milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: XXXX sent me two promotional offers for the XXXX XXXX XXXX XXXX cards that I have that were recently forced to convert from XXXX XXXX cards. The offers state that I would earn a {$50.00} statement credit for each after spending {$500.00}. However, XXXX did not send me the XXXX cards when they said they would, and therefore I requested they send me the cards and that somehow changed my account number and they are now saying that the promotion will no longer apply.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is reporting on Equifax a last reported date of XX/X/2015 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with SHEA MORTGAGE INC. (VA).
Issue: Settlement process and costs

Complaint: We sold our home and because of the new regulations we had to rent numerous storage units and find temporary housing rather than being able to do simultaneous closings as we have done for the past 40+ years! We have incurred XXXX dollars in incremental, unnecessary costs as a result of the new regulations that also require the mortgage companies document that the monies from the sale have POSTED, not be pending before they will send the new home purchase docs to underwriting. Add to this the additional days to review documents that take literally minutes to review and if an error is found the timer starts all over again! Today is XXXX XXXX and we are in day 12 of our limbo situation with no line of sight into a closing date. There was additional delays on the sale of our home as a result of the same regulations which added to our storage costs. Who is regulating these regulations and calculating the incremental XXXX dollars it is costing consumers to store their property and find alternative living arrangements? THIS IS NOT THE FAULT OF THE MORTGAGE COMPANY NOR THE TITLE COMPANIES, THIS IS A REGULATORY ISSUE! Also note, the address I am REQUIRED to provide in this complaint is my INTENDED address as I have no REAL mailing address as a result of these regulations! I am effectively HOMELESS!

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Hi, good afternoon I am reporting an interest increase without notice and interest change too high, you will see when I send you the copies of the statement

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 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Northwest Collectors Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I submitted a dispute with Northwest Collectors on XX/XX/XXXX for reporting a account that was incomplete or inaccurate information reporting on my credit report. The furnisher of the information which is XXXX XXXX XXXX provided me a statement stating that they do not have documentation upon which my first date of delinquency occurred on the account they reported as a paid collection. I DID provide this legal document as proof to Northwest Debt Collectors that the information is inaccurate or incomplete and that it needs to be removed from the credit reporting agencies to followthe FCRA Regulation 611 5 ( a ) ( I ) which states, " after any investigation under paragraph ( 1 ) of any  information is found top be complete or inaccurate or CAN NOT BE VERIFIED, the collection agency and or credit agency will delete it from a consumers credit report promptly. 
The collection agency ( Northwest Collectors violated my right under the FCRA Section 611 ( 4 )  which states, " with respect to the disputed information in the file of a consumer, the agency shall review and consider all relevant information submitted by the consumer in the period described inparagraph 1 A. Instead of taking into account the information that I received directly from the furnisher which states theinformation can not be verified, Northwest Collectors made up and furnished there unverifiable date  of delinquency from the account of XXXX XXXX XXXX office. This violated many consumer rights under the FCRA. It is not the job of a collection agency to make up or use there own information to report to a credit reporting agency, but it is there DUTY to report information directly from the furnisher. The information from the furnisher ( XXXX XXXX XXXX ) States the information can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This item was disputed previously. 

Transunion manually updated this Tradeline. 

However - it is an orphaned record from XXXX that has n't been updated since they converted to XXXX. 

This account : 1. Was opened XX/XX/2014 2. Is missing its ALL Balance History for the duration of the time the account had been open 3. Is missing ALL Payment Data for the duration of the time the account had been open 4. Is incomplete and inaccurate

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax had negligent security features and leaked my personal financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX yes they.s 6 or 7 times in the morning in afternoon may be 12 times " portfolio recovery associates " llc

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit card () with JPMORGAN CHASE & CO. (KY).
Issue: Credit determination

Complaint: I have along history of credit excellence with an excellent credit score and no missed payments over 34 years. 
I applied for a Chase XXXX card in XXXX, a Chase XXXX Business Card in XXXX and an XXXX Rewards card in XXXX. All XXXX applications were rejected. When I called to inquire about the rejections, Chase stated that the rejection was based on having more than XXXX cards opened over a 24 month period. I pulled my credit report that showed I had XXXX cards open over two years. If I would have known this information, I would not have applied for the credit cards. In fact, all XXXX cards had offers on the for bonuses if you spend a certain amount within a stated time period. Of course, my credit score decreased because Chase pulled my credit report three times. 
Because the XXXX rule was never stated or some kind of warning as the possibility of rejection with more than XXXX cards open over two years, I believe Chase has harmed my credit score my requesting the " hard pulls '' on my credit report. If I would have know beforehand that rejections are common for XXXX cards or over, I would have not applied. The consumer is being harmed by Chase because of their unstated rules. I would like Chase to remove the XXXX hard pulls from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. 

Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. 

I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.

