milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CT).
Issue: Transaction issue

Complaint: On XXXX at approximately XXXX PM I received an email from American Express, asking me to confirm I changed my email address. After reading the email I immediately called American Express to explain I did not change my email address and that it appears to be suspicious activity. After having me on the phone for about XXXX minutes they reviewed the recent transactions with me. The only XXXX I disputed was the transaction in the amount of {$900.00}, which appeared to be either a e-check or wire transfer written to someone 's personal name. I 'm 100 % sure I did not authorize this transaction and do not even know who the individual is. 

As we were reviewing the account I noticed the information they had on file was not the information I entered when originally setting up my account. My email, pin, and even my security question was all changed. They then had me reset everything back. I asked if they should just send me a new card and or at least change my account number. They said that would not be necessary. 

They informed me that the dispute would take up to 10 business days. After terminating the call with them I then received a voicemail ( on XX/XX/XXXX at XXXX ) confirming the call and giving me my confirmation number which is XXXX and a number to call if needed which was XXXX. I still have the voicemail on my phone. 

Today on XX/XX/XXXX I received an email from American Express stating my dispute was declined and they have determined no error occurred. I will attached copies of the emails mentioned. 

I 'm not sure how they can come up with the conclusion that no error occurred, when I 'm clearly stating I did not make or authorize this transaction. If someone can change an email address then later change their pin, and personal security question, then be allowed to transfer money to someone, that is clearly a lapse of security on American Express. 

After receiving the email stating my dispute was declined I called XXXX, and spoke to XXXX at XXXX who then transferred me to Account Protection Services to someone named XXXX XXXX I went through explaining the whole process with XXXX only to be told she could not help because she did n't have the information they used to determine how their decision was made. She said I would have to write them to get more detail. 

This whole process is interfering with my ability to pay my mortgage and bills. It 's not fair for an institution as large as American Express to simply state an invalid charge was valid and tell the consumer, we ca n't help you. 

Any help you can provide to expedite this process would be greatly appreciated. I tried to be proactive in reaching out to American Express as soon as I received the email stating my email was changed. 

Again I did not change my information or make the charge of {$900.00} Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I faxed a Multiple Inquiry Removal Letter on XX/XX/2017 in order to dispute information in regards to XXXX hard inquiries dated between XX/XX/XXXX and XX/XX/XXXX, that was being reported on my credit report. I received confirmation that they received my letter via fax at XXXX. The request that I submitted included XXXX Hard Inquiries that were not factual and when I called to follow up, I was given the response, which was " inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I was told this over the phone, clearly tells me thatthere was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am having trouble with a check that Bank of America deposited from my checking account, though the check was never deposited or even signed. 

On XXXX XXXX, XXXX Bank of America issued a check for {$950.00} through automatic bill pay ( rent payment to my landlord ) I have paid rent through the automatic bill pay for over a year. On XXXX XXXX, XXXX the check was shown through my bank as delivered and cashed on that day. 

On XXXX XXXX, I was informed by the recipient that they had not received the check. On XXXX XXXX, I called the bank and started an investigation. On XXXX XXXX, the recipient found the missing check ( lost in their paperwork ) which was unsigned and they affirmed that they did not deposit it. On XXXX XXXX, the recipient returned the unsigned check to me and I called Bank of America to updated them on the situation. They said that they will need to investigate more. 

On XXXX XXXX, I called Bank of America for an update on the investigation. They told the have no new information and are just starting the investigation. They told me that it will take 60-90 business days ( until XXXX ) to clear the issue on their end. 

While I appreciate that they are careful with the investigation, I feel that clearly the bank made an error and should return the funds immediately. Especially considering that I am in possession of the unsigned check. The fact that it will take 3 months to resolve is unacceptable.

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 03-10-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AK).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Pioneer Collections company called numerous family members speaking to each of them. After contacting the first one, they did not have the right to turn around and contact a second one in the same hour.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Bank account or service (Savings account) with DISCOVER BANK (AZ).
Issue: Account opening, closing, or management

Complaint: I had opened a Discover Savings account using a promotion. I fulfilled all the terms and conditions mentioned in the promotion code including entering the promotion code also. Just to be on the safer side I got a cross confirmation from Discover that i will get the promotional bonus also-i had the email conversation via secure message center. Later when i am expecting that i will get the promotional bonus - i come to know that Discover is asking me whether i had entered promotional bonus or not? May be they are having second thoughts now. And most interesting - why they are deleting the messages like this? I can see that on the website they have mentioned that " all messages are going to be deleted after 30 days '' ... why??? In this age of Bigdata and analytics ( where storage is so cheap ) and moreover for legal reasons - financial institution should not do something like that - why DFS is not following it?

