milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received an offer from XXXX that if I opened a gold credit card with them and I spent XXXX XXXX during the first 3 months of account opening, they would give me XXXX in points. I spent the {$2000.00} on the first week of opening the credit card and already paid it off. 
I do understand that points are available once your first statement is generated since thats how all my other credit cards work. 
I opened this credit card approximately on XXXX XXXX and my statement closed on XXXX XXXX so I called and spoke to a representative to ask when I was going to have my points available, and she said I should see them available on the XXXX. Well, today I looked and I never got my points. I called again and now they said that my points were going to be available by XXXX XXXX, I spoke to a supervisor named XXXX and I told her that on the advertisement XXXX sent me to open the credit card they never point out that it would take that long to receive the points it just says after spending XXXX in purchases She said she was going ro file a complaint but there eas nothing she could do ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received a call from a telemarketer from XXXX XXXX by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with experian and probably the other Two bureaus. Can XXXX XXXX telemarketers just lie to us with immunity and without recourse?

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 05/26/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This dispute that I continuosly have with Equifax is their blatant refusal to remove items from my credit report that does n't belong to me and that I have sent in FTC Affidavits, Police Reports and other supporting documentation. They refuse to block the information based on identity theft and the fair credit reporting act that supports me. They continously dispute as an everyday dispute. Stating the same resolution as the information has been verified as to belong to you. Based on me reading the 605 b Identity theft rule credit reporting agencies have 4 business days to block said information. I want these items removed and blocked. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All of these accounts were opened without my authorization and the should be removed. Also, I am also asking Equifax to remove these XXXX addresses that continues to pop up on my report that I have never lived. XXXX XXXX XXXX, XXXX, XXXX XXXX Reported : XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Reported : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: pull up XXXX or XXXX on my online statement, its gone ( ironically ). THis is NOT the first time they did it, they have allowed XXXX XXXX to take money from me XXXX three times and said well if you authorized it once who is to say you didnt allow them to take it again ( which I didnt, I cancelled the account ) and they also did this with an depposit back in 2014, we made a deposit back in 2014 and the amount total we put down for the deposit they said was wrong, we kept doing the math and it was correct but they kept saying no your XXXX dollars over, well 2 years later, they send us a letter saying 'we made a mistake in a deposit you made in 2014, the original deposit amount was correct so we are sending you a check for the amount that was taken out ) now the account would NOT have been closed but THEY closed it after I kept calling about the charges to XXXX XXXX and I would NOT stop trying to get the money back they allowed a company to take without permission so they closed the account said thats done ...

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 11-10-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello! 
My name is XXXX XXXX. I am currently a XXXX. I had originally loan Wells Fargo student loan about {$16000.00} XX/XX/2010 for XXXX University. As of this year, I noticed that my interest rate as increased to about {$5000.00}, which all together is {$21000.00} I own from them now. However, since I was very interested as to why they are already charging me interest while I am XXXX, I personally went to a Wells Fargo local bank to speak with a banker. As I was there, they called the call center for student loan and I spoke to couple of people, but I still felt like I was n't really given an answer as to why they are charging me already, if I am still going to school. Please, if I could get some answer and some solutions to my claim, will truly be great. It is very XXXX, first as a single mother, who is looking for a place to rent, but is n't able to find a reasonable one because of how the student loan have decrease my credit score. I will truly appreciate the assist. 

Thank you 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 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely 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 non-monetary relief
Consumer complaint received 03-02-2018 about Debt collection (Medical debt) with AVANTE (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I checked my credit report and I see Avante XXXX reporting a collection without validation. I sent out a debt validation letter and still have not received any form of validation. If Avante XXXX can not validate this collection within 30 days, Avante must remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Loan was transferred, Seterus Inc. would not honor the terms, denied being the servicer, found it after 8 months, costing me greatly in legal fees, then told me I had to pay over {$14000.00} in a lump sum. Somehow {$70000.00} has been added to my mortgage, going up from, {$120000.00} to {$190000.00} ... ..last statement was handwritten. I feel that My civil rights have been violated, a direct violation of the 8th amendment. I believe that punitive damages are in order

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a written dispute into experian to have XXXX medical collections investigated and to get them to get the company to send proper proof that these debts are mine and not a computer automated response. I received a letter from the refusing to reinvestigate these XXXX accounts. I originally disputed them online and like I said earlier, they did a computer automated dispute to the company and didnt fully investigate the accounts. I want them to fully verify these accounts are not mine. That is why I sent the written dispute in to stay out of the computer system generic dispute. They do not have the right to refuse to investigate innacurate info and are required to check the validity of a collection account. I want these XXXX medical collections disputed like I originally requested in my written dispute or removed completely from my report. They are XXXX XXXX XXXX XXXX for {$760.00}, XXXX XXXX XXXX XXXX for {$310.00}, and XXXX XXXX XXXX XXXX for {$130.00}. 
Please either investigate thoroughly like I requested in my written dispute and send me the results in the mail or delete these XXXX collections from my report Attached is the letter they sent me refusing to investigate the accounts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Debt collection (Medical) with United Consumers Inc (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just check my credit report and found the surprise that have XXXX accounts in collection and none of them belongs to myself! ; XXXX of them it comes from the same collector : UNITED CONSUMERS and the other XXXX is from XXXX .. base on what I read on my XXXX report ( # XXXX ) they have received accounts under the name XXXX XXXX and my name is XXXX XXXX XXXX XXXX I really appreciate any help that you guys can provided me due its unbelievable that my credit is so low and damaged due a huge mistake from the creditors. Thanks in advance!

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 07/19/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My correct address is XXXX. XXXX XXXX, XXXX, WI XXXX. Please eliminate the incorrect address of XXXX. XXXX XXXX, XXXX, WI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with Amsher Collection Services, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving calls and voice messages on my XXXX cell phone, once per week for the last 7 weeks from XXXX debt collection agency. I have recorded the dates of the calls and saved several of the voice messages. I do not owe any debt. I have sent a text message instructing the company to stop. I have registered my cell phone number with the do-not-call registry to no avail. I have not called XXXX because I do not want to be subjected to a scam to collect personal information or money from me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Consumer Loan (Vehicle loan) with Carolina Finance, LLC (VA).
Issue: Managing the loan or lease

Complaint: I paid off my loan, per my contract and I 'm being told I still have a balance of {$2800.00}. No 'knowledgeable ' explanation has been given and the company has not provided a statement to indicate what these additional charges are for. I 'm unable to obtain the title to the vehicle since they 're stating the balance is not paid in full. 
The loan was satisfied in XXXX 2016. Since then, the company has decided to give me a new account number with this new balance, which they are unjustifiably claiming. For starters, the APR this company has charged is ludicrous. However I did agree to those terms on the contract. These additional fee 's they 're claiming, I DID NOT agree too. If this company is claiming I did agree, I need documentation to support that claim and validate these additional fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: To Whom It May Concern, I am consistently getting charge a paper statement fee on my business checking account. I worked with TD Bank customer service department to assist in removing these paper statement fees, whereby I keep on experiencing " website '' issues via TD Bank online. Every time I login, I received a message stating that website is under going maintenance issues. It is impossible to sign up for online statements. 

I believe that TD Bank purposely preventing its consumer from signing up for this option. Many of its customers will NOT stay on the phone for a representative ( 30 minutes or longer ). 

Consumer Financial Protection Bureau needs to investigate TD Bank whereby I strongly believe it violates federal consumer laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2015 about Mortgage (Other mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My mother became very ill and got behind on mortgage payments. Up until that time she was never late. My mother has since passed away. The deed is in my name, and the mortgage in the Estate of my mother. I was paying mortgage payments after my mother passed away to XXXX XXXX XXXX. I was in the middle of an assumption and a modification, With XXXX XXXX, when they sold the loan to Rushmore Loan Management, who said that they do not do modifications or assumptions. Rushmore stopped taking my payments, and now the property is in foreclosure with a sale date of XXXX XXXX, 2016. I can not lose this property as it is a family home. They are unwilling to work with me. I make the money to make payments. I just need them to be willing to work with me and finish what XXXX XXXX started.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It is time for my daily complaint Equifax , we should really try to get to know each other, whom ever reads my complaints. Let me know in your reply, we might be friends once Equifax stops breaking the law and fixes my credit report. Anyway, as usual, XXXX XXXX XXXX has said they have reported nothing to Equifax and I even sent you proof that in XXXX, my wife had a XXXX XXXX XXXX account changed to her married name so how can she close XXXX in XXXX in her maiden name? XXXX XXXX XXXX debt is not mine but either way, the debt was discharged in a settlement that I have sent Equifax , and lastly I have never had a XXXX account and they have also said that they have reported nothing to Equifax. These conversations happened on XXXX XXXX, why does n't the CFPB not ask for the recordings so they can catch Equifax lying?

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am having a problem with Synchrony Bank. I saw that they are reporting an account with JCPenny on my credit reports. I have written to them multiple times asking them for evidence bearing my signature that shows I have or ever had a contractual obligation to Synchrony Bank or JCPenny. I have not received anything that I requested and it is still being listed on my credit report from all XXXX of the Credit Reporting Agencies.

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 01-11-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been receiving calls from Ocwen Loan Servicing since XX/XX/XXXX. Every time I pick of the phone and answer. The call is disconnected. On XX/XX/XXXX I received a call from Ocwen Loan Servicing Agent Id # XXXX who advised me before listening or answering my questions stated, " That this is an attempt to collect, any information obtain would be used for that purpose. '' I immediately advised the agent that Ocwen had called me no less than 5 times in the past 10 days and that was harassment. The Agent respond and stated, " According to state law we can call and collect like this according to state law, and that it was also in my contract that was signed with Ocwen. '' I immediately requested a copy of the contract with my signature that allows them to do this and I also requested them to verbally provide me the state law that allows them to do this. The agent immediately placed me on hold for about 5 minutes and came back and stated that they were mistaken according to the FDCPA they were allowed to call like this. I immediately pressed the representative once again and asked what state law or statute allowed for him to contact me and harass me they way that I was being harassed? The representative was not able to give me a definitive answer. I advised the representative that I would be filing a complaint and that I would like a copy of the contract with my signature that states that they can contact me the way that had been contact me. At that point I terminated the call. I pay Ocwen every month and my mortgage is always paid by the last day of the month. I pay the late fee without complaining. There is no reason for this organization that already charges me {$15.00} in late fees and {$12.00} to pay to call me every other day harassing me about a bill that initially when the calls started I was n't even 2 days late. As a consumer this is unfair that I have to deal with these individuals who can barely speak English and then why I push them to provide me information they are unsuccessful. This is not fair nor right and something needs to be done. This organization is using words such as State Law to attempt to threaten consumers, because I am an individual who will challenge anyone whom I think is lying or is speaking in half truths. If average individual who may not like confrontation this organization could potentially being doing some shady things.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a payoff quote for my mortgage. I received the quote via email. I then paid the entire sum. A few days later I received via email another " payoff '' quote stating that I owed {$250.00}. When I contacted the company they did n't really explain what the additional amount was for. To clarify whether or not I had paid the correct I returned to the original email containing the " first '' payoff quote. It had been changed to {$250.00}, and not the original sum. This is fraud. A company should n't be able to change an original document in an attempt to mislead people into making " extra '' arbitrary payments. The company is Nationstar Mortgage. In addition, during the time I had the loan I paid the payments online the first of the month when they were due. However, despite making timely payments I would receive a monthly statement saying that I paid the mortgage late, and that I owed an additional {$40.00} late fee. I believe this is also FRAUD. It certainly is dishonest. It is possible that other people made unnecessary payments after receiving these statements.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX, I opened at auto loan with Regional Acceptance through XXXX XXXX XXXX in XXXX XXXX, Maryland. I received at loan in the amount of {$25000.00} with an interest rate of 29.9 % ( payments of XXXX monthly for 66 months ). After making on-time payments for over a year. I lost my XXXX position in which I notified Regional Acceptance and asked for a loan modification ( due to my current income and past on-time payment history ). At that time I was told that they do not do refinancing. In turn, I attempted to refinance the loan with my credit union and was told that the vehicle has too much negative equity and that they would n't help me. I also attempted to trade the car in at several dealership and was told the say thing. Over the years, after making payments to the loan, I asked Regional Acceptance to allocate the payments in a manner that would result in a credit towards the principal balance versus just the principal. After making payments for over 3 years, the account balance never dropped past {$20000.00}. In XXXX XXXX, the vehicle was stolen from my residence. It was later found was deemed totaled by XXXX. The value of the car at the time was {$13000.00} which was almost {$8000.00} less than was owned to Regional Acceptance. Regional Acceptance is still reporting late payments on my credit after the car was totaled in XXXX XXXX. The car was sent to their Insurance lot and they are still attempting to collect this debt.

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