milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I want to terminate my American Express Card on the XX/XX/XXXX and I scheduled my final payment for the XXXX of the month.
I have rewards that I earned and that I want before terminating the card. American Express will not give me my rewards. I previously filed a complaint # XXXX because I filed a dispute against XXXX XXXX XXXX XXXX as they fraudulent billed my credit card for {$150.00} for a tow truck, ( the car I rented stalled and would not start ). American Express received the complaint on XXXX XXXX, 2017 and as of this date has not resolved the dispute. I filed a complaint with the State of Hawaii Consumer Protection Bureau and received no support for my claim of Fraud from American Express. I no longer want this card ; however I do want the rewards that I earned over the past 10 years. I have exhausted myself resolving this dispute alone, without the support of American Express who has taken far too long to resolve this matter. Their merchants are more important to them than their customers. I have had it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I requested all3 copies of my credit reports. When I received then there was multiple errors on all3. I called and corrected most of the information. Such as addresses.. Mispellings of babes.. Ss numbers that wet not mine. Etc. I also found an account that was not mine and got that deleted. The problem I 'm having. Is I have inquiries on my repirt that are still not mine. I contacted XXXX. XXXX and Equifax. Along with the actual companies and no-one is helping me. I know my rights as a consumer and sent proof of identity theft. I put several alerts on my credit reports and still this inquiries are there. These are the ones from XX/XX/XXXX to XX/XX/XXXX. I gave no permission for these to be on my report. According to the FCRA rules these must be andresponded back to me. Since the letter I sent wad only4 days apart. I know an investigation was not done. I plan on purchasing a home later this year and with all these on my report it shows that my credit worthiness is not good and a sign of financial trouble. that is not fair to me because these are not my enquiries. I am submitting this report due to lack of Investigation on my hard inquiries that were not done by me. I did not sign for anything. These are unfair practices by a credit reporting agency with no concern. For the credit worthiness of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Recently I disputed a bankruptcy with Experian that was verified as accurate. I disagree with the results. Although i have filed for bankruptcy in the past the date that Experian is reporting is incorrect my bankruptcy was filed XX/XX/XXXX and should have expired off my report XX/XX/XXXX. The bankruptcy is now only reflected on my Experian report and has long been gone from the other credit reporting agency 's ( XXXX and XXXX ). I have uploaded documentation that supports my claim. please review thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is erroneously reporting ( XXXX ) significant items on my credit report:XXXX ) A public record of a " court judgement '' from XXXX NH court ... source XXXX XXXX XXXX the amount of ( {$5000.00} ) This was a small claims court case ... .in which the result was that I lost ( {$600.00} ) ... which I paid immediately..closing the case in XXXX. I can attach the official court documents which support my position. Equifax is reporting this an open court judgment for ( {$5000.00} ). 

XXXX ) Equifax is reporting a public record of a Federal Tax Lien against me from XXXX. This Federal Tax lien was erroneously placed in XXXX, but it was removed from existence ( without having been paid - because it was erroneous. I filed an official IRS Lien Removal Form, which was prompty approved by the IRS. The court of record ( XXXX XXXX NH ) was succesfully updated, and this item came off of the other ( XXXX ) major credit reporting bureuas ... .but Equifax never removed it. 

These ( XXXX ) erroneous items have directly contributed to me being denied an FHA Mortgage through XXXX XXXX bank in XXXX XXXX. I supplied supporting documents to prove this to XXXX XXXX, which they were satisfied with, and subsequently re-submitted through Equifax ... but Equifax refused to remove this erroneous information ... which led to my mortgage application beind denied ... again ... .causing me tremendous financial loss, continuing financial loss ... hardships, and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with AMERICAN EXPRESS COMPANY (VA).
Issue: Money was not available when promised

Complaint: American Express Serve Card Division STOLE $XXXX USD from Me on XXXX XXXX, 2017, at XXXX XXXX  E.S.T.  The transaction took place at XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX, Tel. XXXX XXXX.

