ) of XXXX, Colorado. OnXX/XX/XXXX, I received documentation from XXXX XXXX where they had questioned a medical provider, XXXX XXXX XXXX XXXX XXXX, instead of XXXX. How XXXX XXXX thinks that the XXXX XXXX XXXX XXXX XXXX is the same as XXXX XXXX XXXX  is beyond me. 

Please require XXXX XXXX to properly investigate the complaint against XXXX as originally requested on XX/XX/XXXX and respond appropriately. 

Thanks! 


XX/XX/XXXX This charge is from the fraudulent company, XXXX XXXX XXXX ( XXXX ), who charged an exorbitant amount to write a mediocre, at best, resume that has not received any response. Their contact person just kept saying to contact your former co-workers and friends for job leads. I complained to him multiple times both prior to the end of their six months of non-help and following and never received a call back. I then complained to the Colorado Better Business Bureau in late XX/XX/XXXX or early XX/XX/XXXX, and have yet to hear from them or receive any real help at all. They did provide a short half-page list of recruiters they had supposedly sent my resume to for support. When I started calling them after no response, I found that most of them were out of business, so it is no wonder they were of no help. It is clear to me that once XXXX has the money they wanted and called 3-4 times to tell you to keep contacting people on XXXX, they are finished with support and move on to the next gullible unemployed/underemployed person. 

I subsequently contacted two recruiters ( both of whom specialize in other industries and were not able to help me ), one of whom said that XXXX is a known rip-off and expressed his sorrow that I was abused by them, and the other recruiter who identified the XXXX resume as pathetic. Additionally, two HR people have helped with suggestions to improve major flaws in the XXXX developed resume. 

As a result, I am disputing the entire charge for the lack of service and support that was promised in their sales pitch to be provided by XXXX. Please advise further in how to dispute this charge.

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 09/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with GreenSky Trade Credit, LLC (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I hired a solar contractor to install and setup my solar system back in XX/XX/XXXX They arranged the financing through GreenSky. GreenSky approved me without question for a twenty year loan at XXXX which is a good rate and the processing was seemed normal. 

The unusual thing about the loan is the contractor could withdraw the funds when the job was complete, or so I was told. I never signed anything allowing them to do that in advance. The contractor reassured me in an email that they would not charge me anything until the job was done. They did n't want a deposit either. The bank gave me one document that states that I am NOT responsible for any money charged that I did not authorize which I did not, neither orally or written. 

My solar system is not working or should I say the installation is not complete still today. The electric company and city where I live are coming onXX/XX/XXXX to finalize the installation and approve it providing that the contractor completes all of the required documentation. 

But on XX/XX/XXXX, the contractor withdrew the entire amount of the job from my bank account with GreenSky!!! I was blown away. I emailed the bank several times ( they have a special group to solve issues ) without success. The bank was supposed to have the money put back in my account onXX/XX/XXXX and the contractor agreed to do that in an email, but it 's still not there ( shows that I owe it but no payments due as of today ). I can give you all of the documentation you need. 

The bank told me in the last email that the contractor will make the payments. I told the bank that I did n't authorize the transfer of funds, and therefore I 'm not liable per their documentation. 

I 've asked for the financial documentation but no one has sent me anything other than the original documents that I signed having to do with the contractor. The bank has sent me nothing. I also told the bank that if the contractor gave them a signed document authorizing the transfer, then they forged my signature. 

I 'm submitting a complaint to the BBB ( both against the bank and the contractor ) and the Contractors State License Board of California later today. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there is a mix up on my credit report my credit report a man by the name XXXX XXXX XXXX credit has been mixed together his middle initial is the only difference we both have the same social number and the credit company it 's giving me a hard time because Their security questions they ask I can not answer because they are the security questions for the other person I have nothing on my credit report and he has multiple loan and credit cards dating back from when I was only XXXX and XXXX years old I 'm stuck in the situation where I have nowhere else to turn I tried to send them proof to Equifax and I have not gotten a response. XXXX I have nothing on the credit score the only thing that 's on that Equifax XXXX is all the other guys information there are XXXX addresses listed on the personal information XXXX of them are addresses from Tennessee I have never been There XXXX of them being in XXXX XXXX which that XXXX is my old address he has taken out student loans unsecured loans and have had credit cards he 's using my social security number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I want to escalate a very serious promotional offer and customer service issue with XXXX credit card customer service representative when I called on my XXXX reward card ( that is managed by XXXX XXXX XXXX ). I called their credit card customer services about two weeks ago and spoke with a representative for the promotional offer issue. But very unfortunately, this representative had very serious discrimination against me. This particular representative 's discriminatory statements are against US Federal laws. It was absolutely unacceptable and very insulting to me and I was extremely shocked by this kind of credit card customer service provided by XXXX. For their information, XXXX Credit Card customer service representative 's name is XXXX and her employee ID # is XXXX. Also her phone extension is XXXX and she is based in XXXX Idaho location. 

I must request XXXX to provide me at least {$300.00} compensation for the promotional offer issue as well as discrimination by their customer service.

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 06/29/2017 about Debt collection (Other debt) with JH Portfolio Debt Equities, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: i HAVE SENT THREE CERTIFIED LETTERS TO THIS COMPANY DISPUTING THIS AND I HAVE RECEIVED NO REPLY. I HAVE ASKED FOR VALIDATION OF THIS DEBT BEARING MY SIGNATURE PER CERTIFIED MAIL STILL NO REPLY THEY HAVE NOT MARKED MY ACCOUNT AS DISPUTED WITH ONE OF THE CREDIT BUREAUS AND ITS BEEN WELL PAST 30 DAYS THEY ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 623 ( A ) ( 3 ) AND THE FAIR DEBT COLLECTIONS PRACTICING ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN 30 DAYS

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 08-07-2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Problems caused by my funds being low

Complaint: i found the website and applied to the site. 
XXXXand the site is no longer available. I received two cashier checks from theclients {$9900.00} and was told to deposit them then withdraw and put toanother account. and i am now been penalized for the checks. the checkswere fraudulent checks ps. XXXX XXXX has a website and he hasindicated that he is victim of identity theft. If he is indeed the perpetrator, Iwill be pressing criminal charges. 
On XXXX XXXX : the branch manager came up to me and said the following. 
XXXX : " the check is on a XXXX day hold, do you know where the check is from because if it s a bad check we would close the account to safe our butts. do you feel anything fishy about it? 
XXXX : '' I 'm a XXXX his from California and works XXXX. i really did n't think anything about it since it was a cashier check. " XXXX : " do you know the name of the bank? " XXXX : " XXXX something and its in California. " XXXX : '' ok ill call the bank. " i was waiting XXXX mins then the teller came back and started to finish my transaction. i asked her it it was ok, she said yes and i asked her if XXXX got in contact with the bank? she said yes. and XXXX never came out to talk me again nor pop up to see if i was being taken care of nor told what the bank said nor if she did get in contacted with someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (AZ).
Issue: Vehicle was damaged or destroyed the vehicle

Complaint: I am a XXXX XXXX XXXX XXXX in Arizona. I began doing business with TitleMax Title Loans as they opened and maintained their own auto auction. Throughout the course of their operation, I have come across numerous instances of deceptive business practices and flagrant titling violations. I have proof of the numerous vehicles I purchased through Titlemax Wholesale that were deemed restored/salvage and " Not Actual Miles '' ; those discrepancies were not properly disclosed. I have one instance in particular where I purchased a XXXX XXXX XXXX from TitleMax XXXX of XXXX, AZ. The vehicle was listed for sale on their auction website and it was listed as a good, running vehicle. With the limited information I had from Titlemax, I submitted a commercially-reasonable offer of {$1800.00}. On the evening of XX/XX/XXXX, I received the notification that I had won the bid on the vehicle. That Tuesday, XX/XX/XXXX, I attempted to redeem the vehicle after having paid for it that same morning. As I attempted to start the vehicle, it would n't turn on. The reason being is that the motor vehicle had dirt in the engine and therefore, the engine seized entirely. This is just one of many instanced I can recall from the faulty Titlemax Wholesale operation. I have other dealers in my network that can also attest to such major discrepancies and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MT).
Issue: Privacy

Complaint: I requested a credit line increase after my credit line was cut by {$10000.00}. I was instructed to upload VERY sensitive financial information to the American Express XXXX site. I uploaded those documents on XXXX XXXX. I called on XXXX XXXX and the representative told me the documents had been lost due to a " technical error '' and I was instructed to upload again. I was also instructed to call the company in XXXX hours to confirm the receipt of the documents. I re-uploaded the documents on XXXX XXXX and called back in on XXXX XXXX and American Express could still not confirm if any of the VERY sensitive information had been received. They refused to let me talk to anyone in the underwriting department to verify that my VERY sensitive information was with the right people.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other

Complaint: While owning a XXXX in XXXX, I signed up for XXXX paid services from XXXX XXXX to XXXX XXXX ( XXXX year ), and when term of the contract was up I did not continue with them. Since then I had never had any business interactions with XXXX and last year ( XXXX ) I sold my XXXX. 
On XXXX XXXX, XXXX, XXXX years after I had worked with XXXX, I received a charge of {$82.00} from XXXX on my American Express XXXX credit card. I called card and reported that I do not authorize this transaction. I called XXXX, and they figured out that current XXXX just recently started a paid advertisement campaign with XXXX. While signing them up XXXX did n't bother to ask them for credit card information because they have my card associated with the same billing address on file. All that because they have a policy in place to keep all credit card information on file indefinitely. This is why my card was charged. Even though my card 's billing address has been changed long time ago. 
When I spoke with XXXX 's billing representative ( XXXX times ), instead of to apologize and offer to refund money, she said that until current studio owners wo n't pay, XXXX wo n't return money back because this is their policy. 
I thought that as soon as they recognize a total mistake on their side ( it was absolute professional negligence ), they will take all measures to correct it ASAP. Instead they offered me to call current business owners myself and ask them to give XXXX their credit card instead of mine. 
It sounds pretty outrageous as we all strive for perfect customer service and XXXX prizes itself of being a site that helps businesses improve their customer services by people leaving their honest opinions. At the same time as we can see XXXX policies are far from perfection. 
Moreover, when new XXXX did called XXXX and provided it with their credit card information, XXXX announced to them that they anyway will not refund my money. They simply do not have policy to refund in place. 
I feel like I am dealing with the company from the XXXX world country so rude and unprofessional all that sounds. 
I need your assistance in resolving this issue. At the same time I believe that XXXX should be forced to change their credit card information storing policies as they violating customers rights.

Company response to consumer: Closed with monetary relief