milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Promotional term was to receive XXXX delta airline miles if I accepted the American Express C.C. and spent at least {$1000.00} in the first 30 days. I met the terms and spent the required amount and much more. My account is in good standing and no late payments or other failings have occurred. My card was opened XXXX XXXX, XXXX. I spent the first {$1000.00} + within 72 hours. 

I began asking about my XXXX airline miles in XXXX, XXXX and every few weeks thereafter. Initially, I was told it was a four to six weeks wait. In early XXXX, the issue has now been referred to as a computer glitch and would be corrected in about two weeks. Every two weeks it is another two weeks.
I have been assured, repeatedly, that I have met all the terms to receive my miles and that I am not alone. I have been told during the last six weeks that it was a problem that effected thousands of people and it takes time to fix. 

I was lead to believe by a supervisor that it was n't actually a computer glitch but in fact a different sort of problem.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Resident Collection has posted a collection on my credit report in the amount of {$5000.00}. from XXXX. This dispute went before a judge in XXXX and was given a hearing date in mid XXXX. Resident Collection posted this debt in XXXX, prior to the hearing. At the hearing, the judge said I did NOT OWE for back rent. I have tried to contact these people but they keep putting me on hold, then disconnect me.

Company response to consumer: Closed
Consumer complaint received 04-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This is my third attempt of trying to get my inquiries removed from my credit report. I have previously submitted a request through XXXX, and Transunion acknowledged that I was affected by the system glitch. I requested that all inquires be removed. When I called in after about 30 days, because the inquiries were not removed, the representative told me she could see where the inquires needed to be deleted, but asked me to call back and tell her which ones. I am requesting that my report be updated with the inquires removed. I currently have a fraud alert placed on all XXXX credit bureaus. I have also made several attempts to have my name updated on my credit files, but have not been successful. Please see my license an SS card in the attached documents. I would like my name to be updated to 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 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Our credit cards Chase Marriott and XXXX have been compromised our identity has been stolen we had a fire and a flood and victims of rand some ware - I reported the fraud and the company issued temporary credits and now says they are re instating all the fraudulent charges - while the merchants and vendors may have valid purchases - we did not authorize and our cards we thought were destroyed in fire and flood and then our computers were rand some ware and our e mail and phones hacked we have taken extraordinary steps to protect our selves we have been customers of chase for over two decades and we expected to be serviced and treated with respect and dignity we were n't we did not know what to do and we did n't realize all of this was going on because we were trying to rebuild from a flood and fire and then all the electronic fraud please help us resolve problem we were n't made aware from Chase that we needed to provided proof of anything then they call to say they are reinstating the enormous amount of charge which are fraud back to our credit card accounts - i do n't ' know what to do i cant ' pay back what was n't ours in the the amount of XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I receive calls constantly from this company with a recorded message claiming that complaints against me have been filed in their office. This is evidently an attempt to collect on a zombie debt because all of my current credit is up to date. 

Miller Stark Klein & Associates XXXX XXXX NC 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 02/28/2018 about Payday loan, title loan, or personal loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Struggling to pay your loan

Complaint: I have talked with XXXX at tower loan multiple times in XXXX XXXX to explain to her that do to the loss of my sons income and my fiance having to pay 40 percent of his medical expenses and me having to support myself and my XXXX family and we had to move to a more expensive place because our landlord wouldn't fix anything. I asked the guy on the phone and he advised me to pay on the 2 secured loans and let the unsecured go since we are judgement proof. XXXX called me a liar and said he didn't say that. XXXX told us file bankruptcy. We asked her to lower the monthly payment so that our family could afford food and medication. She refused. She also refused to take full payment on 2 accounts saying if we defaulted on 1 she'd sue us for all three keep in mind we are judgement proof and both XXXX  or XXXX XXXX. This has caused me to attempt XXXX and have XXXX. She also threatened us with jail

