milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Credit card () with CITIBANK, N.A. (AR).
Issue: Forbearance / Workout plans

Complaint: I purchased a stove, washer and dryer from Home Depot. I made the payments on time until I fell on hard times. They called me and set up a payment plan with me. I had been on this plan for over 2 years allowing them to draft my acct faithfully on the XXXX of each month. I called on XX/XX/XXXX to have the draft stopped for one month and agreed to pay XXXX payments XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I was told the payment plan would resume drafting again XX/XX/XXXX. When the payment did n't draft on the XXXX I called on XXXX and was told the plan had to get set back up I made a phone payment with XXXX and was told to hold for a certain department. I held, held and the call ended my lunch time was over. I then received a letter stating my payment plan was terminated. I called and spoke with XXXX who then transferred me to XXXX on XX/XX/XXXX he told me the plan was terminated for missing XXXX payments advised my payment were missed, he then went on the inform me there was nothing that could be done as far as putting me back on the plan and my payment was not {$100.00} and no longer {$90.00} and the ARP was back at 26.99.By being on the repayment program I put a big dent in the balance from over {$5000.00} to a little under {$3100.00}. My plan was terminated unfairly and I desire to be back on the plan to get this balance paid in full.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dept of ed. {$63000.00} Tax lien {$82000.00} First Merchant {$1800.00} Tax lien XXXX {$430.00} Tax lien {$13000.00} On several attempt I have contacted the bureau to investigate these account due to the being fraudulent account and or doesn't belong to me. I have asked that they investigate them and sen me supporting document and not just say that the account was verified as that is what happened. The felled to comply and send supporting document as I feel sas if the account may not have been investigated properly.

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 04/21/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Product Credit reporting Issue Credit reporting company 's investigation : No notice of investigation status/result Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
[ [ [ what does no notice of investagation mean you contacted them about XXXX i want fico score back to level it was ] ] ]???!!!! 
still waiting for experian to fix credit report and also put my fico score back over XXXX where it was before case # XXXX was started Consent to publish the description of what happened? Consent provided Product information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Global Trust Management LLC (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company by the name of Global Trust Management is using deceptive tactics to contact people. They are using false telephone numbers that say something different than who they are. For example, I received a phone call from what showed up on caller ID as XXXX XXXX ( XXXX ). When I answered, the representative said she was from Global Trust Managent and was attempting to collect a debt. I asked her why her company why they were using false numbers and she said she did not know what I was talking about, so I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Other financial service (Traveler’s/Cashier’s checks) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Lost or stolen check

Complaint: I placed a cashiers stop payment on a check from Bank of America the check was verified at the time as not being cashed yet, I was sent to a public notary with a stop payment Form. Bank of America Associate informed me that I would receive the funds in my account.And I never received anything Back.

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 10/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (PA).
Issue: Struggling to pay your loan

Complaint: I have made 3 payments of XXXX, the loan amount was XXXX. I received a bank fee of XXXX because it overdrew my account. The amount that i Will have paid back is over XXXX of I pay all of the payments. I am a single mother of XXXX kids with XXXX in college. I should have never taken out this loan.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, an unauthorized and/or fraudulent credit hard inquiry was listed by TransUnion as made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. On or about XX/XX/XXXX, I DID NOT apply for any type of credit with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. I never received any sort of communication from this creditor ( approval letter and/or denial letter ). This is an unauthorized and/or fraudulent inquiry and therefore this inquiry must be deleted immediately. Every attempt was made directly with this creditor to get this inquiry deleted from their system as well as from the credit bureau. Therefore, TransUnion must now process this complaint INTERNALLY and IMMEDIATELY and then DELETE this unauthorized and fraudulent inquiry 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 explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Charge off for  XXXX   XXXX  accounts are saying charged off in  XXXX   XXXX , that is not accurate, they were charged off in  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 non-monetary relief
Consumer complaint received 08/20/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Problems caused by my funds being low

Complaint: this is the second bbva compass bank has rearranged my ebit transactions to char me XXXX or XXXX overdraft charges, I have made several purchases during the week of XXXX/XXXX/16 thru XXXX/XXXX/16, I had an emergency with my car and swiped a purchase for a new tire. I accept during this transaction I did not have the funds but I was scahrged twice for this purchase. then I looked at my account and it said I have a positive balance of {$1.00} but how is that possible if I was charged XXXX nsf charges of {$38.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2017 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Balance transfer

Complaint: On XX/XX/2017 I received conformation of XXXX balance transfers totaling {$7900.00} including transfer fees ( with zero percent interest until XX/XX/2017 ) I made onto my Chase Ink Mastercard. I had never requested a balance transfer before so I had called and talked to a representive for Chase prior to making the transfer. I was told that any new purchases I made on my Chase Mastercard had to be paid off every month or the balance transfer amount would be subject to the current interest rate on my account. During the month of XX/XX/XXXX between XX/XX/XXXX to XX/XX/XXXX I made cash advances totalling {$2800.00} including transaction fees. On XX/XX/XXXX I made a payment of {$4000.00}, figuring that would cover any cash advances and purchases for the month of XX/XX/XXXX, also the minimum payment due plus some extra that could be applied to the balance transfer amount. When I received my statement the next month, no money was applied to the cash advances ( highest interest rate ) I had made, instead they had applied the {$4000.00} to the balance transfer amount ( zero interest rate ). I called on two occasions and both times I was told by the Chase representive that is the way it works, when clearly that is not what I was told prior to applying for the balance transfer. After all it would make no sense for me to pay down a zero % balance when I have a balance that carries a 25+ % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: XXXX XXXX says they issued a credit card in my name and it was used fraudulently per their statement. They closed the account because of this but did not investigate or correct any purchases done fraudulent. They are putting this on my credit report and refuse to correct the issue.

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 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: hi my name is XXXX XXXX XXXX ; my email is XXXXXXXXXXXX ; my phone is XXXX please credit me {$1000.00} in travel rewards or XXXX membership reward for the American express gold card ending XXXX with date XXXX ; 4 months ago American express send me a welcome credit card offer '' spend {$5000.00} in the first 3 month received XXXX membership reward and spend another {$5000.00} in the same period received another XXXX membership reward point with total of XXXX with AE gold ending XXXX ; I comply to rule and regulation on the welcome offer, however I did not received XXXX reward membership point AE promised because they check that I had it long time ago ; but I appeal to AE decision of denial beause if I had that offer and AE has a record of it why did they 1. send the welcome offer and approve my credit card application ; if the approve the credit application that mean the rule and regulation of the welcome offer is comply ; 2. in the welcome offer did not said that if I had the offer already it wont work ; 3. the should not approve the credit application and trick me to spend {$10000.00} worth of transaction in 3 months because they benefit 5 % of the {$10000.00} money ; 4. please fired the lady name XXXX because she harash and discriminated against me ; I talk to XXXX with id XXXX and her manager XXXX with id XXXX for my appeal and they told me to wait for 10 days but it is been 3 months and my reward account has not been credit XXXX point ; they lied, cheated and robbeby my traveling money ; I had no choice but to file a complaint against American express credit card ; please credit me {$1000.00} worth in airline reward or XXXX reward points immediately ; I had relative XXXX in XXXX and I need to book a ticket right now and do n't have time to wait any longer

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (I do not know) with Jonathan C. Frank & Associates, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I got a call that I was being served on a debt ( REFUSED TO TELL ME WHAT DEBT OR ANYTHING ABOUT IT ) or arrested if I refused to be served. I kept asking what they were calling about and all they would do is repeat the attorney 's name and that I did n't need to be so hostile. By hostile I mean asking what this was in regards to, asking why I have received no notifications of any debts owed via USPS, previous phone calls or why they are calling threatening legal action or jail for something that I have NO information on. I refused to verify my social security number because I have NO idea what this call was for or if even my debt. I requested all information in writing and was told I as too late since it 's already become a legal matter beyond their control!

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have historically paid my bill late, due to not having the money to pay by the XXXX of the month. However, I have always paid my bill, each month. On their website in the statement section, it lists " due now '' in bright green, also it lists late fees separate from the due now amount for some reason, which is very confusing. But regardless, I have always paid, both the due now and fees amount. I would have followed my statements, but stopped trusting that the information was accurate when I received a statement in XX/XX/XXXX indicating that my account was 540 days past due, then another in XX/XX/XXXX indicating my account was 1470 days past due, which is obviously impossible. However, in XX/XX/XXXX, I paid my bill on XX/XX/XXXX, which was indeed 30 days late. They reported me as being sent to collections on XX/XX/XXXX as being 55 days past due. I received notices that I was past due of course, I knew I was, but nothing saying that I was being sent to collections for being 26 days past due. When I spoke to them on the phone, they told me that if you do n't pay on the due date, additional interest accrues, however, this is not indicated online in anyway. If I knew this was the case, I would have paid the amount. Additionally, when exchanging email correspondence, with XXXX XXXX, I called the number included in her email. The number turned out to direct me towards a scam which was trying to extract credit card information from me. I have spoken to multiple people on the phone and via email and no one can seem to give me a clear answer about how or why I was sent to collections, considering I was paying my bill every month.

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. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My data was stolen from Equifax and can now be used to open accounts under my name. My credit is linked to and affects everything I do so this affects my livelihood. Obviously, Equifax should have had high security standards because they hold onto my sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Medical debt) with Richland Holdings, Inc. (NM).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A debt was submitted to collections based on an incorrect address. The correct address in question was for XXXX XXXX. This debt collector has the address in question as XXXX XXXX. I therefore received no communications regarding this debt from the debt collector or from the original service provider.

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 04-05-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Credit decision / Underwriting

Complaint: Freedom Mortgage Corp - They keep sending me mail and I have to opt out to quit receiving their mailings. I NEVER Opted in. When I called their telephone number to opt out, they made it difficult to opt out, kept saying they did n't understand my voice commands to opt out,. These people are predators and need to be prohibited from conducting business. 

XXXX 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 08/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I filed my first complaint on this company XXXX/XXXX/XXXX. My complaint number is XXXX for items that were purchased on XXXX in the amounts of {$280.00} & {$320.00}, They waive these items but did not reimburse me for the whole dollar amount. Which should have been {$600.00}. They only reimburse {$480.00} and then they applied an unauthorized charge of {$450.00} to my account. I 'm providing my XXXX statement as my proof.On my XXXX statement, an item that I purchased on XXXX for the amount of {$1100.00} had a current balance of {$960.00}. I noticed in XXXX that same item had gone from {$960.00} to {$1100.00}. This item was purchased on a promotion and should not have incurred interest or even went up in price that only thing I did was make a payment for {$32.00}. I have included a copy of my XXXX purchase invoice. I reached out to XXXX XXXX XXXX XXXX around XXXX and around XXXX she stopped returning my calls.My current balance on my statement says {$1600.00}. But, I noticed when I add all my items up it 's only {$1500.00} that is a difference of $ XXXX.Since XXXX I have been getting the run a round on non-promotional balances and so call interest incurring on them. My statement does n't show and I was told I do n't have any non-promotional balances. But when customer service ca n't explain the interest that 's on my account they try and say it 's a non-promotional balance but ca n't tell me what the item or balance is

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 01/16/2016 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: iam having a problem with equifax i have called them i have written them and they just dont care iam trying to dispute some things with them when i go to the dispute site it rejects me saying iam not entering right information they ask questions that have nothing to do with me so they must have the wrong information there reporting wrong information on me and i should have the right to dispute i use XXXX with equifax and XXXX i have no problems with XXXX some help would be nice thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: My credit account was covered by NFCU P3 payment protection plan. 

The claim they never received my initial request to activate the plan when I became temporarily XXXX. Calls to customer service did n't help. Have tried unsuccessfully to get them to admit that their process is flawed. 

All correspondence goes to the same address with no direct delivery to a particular dept. 

I was forced to watch my accounts go into collections then charge off with no way to escalate the matter. I could n't ' even get someone to call me back. 

At one point they claim I refused to mail in the plan forms. 

NFCU is so big they quite literally do not have to concern themselves with problems that arise. 

I actually begged them to sue me so I could get them in front of a judge so they can explain the P3 process but they seem to just want to squat on these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I named XXXX XXXX in a bankruptcy, the bankruptcy has been discharged yet the account is now showing up as " in collections '' on my Equifax credit report. Copy of Bk discharge attached

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Struggling to pay mortgage

Complaint: My mortgage company continues to increase the interest rate on my loan and I can not it afford as I am on a fixed income

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX, Experian and XXXX continues to report XXXX XXXX account # XXXX as derogatory. This account is part of a XXXX bankruptcy ( XXXX ). 

***Negative reporting on a XXXX debt is a violation of the permanent injunction of my bankruptcy discharge. XXXX XXXX, Experian and XXXX is violating the bankruptcy code. I am considering the possibility of re-opening my bankruptcy case for contempt action against Experian, XXXX and XXXX. 

I am requesting that XXXX, XXXX and Experian to CEASE and DESIST their negative reporting of XXXX XXXX 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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and XXXX fraudulently report XXXX, XXXX, TransUnion and NYS Attorney General. XXXX, XXXX and TransUnion continue the fraud. Please refer to attachment.

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 (General purpose card) with Empowerment Ventures, LLC (OH).
Issue: Fraud or scam

Complaint: I have not received money from Rushcard

Company response to consumer: Closed with monetary relief