milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: hello, I bank with wells fargo for now 5 years. money was credited on my savings account and then taken several times because of one claim that was closed on my favor. 

the bank left my savings account on a minus negative balance saying the reasons it was done because they had credited me in error too many times. and that by error they had opened several disputed on the same case. 

so the out come was that everything they gave me was at the end taken and leaving me with a negative savings balance for a dispute from XX/XX/2017.

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 09/23/2016 about Consumer Loan (Vehicle loan) with Select Management Resources, LLC (TX).
Issue: Taking out the loan or lease

Complaint: I got a title loan XX/XX/XXXX for XXXX they told me the payment would be XXXX a month for six months. XX/XX/XXXX they told me all I had paid was the interest. I have paid XXXX on that loan and they still want more. I ca n't get my title back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2015 about Credit card () with DISCOVER BANK (WI).
Issue: Advertising and marketing

Complaint: On XXXX XXXX Discover announced that they would offer 10 % cashback ( doubles 1 year later to 20 % for new members enrolled in double promo which was me ) for all XXXX Pay purchases using a Discover card. Press release available XXXX I contacted them XXXX to ask about any transaction restrictions and advised there were none. Due to the incredible value of the promo, {$1000.00} cashback on {$10000.00} purchases doubled to {$2000.00}, I decided to buy XXXX Watch for nearly {$350.00} as it would be profitable. 

On XXXX, Discover changed the terms to exclude gift cards. They had 9 days of internet speculation and the promo was already live and then they decided to exclude gift cards. They did not, however, update their terms and conditions until later that evening. I have the original terms along with my XXXX conversation which I will upload. 

Further, on XXXX XXXX, they sent messages to many card members stating purchases we made contained a gift card and would not be eligible unless we provide a receipt to prove otherwise. There are many reports online of people who received these emails for purchases that did NOT contain a gift card. This means Discover is guessing based on transaction amounts and retailers and now, days short of two months after announcing the promo, expecting cardholders to have saved receipts we were not told to save. They are placing the burden on us. Guilty until proven innocent. 

In addition, Discover has no definition of what is a 'gift card '. I purchased some XXXX Cash Reloads which are not classified as gift cards and are used to load a XXXX account. 

So Discover has changed terms twice, once to exclude gift cards and now two months later to require receipts we were not told to retain. We only have 21 days to provide receipts. I authorized Discover to obtain receipts XXXX which they said may take 30 days. 

How can Discover run a promo that they do n't have the infastructure to support? If they ca n't prove a gift card purchase, they ca n't exclude it. If they want receipts, we need to be told to keep them. It 's just ridiculous and now I 'm out an Apple Watch and many transactions I did assuming I would get 10 % cashback doubled to 20 % because Discover has gone back on their word and been so incredibly unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call multiple times a day telling me to just pay my amount in full so they will stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I took out a loan from XXXX XXXX XXXX roughly two years ago XX/XX/XXXX. This account was created to pay for an XXXX and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from XXXX notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling XXXX proactively did I learn the status of my account ( and only at this point did XXXX begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). I have spoken with XXXX 's collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an XXXX % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (DE).
Issue: Advertising, marketing or disclosures

Complaint: They sent me an email with promotion code of their prepaid gift card. When I used the code to make purchase and they declined my order for twice. I verified my information and they are correct. If they do n't want to sell me the gift card, why send me an ad email? I do n't know whether it is because I complained their service before due to their carelessness and unprofessional behavior. If your employee made a mistake to cause an inconvenience and loss of a customer, you should n't blame the customer complaint but should have tried to figure out how to improve your quality of service. I can not find any other company to provide prepaid cash card. If I can I would not choose Amex ever. I do n't know whether it is called monopoly. As there is only one company providing this service, they can do whatever they want to the customers and do n't care what they feel.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I refinanced my  XXXX   XXXX   XXXX  lease with    XXXX   XXXX    XXXX   XXXX  t  in  XXXX   XXXX . For a year now I have been trying to get an issue with  my Title  corrected. After trying for a year Chase has b  ee n unable to resolve th e Title issu e with no resolution. My original lease financing was through  XXXX   XXXX . At the end of the lease I purchased the car through  XXXX   XXXX   XXXX . At the time of closing,  XXXX  sent me letter stating the   XXXX   XXXX     Title w as sent to  Chase ( the lienholder ). A year later, Chase has y et to take possession of the lease. I moved to   XXXX   in  XXXX   XXXX . I call ed Chase to  request the  Title  paperwork so I could register my car in the state of   XXXX   in  XXXX   XXXX . They told me they would send me the proper paperwork to allow me to register my car. I never received the paperwork. I called about 30 days later and informed them I never received the paperwork. They told me they would resend the paperwork. After the third or fourth request for the paperwork, I was informed they are unable to issue the paperwork because of a  Title issu e and would send me paperwork that would allow me to obtain a temporary registration in  XXXX . I never received the paperwork for the temporary registration. There are  two things Chase  has been unable to resolve, (  1 )  they have been unable to properly title the car in  XXXX  which would allow me to transfer it to   XXXX    and ( 2 ) they have been unable to send me paperwork to obtain a temporary registration in  XXXX . The last time I spoke with them on  XXXX   XXXX ,  XXXX , I was told they contacted  XXXX  to request paperwork ( that was already sent by  XXXX  which  Chase l ost ). WHen I contacted  XXXX  to confirm  Chase had con tacted them for the paperwork  XXXX  was unable to verify any correspondents. It appears because this is a unique situation, the customer service reps are misrepresenting the actions they are taking in order to get us off the phone. Everytime they call they try to push us off and give us arbitrary timelines. I have been living in   XXXX   for almost 7 months now and have been unable to register my car. My   XXXX   registration is expiring in  XXXX   XXXX  and I am unable to register in  XXXX  This is causing me to carry  XXXX  auto insurance policies,  XXXX  in   XXXX   and  XXXX  in   XXXX   I am unable to cancel my  XXXX  insurance policy until I return my  XXXX   plates  however I ca n't turn in my   XXXX    plates until I register my car in    XXXX  . I am unsure what to do at this point as  Chase is not taking ownership of resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was just alerted to an update by way of my accountant that my entire IRS refund was taken by XXXX. It took me 3 years to find a job. I finally found a job and was able to collect income tax and they took the small amount that I was able to recoup. I am a single mother of XXXX children that went back to school at XXXX yrs old. I chose XXXX XXXX which is a XXXX school. They have no job placement. They reported my payment history while I was n't able to pay or find a job to the credit bureaus. I received this letter from XXXX solutions 3 days ago and put it aside out of apprehension. After receiving the news today of my refund, I was tempted to open this letter only to find this information. What can I do to keep these people from taking everything I finally was able to obtain and any future taxable income? They never even gave me an opportunity to get a job and pay the loan back. 

Distraughtly concerned,

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I did dispute this nonsense withe equifax no respond from this XXXX, they reinserted deleted items on my report I did send them letter to explain too me why did you reinserted deleted item I even talk to them on the phone, they r very nasty they toll me we never report them, wow I see them on my credit report then I toll them here is the amount and dates when they ware deleted, here cfpb I give you amounts and dates when they deleted, XXXX XXXX was deleted XXXX dollars. Another XXXX was deleted on XXXX XXXX amount XXXX dollars, now after a year they did reinserted back on credit file this collection account they delete, XXXX XXXX XXXX, I contact both wats going on no respond from them they blame each other, by the law when they delete accounts from file they ca n't pout them back I blame both equifax and XXXX XXXX XXXX, more I blame equifax for reinserting deleted items

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I wrote a certified letter which was received by TransUnion on XXXX XXXX, 2017 at  XXXX XXXX. I will include my USPS certified mail receipt for delivery proof. It has been well over 30 days and I have received no reply. At this point, by law they are required to DELETE the 2 accounts in questioned. ACCOUNT # 1 : XXXX XXXX XXXX # XXXX and ACCOOUNT # 2 : XXXX XXXX XXXX # XXXX. 

My next step is to take TransUnion to court for violation of the FCRA. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items are not deleted immediately. 

I will include my first written letter to TransUnion and also my last attempt letter to have these items removed. With the recent data breaches with XXXX, I would think TransUnion would take this matter more serious.

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 12-04-2015 about Mortgage (FHA mortgage) with MOUNT OLYMPUS MORTGAGE COMPANY (CA).
Issue: Settlement process and costs

Complaint: As part of a Federal Housing Administration based re-finance in XXXX XXXX with our lender for my home and investment property, my mother and I would incur five years of mortgage insurance during the beginning of a 30 year fixed loan with a 3.75 % interest rate. To get my mother and me to agree to this re-finance, on XXXX XXXX, XXXX, our lender promised in writing to pay for the last 17 months of those mortgage insurance payments, from XXXX XXXX, XXXX through XXXX XXXX, XXXX if this loan still had mortgage insurance on XXXX XXXX, XXXX. This re-finance was our XXXX with this lender on this same property, and the lender 's promise was the XXXX of its kind. However, this is the first time for the lender to honor one of these promises. 

In XXXX, XXXX, I asked the lender whether they would honor their promise made during the XXXX re-finance. In response, the lender indicated it would not, and refused to agree that it had even made a binding promise. In addition, the lender gave me a document to sign as part of an effort to resolve our dispute, that said that the employee representing the lender during the XXXX re-finance was a " rogue employee ''. My mother and I refused to sign. In fact, we had worked with this same employee on the lender 's behalf throughout all three re-finances of our property. 

Because the lender attempted to have my mother and me sign a statement that stated this employee was a rogue employee, on XXXX XXXX, XXXX, I asked the lender some questions in writing about that employee 's representations on the lender 's behalf during the XXXX re-finance, and requested that the lender answer those questions by XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the lender sent me a letter acknowledging receipt of multiple correspondences. However, the lender has still not provided responses to the questions as of the time I filed this complaint. On XXXX XXXX, XXXX, I asked the lender whether it intended to answer the questions sent on XXXX XXXX, but received no response as of the date of filing this complaint. 

Additionally, on XXXX XXXX, XXXX, I asked the lender to provide the signed and notarized re-finance documents for the XXXX, XXXX, and XXXX re-finances of our property. I am concerned that the lender will not provide this information because it has already not answered our first set of questions and not indicated whether it intends to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: The letter below is what I sent to XXXX requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by XXXX. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,

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 09-10-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I would like to re-new my complaint against Portfolio Recovery Associates because they continue to contact me after I have asked them to stop because they were not able to validate any debt they had against me. all they have done is pester me all night with voicemails and phone calls, sometimes even very late at night. They claim I owe them {$450.00} and must be paid immediately, they are threatening me with more and more interest everyday and I have told them to removed this account from my credit reports because I do not owe anything two them. After my card was closed I entered into a payment plan and whatever they are doing is illegal because at this point i am paying double for the same debt and this makes no sense. I get calls from family embers who I do not live with and they claim that these companies are calling them and asking for me regarding a collection and its so embarrassing! I have not had a card with XXXX XXXX for over 10 years, where is this coming form now?

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: I opened a XXXX MileagePlus XXXX Chase Visa account XX/XX/XXXX. From XX/XX/XXXX to XXXX, I used to log in monthly on my personal chaseonline.com account to pay my current balance charges. 
I started receiving Chase direct marketing emails to invite me to set up automatic payment, which I did. I set up the automatic payment XX/XX/XXXX on my Chase credit card. By default, Chase automatic payments are setup with the minimum monthly charges and does n't mention clearly the second option you can select for " Full Amount Due ''. 
I 'm French and I 'm not aware of such options. So I have n't paid any attention to this option until I realized today that I had monthly purchase Interests charges since XX/XX/XXXX. This morning ( XX/XX/XXXX ), I had a current balance of {$26000.00} for which I 've already paid {$1300.00} fees!!! I called Chase Client service, explained the situation, paid immediately the current balance ( over $ 26k ) to show them I have money and this was a huge mistake from account setup ( precisely their " automatic payment '' options ) but they declined all responsibilities. I 've asked them why they do n't contact customers when such customers reach those past overdue balance. Their answer was " we have too many customers to serve so we do n't call nor contact any customers for any reason ''. I feel they stole my money as it 's clearly a matter of their " setup '' on their online interface to mislead customers. 
My desired solution is at least to get reimbursed the last Purchase Interest Charges of {$310.00} for XX/XX/XXXX, charged on XX/XX/XXXX ( so 1 day before I contacted them ). I kindly asked them ( the " manager/superior '' I was put through ) to help sort this out as I immediately paid all current balance charges to prove them my honesty. They declined again. 
I 'd like to complain about this scam and get money back from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: fraud and Id theft, police reports # XXXX ( fraud ) # XXXX ID theft

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