milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was a customer of XXXX. After XXXX bought XXXX my bill started going up on XX/XX/XXXX. I called XXXX several time to complain about my bill. They failed to do anything about it. I was under a contract till XX/XX/XXXX so I did n't want to cancel. In XX/XX/XXXX, I called XXXX to return XXXX of the XXXX receivers I had, so I could save money. The next month I received a bill of {$810.00}. I called XXXX immediately. I was told that the previous representative cancelled and restored my service and the account would be credited back for the early termination and prorated charges. The next month came and I did n't see any credit. I called XXXX they said it can take 2-3 months for the credit to show. In the meantime, I was getting late charges for the balance they caused and I had promotional offers that were removed for my account that I was supposed to have till the contract ended on XX/XX/XXXX. I wrote to the corporate office. When they finally wrote me back they promised me they will credit me for there mistakes and inconvenience. On XX/XX/XXXX I still did n't get all the credits I was promised so I cancelled since my contract was over. In XX/XX/XXXX I was checking my credit report and saw a {$300.00} collection from XXXX and past due history for 30, 60, 90 and 120 days. I have several emails from the corporate office of XXXX I can forward to whoever will be handling my complaint.

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 02-06-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: Santander sent me a letter dated XXXX advising me credits of {$910.00} and {$1600.00} would be applied to my car loan account. Despite evidence of payments sent to Santander from the XXXX and a request to have the payments applied, Santander has never provided payment history evidencing those payments were applied. My car loan was paid in full on XXXX/XXXX/XXXX. The reason given no to provide the payment history is I am being represented by legal counsel. This is an inaccurate statement as XXXX/XXXX/XXXX and it is no reason to deny my request for payment history. Initial attempt was a certified letter sent on XXXX XXXX, XXXX of which I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern : On or about XX/XX/XXXX I called Citi Mortgage in order to make a request for the canceling of the PMI in my home mortgage. On XXXX I received correspondence from Citi Mortgage and it stated that as a requirement of the canceling of the Principle Mortgage Insurance ( PMI ) in my mortgage loan that my loan to value ( LTV ) would have to be at or below 75 %. This is in contradiction of the information given on the Consumer Financial Protection Bureau 's web site which states : These rules apply to mortgages closed on or after XX/XX/XXXX. Federal law generally provides XXXX ways for you to remove PMI from your home loan : canceling PMI or PMI termination. 
( My loan closed after this date ) The Homeowners Protection Act gives you the right to request that your lender cancel PMI when you have reached the date when the principal balance of your mortgage is scheduled to fall to 80 percent of the original value of your home. 
( It goes on to say ) Even if you do n't ask your lender to cancel PMI, your lender still must terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. 
I want this benefit and upon pointing this out to a Citi Mortgage Representative # XXXX on XX/XX/XXXX to no avail I was told by her that 75 % is the rate at which I can obtain the canceling of the PMI in my mortgage lo

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Bank sent an offer letter to settle a Home Equity Line of Credit for less than the original amount. 

Settlement term was to " Cancel any any outstanding balance on the account '' Settlement payment was sent to and cashed by Chase Bank. However, settlement term was not honored because balance still shows on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've been a victim of identity theft. XXXX XXXX XXXX i checked my XXXX XXXX  account and noticed there were hard inquiries that i did not authorize on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I 've contacted XXXX and Transunion as well as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX in regards to these ( 6 ) inquiries being disputed for removal multiple times. I also filed a police report and placed a fraud alert on my accounts. I was advised these inquiries would be removed after contacting the aforementioned companies. It has been 30 days since the date of the inital dispute and neither credit reporting agency has resolved this matter and are in fact now stating that these inquiries will not be removed in order to maintain records. In addition to this negatively impacting my credit score it has caused closure of 3 of my existing credit cards at which i was a loyal and responsible customer which were otherwise in good standing because of the issue being unresolved ( multiple inquires that were fraudulent are ruining my credibility. ) They have had many security breeches and the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed as soon as possible.

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 02-07-2017 about Consumer Loan (Pawn loan) with EZCORP, INC. (CO).
Issue: Lender damaged or destroyed property

Complaint: I pawned a heirloom ring with EZ Pawn, XXXX XXXX XXXX XXXX, XXXX, CO. I paid faithfully and on time for 10 months. When I went to redeem my property on XXXX/XXXX/17, I paid the remaining balance of {$300.00} and was then told that my ring was lost or stolen. The store manager, XXXX, stated that they looked everywhere for the ring, viewed security footage, and determined that a store employee must have stolen it! I was not offered a refund on my monies paid in, or compensation for the value of the ring. I was told to " go home, and wait 48 hours, and we will contact you ''. I was resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Prepaid card (General purpose card) with CITIBANK, N.A. (CA).
Issue: Managing, opening, or closing account

Complaint: I got 2 Pre Paid Debit Cards issued as a Reward by my Employer one for {$500.00} & Other for {$250.00}. The Cards Had an Expiry Date of XXXX. 

I did not use the cards before the expiry date and all the Funds ( {$750.00} XXXX in total - were unused and the cards expired. 

When i contacted the Issuer ( Citi Bank XXXX to ask about re-issuing the cards for the remaining amount - after deducting the applicable Monthly Maintenance Fees ( {$3.00} Per Month as outlined in the Service Agreement ) - i am being told that, the Balance Amount Can not be returned. 

The Card Holder Agreement Does not have a forfeiture class where in it is indicated that the unused funds will be forfeited after the expiration date. 

I am shocked upon knowing that i stand to loose {$750.00} - even when i am ready to pay the monthly maintenance fees. 

Can you let me know - what options are available for me to pursue recovering the unused funds - {$750.00} - and how to get this done? 


Sorry..I was out XXXX and hence ca n't attend the call. 

I talked with my employer and to the Citibank too. But they again confirmed that I wo n't be getting my money back. 
Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-12-2017 about Bank account or service (Checking account) with DISCOVER BANK (CA).
Issue: Account opening, closing, or management

Complaint: Discover Bank charged me {$30.00} to send an outgoing wire, only to reverse the transfer 8 days later, {$42.00} less and no good explanation. 

On XX/XX/<YYYY>XXXX/2017, I initiated an outgoing wire in the amount of {$120000.00} from my Discover Bank account to a XXXX bank account. Discover bank deducted from my Savings account {$120000.00}, plus a {$30.00} transfer fee, and mailed me a confirmation, indicating that fund would be received on XX/XX/2017. 

On XX/XX/2017, Discover Bank returned {$120000.00} " Reverse Outgoing Wire '' to my account. I got a missed call from them, but they did n't leave a message. 

From XX/XX/2017 and XX/XX/2017, I have been in contact with Discover bank 's outgoing wire department through secure messages and phone calls. I learned that the reason for the returned wire was " no conversion instruction ''. I disputed that no such info was required, and it was clear on the wire instruction form that fund sent to an foreign account would be converted to local currency. I demanded an investigation and to receive a written response, and to be refunded the {$72.00} that I lost. 

As of XX/XX/2017, I received no response. The " secure messages '' I sent and received on Discover bank 's website have disappeared as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with American Credit Resolution, Incorporated (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I spoke with a woman named " XXXX '' at a company she told me was called XXXX, and that I owed a debt to XXXX for a breach of contract for {$730.00}. She claimed I needed to either make a restitution payment on my alleged debt today, or I would be immediately served with a court notice. She absolutely refused to provide me with any paperwork or proof that I owe the alleged sum. She said that would be provided when I went to court. I asked for some additional time to make the decision so I could consult my attorney. She refused. She said they were n't a collection agency, but a mediation firm and if I did not make the restitution payment, I was automatically selecting to go to court, which could result in paying higher fees. For the entire call, she took an incredibly disrespectful, condescending tone. I asked her for information that she refused to provide. I begged her to transfer me to someone who could be civil and respectful. I asked her REPEATEDLY to transfer me and she said " the outcome will be the same '' - I told her I did n't care, I just wanted someone who could be respectful. I asked her several times to stop being rude, and she denied that she was, and she referred several times to the fact that I was crying. When I asked for the final time to transfer me to another person, she said " hold on, let me tell them I have a crier on the phone. '' I was placed on hold. Her parting words before transferring me were, " good luck in court, XXXX XXXX XXXX. " Come to find out, after the initial restitution payment was made and I received the receipt via e-mail, the company is NOT called " XXXX '' but American Credit Resolution , Inc. So she misrepresented where she was calling from, and probably her name as well. She refused to provide me with a last name. She said she was the only XXXX there.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company has over the past 2 weeks called me several times daily, leaving messages & harassing me when I do pick up. They 've insisted on acquiring my address, my bank account information, my employers name & address, etc & up until today when I called to ask for the address & business name, refused to communicate to me who they were or what they are trying to collect for. Furthermore, I told them to stop contacting me, at which point they claimed they will continue to trace me by contacting all of my relatives and any/all references I 've ever used in the past. They then proceeded to call my ex-husband & my parents & threatened both of them to give any/all information they currently have about me so that law enforcement may find me & put me in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Payday loan () with Sands Recovery Group (RI).
Issue: Can't contact lender

Complaint: Should be marked as other. Mainly, Sands Recovery is a debt buyer who has chosen a path of purchasing debt accounts without properly validating such debts. There is no debt here, no chain of title back to the lender. It is unclear if they sold the debt or assigned it to a separate company for servicing. Sands and XXXX XXXX XXXX should be looked into for not validating the accounts prior to selling to the next entity.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I studied at XXXX, FL XXXX XXXX for XXXX XXXX XXXX Degree. My private loans through XXXX trying to force me to make a XXXX time payment of {$78000.00} and they would wipe out the interest of {$35000.00}. or the other option was to make a XXXX time payment of {$62000.00} or XXXX months payments of {$10000.00}. I asked the women that was on the phone time after time that there has to be other payment plans that are lower and would work for me but she stated that those XXXX options were all that they have to offer. 

My Grandmother also took out a private loan to help me finish my schooling and XXXX XXXX they had her got a loan through XXXX totaling at the moment {$18000.00} and is trying to force my grandmother whom lives in a home to pay the total in XXXX lump sum, instead of working with me so that I can pay it off for her in small amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There was a small case suit against me in XXXX, as which, this was never placed on my credit files. The case was handled in mediation. The final payment was made in XXXX XXXX ; and now XXXX XXXX this has been placed on my credit files with all major credit bureaus. I am seeking help in reference to finding out why the major credit bureaus waited 5 years later to place this on my credit files? Why? I am hereby asking that XXXX be removed from all major credit bureaus because this was resolved in XXXX in mediation and was paid off in XXXX XXXX. It seems as though the credit bureaus of retaliating against me due to the many disputes I have submitted based on the laws. I am crying out for you to assist me in getting this public record removed from my files ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Concerning my XXXX XXXX Line of Credit ( Acct. No. XXXX. ), Experian is presently reporting ( 2 ) instances of this account on my credit file. Experian is in violation of state and federal law in doing so. I demand that Experian delete BOTH  instances of XXXX XXXX Line of Credit ( Acct. No. XXXX ), in its entirety, from my credit report. Or, delete the > 30 day late payment reported for XX/XX/XXXX. Reporting XXXX XXXX Line of Credit ( Acct. No. XXXX. ) 2 times is unnecessary and is adversely impacting my credit score. Also, reporting the XX/XX/XXXX as late is also adversely impacting my credit. Please delete both instances of XXXX XXXX Line of Credit ( Acct. No. XXXX ) from my Experian credit report immediately.

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 02/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I applied for an American Express XXXX XXXX XXXX which promised {$250.00} after spending {$1000.00} in 90 days. They only gave me {$150.00} after I put in the purchases of over {$1000.00}. I put in a request to have it researched on XXXX XXXX. I called them half a dozen times and it is still not resolved. I sent them the screenshot of their advertisement. They still have not resolved the issue. I am going to file this and let them know I will close my account and deduct what is owing me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Other financial service (Traveler’s/Cashier’s checks) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Lost or stolen check

Complaint: I deposited traveler checks at Bank of America XXXX, PA XXXX on XX/XX/XXXX. 

It is now XX/XX/XXXX and I still do not have the money for the checks. 

When I followed up XX/XX/XXXX, I was told by the teller that they will take up to 30 days to process though when I deposited them was told only 2-3 days. 

My next followup a few days later I was told they could not find the checks and they were. Next, they were just going to take 20 days to clear. Then they did n't know what happened. Now they ca n't find them though I have the despot receipt and no money showing in his account for the checks. 

They told me I had to contact XXXX ( who supplied the checks ) when I did not purchase the checks, the checks were given to me in form of payment. 

I still can not get a straight answer. I hear the same excuse over and over again. The manager I am unable to contact via phone though she gave me her number. I have lost pay for all the times I had to go into work late in order to resolve this issue. 

Why do I not have my money after 6 months?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (DC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have been trying to track down my student loan debt with navient once it moved from under XXXX. Due to awful communication and customer service from Navient, the debt then was moved to collections under General Revenue Corporation. They had an old address that I have not lived at for over 3 1/2 years and were sending letters to that old address which were of course not forwarded anymore. So, they started calling everyone and anyone they felt was associated with me. They had my phone number and email correct just the wrong mailing address. I find it harassing and professionally embarrassing that they were calling people who I do n't even know that they had marked as " possible associate '' on their call list. They finally called collegue over at the White House, at the EOP, how mortifying! He emailed me today about it and I resolved the issue with General Revenue Corporation. I am going through my security clearance renewal and have an upstanding reputation in my Federeal community and this is just, very very unnerving. I feel that General Revenue Corporation overstepped all boundries in acceptable methods of contact, calling people I do n't even know and collegues I rarely see. My current address is easy to find online and via DMV and public records. I went through this very long list of people that GRC had on my file as " possible contacts '' and did n't even know some of them! Creditors should not me randomly calling people who may not even know you or who may only be professional colleagues to try and contact you regarding debt. It is inappropriate and harassing behavior that can also lead to negative professional ramifications. 
I 'm happy to provide a dozen contacts as long as creditors like General Revenue Corporation do n't make up a random list on their own using whatever random methods and call professional colleagues at the White House. Especially when they can find my current address easily as a matter of public record.

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 05/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing statement

Complaint: Hi, I have a credit card account with barclaycard called XXXX XXXX card. I have my payment setup on repeat pay for the " statement balance ''. My last balance was {$670.00}, which I paid myself on XXXX XXXX. However, barclaycard deducted another {$420.00} from my checking account on XXXX XXXX. When I called and complained about the situation, they told me that the repeat pay will deduct " current balance '' up to your statement balance from your account even if you have paid the balance in full. 
This means they can deduct up to twice the " statement balance '' in XXXX billing cycle. 
Although the manager told me it is in terms and conditions, I was not able to find it. This situation created problem for me since I need to find money to pay my other bills. Also, I think it is a way of taking benefit from customers and deducting more money than it should. I feel that I am not the only XXXX abused, and other customers could have the same problem.

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 10/26/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (VA).
Issue: Unauthorized transactions/trans. issues

Complaint: On Wednesday XXXX XXXX 2015 money has Been missing off my pre paid rush card my money came on my card around XXXX and ask soon ask i when to check my account i saw a transaction of XXXX dollars i didnt make. I really need that money a back on my card

Company response to consumer: Closed with non-monetary relief