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 03-12-2016 about Debt collection (Medical) with AmeriCollect (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. There are XXXX accounts beginning with the number XXXX which are reporting. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on XXXX occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I disputed Santander Consumer USA over a year ago. The account was then removed from my credit file. However, it was reinserted with notifying me via mail! In accordance with the compliance of the FCRA, I am requesting their compliance with any and all of the provisions. FCRA 611 ( 15 U.S.C 1681i ). I did not receive no notification and demand they remove this account from any reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: I 'm in the process of trying to cancel American Express Credit Card for my mother. She has never requested this credit card and is unable to cancel herself as she is elderly, suffers from XXXX, and does not speak XXXX. I believe she 's been paying for some time now, because she did not know how to cancel it. 
When I called American Express, they said she needed to be with me or have a power of attorney. My mother lives in XXXX, and I am in XXXX. We will have to go through great lengths to cancel a credit card she never asked for. I would like American Express to not only cancel this card, but stop preying on the most vulnerable for financial gain. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: CHASE MTG, XXXX, XXXX Its been a total or more than 6 months for this situation with Chase mortgage. Ive asked for Chase mortgage to show me steps that were taken for the verification process between creditor and credit bureau. I am requesting CHASE MTG, XXXX & XXXX credit reporting agencies to show me proof of verification that is supposed to be in your files. By law FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it but you guys are reporting and doing things backwards, there for you are breaking the law. Anything that isnt done appropriately can land you guys in hot water and in trouble with a lawsuit. This is my final attempt to resolve this account and I am requesting it to be removed permanently from my credit file. I have recorded all attempts to contact you through certified mail, FTC, BBB. I am in the process of filing a law suit. Why isnt this account removed from my credit file, the letter clearly says that there is no account under my name

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I currently have a credit card with XXXX XXXX XXXXt which uses XXXX XXXX as their debt collection. My minimum payment is {$40.00} and they call the very next day after the payment was missed 10 to 15 time a day. On XXXX XXXX, 2017 they called me 12 times starting at XXXX XXXX. I 'm making my payment today, and I understand I 'm the one that was late paying it, but I 'm feeling harassed by the phone calls every hour all day. In the past 6 days they have called me 46 times to collect the minimum payment. I do n't even want a phone anymore. I have addressed this issue with them over the phone before about the excessive phone calls, and they stopped. I just feel this is inappropriate to call someone that many times in 1 day. It gives me XXXX when I see my phone light up, I ca n't even have my phone on ring anymore. I have my complete call history from XX/XX/XXXX and since the due date they have called me well over 70 times.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted Experian in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Experian again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Experian that there were none showing. 

I opened the disputes. I want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home! 

Close All Open Disputes and remove all Dispute Remarks from all accounts in my credit file and send me an updated credit report showing such changes were made.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: EQUIFAX SECURITY BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: When I was in medical school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX, '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and AES (  American education servicers ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, AES, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in 2008 ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a physician, and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked AES to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am self employed ). Which I consider to be a treat made simply because I asked questions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: tO START, this XXXX account was in my ex husbands name and SSN. I never gave my SSN or owed this debt. 

I have been contacted and Harassed by this company and every collection agency they sent this off to for years now. 

In XX/XX/XXXX I was contacted by XXXX, was offered a settlement and I Paid it in Full on XX/XX/XXXX. Since then I was Harrassed by XXXX who I also reported on this site, Case number: XXXX. XXXX  "ENHANCRCVRCO" and XXXX where both Falsely reporting at the same time. Now XXXX is not showing on my credit any longer but XXXX "ENHANCRCVRCO" still is. This account has been Paid once, I have the release of liability, and i refuse to pay it a XXXX time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with Acquired Assets, Ltd. (AE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Good afternoon, upon pulling my credit I notice an account on my credit that I had not seen before and so I contacted the consumer finance and tried to dispute the information listed but was told that this was a legal debt. I then contacted the collection agency and asked what was the debt in regards to? As it turns out the debt was in regards to an insurance claim that was with a rental car that should have been paid by my insurance company. Apparently their was some miscommunications with my car insurance company  XXXX  and the bill was not paid when it should of been paid. I was able to reopen the claim with my car insurance company who then paid the bill on  XXXX   XXXX    XXXX  . I spoke to a  XXXX   XXXX   XXXX  with   XXXX   XXXX   XXXX   who told me that he was only removing the debt from my report because he was doing me a favor, I told him no this debt should of never been on my credit as I never received any notification and that it should of been paid by the insurance company prior to the current date that it was paid.  XXXX   XXXX  then told me that he will jo longer be removing the debt and that he did not have to do anything and proceeded to hang up the phone as I was speaking. I then called back and no one answers the phone, I placed a second call using my  XXXX  number and followed the prompt using the key pad in order to get to the receptionist so I can ask to speak to a  manager or  someone in charge. The person whom answered the phone stated that she was the owener but would n't give me her name after asking her to provide it many times ( recorded ) I proceeded to inform her that she is being recorded and that I will be filing a complaint to the CFPB and she informed me that if I wanted her help that I need to be quiet and that I just do n't know how to shut up. She refused to give me her name and told me that I can look it up. She also stated that when I file my complaint that I will still have to call her back after so I can go ahead and file the complaint. I informed her again that she was being recorded and that I am at work in the   XXXX   with withnesses around me and that I was not being disresptful and that as a debt collector she is suppose to provided her name but she continued to refuse and proceeded to hang up her phone on me. Also I would like to add that  XXXX   XXXX  stated that he does n't have to do anything and that all he has to do is write that the account was satisfied. The account was more than satisfied it was paid in full by the insurance company as soon as they realized that the bill was not paid. I find that this is a very disgusting way to treat a person who did everything necessary to ensure that the right thing was done. If I did n't care about this I would of just left it and not try my hardest to get the matter resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation