milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Credit card () with JPMORGAN CHASE & CO. (NE).
Issue: Credit determination

Complaint: I am  a  XXXX  yea r vet of the  XXXX   XXXX  with  XXXX  guaranteed incomes, recently retired from my  XXXX  job/career and applied for a  Chase Freedom  Unlimited Credit Card. My only negative is a paid in full Chapter  XXXX  bankruptcy that was done  in  XXXX .it  is set to fall off my credit reports this year. I was declined   XXXX   by  XXXX  and then  XXXX  even after contacting both customer service pages on  XXXX  and  XXXX  and being told to call back in. If this is h ow Chase c ares about vets it is truly disappointing. I even asked for a lower limit to start off with as this what I understand to be great company and great card to have. My wife who has the exact same " young '' credit history was approved ( minus the bankruptcy ) so I tend to feel this has more to do with ageism as I am   XXXX  year s her senior and less to do with " insufficient credit history since bankruptcy ''. I have  XXXX  debt,  XXXX  credit  card,   XXXX    years positive  rental reporting and a remaining positive a car I bought  XXXX  years ago on my  XXXX . I am very saddened that Chase does not value this countries veteran 's more and enough to give them a chance for their service when they have  XXXX  guaranteed incomes and a recent " young '' but  XXXX  percent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: APR or interest rate

Complaint: I was automatically converted from my XXXX Costco card to a Citibank XXXX XXXX card back in XXXX. I received no communication from either company, other than a termination letter from XXXX and a welcome packed from Citibank. The welcome packet contained the terms of the card, which clearly state that there are 12 months interest free on all purchases. There is no fine print stating that is not the case when the card was converted from XXXX, and there was no communication from Citibank that they would not be honoring their own agreement that was sent to their new customers. Talk about starting off a new relationship on the wring foot. As a consumer, I feel cheated and that Citibank purposely misrepresented this information to their customers to incite purchases for which they never intented to honor interest free promotions. This is a classic bait and switch marketing technique that should not be allowed. This is illegal and predatory behavior. I envision a class action suit in the near future for this and other woes encountered when the cards were transferred without consumer consent and any type of honest communication about the terms of the new agreement. Citibank should be ashamed of these practices, did these institutions learn nothing from the collapse they caused barely less than a decade ago??? I contacted customer service of course, and was granted relief on ONE month 's interest. But that does not help me because I had planned to pay off this balance over the 12 months I was promised. So now I will be incurring interest this entire year that will perpetuate the cycle of debt. Way to go, Citibank! You duped even a responsible financial customer.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. XXXX, Transunion, and XXXX. The debt has been paid. The account shows a XXXX balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: Wells Fargo claims I opened up a line of credit with their bank for {$1000.00}. I have requested a copy of the proof as to when I signed for that account to be opened. They have refused and have continuously attempted to collect an outstanding amount of {$400.00}. They have reported this account as delinquent to all XXXX credit bureaus. 
I need you to assist in helping me identify if this is something I did open and if they can show proof I agreed to open.

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 07/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ( XXXX and XXXX ) repeatedly and persistently failure to curb abuses in reporting erroneous information to the credit bureaus and by the credit bureaus.in violation of The Fair Credit Reporting Act ( FCRA ). 
These deliberate and intentional acts of unfair business practices are pattern or practice, habitual and habit forming by ( XXXX and XXXX ) to date. I have notified Equifax , XXXX of these invidious discrimination, invidiously discriminatory behavior. 
Equifax , XXXX and XXXX XXXX knew or reasonably known there acts in violation of The Fair Credit Reporting Act ( FCRA ). and deliberately encroach upon my protected rights secured by XXXX XXXX, States of XXXX, and XXXX. 

All knew or reasonably known there reckless disregard for my rights to dispute negative information in my credit report that is gross fabrication, adversely impacting my credit scores, defame my good name reputation to date. 
The credit bureaus having 30 days to verify the disputed information with the XXXX and proven with affirmative evidence did verify the disputed information within 30 days, my accounts of events are true and therefore any erroneous information must be deleted from credit report. Equifax , XXXX and XXXX XXXX failure to correct blatant errors and mistakes in my credit report warrants civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: 1. On or about XXXX XXXX, I searched for a XXXX hotel in XXXX, XXXX on " XXXX '' and booked the XXXX rated XXXX XXXX XXXX Hotel for XXXX XXXX. The booking was non-refundable. 
2. On XXXX XXXX, I called and wrote XXXX a letter asking for my booking to be cancelled because I learned from XXXX that the XXXX was undergoing major renovations and guests were complaining about their stay. The renovations were not disclosed on the XXXX website. 
3. XXXX refused, both on the phone on XXXX/XXXX/16 and by an email reply to my letter on XXXX/XXXX/16, and instead assured me that there would be no issues with the renovations. I therefore had no choice but to use the reservation since it was prepaid. 
4. The XXXX was nowhere near the XXXX hotel that XXXX advertised on its website. It was very noisy, there was no lobby for the use of the guests and their visitors, an essential feature of a XXXX hotel, and the restaurant was also very noisy and probably contaminated from the construction. 
5. When I returned home, I disputed half of the $ XXXX charge to my Citibank credit card on the basis that I did not get the XXXX hotel that I had booked as XXXX had advertised the XXXX to be and committed to deliver to me. 
6. Citibank refused my dispute and gave me XXXX different reasons on different occasions : That the booking was non-refundable : While this is true, I argued that this does not excuse XXXX from delivering goods or services that were agreed upon. Not delivering what was agreed upon is a valid billing error. 
That I had received the goods/services : I asked Citibank how would I have known what kind of goods/services I would get if I did not go ahead with my stay at the XXXX, especially since they assured me that the renovations would pose no problems? 
That I did not provide Citibank with a credit slip from the merchant : I told Citibank this is not a " missing credit '' dispute, so how could I produce a credit slip? 
7. Citibank never answered any of my arguments above. Neither did Citibank ever dispute my contention that the XXXX was not the XXXX hotel that I booked and contracted for during my stay there. 
8. XXXX claimed that the renovations were disclosed. But even if that were true, XXXX admitted it was at the very bottom of its webpage, so this was not in accordance with " Truth-in-Advertising '' rules on disclosure of material information. I provided Citibank with the rules but I never got any comment on them. 
9. It is clear from Citibank 's irrelevant, evasive and round-about replies to the issues I raised that it never investigated my dispute as required by the Fair Credit Billing Act. This is one reason for this complaint I am filing. 
10. The other reason I am filing this complaint is Citibank never provided me the results of its investigation, in writing or by any other means, as required by the Fair Credit Billing Act.

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 07/24/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: my name on my nys id is XXXX XXXX XXXX and in my equifax, XXXX and XXXX credit report show as XXXX XXXX XXXX XXXX XXXX and that is not correct my id says XXXX XXXX XXXX dob XX/XX/XXXX address is XXXX XXXX XXXX XXXX, XXXX, new york,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 'm trying to update my current address with Equifax. After a 20 minute discussion with a representative that does not reside in the US they still have my address wrong. The reason they gave me was because my credit is frozen. However, they asked me very detailed questions to verify my ID, but would not update my address ( Which I 've been at for 2 years now ). They wanted me to fax my SS #, Drivers license, who uses a fax machine??? I just want them to update my address which should be easy after they have verified who I am.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit card () with STATE FARM BANK, FSB (TX).
Issue: Customer service / Customer relations

Complaint: I had an account with State Farm Bank, ( credit card ) with a small amount outstanding. In fact I rarely used that card due to its high interest rate. 
I was reported to credit reporting agencies according to the Bank on XXXX occasions for late payment. 
I never received any statements from them, either by mail or e-mail. In fact after receiving a letter from them several months ago, I asked them to send me paper statements. I was told they would but in fact that never took place. 

I subsequently spoke with a supervisor who asked me if I had been made aware that their e-mail services were not compatible with a XXXX browser. This information was never relayed to me, hence the statements were never received. Once again I asked for paper statements, and once again, the bank omitted to comply. 

I asked the supervisor to start a review to remove the bad reports to the credit reporting agencies. 
Received a letter from the bank 2 days ago stating that " the i related to my recent credit reporting dispute, has determined that the information we provided to the consumer reporting agencies was accurate ''. 

In this case obviously, the bank was negligent in providing relevant and necessary information to me ( the client ) regarding browser incompatibility and failed on two occasions to comply with my request to provide me with statements via XXXX as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Hi there I tried to contact Free Annual Credit Report on XX/XX/XXXX,  and submitted to CFPB on XX/XX/XXXX also the first complaint re not getting my Transunion report ( or XXXX report ). On XX/XX/XXXX I had a response to complaint XXXX about TRANSUNION. Transunion asked me to resubmit complaint with a copy of two documents ( documents to choose from a list - one being a bank statement ) - because they wanted to see my latest mailing address. I am now resubmitting the complaint with two copies of bank statement from within last two months. Please send me my free 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 01-03-2017 about Payday loan () with Advance America, Cash Advance Centers, Inc. (OH).
Issue: Payment to acct not credited

Complaint: I have a complaint about a transaction at this store : XXXX # XXXX XXXX Cleveland, OH XXXX NCP Loan Number : XXXX I was told that it was part of XXXX is part of Advance America. 

I 've been taking out loans on and off from this location for about XXXX months. In earlier loans, I was given the option if I wanted the repayment withdrawn automatically from my checking account. Then I was told if I wanted to " re-up '' the loan, meaning process another loan right after paying the first one back, I would have to come in because it can take their system XXXX days to recognize the first loan had been repaid via automatic withdrawal. Finally when I took out my latest loan, the story changed once again and I must come into the store to repay, there is no automatic withdrawal option - even though I received text messages confirming they would process an automatic withdrawal the next day if I did n't stop in on the due date. They even called me and my husband to harass us because I had n't come in. 

I believe they are changing the auto payment rules to encourage people to re-up their loan, and never really pay off the cash advance. Please feel free to call me if you have any questions. 

SincerelyXXXX cell XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (MN).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/2016, I started working with CITIMortgage for a " loan modification '', this comes after the interest only loan ballooned and payments tripled and am behind behind. Because I can not make the larger payments and the threat of foreclosure, I felt I needed legal help with Foreclosure Defense & Mortgage Mitigation help. XXXX XXXX XXXX cohearsed me into giving them a {$1100.00} retainer and $ XXXX/mo. fee. Was told they would take care of everything and it would take 3-4 months. Promised weekly updates, never called except to see if payment was available, I have since stopped payments, this firm 's address is in VA, but calls come from D.C.. I did not know of Minnesota Law prohibits this kind of activity and I find it unconscionable for Big Banks and Mortgage Litigation scammers to string along homeowners far beyond their abilities to fight and keep their homes.

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 09-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: We took out a Parent Plus Loan from Navient for our daughter to attend XXXX. She graduated in XXXX, XXXX so the payments started in XXXX of XXXX. We make ( 2 ) payments every month : 1 ) {$1700.00} for our portion of the Parent Plus Loan and 2 ) {$300.00} for a student loan our daughter, XXXX, took out to close the gap. 
We make the payments every month and we pay more than is required. 
In the twenty ( 20 ) months that we have been making payments, so far Navient has 1. Lost a check for {$300.00} even though BOTH checks are sent in the same envelope every month and 2. Did not credit our XXXX XXXX payment of {$1700.00} to our account even though they did credit the {$300.00} and, again, BOTH checks are sent in the same envelope every month. 

Fortunately, because we had gotten ahead on the {$300.00} payments ( Navient sent two invoices within the month of XXXX, XXXX for the same payment so we just made the extra payment to make sure there were no problems ), the only consequence of losing the {$300.00} check was that we were no longer ahead on the account. 
In the case of the missing {$1700.00} credit, I called Navient when I noticed that the invoice we received showed the account as Past Due. After waiting on hold for nearly 20 minutes, the Navient representative told me I would have to fax over a screen shot of my bank account showing that the payment had cleared. Because Navient does NOT actually cash checks but uses the checks for electronic withdrawals, there is NO cancelled check for me to send to show the payment had been made. As of today, I have not heard anything back from Navient as to the status of my account ( this was done on Thursday, XXXX/XXXX/XXXX ) so I will have to call them again tomorrow to make sure the payment has been properly credited. 

Clearly Navient is a sloppy company that is raking in billions in student loans. In only 20 months of payments they have made 2 very careless mistakes. Something needs to be done to hold their feet to the fire and make sure they are servicing these loans in a responsible matter. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (I do not know) with LEXISNEXIS (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This complaint concerns a credit reporting agency LexisNexis case # XXXX I requested my credit file from them over 8 months ago and have not received my credit report from them to this day XXXX LexisNexis sent me a letter stating they could not identify me as being who I am. and asked me to send them my identification and address in which, I did send them my drivers license with the correct info and my correct address. That was 2 months ago and still have not received my consumer credit file from them. I would like the CFPB to do what needs to be done to shut this agency down or take further action against this consumer credit reporting agency for the consumers. Thank you for your help I will wait to hear from your office concerning this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: APR or interest rate

Complaint: Te interest rate on my sears card is now at 25.49 %. I do n't use it or carry a balance, but it makes me mad that a company can charge that much with no recourse. There used to be laws regarding unreasonable interest rates like that, but new laws have allowed for this kind of predatory credit practice. One more reason for me to avoid shopping at Sears.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: My complaint is against the credit agencies, XXXX and Transunion. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with the Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX.filed judgment in court. I sent payment as per agreement for {$250.00}. Company said my payment was only {$25.00} although they had cashed it for {$250.00} from their bank and check had cleared for {$250.00}. They attempted to garnish wages without notifying me and I had to correct error and send them proof of information they had ( ie canceled check and proof of funds ). They blamed my handwriting and said they did not have to notify me of anything. Company representative " XXXX '' never notified me of options such as settlement options which I found out 3 years later I should have received. Caused embarrassment and issues with my employer

Company response to consumer: Closed with explanation