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Payday loan debt) with Alliant Capital Management LLC (OH).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: The person managing my account at Alliant Capital pressured me into an agreement that was not fair, timely nor consistent with other pay day lenders repayment plans. I agreed to the payment plan on XX/XX/XXXX due to the insane pressure, however, I decided to use my bonus to take out a loan from my 401K so I could pay all my debt and not file bankruptcy. I called Alliant Capital back on XX/XX/XXXX to  advise them I could not pay the {$900.00} on XX/XX/XXXX but I would have all the money by XX/XX/XXXX to pay the settlement. I also questioned why their settlement was so high asking for more interest and fees removed. I borrowed {$1200.00} and paid {$250.00}. They are asking for {$3500.00}. I kindly asked for a little more time and could even show proof I have requested money from my 401K. I reiterated that it was crucial to withdrawal this money so I could pay all my debts and not file bankruptcy. She was nasty, loud and did not care about anything I had to say. refused to cooperate, threatened me, and would not even consider asking for a little more time. Did not even offer a small payment for good faith this month and I could pay the rest in XX/XX/XXXX when I received my payout. She lectured me, pressured me, accused me. Every other lender I am working with has been more than willing to work with me and be kind. I ask that the company and she be reprimanded for their behavior, stop threatening tactics and be willing to work with the client. Obviously, we are in this situation because we are in a financial hardship. I would rather take a hit on my 401K versus filing bankruptcy. I ask that this company work with me to come to a fair settlement agreement. I'm sure I'm not the only customer who has been treated this way. She should have done everything in her power to work with me. Not lecture me, raise her voice, offer no solution, threaten to sue me, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Payday loan, title loan, or personal loan (Payday loan) with Rosebud Economic Development Corporation (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I was browsing the internet and came across a company ZocaLoans and was in a financial burden I took out a small loan for XXXX $ and the company mislead me the interest rates were very high which was not stated initially and the payments dates were twice a month cause me to be in more of a financial strain. Right now my balance is XXXX  which is outrageous can you please help me resolve this problem this loan was given to me 75 days ago

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 01/20/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I originally requested that my entire credit history be reported because certain items were removed that were causing my credit score to drop. Their response to my original complaint was totally noncommittal but when I received my credit report with score it showed that XXXX of the XXXX key factors that affected my credit score were that the age of accounts in my credit file were insufficient and that i had no account history of mortgages ( see attached ) However when I went to Equifax to make a dispute The first XXXX accounts that showed up were for a mortgage and a home equity line both of which were paid in full in 2008 and therefore do not meet the 10 year guideline that the other XXXX credit reporting agencies are hiding behind and in fact equifax states that the law requires them to remove derogatory credit but not beneficial credit after 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing statement

Complaint: I have an XXXX XXXX credit card which I make payments through Bank of America. On Bank of America 's website, they provide the options for customers to make their monthly payments via E-Bill. When setting up my E-Bill, I was presented with XXXX options : Pay the minimum balance, pay Amount Due, pay the Statement Balance, and Other. I selected pay Amount Due and after the XXXX payment was due, I checked my account only to be surprised that only the minimum balance was paid. When I called Bank of America, I was informed that the 'Pay the minimum balance ' and 'pay Amount Due ' are the same thing ( even though the website provides different descriptions for the two options. Bank of America would earn interest on any individuals who thought they paid the amount due and did not check the amount that was paid. This is manipulative and deceiving.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: cmre financial service acct no. XXXX is attempting to collect a debt that was covered by insurance at time of service.IT IS WRONGFULLY APPEARING ON XXXX CREDIT BUREAU

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Debt collection (Medical) with Monterey Financial Services LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XX/XX/2014, my doctor ordered XXXX from a XXXX company called XXXX XXXX XXXX XXXX aka XXXX ( this company has now filed bankruptcy, see this article : XXXX ). They were supposed to submit the bill to my insurance company, but my insurance company states they never received any billing/payment requests. Nor did they send me any kind of notice that the insurance company had not made payment, and I needed to make payment to XXXX. They then sent my account to this collection agency, Monterey Financial Services, LLC. Last month, Monterey Financial reported my account to the credit bureaus, and it severely damaged my credit. Never at any time did XXXX XXXX XXXX or Monterey Financial Services send me any form of notice of the debt, or make a call to me in an attempt to collect the debt. The damage to my credit has cost me financially. 

When I call the attorney 's office that handles XXXX 's billing, the phone rings continually, with no one picking up, and does not go to voicemail. When I call Monterey Financial, they simply tell me I 'll have to talk to 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 06/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Navient calls my elderly mother several timers per day and late into the evening. My Mother is XXXX years old and XXXX. I have contacted the lender several times and explained that I will repay the loan and I 'm currently in the process of consolidating the loan through XXXX ( Dept of Education ). However, Navient continues to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received many calls from a debt collecter to the point where I had to change my phone number. This is a debt that is from 6+ years ago which I do n't have proof that I paid but in fact did pay. They have gone ahead and reported it in my credit reports. I tried calling XXXX last time in an effort to solve this issue and was threatned that if I did not pay they would contact my XXXX and contact my employer ( which they repeatedly called and that 's how we found out it was a false collection agency ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was leaked in the ongoing incident. According to the Equifax website which checks for impact, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have just put an initial fraud alert in place and gotten my report from one of three agencies to check for errors. Now, I will continue to monitor my reports for the foreseeable future.
It is entirely unacceptable to store this information unhashed and unsalted. Any data security company knows this. To do this with the information of Americans is just mind baffling.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I recevied a notification in the mail on XX/XX/XXXX that the limit on my XXXX XXXX XXXX through XXXX XXXX card had been lowered by {$1100.00} from {$3000.00} to {$1900.00}. This left an available amount of {$61.00}. 
The letter stated that there were several factors involved in the decision. They were : - Length of time credit accounts were open ( I have had positive credit for over 20 years ) - Number of delinquencies ( one over 7 years ago in the amount of {$24.00} ) - Proportion of balances to credit limits ( I recently had to purchase a new AC Unit and used some funds on another credit card ) - Proportion of loan balances to loan limits too high ( The last non-revolving loan I opened was a mortgage with $ XXXX in equity ). 
I have a XXXX credit score and make a very sufficient income to cover all of my obligations. I have not had a delinquency aside from a 30 late payment over 7 years ago. The most frustrating and concerning issue is that I received notification from my credit monitoring service that due to the very minimal available balance on this card, my credit score was negatively affected by XXXX XXXX lowering my limit. 
Aside from a XXXX XXXX card that was needed for an emergency vet visit, I have not opened any new accounts in over 2 years ( the last being my mortgage in XX/XX/XXXX ). 
I contacted Customer Service who informed me that I was welcome to apply for an increase. Of course, this would affect my credit. I am not in need of the funds on this card. I do, however ; take great concern with this bank effectively lowering my credit score without any negative actions on my behalf. I wish for my credit limit to be restored. I will no longer use this card and will pay off the balance as soon as possible.

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 04-03-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (MD).
Issue: Application, originator, mortgage broker

Complaint: Chase sent me a letter stating my Home Equity payment is increasing by some 300 % from {$980.00} to {$2400.00} and to call to see if they can lower my payment. I have been a good customer never missing a payment for both the first mortgage I have with them as well as the Home Equity. When I called they said they needed {$500.00} from me before they could start the process to see if they could lower my new payment. I spoke with XXXX. He informed me that it looked like I could combine both loans into a new mortgage and therefore avoid the huge increase in the monthly payment but I had to pay the {$500.00} first. I find this a bit odd and am surprised with Chase 's behavior and appears may be some fraud going on at the bank to get {$500.00} from folks

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: calling and hanging up calling no less than 3 times a day up to 6 times calling after they have been informed of a date i plan to pay the debt. 
i paid a debt off on XXXX XXXX the last payment being XXXX they insist i missed the XXXX paymemt in XXXX of 2014. 
also calling.multiple times back to back

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XX/XX/2017 i send a certified letter to Amsher collectio for debt validation they recived the letter on XX/XX/2017 in my credit report show that Amsher collection was delete on XX/XX/2017 in XXXX but in XX/XX/2017 was reinserted in my credit report in XXXX and i didnt recived any notification in writen dont even from XXXX or Amsher collection that is a violation of the Fair debt collection practicies act and also violation of the Fair credit reporting act section 611 today XX/XX/2017 i dont recived any validation letter from Amsher collection they steel reporting negative information in my credit report XXXX know about the problem but they dont helpfull Amsher cant report any more negative information until they send validation of the debt like my certified letter said

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: Last year I was solicited for a bumper to bumper warranty product from what turned out to be XXXX different companies that were both charging me for an un necessary warranty on a car I am leasing that has a full factory warranty in place. 
I would like a refund as both companies mis represented the facts to me claiming that I could n't use the other and ended up both charging my credit card. 
I eventually changed the Capital One Card number to avoid additional charges. 

I would like assistance in obtaining refunds from these XXXX companies who I feel turned out to be scam. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ Both companies were charging my card for {$110.00} and {$200.00} for roughly 8 months each. 

They were charging my Capital One Credit Card. 

I am XXXX and my son recommended that I reach out to the CFBP to help me in sorting out this mess. I do take some responsibility for providing my credit card, however I feel they mis represented facts and confused me and I didnt realize I was getting charged by XXXX different companies for many months. 

Thank you in advance XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (AZ).
Issue: Other transaction problem

Complaint: My bank is n't sending updated information to XXXX XXXX. Cant take out any money until that happens.

Company response to consumer: Closed with explanation