milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2015 about Mortgage (Other mortgage) with DISCOVER BANK (CO).
Issue: Application, originator, mortgage broker

Complaint: I applied to refinance my home with Discover Home Loans on or about XXXX XXXX, 2015. Over the space of approximately one week I submitted electronically all requested documents to Discover as part of this application process. On XXXX XXXX I was notified that the loan was " conditionally approved ''. Upon returning from vacation on XXXX XXXX, 2015, I submitted additional requested documentation. On XXXX XXXX, I was notified that they were 'working on a couple more things '' before final loan approval. On XXXX XXXX, I received another email with the same remark. On XXXX XXXX, I requested and update on the status. On XXXX XXXX I was notified that I needed to submit a new disclosure document. I noticed that this document resulted in a significant increase in my closing costs and contacted via email Discover loans regarding this matter on XXXX XXXX. At this point I lost total confidence in Discover Loans and requested a refund on my home appraisal. Discover Loans has not complied with my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XXXX, I found seven accounts reporting inaccurate information on my credit report. On XXXX XXXX, I wrote and mailed a letter to XXXX, XXXX and Trans Union ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (I do not know) with Automated Collection Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a collection account on my credit report that I have continuously disputed because it is completely inaccurate. I do not owe the amount reported, and the collection agencies can not provide any evidence to prove and/or verify the account. The account keeps being transferred from one agency to another, with no accountability, while severely damaging my credit ( and my ability to refinance my home ) and creating a financial hardship by reducing my income. 

In the last year, this account has changed from XXXX to XXXX to Automated Collections to the current holder, XXXX. I have sent letters by certified mail asking all of these agencies to verify this debt, and they have not. Automated Collection/XXXX is not only reporting this inaccurate account on all three of my credit reports, but they are also intercepting any federal payment to me. They have reduced my XXXX income and they also withheld my federal tax refund. As of Tuesday, XXXX XXXX, 2016, a staff member from Automated Collection, XXXX, stated that they have my case in dispute and they will respond in writing in a few weeks. This is unbelievable and completely unacceptable! I still have n't received a response to date. I retired from my job for health reasons and this is creating a serious financial hardship. This is not my account! 

Following my series of disputes to the credit bureaus, I finally received a letter from XXXX XXXX last XXXX stating that they could not verify the account ( please see attached ), and would return the account back to the original creditor and delete it from my credit files. To date, it is still on my report, which is the account transferred to and now reported by XXXX. The credit bureaus keep sending me responses that this account has been verified, although neither XXXX XXXX nor XXXX ( or any of the other collection agencies ) can verify it, and despite my sending them a copy of the attached letter confirming this fact. 

During the first week of XXXX, I contacted both Automated Collection Inc. and XXXX again, and received the usual runaround. On the morning of XXXX XXXX, XXXX, an XXXX staff member, informed me that XXXX sent an email on my behalf to Automated Collection Services on XXXX XXXX, 2016, asking them to release the intercepted Federal payments, including our income tax refund, and said they are waiting for a response from Automated Collection Services. I never receive any responses or updates, while my credit continues to suffer and my income continues to be unjustly taken from me! I urgently request your help and assistance, as I have written several letters and made several calls, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX NA XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX/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/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/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 COLLECTIONS XXXX XXXX {$7700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$530.00}

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 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am XXXX years old. I have for the last month been called from Conn 's Stores about my account at least XXXX times per day. They called a number that belongs to my daughter who is XXXX. She was called by Conn 's last Friday while at the hospital XXXX at least 5 times. I am being called from XXXX different numbers possibly XXXX. I have had this account for years. I have never been harassed like this before. I take this debt seriously and will continue to pay monthly. Since I ca n't drive I have to rely on others to take me to pay on this account. Their main concern seems to be that I paid late this month. I also have XXXX. I do not want this company to call me again. I will continue to pay until I have paid all of it. This is harassment with the number of calls received on a daily basis. Please make them stop. I have a good credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On or about XX/XX/XXXX Equifax updated my credit report via a dispute file by me to show XXXX ( XXXX ) tax liens were paid and released from the IRS. Both liens were originally filed XX/XX/XXXX and XX/XX/XXXX respectively. I then filed another dispute with them to remove both, as the rules states " Paid tax liens XXXX remain for up to XXXX years from the filing date and 10 years if not paid. '' Both liens have met this criteria as it 's now past 7 years since filed paid/released. Equifax removed XXXX of the liens ( filed XX/XX/XXXX ) and insist on leaving the other ( originally filed XX/XX/XXXX ) on my profile. I was recently told by Equifax via phone, that it will remain for an additional 7 years from the release date of XX/XX/XXXX. Both were released at the same time. I had the very same item deleted by XXXX without any problems. I was told and confirmed by XXXX that the item met the criteria to be deleted. However, Equifax insists that the 7 year clock to removed does not start from the original filed date of the tax liens but when released. This claim is not consistent with my experience with XXXX. It is very unfair that the same account would be victim to another 7 years of negative reporting. Please see the attached Equifax credit report documents and the confirmation from XXXX in support of the same account. I am requesting the remaining tax lien deleted from my profile as reported by Equifax in keeping with the rules as outlined by the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am attaching a letter from XXXX XXXX XXXX ( XXXX ). The same information was sent to Transunion, XXXX and XXXX in XX/XX/XXXX and XX/XX/XXXX by XXXX advising each to delete an open record they were reporting against me for XXXX. I also wrote each bureau in XXXX XXXX XXXX, XX/XX/XXXX and again on XX/XX/XXXX requesting that they follow through with XXXX 's request and delete the record. None either replied or deleted the record. This libel is affecting my credit score and contributed to a higher rate of interest on a loan I recently received. I am applying for another loan so this record is affecting it too. It is my opinion that the credit bureau 's are scams set up to discredit select classes of individuals. Further, these bureaus assert that it can take months to correct their records. This is unjustified, and I do not have months to finalize my current loan application. In this age of technology all such delay is utter nonsense and unacceptable especially given that loan considerations are impacted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Solomon and Solomon, P.C. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I demand to see verifiable proof an original consumer contract with my signature on it .I have sent 4 letters ask them to remove this unverified account. I never lived at that address or had services there. I disputes the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: My wife and I have had a joint checking account/savings account at TD bank in XXXX, NY. The checking account is called " relationship checking ''. It was opened on or about XXXX/XXXX/XXXX. 

I looked up their different checking account plans and saw for the first time that they are not supposed to charge a monthly maintenance fee to process my accounts since I keep substantial sums between my checking and savings account held by them. 

I noticed that I have been improperly charged $ XXXX/mth for almost 4 years. On XXXX/XXXX/XXXX, I met with assistant store manager, XXXX XXXX, who acknowledged the bank 's error and told me she would look into it. They only credited me {$100.00} instead of the almost {$1200.00} that they had improperly charged as maintenance fees. On XXXX/XXXX/XXXX, I met with Asst Vice President, XXXX XXXX, who said the bank would make no further credits to my account. He said that I should have seen the charge on my statements. I told him the bank was illegally profiting from its own mistake. 

First, I was never told that my " relationship checking '' account was " maintenance fee '' free. If I had been aware of this, I certainly would have disputed it years ago. Second, they opened the account and their computer program never should have entered a monthly fee in the first place. Therefore, an employee of the bank must have altered the program or my specific account to do so. 

Not only have I been defrauded by TD bank, but I am sure that I am not the only depositor who is or has been paying " maintenance fees '' unnecessarily since they do not advise their customers of any improper charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2017 about Credit card () with PNC Bank N.A. (KY).
Issue: Advertising and marketing

Complaint: I received promotional materials advertising a credit card claiming 0 % introductory APR for purchases and 0 % introductory APR for balance transfers. In a separate table below, it indicated Transaction Fees for the Balance Transfer at either {$5.00} or 3 %, whichever is greater. The way the information is organized intentionally misleads consumers to believe that there will be no fee associated with the balance transfer.

Company response to consumer: Closed
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MT).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Hello, I am writing for your assistance in resolving an issue with American Express. I own two Delta-branded products from American Express ; the Delta Gold and Delta Platinum cards. Year-to-date, I have charged {$31000.00} on the Gold Card, and {$28000.00} on the Platinum card. My issue is having American Express credit mileage to my Delta Skymiles account. 

From XX/XX/XXXX to XX/XX/XXXX, I spent over {$25000.00} on my Gold Card. This resulted in Delta waiving the MQD ( medallion qualifying dollar ) requirement toward my elite status with Delta. In XX/XX/XXXX, I applied for and was approved for the Platinum Card. 

As part of a promotion, I received XXXX bonus miles and XXXX MQMs ( medallion qualifying miles ) when I spent more than {$4000.00} on the card in the first four months. I reached this threshold in XX/XX/XXXX, and the bonus miles and MQMs were credited to my Skymiles account. 

According the cardholder agreement, I am supposed to receive an additional XXXX bonus miles and XXXX MQMs when I spend at least {$25000.00} on the Platinum card during the calendar year. I have reached the spending threshold but have not received the bonus miles or MQMs. ( To clarify, I have spent at least {$25000.00} on each of the cards this year, for a total of {$59000.00}. ) I confirmed with American Express the end of XX/XX/XXXX that I am eligible for the additional bonus miles and MQMs based on my Platinum card spending, but they have failed to credit my Skymiles account. Multiple calls to American Express and Delta have been unsuccessful in resolving the issue. 

Customer service reps seem confused by the fact I have already received XXXX MQMs this year ( in XX/XX/XXXX ), but that was a result of a separate promotion based on card spending in the first four months. I am absolutely eligible for the XXXX  MQM bonus as a result of spending {$25000.00} during the calendar year. The language in the cardholders agreement is clear and unambiguous. I am frustrated by American Express failing to honor the terms and conditions of the cardholders agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (Gift card) with UBS BANK USA (CA).
Issue: Unexpected or other fees

Complaint: I was given a gift card ( probably around XX/XX/XXXX ) for {$20.00}. I looked at it and it says ( on the front of the card ) " VALID THRU XX/XX/XXXX ''. So, I thought this is great, I can use this for an emergency ; and put it in my wallet. 

The other day I came across the card, in my wallet, and decided to verify just how much was on the card. When I put the card number in I found that it had XXXX balance. So I went on line and discovered they had taken {$2.00} out per month for the last 10 months. 

Then, I discovered, on the back of the card, ( in very small letters ) that {$2.00} would be deducted ( as an inactivity fee ) per month after 12 months of inactivity except where prohibited by law. 

I called to complain and was told that they would put in an application to have that reversed. I was told that it would take 24 to 48 hours. After 48 hours I called back and found that the balance was still XXXX. I was asked if I wanted to file a complaint, which I said I would. I was told that someone would call me ( a supervisor ). Again, nothing. 

I believe that I am not an isolated case of this type of consumer theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit card () with U.S. BANCORP (TX).
Issue: Billing disputes

Complaint: I have XXXX XXXX coverage on my credit card account ending in XXXX. I tried to process a claim on XXXX. I was told by XXXX XXXX that my coverage was cancelled on XXXX. I received no notice of this. I was topld by XXXX XXXX to contact the card issuer, which I did. The card issuer told they had no information about this and to call XXXX XXXX. I call XXXX XXXX back and they tell me they have no information about this and to call the card issuer. Which i did again. The card issuer told me again that they have no information about this and to call XXXX XXXX. I call XXXX back again today, and they tell me the have no information about 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 09/30/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Credit card protection / Debt protection

Complaint: CHASE did not handle fraud charges on my card properly. It took multiple calls and I was transferred to as many as XXXX people per call. They kept sending past-due statements even though I closed out the account. Now they have reported to the credit reporting agenices that I have been behind two weeks on payments - the fraud charges of just around {$30.00}. My credit has been harmed by CHASE reporting that I have been late on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This complaint is a follow up to complaint XXXX filed XX/XX/2017.
I disagree with the findings of verification stated by the CRAs and the complaint previously brought against the companies has not been satisfied with proof these accounts were validated now removed from my account. Accounts unvalidated were removed from my report by Transunion and I have enclosed the findings of the dispute with this complaint. 

On X/XX/2017 I requested the CRA to furnish : 1. Agreement with the creditor that authorized the CA to collect on the alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested the CRA to provide me with a validation of the debt as listed on the attached correspondence. Please note, this was not a refusal to pay, rather a statement that the CA or creditors claim was disputed and validation was demanded. ( 15 USC 1692g Sec. 809 ( b ) ). The CA or the creditor met my request for information and at this time are knowingly reporting information that is inaccurate. By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my 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 01-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was told by XXXX Bank XXXX XXXX XXXX Account XXXX that they will remove entire trade line, Back In XXXX it has been completely removed and now in XXXX it has been reposted. I included a copy of my report showing complete removal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: Again, American Express ( Amex ) failed to follow their term in their letter dated XXXX/XXXX/2015 ( copy sent earlier ). All their past responses to this complaint are irresponsible. Therefore, I will continue to file this complaint until Amex becomes responsible and transfers the XXXX earned rewards points to my open Amex account. 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # *************** ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions. If then they are not in compliance with Federal banking laws.

Company response to consumer: Closed with explanation