Emails ( From: XXXX XXXX XXXX 
To: XXXX XXXX , XXXX
Cc: XXXX , XXXX 
Bcc: XXXX, XXXX XXXX XXXX , XXXX, XXXX , XXXX , XXXX , XXXX ) were sent to the American Express Company at XXXX XXXX, XXXX XXXX 2017 to which NO ANSWER was ever received.

Once again, AMERICAN EXPRESS stole $XXXX USD from Me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: The Bank of America foreclosed my checking account with a balance of {$5000.00} despite the fact that I filed police report and check fraud claim with the bank.
I was a victim of a check fraud through a customer of the bank this is because   XXXX   XXXX   mailed two checks to my address under the instruction to pay sum of {$6500.00} to   XXXX   XXXX   with acct no -  XXXX   and   XXXX   XXXX   XXXX  , the sum of {$7900.00} with acct no-  XXXX   all in the Bank of America.
After the transfer into these two accounts at the Bank of America the two checks went bad. The bank ought to have protected me as a customer by not allowing these two transaction go through.

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 03/22/2016 about Debt collection (I do not know) with Access Receivables Management (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This collection company recently placed an account on my credit report. I have no knowledge of this account and why it is reporting on my credit. I was not given a disclosure verification of debt and I do not have any knowledge of this debt they are reporting

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 01-05-2018 about Mortgage (Conventional home mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (MI).
Issue: Trouble during payment process

Complaint: I have asked Vanderbilt Mortgage to remove the PMI from my mortgage. It is my understanding of the law that if I can show that my house worth Which was appraised at the time I refinanced it and It appraised at XXXX. I now owe XXXX I have met the requirement to remove the PMI I went on line and asked them to remove it they have n't responded to my request. again tonight I have asked them to remove it

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: As XXXX of the XXXX Million affected by the Equifax data breach, I followed the announced protocol to inform and obtain the monitoring services that were offered. Instead, after beginning the enrollment process and being told that I would have to wait up to 2 days to receive my email since they were under such a backlog, the first email I received was a solicitation to purchase XXXX, XXXX and Equifax services that were an additional paid service. 

All this seems like, is another effort to jam the consumer with another annual paid service as opposed to actually fixing the problem. 

Your organization 's charge, as the supposed " watchdog '' for the consumer, requires the monitoring of these ineffective business processes. Since they can not be trusted with the awesome requirements of protecting our personal information they should not be allowed to do so. Even the IRS has left us exposed to the criminals in these cases and I, for XXXX, am fed up with paying for something that fails.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: my property was in active shortsale process in underwritten with and a counter offer from the bank green tree that had removed the sale date for XX/XX/XXXX because the active shortsale negotiation, in the process Green tree sold the loan to dietech who put back the sale date and foreclosured the property it went back to fannie mae on XXXX XXXX, 2015 because Green tree failed to transfer the shortsale package to Dietech, and Dietech did not have any knowledge that the property was in shortsale and proceeded with the foreclosure, at this point I want my property back I do have all the proof documentation to sustain my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Before I was educated on FAFSA. I was made to believe that my only option for school financing was private student loans. I went ahead and applied for a Student Loan with Wells Fargo. I am newly Graduated and finally got my first job. Of course being newly graduated and not having much experience my salary isnt as high as i would like it to be, once again due to lack of expereince. I am unable to pay the full amount of my Private student Loan. I have reached out multiple times to Wells Fargo to speak about options i have to relive me from some of this financial burden and they were not very helpful at all in wanting to help me. I can not afford the monthly payments they are requiring me to make and I often have to decide which bills to pay and not pay on a month to month basis because the weight of the financial burden is to heavy. 

I also herd that if I had a private student loan but was eligibale for a federal that i was able to convert this private loan into a federal student loan. I dont know how true that is or not. All i know is that I have tried to contract Wells Fargo multiple times about coming up with a repayment plan that would work for both of us and they are not working with me at all. If i am late on payments ( After i told them i was unable to pay full amount ) they start to call and harass me non stop to my cell phone and my parents work phone numbers. 