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am writing concerning my Navient student loan which has since been transferred to a new loan servicer. On several occasions I attempted to work wit h Na  vient in an attempt to process a forbearance. In each instance the process was delayed. In the end the forbearance was granted but each time my credit was adversely affected. I am writing in hopes that you can assist in having the negative reporting removed. I have attempted this in the past directly with Navient, b ut with no positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Credit card debt) with DISCOVER BANK (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had two Discover credit cards XXXX and XXXX, which I stop using due to them NOT following Federal court orders. I would authorize {$100.00} payment from my bank to them It turn into {$1000.00} to {$10000.00}. My bank will not transfer any amount over {$100.00} due to Discover trying to take more money they authorized. Discover also transferred money from my other charged cards with out my Authorize! The problem is that they been charging my cards the amount that they try to steal. From before 2012 to the president Discover has been ordered by the Federal court to stop this. They set up fake account and transfers money into it from most of the time seniors cardholders. Sorry for all the complaints I am a XXXX XXXX era Veteran being treated for among others problems XXXX XXXX by the XXXX hospital. I have forget a lot of the illegal actives that Discover has done to me these past 7 to 8 years!

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (I do not know) with Penn Credit Corporation (LA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Penn Credit Phishing f or physical address & s.s.n.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Was yelled at on XXXX XXXX by customer service, called a liar, and they told me my account had been delinquent 120 days over 100 times which is a complete LIE. I had XX/XX/XXXX payments that had cleared my bank and still not posted in their accounting system and they were telling me I was giving them inaccurate payment info and that I had not paid on my account when the payments cleared ... I even sent a letter where the payments cleared my bank. They call MULTIPLE times during work hours to a cell phone at work after explicitly telling them not to call that number. They still call. My account has only been 30 days late on a 17 year old account and they treat me like I am a criminal. This company is so much worse then Greentree ever was. I hate these rude XXXX people. Worst company on the planet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MS).
Issue: Managing the loan or lease

Complaint: Timeline of Events Tuesday, XX/XX/2017 : My daughter wrecked her XXXX XXXX XXXX. 
Tuesday, XX/XX/2017 : XXXX XXXX declared the car as a total loss. 
Friday, XX/XX/2017 : The information needed to settle the claim was sent to XXXX. 
Tuesday, XX/XX/2017 : XXXX, the XXXX Insurance adjuster, contacted XXXX to request that he attempt to contact Ally Bank, due to the fact that Ally Bank had been negligent in their contact with XXXX, specifically as it concerned sending the letter of guarantee. XXXX made the call, spent a considerable amount of time on hold and being transferred, and was then cut-off. He called the main branch and was finally redirected to someone who took his complaint. That evening, at XXXX, the letter of guarantee ( attached ) was emailed to XXXX. 
Wednesday, XX/XX/2017 : XXXX XXXX contacted XXXX to alert him that the letter of guarantee was received the prior evening. The insurance adjuster, XXXX, forwarded the email to XXXX, and upon examination, XXXX observed that the net payoff that Ally stated should be remitted in order to secure the title, {$20000.00}, was much more than his records indicated. According to the document ( attached ) provided by Ally 's online account management system, the net payoff at that time was {$11000.00}. Due to the nature of both his and XXXX 's experiences with Ally, XXXX instructed XXXX not to release the funds, due to the fear instigated by the misrepresentative, possibly fraudulent, nature of this correspondence. Additionally, the issues that had been encountered in the prior weeks when trying to contact Ally Bank to secure necessary documents made XXXX wary that there would be significant delays in receiving the borrower 's proceeds. 
Thursday, XX/XX/2017 : XXXX and his wife, XXXX, who is the borrower, penned a letter ( attached ) to Ally Bank, describing their qualms with the bank 's actions. As to the present date, Ally Bank has not responded to our complaint. In the meantime, we have had to continue making payments ( attached ). Furthermore, with each day that passes, we are also incurring interest charges that we must pay. For a more detailed description of our complaints, please see the letter ( attached ) that we emailed to Ally Bank.

