milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I sales person from American Express called me and offered me a card that provided 3 % cash back on one type of item, 2 % back on another type and 1 % back on all other items. 
They said I would not actually get cash but would get points that I could spend like cash on XXXX or for purchasing gift cards. 

I was lead to beleive that XXXX XXXX was worth XXXX XXXX. I could buy a {$29.00} item for {$2900.00} points. That is simply not the case. I switched my bills from a true 1 % reward card with XXXX to this phony reward card and now I have to switch everything back. 

In addition, American Express does not have a way for you to verify they are awarding the points accurately. I could n't do it from my online account and customer service could not show my how. You are just told your total with no way to verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted several disputes on to all XXXX reporting bureaus and only Equifax wo n't remove my ex-husband 's Chapter XXXX Bankruptcy and the accounts that were discharged with his bankruptcy from my report. I have sent Equifax documented proof at least XXXX times and they still claim this is accurate. I have also called them on the phone, and all they tell me is that they are a credit reporting agency, and they only report what is reported to them. They not been helpful over the phone. 
I started this process with them in XXXX of 2014 and I can not get them to resolve this issue, even though the other XXXX credit reporting bureaus have removed my ex-husband 's Chapter XXXX bankruptcy and associated accounts, from my report. 
This has caused me hardship when trying to get a new home loan. No one will finance me with the discharged Chapter XXXX bankruptcy on my credit report. I ca n't even use my VA loan. I have been told if the Chapter XXXX is off of my report, I would get an approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Unauthorized transactions/trans. issues

Complaint: ON XX/XX/XXXX16 I WAS ATTEMPTING TO MAKE A PHONE PAYMENT WITH MY PRE PAID CARD TO MY CELLULAR PHONE COMPANY BOOST. I WAS UTITLIZING THIS METHOD TO ESTABLISH A PAYMENT HISTORY VIA MY PRE PAID DEBIT CARD. AS I BEGAN TO FOLLOW THE PROMPTS FROM MY CARD HOLDER, I INADVERTENTANLY PUT IN THE WRONG ZIP CODE, AND I WAS DENIED ANY FURTHER ACCESS TO THE ACCOUNT DO TO THE FACT I HAD FAILED THAT PART OF VERIFICATION. AS I WAS INSTRUCTED TO START AGAIN, I GAVE ALL ACCURATE INFORMATION, AND MY PAYMENT WAS PROCESSED. IT WAS A SHORT TIME LATER THAT I SOON DISCOVERED THAT I HAD BEEN CHARGED TWICE FOR MY CELLULAR PHONE BILL. AS I CONTACTED BOTH PARTIES, MY CELLULAR PHONE COMPANY HAD ONLY RECIEVED XXXX PAYMENT, HOWEVER MY CARD HOLDER HAD INDEED PROCESSED THE FIRST PAYMENT, BUT PLACED A HOLD ON IT DUE TO VEIFICATION, AS WELL AS CHARGED A SECOND PAYMENT IN THE FULL AMOUNT, WHILE THE PAYMENT WAS APPROVED. AS I HAD MANY DISCUSSIONS WITH BOTH MY CARD HOLDER AND MY CELLULAR PHONE COMPANY, IT WAS QUITE EVIDENT THAT MY CARD HOLDER WRONGFULLY BILLED MY CARD AT THE ONSET OF MYINITIAL TRANSACTION WITH THE FULL KNOWLEDGE THAT I DID NOT PROVIDE ACCURATE VERIFICATION INFORMATION, AND FOLLOWED SUIT BY BILLING ME AGAIN WITH THE ACCURATE INFORMATION, HOWEVER MAKING NO ATTEMPT TO RECTIFY THIER PREVIOUS MISTAKE, AS WELL AS LAY BLAME ON MYSELF AND MY CELLULAR PHONE COMPANY BY STATING THAT THE FUNDS WOULD HAVE TO BE HELD FOR XXXX TO FOURTEEN DAYS TO ASSURE THAT THE CELLULAR PHONE COMPANY DOES NOT PROCESS THE TRANSACTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I discovered that XXXX  XXXX/XXXX XXXX XXXX of the amount of {$1000.00} has re-aged/ changed the original date of the debt. It was started in XX/XX/XXXX and now on all credit reports XX/XX/XXXXstart dates : TransUnion XX/XX/XXXX, update XX/XX/XXXX ; XXXX XXXX ; XXXX open : XX/XX/XXXX, update XXXX. This debt has exchanged into so many hands that I don't know who actual has it. I receive calls on my cell phone and no words are spoken just hangs up or if it goes to voice mail its a machine or they say my name then hangs up. I had calls on Sundays and after XXXX XXXX  CST. This is make my report look bad and who can trust if you pay one company and at the same time another collection company demanding money and states its my problem with them ... XXXX XXXX themselves are hard to get a straight answer or direction for the original bill which was really {$240.00} but they stated I broken contacted and charges for the broken contract. On XX/XX/XXXX we has a devastating tornado ripped through my area causing catastrophic damage, no power, nor water. I just moved in my house so I this caused a financial downfall trying to recoop, especially the lost of food and water resources.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I bought my first home in 2005 with no money down. At the time I was unfamiliar with the process, but the lenders explained that I would just carry two mortgages. One would be the primary mortgage for the purchase of the home and that would be a traditional 30 Year mortgage and the 2nd would be a 15 year mortgage for the down payment of the home. At the time I thought it was a really good deal. Both mortgages were with XXXX XXXX XXXX. Shortly after I closed the 2nd Mortgage was sold to HFBC who then became HFC Beneficial which is whothe 2nd mortgage is currently with. After I was notified of the sale of the 2nd mortgage I started going over the Amoritzation of the loan and realized that the 2nd loan is actually a Balloon payment. At the end of the 15 years my final payment is the same amount as the original Loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit Inquiries I didnt authorize

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 03/28/2017 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2015 Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.

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 reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Problem with fraud alerts or security freezes

Complaint: I have attempted to life the freeze on my credit file with Experian for 5 days ( XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and have been unsuccessful. 

I placed the freeze in XX/XX/XXXX and paid {$10.00} over the phone with my credit card, and was informed I would receive a PIN in the mail to manage the freeze. I never received the PIN. 

Between XX/XX/XXXX and XX/XX/XXXX I attempted to remove the credit freeze online and by phone using the automated system, but these Experian systems failed. 

On XX/XX/XXXX the financial consultant at XXXX XXXX attempted to remove the credit freeze, but received an online message from Experian that this was not possible. 

On XX/XX/XXXX I mailed overnight my request to remove the freeze along with identifying documents. This process takes 10-15 business days. 

On XX/XX/XXXX I called Experian customer service. There is no way to speak with a live person regarding credit freezes, so I called the membership service division. I waited on hold for approximately 45 minutes to speak with a representative who was kind enough to try to remove the freeze, but even he was unsuccessful. There is no other way to remove the freeze except to wait 10-15 business days for my mailed request to be processed or to try to call again tomorrow. 

Despite the car dealership doing their best to accommodate, they are unable to secure a loan for me at the 0.9 % interest rate special offer if the freeze is not lifted before XX/XX/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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : XXXX XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/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 03/23/2017 about Credit reporting () with AMERICAN EXPRESS COMPANY (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a lot of hard inquiries on my credit report not mine also slot if closed accounts paid in full please take all of these off

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Auto) with EXETER FINANCE CORP. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a car loan financed with Exeter bank. On XXXX XXXX 2015 the car was totaled. The insurance company and Gap paid the car off. Exeter bank has been reporting that my account is late from XXXX to XXXX. I have been trying to resolve this issue since XXXX. They are reporting the deficiency balance which they can not collect in the state of New York along with interest and XX/XX/XXXX payment which was due at the time the car was totaled however, the insurance check from XXXX paid for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: eqiufiax is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Approximately 6 years ago, I was going through a divorce after being a XXXX for 16 years. Having XXXX children in college and desperately needing money, I accepted a credit card from Wells Fargo. Sadly, I used to pay bills which led to me reaching my max amount very quickly. Everything was fine until I missed a payment and my minimum amount was increased to a point where I could n't afford to pay it anymore. I tried calling to make different payment arrangements and was told " use your tax refund to pay us ''. I have struggled so much financially and emotionally over the past several years and they only made everything worst. Now they sued me, put a lien on my house, and are garnishing my wages even when I do n't even make enough to pay my bills. I feel Wells Fargo targets people like me who are vulnerable and desperate. They knew I no income and still issued me a card knowing that owned a home. They took advantage of my situation based on the information they have about the equity in my house ( they are my mortgage company. I hold my self responsible, but I also want something to be done to prevent other people from going through suffering an experience like this. Wells Fargo should not issue credits cards to people who are not employed knowing that they can after their property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a home mortgage with XXXX ( a mortgage broker ) with the first payment due on XXXX. XXXX immediately transferred the mortgage to XXXX to whom I made payments from XXXX through XXXX. In XXXX XXXX transferred my mortage to XXXX XXXX to whom I made mortgage payments to from XXXX through XXXX. 
On XXXX my mortgage was sold to Select Portfolio Servicing Inc ( SPS ) From XXXX to present I have made the remaining mortgage payments .I have documented proof from my bank confirming that all payments have been made ( on time ) and yet ever since the loan transfer from XXXX XXXX XXXX XXXX I have received monthly notices that I am I am behind a payment. I have tried relentlessly to clear this issue up and even hired an attorney to intervene on my behalf but without success. 
The attorney was concerned that the legal cost of entering into a lawsuit may outweigh the benefit of resolving my issue. At this stage I am now being charged monthly late fees and am getting calls and letters from collection agencies even though I am current on my mortgage and have been on time and am current with all payments. I am desperately looking your assistance in helping to resolve this issue. 
Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with SOUTHERN MANAGEMENT CORP. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Informed them i 'm having trouble paying and to submit account into collections ... .. they call about 5x a day they even came to my home in person which is not ethical

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 05/17/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the XXXX Attorney General 's Office Monday morning. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Closing on a mortgage

Complaint: CASE # XXXX XX/XX/XXXX.CLAIM THEY ARE WORKING ON MODIFY. FALSE NEW CASE OCWEN IS USING FALSE NAME OF BANKS TO CLOSED ON HOMES, FOR PROFIT..MANY NAMES ONE IS XXXX XXXX XXXX .WHOM ONLY HOLD THE BOND & SECURITY OCWEN, PER OUR CONVERSATION OCWEN ALWAYS USE THERE NAMES. THIS IS WRONG, PERSON SAID HE HEAR IT ALL THE TIME. THIS BANK DO NOT CLOSED ON HOME..OCWEN DECIDE THIS HE. REQUESTED I CONTACT CONSUMER PROT.XX/XX/XXXX. FORWARD THIS INFO TO MY ATTORNEY ABOUT AUCTION OCWEN HAS DONE/ NO NOTICE JUST ONE LETTER..
THIS IS NEW CASE Ocwen loan, OCWEN TAKE TRIAL PAYMENTS AFTER YOU COMPLETE THE TRAIL NEW PAYMENT AT LOWER RATE SHOULD START.
I COMPLETED TRAIL PAYMENTS, MADE THE 1ST PAYMENT THE NEXT MONTH AFTER OCWEN INCREASE MY PAYMENTS BY XXXX TO XXXX.
ANOTHER LETTER, YOUR IN DEFAULT LOAN NOT MODIFY AFTER TRAIL PAYMENT OVER {$2000.00} S XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ON FIRST MONTH. BY ACH WIRE.
ON XX/XX/XXXX LETTER ARRIVE TO SAY HOME IS BEING AUCTION XX/XX/XXXX. ON XX/XX/XXXX I CALL OCWEN ASK WHAT IS THIS I WANT TO TALK TO MY RELATIONSHIP MGR. ( XXXX XXXX ) UNAVAIABLE I CAN HELLP RMA TOO.
I CAN SET UP APPOINTMENT XX/XX/XXXX XXXX, came home XXXX XXXX XXXX XXXX for Lunch for Hour early lunch stay to XXXX XXXX XXXX XXXX XXXX NO CALL, I CALL XXXX XXXX OCWEN ASK WHY NO ONE CALL. .CLAIM THEY CALL HOME I S, AID I BEEN HERE. NEXT NIGHT XXXX XXXX XXXX XXXX NO CALL, CALL AGAIN NOT MY RMA A. I ASK ABOUT MY APPOINTMENT, OCEN WE SORRY. WE RESETUP XX/XX/XXXX XXXX XXXX ANOTHER ( RM ) Relationship Mgr. GAVE HIS ID.I ASK WHERE IS XXXX XXXX MY RELATION MGR. IN my 3YEARS I HAVE NEVER TALK TO MY RELATIONSHIP. THIS is MADE UP NAME for reference. WHEN CALL OCWEN, NO.ANSWER TO MY RELATIONSHIP MGR. IT ALWAYS TRANFER TO A NEW RM OCWEN I CAN HELP. EMAILS FROM OCWEN AND LETTER TO FOLLOW AFTER THIS. START DOING THE RIGHT THING WITH PEOPLES BEEN NIGHMARE SINCE YOU TOOK OVER GMAC ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I checked my business banking account this morning XXXX/XXXX/17 and noticed it was assessed an overdraft fee of {$35.00}. I had {$5.00} in my account and it shows that a transaction for {$6.00} is pending. I called customer service to let them know I will put the money in the account to cover the {$6.00} transaction before it posts as cleared. I also asked them to waive the overdraft fee as a courtesy since the transaction has not yet posted. I spoke to two representatives today XXXX/XXXX/17, neither of which were able to assist me. I asked for a supervisor and was placed on hold by a representative. She came back and said she had a manager on the line, but, he refused to take my call, so she would try again and placed me back on hold. My being Shocked is an understatement. She has since left me on hold. I have been on hold for more than 25 mins as I type this complaint from my smart phone. 

The overdraft fee shows that is has posted and cleared yesterday XXXX/XXXX/17, but the actual transaction is still in the pending status. This means I was assesed a fee before the transaction cleared. I should still have time to put the {$1.00} into my account to cover the {$6.00} transaction without incurring a {$35.00} fee. Total call time is now 45 minutes, and I am still on hold as I type this complaint.

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 04/19/2017 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I got my property tax bill of {$2000.00} from town of  XXXX  and I paid {$2000.00} myself on  XXXX   XXXX  and posted on  XXXX   XXXX . Later I got a statement from my mortgogae lender  Santander B ank which stated they also paid the property tax on my behalf  XXXX   XXXX . I contacted the town of  XXXX  (  XXXX  ) and I was confirmed that there is no double payments and the only payment the town recieved was the  one p osted on  XXXX . I have contacted  Santander twice for the re imbursement, they insisted they paid o n    XXXX   XXXX  .I have provided them my payment record and asked the bank to show me their record, otherwise they need to reimburse me. They promise me to solve this problem by  XXXX   XXXX  and failed and continue to insist their payment on  XXXX   XXXX  while they cannny show me any proof. So far I have not got any reimbursement from the bank or any proof showing the bank did pay the property tax.

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 01/14/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hi Experian and CFPB On several Occasions asked for my phone number to be updated and any old numbers to be removed, I all most lost my XXXX phone because they could not go forward due to my phone number not being correct on my Credit fraud Alert. Please remove all old numbers and add My Current Number XXXX This is the number to be listed. Please again remove the Old one you have listed in the Alerts. 
Thank you.

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