milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/18/2017 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is in regards to my Care Credit account which is a credit card. Care Credit is a subsidiary of Synchrony Bank. There was a fraudulent charge on my account for {$750.00} on XX/XX/XXXX from XXXX in XXXX, CA, I live in XXXX Ohio. Care Credit is not allowing me to make a payment on my account for the balance that I had prior to the fraudulent charge. Care Credit has admitted that they have mishandled my account while investigating the fraud and due to that are now unable to take a payment. They are advising me that I now have a credit on the account and there is no balance owed. I spent 1 hour and 40 minutes on the phone with them today to find out that their Risk Department has mishandled my account, they do n't know when it will be fixed and they ca n't take a payment because it states I have a {$0.00} balance. The representative on the phone advised that the only recourse with the company that illegally used my information was to get a lawyer. No resolution was provided or ETA for the errors caused by Care Credit to properly fix my account.

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 10/26/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am writing to dispute erroneous information on my profile by Experian. Experian is refusing to delete erroneous information which has proven to be false per the Credit reporting Act. The Creditor XXXX XXXX XXXX. This account was never late. On XXXX/XXXX/2015, I sent a cashier 's check to the lien holder. In the memo line showed this was 12 months of car payments. The lien holder is now noting my account as being late. Which it has never been late. I have attempted for XXXX to delete this account as it has never been late, but yet they refuse. The Creditor failed to apply the funds as directed and inadvertently reported a late payment due to the negligence of the creditor. All parties are aware of this fact. i submitted proof/documentation of said events to Experian. The credit bureau has refused to do a proper investigation and allowed erroneous information to be reported to its agency. This has cause personal hardships.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit card () with CITIBANK, N.A. (CT).
Issue: Rewards

Complaint: I received an application for another citi AA card with XXXX bonus miles if I purchase {$3000.00} with first 3 months. I have had my primary card for approx short of 2 years and has been in excellent credit history and payment history. I was surprised that they were asking me to apply for a second card, but I figured the extra mileage points were a welcome and they would waive the annual fee for the first year. I applied for the card and I was accepted. I remember reading that I had to purchase {$3000.00} within first 3 months of the the new card to get the rewards. WHY because I could not find any mention of ANY rewards with my new card on line until I called customer service and was told of the terms I have stated above. I also submitted a comment that there was no mention of awards on my new card. Now after months of back and forth with CITI customer service on line with form letter responses, I finally get a real response from a senior complaint specialist stated that " from time to time we send promotion to customers who dont qualify for the promo even if they open a second account, our apologies but sorry '' They are contending that since my first card was less than 24 months open ( 21 months in XXXX ) I was not eligible for rewards but did get a second card which I have charged over XXXX dollars already. 

I stated that they have misled me and I would have never opened a new account if I knew that I would not be eligible for promo mileage bonus. I have been an exceptional customer and a fairly educated man and I can not believe that they can get away with this irresponsibility. This is wrong! Flat out wrong and misleading! 

I hope you can get through to them since I can not. 

I appreciate your help Sincerely 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 explanation
Consumer complaint received 03/19/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: i have a credit of XXXX dollars with american express credit card # XXXX but american express refuses to return this money to me. 
i urgently ask you to interfere on my behalf so that i can get back the money that belongs to me. 
thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2015 about Debt collection (Credit card) with Convergent Resources, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Convergent continues to send me collection letters and calling my cellular phone after being advised that the debt they are attempting to collect is more than the 4 years for the state of Florida. XXXX account is for a balance of {$17000.00} which was first delinquent on XX/XX/XXXX which is more than 13 years old and also received a pre recorded call on XX/XX/XXXX at XXXX. In addition received another collection notice from same agency for an amount of {$160.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from a third-party agency. Therefore, it MUST be deleted.

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 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: the told me to sign a piece of paper, that i did not read, because it was not in laymen terms.It would have taken me hours to read  it.She  told me it was to be used to ONLY check my credit report in case i needed a loan..I found out later it was for a credit card, that if i knew, would have never gotten it.I got it in the mail a couple of days later and within minutes cancelled it.In doing so, my fico score dropped from  XXXX  to  XXXX .Just because i was lied to, and trusted them.The only thing i asked was to take the cancel off of my credit report to get my points back.They refused!

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 01/29/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I signed up for a credit card at a express store in XXXX, CA in XX/XX/XXXX and when I received my bill in late XX/XX/XXXX it had a late fee. I paid that late fee instead of disputing it and continued making regular payments until XX/XX/XXXX when I paid the remaining amount on the account. Fast forward to XX/XX/XXXX I ran my credit with a service that came free with XXXX   and my score was about 200 points lower than it was on XX/XX/XXXX stating that I had a balance on that express card and it reported late fees. When I called XXXX XXXX ( the bank express uses ) they acknowledged the error and removed the late fees, but said I had to  send in a dispute to get it off my credit report. The cashier at the express typed my address off of my ID and left out the apt number, but I didn't notice this till I started researching how I could owe this much so I'm not sure how I was supposed to receive the bill and why XXXX XXXX couldnt removed this reported late fee after they removed the charges from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/18/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (WV).
Issue: Application, originator, mortgage broker

Complaint: According to my latest credit report, FREEDOM Mortgage has reported payments missing on mortgage account ( XXXX ) Credit report shows delinquent 30-59 days, 60 days and 90 days FREEDOM Mortgage reported delinquencies have resulted in a dramatic drop in credit scores. I find these delinquencies appalling and outrageous. Due to the numerous setbacks/delays and FREEDOM Mortgage authorization to miss two payments during closing on refinancing application, XX/XX/2016 Freedom Mortgage informed me that they could not proceed with closing until account had been brought up to date. I had been led that I was authorized to at least two payments, while preparing to close on refinance application. During this process their had been numerous setback/delays, with no explanation. Due to FREEDOM Mortgage 's unwillingness to process refinance application in timely manner, having been given the run around, having been deceived on several occasions and Title company continuous delays in approving subordination, I had been forced to enroll into the repayment plan for six months. I was in compliance with they terms and conditions. I even sent documents to support authorization to miss mortgage payments. Instead of FREEDOM Mortgage admitting that they may have been wrong and proceed to reassess the situation has proceeded to report negative comments on credit report which has resulted in a dramatic decrease in score.

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 04-03-2017 about Consumer Loan (Installment loan) with CREDIT BUREAU OF NAPA COUNTY, INC. (VA).
Issue: Managing the loan or lease

Complaint: My first contact with this debt collector was in being sent a photocopy of a bill from the original creditor. 

I sent them an affidavit requesting documentation from this debt collector showing the contract from the original creditor stating the true and accurate final debt amount owed to the original creditor and stating that this debt collector was given the right to collect the original creditor 's final debt amount. 

The FDCP mandates that debt collectors have 30 days to respond to debtor requests for proof of true and accurate debt information. 

This debt collector did not respond nor provide me with any documentation. 

Therefore, I consider this to be a case of fraud and extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have contacted members of my family on their cells phones. No idea who they even got those numbers which mean they are paying to use some type of investigative service when they had my number. they should not be calling family members.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: After disputing debt through XXXX, account was closed. Then reopened by being transferred to debt collector which was also submitted in court under Bankruptcy. Have not been able to communicate with them to dispute reopened account. Which is inaccurate.

Company response to consumer: Closed
Consumer complaint received 02-01-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016, I filed bankruptcy and the courts notified both Caliber Home Loans and XXXX but they are still trying to bully, strong arm and harass me publically by keeping the house on the auction market for a XXXX XXXX, 2016 sale at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Vehicle loan or lease (Loan) with AQUA FINANCE, INC. (FL).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: This is a add on to a complaint I already put in on XXXX XXXX,2017 complaint XXXX about AQUA FINANCE, INC.. 

I had put in this prior complaint and was surprised and thought great customer service since I received a call the next day on XX/XX/XXXX from a " XXXX '' who was in management ( called from a unknown number ) and she apologized over and over how Aqua Finance was wrong in this whole process with me, all representatives/Managers I spoke to all stated I was late/past due and that was incorrect regarding my account, which I am very upset about if I did not know my laws and or rights then that would of been it. XXXX explained how all of this was " bad training and they will look into this '' and how she wanted to move forward with the process of loan I agreed she stated she will make notes and forward all my info to the head guy in financing and I will get a return phone call. Well go figure .... it is now 8 days later and no returned phone call or any emails etc..I have no idea if I was approved, denied, nothing! I am so frustrated with this process especially how I feel I was told I was denied original on the prior claim which is NOT correct and in my eyes a " False Statement '' from the Finance Company this is very unprofessional and agian I am highly frustrated due to now allowing them to move forward and fix the problem they have made the situation worse and once again misleading information by having someone contact me back ( after pulling my credit ) and NO ONE can communicate with me in regards to the loan process, I have no call back number for this XXXX and I do not want to even call customer service do to the prior complaint and I was mislead/lied to by all the managers ... .this is the MOST horrible experience I have been through when applying for a loan, especially frustrating that I have a existing loan which is in good standing so I have a relationship with this company already.I need to know what I can do about this i feel like I have false denial statements ( original complaint ) and now this company has pulled my credit and no phone calls back to me ... .I am ANGRY!!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify my loan with Citimortgage for over 5 years. I have spent over {$35000.00} with attorneys and consultants. I have spent thousands of my own hours as well trying to work through their system. I have been lied to, I have had paperwork lost, I have had to cancel business trips in order to file court docs and most importantly, I 've had to explain to my kids how we could be forced to leave our home at any given moment. I have copied XXXX XXXX, the CEO of Citimortgage, on dozens of documents over the past year pleading for fair and reasonable treatment. She has provided no help. 
I need to have my foreclosure stopped and I need to sit down with someone with my bank statements and renegotiate my loan as they have done for so many others.