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 04-11-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 147 days and counting And still I can not prove I own the home I live in.

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 09-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: XX/XX/XXXX I had made a purchase for insurance to XXXX for insurance I found that XXXX was to expensive so I went with another insurance company, I only had insurance with XXXX for not even one day I ask for my money back I did not get it I was having a problem with XXXX I filed a claim with Wells Fargo to get my money back, this is where everything went bad I got a provisional credit Wells Fargo only credited my account one time but yet took out several times I called about this problem one of there reps in a department put the money on my account when I did n't even know she did this and messed my account up so I called they got a case manager to investigate it and three days later she called me at XXXX at night and gave me a resolution to get this done, now I 'm being charged it again and this is looking like fraud and I 'm giving Wells Fargo a chance I had to file a police report in the past on fraud and identity theft, they opened a checking and savings account in my name I did get to settle on the two accounts being opened but not them making an attempt to open accredit card back in XX/XX/XXXX I want this straightened out all of it, I 'm tired of calling I have been trying to resolve this for a week and I did send a mediation form to get the credit issue handled the first rep did not resolve that issue, this has made me very frustrated, if not straightened out I will seek counsel, I do not want to keep dealing with this I 'm now filing this complaint because I spent four hours on the phone with Wells Fargo it 's like do n't care, they still owe for trying to open a credit card in my name this has gone to far please resolve this

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 04/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. XXXX ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.

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 01/26/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Constantly calling all hours of the day and night

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Struggling to pay mortgage

Complaint: XXXX   XXXX   (   XXXX   XXXX     )  Executor of the Estate of  XXXX   XXXX   XXXX  has engaged  XXXX   XXXX  of   XXXX   XXXX   XXXX   XXXX  , as her official housing counselor to submit this complaint on her behalf.     XXXX   XXXX   refinance with  Chase Manhattan w ho secure an instrument on her property located at  XXXX   XXXX   XXXX   XXXX   XXXX  in the amount of {$60000.00} on  XXXX .  Chase Home Finance LLC ( CHASE )  allegedly became either server or trustee, unfortunate we can not identify which posi tion Chase had t itle because there were no filing or recorded assignment of mortgage on file. We declare that a foreclosure was file on  XX/XX/XXXX  b y Chase Manhattan.   During this time,   XXXX   XXXX   was actively making her mortgage payments while the foreclosure was proceeding. Her monthly payments starting from  XXXX  until  XXXX  which means that she was current. During the foreclosure,  Chase Manhatta n filed a fraudulent assignment of mortgage to the  XXXX   XXXX   XXXX   XXXX .  Chase Manhattan  merged with  JP Morgan Chase  after they were shut down in   XXXX   XXXX  . They intentionally proceed with this illegal foreclosure transaction under  Chase Manhattan.  A judicial deed was recorded  XX/XX/XXXX  address to  XXXX   XXXX   XXXX   XXXX  stating that  JP Morgan Chase  convey to    XXXX   XXXX  . Once again there are on recorded documents claiming any of the stated mortgagee name as owners of said property. After the closing of  Chase Manhattan  failure in  XXXX  there were never any Assignment of Mortgage recorded conveying the property.   XXXX   XXXX   has challenged the courts informing them that she was making her mortgage payments and could not understand why she was in foreclosure she had no idea where her payments where been applied. She has contact all the government agency to inform them of this intentionally fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax refuses to remove student loan accounts that have been discharged by the XXXX on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Equifax is reporting incorrect account numbers on the XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the XXXX, proving that these loans have been discharged and paid in full and at zero balance and should be removed immediately from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Other transaction issues