I am trying to take care of my responsibilities but they make it very difficult for me. I feel like I am drowning. Please Please help me

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Experian is reporting the following inquiries on my report. I do not recognize these inquiries. They were not authorized. I have contacted Experian but they refused to remove the inquiries. They are negatively affecting my credit report and I want them removed. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I was denied a bank account with XXXX Bank based on this company SageStream , LLC that I have never even heard off and they are unwilling to give me a report with what information is being provided to the lender.

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 07-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XX/XX/XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00}. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number Transunion and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with Transunion, the man who spoke to me from Transunion told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the Transunion representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (CA).
Issue: Problem when making payments

Complaint: I received a notice to apply for CashNet in the U.S. mail. The notice informed me that I was pre-approved and eligible for a {$2600.00} loan in which I accepted. Upon accepting the loan, I was then placed on a repayment plan that will total {$8000.00} once the loan is completed after a 15-month period. I was not informed of the 3-digit interest rate prior to applying for the loan. Also, I called the loan company in order to request an extension on my first payment, which was due two weeks following the loan approval. I was told that I had been granted the extension, however payment was still debited from my account and as a result my account was in negative. The {$60.00} that was remaining in my account was charged due to overdraft fees. I have had to close my account as a result, as this action on the part of the company made it difficult for me to cover daily expenses such as buying fuel and food. I live in the state of CA and I see that legally a pay day loan is to only allow a maximum of : Maximum Loan Amount : {$250.00} if maximum fee charged. If this is true, the company also violates this law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (CA).
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: I contacted XXXX XXXX, specifically regarding a late payment in XX/XX/2016 on my XXXX credit card, while they were very friendly and did their best they were not able to resolve the issue as their records could not go back further than 2016, I would like to have this late payment removed as I have had this card more than 10 years and other than the one incident, which was due to bank fraud prevention measures being put in place that required me to update and change some banking information, I have had a perfect payment history, Literally 1 missed payment in over 10 years with this card as well as all other cards. I have set up automatic payments to prevent any future missed payments. I take my credit responsibility very serious and would be extremely grateful to be able to remove this nasty blemish on my history. I've had some rough responses from creditors lately after seeing this one 30 day late and its been severely hurting my chances at the best options available. I absolutely appreciate the time taken by the CFPB and XXXX to look at this issue. Thank you both for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (TN).
Issue: Struggling to pay your loan

Complaint: Every month I pay over {$700.00} to Titlemax!! I located my loan papers and I agreed to pay  XXXX !!! I never would have agreed to pay so much. They also have the incorrect name on the paperwork! I am currently  XXXX    XXXX     XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   in  XXXX , TX. I continued my loan payments but now I am   XXXX   XXXX   and only receive {$400.00} biweekly. I communicated this to management who told me I was in default and up for repossession. I explained again that I am   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . They told me there 's nothing they can do ... which I do n't believe

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I 've requested a mortgage modification and submitted financials to Wells Fargo Home loans several times. I have been unable resolve this matter because Wells Fargo refuse to process my request. I have spoken with several relation managers regarding this matter. I 've been told they have n't received my documents or they need documents I have previously forwarded to them. It is very apparent to me Wells Fargo is intentionally mishandling my request. I 'm currently residing in the property and I do want to maintain ownership of my property. There is a property foreclosure sale set for my property XXXX/XXXX/2016. I recently received a property foreclosure correspondence from Wells Fargo foreclosure Attorney, The correspondence is not a XXXX notice prior to the foreclosure sale as required by Texas XXXX. I appreciate your immediate attention in this urgent matter. Thank You

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 01-10-2017 about Other financial service (Check cashing) with Fidelity National Information Services, Inc. (FNIS) (PA).
Issue: Customer service/Customer relations

Complaint: Everytime I try to cash my paycheck at XXXX or any other check cashing service in denied due to a company named Certegy. I do n't understand why everytime I call them they can never give me a reason why they deny me. This is not fair and a paycheck is a valid check! I have provided this company my id and asked for a copy of my file but nothing explains why they have me red flagged

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Would like my Equifax and XXXX reports update to show only 1 hard injurie not 9 old hard inquires same compsny over as does my XXXX XXXX  report on XXXX 2017 showing only 1.and updating my length of new credit all positive length of time over 5 months.thank you for your time.XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Florida XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation