milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing

Complaint: I visited the American Express Website ( www.card.americanexpress.com ) on XX/XX/2016 and did a pre-qualification to determine the best card for my balance transfer needs. My results indicated XXXX cards, The Blue Cash Everyday, The Premier Rewards Gold Card and the Every Day Card. The website indicated 0 % APR for 12 months and a {$100.00} reward after spending {$1000.00} within the first 3 months for the Blue Cash Everyday Card. Based on this information, I did a Balance Transfer from my XXXX Card which at the time had an APR of 12.99 % to my new Amex Blue Cash Everyday Card. First Statement dated XX/XX/2016 I was charged interest, I called customer service on XX/XX/2016 to put in an investigation. The first representative that I spoke to indicated that it might have been a system glitch. The second representative I spoke to a week later indicated I needed to enter a promotion code during the application process and as a result of me not entering a promotion code I would have to reapply using a promotion code for the same card. I replied that there was no mention of a promotion code at the time of my application and also proceeded with a 'mock application ' using my mobile phone during the call, got all the way to end of the application without submitting and again, explained that there was no mention or request for a promotion code for the advertised promotional Introductory offer. I called several times requesting updates. On XX/XX/XXXX during one of my followup calls, I was told by the representative that " offers are advertised but not every one qualifies, it depends on ones credit report ''. At which point I responded that my credit report satisfied the lending requirements hence the approval of the credit card. The representative went on further to say " yes, you were approved to have the card but not the introductory offer after review of your credit report ''. After almost two months, a dozen phone calls and conversations with numerous representatives within the Customer Service Department, on XX/XX/2016 I was informed that the investigation has been closed and the introductory offer was not applied to my application because after review of my credit report, I do not qualify for the introductory offer for which I applied. I was however approved at an APR of almost 24 %. This was not indicated in the Disclosures/Credit Card Agreements on the website, which I took the time to read prior to submitting the application. This is clearly a violation of Regulation B, Equal Credit Opportunity Act and I truly believe that I have been a victim of discrimination with regards to the evaluation of my credit application. The advertising and marketing information listed on the website was unfair, misleading and extremely deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian is refusing to even investigate or to remove old dated information off my credit report. I have XXXX accounts which should have already been removed from my credit report. XXXX XXXX XXXX date of first delinquency was XXXX 2010. And XXXX XXXX XXXX date of First delequency was XXXX 2010. Both these accounts should have aged off my 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 10-05-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have requested a validation of debt from XXXX XXXX with no response. I also requested a Affidavit of Fraud from this collection company with no response. This company as placed a Restraint on my account so I ca n't access to my money since XXXX 2015. I recently received a notice stating that they have removed all the money in my account. I never provided to this company my account information I do n't know how they get my information. I truly believe that this is illegal and unconstitutional. Please help me to get this issue resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I literally have Credit inquires and have no idea where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I made a previous complaint # XXXX which was answered by Freedom Mortgage in an email stating they made an error I asked for a new escrow disclosure statement and a call from Freedom Mortgage so I could see the numbers and what the payments would be. I received a letter from them on XXXX XXXX, 2016 and at this time XXXX XXXX, 2016, have received nothing. My first complaint was never answered and the whole case is still ongoing. Also all I get is the repeated harassment, many letters from Freedom Mortgage to refinance.

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 01-03-2018 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX was deleted from my XXXX credit file. The collection account ncb management is the collection company who now owns the collection account for XXXX. If the original account was not valid neither is the collections account. Trying to collect on a non valid account violates my rights as a consumer. Please stop all attempts to collect on a non valid debt. This not only includes phone calls, letters, and emails, but also must be removed from all three credit files, XXXX, XXXX, and XXXX. This non valid debit has caused me to not be considered for jobs, I would like all three credit companies to please send update credit histories to every company that has requested my credit file for consideration of hire in the last 2 years, once these faulty items have been removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft and I did not authorize anyone to steal my identity and pretend to be me. I need to dispute these inaccurate items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This complaint concerns both harassment and misrepresentation. The Midland Credit Management collection agency has called me repeatedly about a debt that is not mine, although they did not identify themselves as a debt agency. Each time they called, they said that they wanted to speak with the person who the debt belongs to about a 'private business matter. ' The individual in question is an independent contractor, so it is possible that a XXXX party would try to reach her about a legitimate business matter. 

However, after the first time they said that, I suspected that it was not, in fact, a business matter. It sounded too scripted. Further, I realized that they had not identified themselves. At that point I suspected that they might be a collections agency. To better understand why I was receiving these calls, I asked the person who had called if they represented a collections agency. Not only did they not identify themselves, but they also lied to me about this and stated that they were not. I refused to give them any information and researched the number they called me on online, which is when my suspicions were confirmed. If I had engaged with them in a conversation believing that they have a business relationship with the debtor, they could have extracted far more information than they are legally allowed to collect. When I called them back and asked to speak to a supervisor, they initially refused to let me. I told them it was a private matter, but still they would n't, so finally I resorted to saying, at this point rather emotionally, that I had concerns about the professionalism of an employee. They then transferred me, but all I got was a voicemail box.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (PA).
Issue: Managing the loan or lease

Complaint: Dear Investigating officerFollowing up on my phone conversation with your agent, I am filling a complaint against Wells Fargo in regards to my car loan. The statement I receive from them does not include how my payment is being applied between the principal and the interest, and any fees if applicable. I have reached out to them to request a more detailed statement, and was advised that they can not send any different statement that the one I currently receive with the limited information. I believe that such operations are not only unethical but break the law, more precisely, the Act of 2009, signed into law by President XXXX Obama - Public Law XXXX -- the Accountability Responsibility and Disclosure Act of 2009. 
Thank you and kind regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: See prior CFPB Complaint Case number : XXXX Wells Fargo failed to process multiple requests for an extension to close a short sale until 9 days before the closing date. Wells Fargo has indicated that the extension request was denied but has not provided a detailed explanation. This buyer has been waiting for over 2 years for this short sale to be approved. It has been mishandled by Wells Fargo and delayed for no justifiable reason. I have attached the emails showing that the extension request was not processed until XXXX despite the requests sent throughout XXXX. Wells Fargo is denying they received the requests, but I have attached the emails showing I had requested the extension in XXXX. Now, we have to start over with the short sale because of their failure to request an extension from the investor in a timely manner.

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 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NE).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I signed up for a southwest rapid rewards credit card through Chase. They were running a promotional offer, an offer they are still promoting today, of which if you spend {$1000.00} within the first three months of opening your account, they will add 40K bonus points to your card. After opening my card, I spent the next few months spending the required amount. On their site it states that it may take up to 8 weeks for the points to be added to your card. After the eight weeks had passed, I still had n't received my bonus points. I reached out to them to ask why my points had n't been added to my account. As it turns out, to get the bonus points, I had to spend {$2000.00} within the first three months to receive 50K bonus points. This was not the offer I was believed to have signed up for. They clearly are running a bait and switch promotional offer to get customers to sign up. Customers believe they only need to spend {$1000.00} to get the points, when in reality they need to spend {$2000.00}. It is false advertising and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received an email from Equifax about by credit information having been stolen from their companies records/databases. I visited their website to place a temporary freeze on my information that is maintained by their companies and once entering my information as they requested I received a 500 error ( process not available ). So, I also can not freeze my information with them today. XXXX/XXXX/XXXX. I also visited their website and they asked me to wait until XXXX/XXXX/XXXX to utilize their monitoring alert program. I do n't know if I would like them to monitor something they should have been protecting to begin with. 

It seems that Equifax is trying to get me to buy more protection from them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a victim of fraud. I have attached my FTC fraud alert. I have also had accounts re-added to credit report after being deleted. I have XXXX XXXX accounts deleted that were re-added, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

I have attached proof these accounts were deleted. 

Item # 1 : I dispute XXXX - XXXX, this account IS MORE THAN 10 YEARS OLD. Please delete. When was this account added to my report? I have attached payoff letter also from 2007. 

Item # 2 : XXXX - XXXX ...., account not mines, please delete. Was removed from credit report once. 

Item # 3 : XXXX XXXX XXXX XXXX XXXX ...., fraudulent account, please delete. 

Item # 4 : XXXX XXXX - XXXX ...., fraudulent account, please delete. 

Item # 5 : XXXX - XXXX ...., this account is duplicated, both should have been deleted. 

Item # 6 : XXXX XXXX - XXXX ...., account on my credit report twice. This account is aid in full not charge off. Proof is enclosed. 

Item # 7 : XXXX XXXX - XXXX ...., fraudulent account, please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I was looking to purchase a new vehicle ( XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX and I decided to finance the vehicle. It was n't even 24 hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I decided to return the vehicle the very next day because of this Issue And as of today XX/XX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX applied for me. XXXX XXXX and Ally Financial which are both Hard inquiries on my Credit Report. I did n't have the vehicle for more then 24 hours and It 's still on my credit report today XX/XX/XXXX. I hope this issue gets fixed. 


If you have any questions please do not hestiate to call me ( 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 09/15/2017 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: My issue does not have to do with an auto loan, but I did n't seemy issue as a choice. It has to do with a faulty car part. Not sure if you all deal with cases like mine, but I do n't know where else to turn for help. 

Wed XX/XX/XXXX I brought my car to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, because my XXXX XXXX XXXX which I bought in XX/XX/XXXX, was having difficulties starting. My XXXX XXXX XXXX has 58k miles on it currently. 

It turns out my starter is going out and they told me it would cost about {$700.00} to fix it. I was very upset, of course, because there is no way my starter should be giving me problems at this point with 58k miles on the car. 

On the same day, Wed, XX/XX/XXXX, XXXX XXXX 's, manager, XXXX XXXX, contacts American Honda and because this is a " known '' issue -- - I 'm informed American Honda offered to split the repair cost with me 60 % Honda and 40 % me. When I ask if I can speak to the contact person or decision maker at American Honda, XXXX XXXX tells me he " ... is prohibited from giving me American Honda 's  number. '' XXXX XXXX advised me to find the number myself in my owner 's manual. Needless to say that should have been an indication as to Honda 's helpfulness in this matter. 

When I called American Honda on Monday, XX/XX/XXXX, I protested the 60 % 40 % split, because I do not believe I should be on the hook for a part that is " known '' to be faulty. I was told by an American Honda representative or " case manager '' XXXX to take it or leave it. That my car was out of warranty and that this was a limited time 30 day courtesy offer extended to me, because I was a " loyal '' customer and the issue with the starter is a " known '' issue. When I asked for an email so I could correspond with American Honda in writing, I was told by XXXX that they would only speak to me on the phone. Even if I wrote a letter, my " case manager '' would only call me back and never return my letter in writing. 

I looked into this starter problem and apparently the starter is going out on a lot of XXXX XXXX  and XXXX XXXX, XXXX, XXXX models. There is also a class action law suit  forming on the east coast, law firm is XXXX XXXX XXXX XXXX. 

My question is do I have any other recourse? Can the CFPB put any pressure on American Honda to correct their problem and not hold consumers accountable for their faulty part? American Honda are denying culpability and hiding behind the fact that the vehicles are out of warranty as their excuse for not covering the entire cost of the repair. Is that legal? 

My case reference number with American Honda is # XXXX. American Honda 's phone number is XXXX ext. XXXX. Address : XXXX XXXX XXXX, XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My husband and I sent our final payment in to Best Buy via phone on XX/XX/2017. This was after we made contact with a Customer Care Rep at a Best Buy store to inquire about the balance. We also called Best Buy Customer Service to inquire about the payoff amount. Both times, we asked if there would be a late fee and we were informed both times that there would n't be one. We were also informed via the phone that if there was one, that it would be refunded and that we would n't have to worry about it. 

My husband began getting daily calls about a month later, but did n't know why. When he asked me about the account, I confirmed with him that it had been paid off and that those calls were most likely sales calls from telemarketers. Again, being reassured by both Customer Service/Care Agents, there was n't any reason for us to be concerned about additional charges. 

Today, we both called again, only to find out that not one late charge was filed, but two additional late charges were filed, one for XX/XX/XXXX and one for XX/XX/XXXX. I was flabbergasted! We had a XXXX   balance and now three additional late charges have been filed. We asked if those late charges could be waived to reflect a XXXX balance since we have not made any additional purchases. Additionally, had the Representative told me that there would be a fee, I would have included it in my final payment. That would not have been an issue whatsoever. We were told that the " best '' they could do was waive the last fee. This did not satisfy me because of what we were assured AND the balance was paid off. 

We are requesting that all three late charges be waived. The Customer Service Manager waived the most recent fee, which left a balance of {$55.00}. So, specifically, we are requesting that the remaining {$55.00} be waived to reflect a XXXX/paid in full balance on our account. 

I am concerned that consumers who have touch points with any party associated the Best Buy brand or corporation may get conflicting information. Although we were offered apologies on behalf of the previous Customer Care Representatives, we were still only offered a waiver of the most recent late fee.

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 09-11-2016 about Debt collection (Credit card) with LTD Financial Services, LP (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Submitting this complaint on behalf of my father who is presently residing in a XXXX home..I 've sent a cease and desist later to LTD financial services pertaining to a debt my father owes ... I 've also explained to them that my father in no way shape or form can pay any debt do to his present condition and to please quit sending collections letter pertaining to this ... today ... XXXX/XXXX/2016 ... received another letter claiming to collect on this debt.. he is on a XXXX home due to suffering a XXXX several months ago and has no funds except receiving ssi ...

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: 1. On XX/XX/XXXX Submitted Payment of XXXX which did not go through on My Debit Card Checking Account 2. On XX/XX/XXXX Sent XXXX XXXX XXXX which Was rejected by the company as told by on XXXX XXXX. They stated " Capital One Rejected the Payment '' 3. When calling on XX/XX/XXXX Capital One " The Representative was very rude '' she asked me how i was and i responded how are you, and she stated " Groovy '' in a condescending tone, after trying to give her the money control number to explain that i had sent XXXX for a payment, she stated the Account had been Closed. due to non-payment. 

I explained to her i had been trying to pay since XX/XX/XXXX She showed no empathy, could not get me to speak to a supervisor, and started laughing in the background. ( Very Unprofessional ). 

I finally got a refund for my XXXX In XX/XX/XXXX. 

The credit card company still sends correspondence encouraging me to pay, while rejecting my payments via XXXX XXXX and my checking Account.

Company response to consumer: Closed with explanation