Complaint: I have XXXX accounts with Bank of America, XXXX is a business account the other is a checking account. I made a {$500.00} online transfer for XXXX XXXX, 2015 from the business account to the checking account. At the time I effected the transfer I was given a transaction number of # -- -- -- XXXX. This evening when I went to transact some additional business I noticed that my account was short by {$500.00}. It seems that there were XXXX ( XXXX ) transfers from the business account to the checking account with the following transaction numbers : -- -- -- XXXX and -- -- -- XXXX. As you will see, neither of these numbers is the same as the original transformation number that I was given. Rest assured, that all my previous transaction numbers that I was provided at the time of the transaction correspond with what later shows up in my online account. 
I immediately contacted B of A. After waiting on the phone for an hour, I was finally connected to someone by the name XXXX who could offer no explanation as to how or why this happened. She said she would transfer the {$500.00} back to my account but she could not do it for value on XXXX XXXX, which is when the erroneous dare I say fraudulent transfer was made by the bank. I asked to be transferred to the manager she said she had just spoken with and I was told there was no manager on duty that could help me which I suspect was a blatant lie.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2016 about Consumer Loan (Installment loan) with J J Marshall & Associates, Inc (TX).
Issue: Managing the loan or lease

Complaint: I have been trying to get validation of a debt that is being held by JJ Marshall & Associates.What they sent was a print screen and what is reporting on my credit report does not even match what they supplied. Also I asked for a break down of fees, payment history and copy of the signed legal agreement and again the only sent me a letter and print out screen.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Billing disputes

Complaint: I am disputing the regular purchases balance of {$550.00} and quick cash balance of {$68.00} AND my promotional balance@3.99 % because the interest increased when the balance decreased! ( {$13.00} on {$4100.00} and {$14.00} on {$4000.00} ). Here 's why. On XXXX/XXXX/XXXX two calls were made by my mother XXXX XXXX, to Synchrony bank. First to rify /again that all payments over the minimum payment could/would be applied to regular/cash purchases. The second call requested, and XXXX verbally confirmed, that everything paid ( {$410.00} ) over {$66.00} ( {$340.00} ) could and would be applied to regular and pay off the cash purchases balance. 
It was n't. During a 2 hour phone call to XXXX on XXXX/XXXX/XXXX, who claimed to be a supervisor but was n't, XXXX was told {$100.00} ( Misc Adjustment ) was a charge along with a cash advance PayPal purchase of {$150.00} which was not true. XXXX argued the charges were legitimate and the {$260.00} cash payment listed with them did not XXXX out the charges and prevent correct allocation. XXXX was put on hold numerous times while XXXX contacted superiors and the accounting department. Finally XXXX said the {$100.00} was the amount credited to the regular/cash balances and {$150.00} needed to be reallocated/credited. No one understood the charges XXXX out the {$260.00} payment -- OR that a portion of the {$150.00} INCREASED the cash advance balance which INCREASED interest charges and decreased my promotional 3.99 % balance. Eventually XXXX asked XXXX what the regular/cash balances should total and she gave an estimate. XXXX said the account would be corrected in 3 to 5 days. 
On XXXX/XXXX/XXXX XXXX called and XXXX said she was a supervisor with the authority to act. After ten minutes XXXX insisted on speaking to a real supervisor. After a long wait XXXX answered and said she was a manager. XXXX insisted on speaking to me ( XXXX XXXX ), at my request, because of an identity theft incident years ago. I 've made multiple calls since then, and been assured at the conclusion of each call, that XXXX XXXX would be listed on my account PERMENANTELY to speak on my behalf -- my mother can verify my identity. XXXX spoke to my mother about the account without insisting on further verification, and told my mother the account would be corrected by the accounting department but was n't. This phone call was approximately 45 minutes. I contacted XXXX by phone as she requested but she did n't return my call as promised. If XXXX/Synchrony Bank needs more verification to correct mistakes ( because a thief would spent countless hours arguing on my behalf ) you 'll have to reach me by e-mail as I told XXXX.

Company response to consumer: Closed with explanation