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 07/25/2016 about Credit card () with ENCORE CAPITAL GROUP INC. (CT).
Issue: Other

Complaint: Midland Funding # XXXX The creditor did obtain a fraudulent legal judgment against me by filing an illegal lawsuit. The creditor has shown no proof that the debt was even properly assigned to them, nor that they are the actual owners of said debt. Additionally the creditor 's " affidavit of debt '' was " robosigned '' and no actual verification of the actual amount of debt owed was verified in the law suit, therefore the affidavit was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: I am making payments on my.car and found out though my credit report they are not on their along with my other creditors.So i just need to know what to do about this matter.They are not reporting my payments to the credit bureau. 
:

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (NY).
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: ARS reported debts on my account a few years ago. I requested validation because I knew nothing about this - ARS failed to validate with me after I sent them a registered letter. I sent this information to all three  credit bureaus ( XXXX, XXXX, XXXX ) - the credit agencies removed the ARS listings. Fast forward four or so years. THE SAME listings pop up once again. once again I sent a request to ARS about these, what are they please validate. They again fail to do so. I sent this information over the the three credit agencies. XXXX deletes the listings. XXXX deletes all but one of the ars listings. XXXX deletes NONE of the listings. This is the second time they have done this, is n't it illegal to do this again after they failed to provide validation the first time? I have the receipts from the original letter to ARS that they received. I send copies to the credit reporting agencies of both the letter I sent to ARS, the tracking number and the actual USPS form showing it was received and it had been over 30 days since they received it.

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 11-02-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have been receiving numerous phone calls from Portfolio Recovery Associates for collection of a past XXXX XXXX credit card debt that was discharged in bankruptcy XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX Fifth Third Bank 's mobile application notified me of a {$420.00} transaction that was NOT made by me. I immediately called the bank as prompted. While waiting 2-5 minutes for a bank representative - another transaction of {$210.00} went through. I was told the bank shut down the card for FRAUD and the representative " XXXX '' assured me there are no OPEN cards on my checking account. Because there are NO OPEN CARDS on my checking account I am blocked from accessing/monitoring my account for further fraudulent activity. I have no access to my money for 5-7 Business days until another NEW card is issued. I can not see MY account online or on the mobile application because Fifth Third Bank does NOT allow access to a checking account without an ACTIVATED card. I was blocked from my money by Fifth Third XX/XX/XXXX for a previous fraud dispute where the bank had issued & allowed multiple cards to remain open without my informed consent & knowledge. The bank response was a ponzi scheme/shell game of " you used the cards we issued to you so you knew the cards were open. '' Even when provided with bank paperwork that stated the 'old card would be deactivated when the enclosed card was activated ' the bank cited numbers and transactions to cloud the real issue of bank deception in our business relationship. I believed in this bank 's integrity until XXXX XXXX. I had been happily a Fifth Third Account Holder since XXXX XXXX. On XXXX XXXX, XXXX I was issued the new chip card by the bank. This was to make my account 'more safe ' ... I make very few transactions. I changed every password. I changed every pin. I have NO FAITH in business dealings with Fifth Third from this day forward. Clearly my account is NOT SAFE and now I am BLOCKED from monitoring my money ... BLOCKED from keeping MY money safe that Fifth Third has NOT repaired whatever BREACH prompted them to issue the XX/XX/XXXX Chip card that I did NOT request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit card () with DISCOVER BANK (MN).
Issue: Billing disputes

Complaint: Discover is overstating my current balance by {$130.00} and they should give me a refund. Please contact me via email with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: American Express o ffered a rewards points for spending, and paying a {$500.00} annual fee. I have had the account for over 6 months, a member of theirs f or 12+ years. When I actually tried to use the points that I accrued, they said they needed to investigate and have held them for up to 10 we eks for some arbitrary investigation. I applied and paid {$500.00} on the promise that I would receive and be able to use my points from spending.

Company response to consumer: Closed with explanation