milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Balance transfer

Complaint: XXXX XXXX, CA-XXXX XXXX/XXXX/XXXX American Express XXXX, TX XXXX Dear American Express, RE : American Express Plenti Card XXXX Refused to take a Balance Transfer I am member since XXXX and enjoying membership benefit almost 12 years. 
I got a Balance transfers offer by mail date on XXXX XXXX ( Letter Attached ) I called today your call center XXXX on XXXX/XXXX/XXXX at XXXX PST. 
They refused to take a balance transfer and given me XXXX call. I called that number and agent name called XXXX XXXX, He also refused to take a balance transfer. I asked them to transfer for supervisor, he said he not available. 
After that same day XXXX PCT I called XXXX that number agent called XXXX, He also said no balance transfer offer your all card and treated me very unproficinaly. He refused to transfer to supervisor. XXXX not treated me like a real customer and I felt discrimination. he did n't provide service what I needed. 
I loved to do balance transfer and please called me some one responsible person and help me out. 
If need more information contact me on XXXX Thanks. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Credit card) with MSW Capital, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a credit card debt that was closed. MSW Capital bought the closed account and used XXXX XXXX XXXX XXXX to collect. XXXX contacted me to start a payment plan. I was told that the debt was paid. However, MSW Capital, blindly, set up an interest on the closed account. I have tried to contact MSW Capital for 3 months. I was contacted once by MSW by XXXX XXXX. He told me that it was unusual to charge interest. He said he was going to look into the contract. He never contacted me back. I have made complaints with the XXXX, but it was unresolved. I just want my credit corrected and stop making payments. I have made a $ XXXX monthly payment for 3 years. I am an XXXX soldier with a security clearance. I do n't my renewed clearance jeopardized by this issue. MSW Capital had no right in buying my account, charging interest, and use a third party collector to collect on the account, without my consent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (I do not know) with Accelerated Financial Solutions, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Upon receiving a letting in the mail. That they had purchased a debt that had already been removed by the FTC regulartor, I immediately called the company to let them know the debt was not valid. They provided no help or resolution to removing the item from my credit file. I came to consumerfinance.gov to get the information to them in writting. I forwarded to them the information proving that the item had been removed, and that they should cease all attempts to collect this debt including reporting to the credit companies. I received this response from the company '' Accelerated Financial Solutions , LLC received and reviewed the complaint submitted by customer. We understand that Mr . Customer is disputing the account. We have asked the original creditor to provide us with the supporting documentation regarding the above mentioned account. In the meantime, we are requesting the credit reporting agencies remove this trade line and we will cease all activity on this account while we investigate this matter. Upon completion of our investigation and receipt of any supporting documentation, we will provide you with a copy of all material we receive in whatever fashion Mr . Customer would like ( email, fax, etc ). 


If you have any questions, please call us at XXXX. Our office hours are Monday through Friday XXXX EST. 

I removed my name from the above response. 

This debt appears on my XXXX credit file. Accelerated never sent me any information, as they said they would. And are now reporting to my credit file. This is contrary to what they said they were going to do. 

The original debt had already been removed from my credit file. They purchased the debt after the original debt had been found to be not valid. This is in clear violation of my rights. This item must be removed. From all credit files. 

I did everything I am supposed to do to protect myself, but accelerated violate my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-11-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: To whome it may concern I have contacted eqifax enguards to a chapter XXXX acct, an bankruptcy which has been asked to verify an velidate with complete proof of claim in which they have failed to do so, I have also contacted the courts for such information to know XXXX .would you please XXXX me an obtaining closer in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: XX/XX/XXXX I cosigned for a student loan with the lender Navient, address : XXXX XXXX, XXXX PA XXXX, telephone XXXX. It appears they have done negative reporting on my credit report but never once notified my of payments not being late or delinquent. I attempted to apply for a car loan and learned I have delinquent reporting on my Experian credit report. After receiving a copy of the report I learned it was reported by Navient for XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Apparently the primary fell behind on her payments for which Navient never notified me. I contacted Navient on XXXX XXXX, XXXX ( spoke with XXXX XXXX XXXX ) who confirmed the late payment and then took a payment over the phone from me in the amount of {$95.00} ( conf # XXXX ) which she claimed would be bring the account out of delinquency. I informed her no one ever contacted me and she could not find any record of anyone contacting me either ( via mail nor phone ). I told her I wanted to file a complaint. She said the compliant was registered and gave me the phone number XXXX to call back in 10 days to get a status. From XXXX XXXX - XXXX XXXX I called Navient 's complaint dept and never reached a person, only got a voicemail for which no one ever returned my call. On XXXX XXXX @ XXXX called customer service, spoke with XXXX ( XXXX XXXX ) who had no record of compliant being submitted and said due to a system glitch the {$95.00} I paid back on XXXX XXXX did not process in their system - this they never notified me of either. I asked for a manager and was transferred to XXXX. The supervisor REFUSED to give me Navient 's physical address so that I can send a formal complaint certified mail. I let her know she was being deceitful and not forthcoming. She would not give me the CEO name until I mentioned reporting her for a UDAAP violation. Only then she gave me his name but still would not give me the physical address. The Supervisor XXXX then gave me the POB address for their Customer Advocate Dept to write to them and they will see if negative credit reporting would be updated. 
I informed XXXX that 1 ) they have very misleading practices that have impacted by credit score, 2 ) they should be notifying me of late payments if they are going to report on me, 3 ) I will report them to Consumer Bureau because they have system issues that do n't process consumer payments and then they report the customer for late payment. This happened twice. 
CFPB please help me to get Navient to be responsible for their bad practices. My credit reporting should be corrected and I should not be impacted by their bad systems and poor notification practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On  XXXX   XXXX ,  2016,  I purchased/financed a vehicle with Kia  XXXX   XXXX   XXXX . During sell I was informed by in-house finance manager that I would be given 90 day deferred payment. Unfortunately, this has caused problems to date. My car was repossessed but I was able to retrieve car back but informed that I had to pay past due balances and fees. I should never had past due balance as I was supposed to have the 90 day deferment that was offered during original sale. I have attempted to dispute but have been unsuccessful. I should not be responsible for late fees, repo fees, or any additional fees. I need help to rectify this ongoing lengthy issue that I have already expressed to finance company customer service. Issue unresolved to date.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: The issue is with Bank of America ( BOA ) on the APR of 19.74 %. I have a credit score of XXXX according to BOA. I have been a customer since XX/XX/XXXX, and my power reward card issued through BOA has a 8.47 APR according to XXXX customer service representative of BOA on XX/XX/XXXX. I called the company to research the best way close and open accounts to avoid any penalties. I was advised to close my Power rewards card and wait until my Flexible reward card came in because I was unsure that BOA would review my history and give a comparable rate to my Power Rewards card, the APR on the Flexible reward card was 15 % -23 %. XXXX transferred me to XXXX where I asked XXXX when I receive the new Flex card will my XX/XX/XXXX member since be carried through, she said it would. I also asked about 8.47 % APR of old card would be reviewed for the new card. XXXX mentioned to not cancel oPower rewards until Flex card came in and I liked the APR. I spoke with XXXX on XX/XX/XXXX and we opened a new card but did not cancel Powerrewards yet. I received new card XX/XX/XXXX and was dismayed that the APR was 19.74 %, my name middle name was wrong XXXX not XXXX and the cardmember stated XX/XX/XXXX. I called XX/XX/XXXX BOA was not open, I called today XX/XX/XXXX at XXXX presented my problem to XXXX and asked for a manager XXXX. I explained my problem and wrote a complaint up. But offered no solution, I was upset by 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 08/19/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had a sixty day late notice from Discover student loans on my credit history. I have tried to understand how this happened and have come to believe I have been the victim of entrapment by them. I only want the late notice removed from my account. 
I have already complained and their response was dismissive and had questionable statements. 
I will attach a document detailing this complaint and my interactions with Discover student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is a formal consumer to business complaint ; I have been attempting to get information removed from credit files since XXXX 2017, with no success ; have called, faxed, email and mailed written request to have errors corrected. I do not have a signed contract with the following companies ; I have never done business with these companies and not liable or responsible for these debts. I would like correction to all credit report files with removal of the following information. Accounts that are not mine and need to be removed : XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX XXXX # : XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) # : Unknown, XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX # : Unknown, XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # : Unknown. I Have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX also remove inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX I have never applied for credit with these companies.

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 10/18/2015 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: APR or interest rate

Complaint: Chase credit card services dropped our SCRA in XXXX 2015 conveniently while our military family was XXXX. In XX/XX/XXXX I realized that the APR % went from 6 % to over 20 %! I contacted the bank immediately. They informed me that the SCRA benefits expired and I would need to resubmit information. I did so on XXXX XXXX, 2015 and got a confirmation that they received it. Today on XXXX XXXX, 2015 I had to call again since the benefits wer not applied yet ( 3 month later ). The representative " XXXX XXXX '' told me she did n't see were I sent them and if I resent the paperwork today that they would expedite the request, and call me back to confirm it was received. I resent it via secure messaging on the site as we spoke and received the same " confirmation '' email, but no one ever called me. I have come to a desperate point and feel that they are taking advantage of our military family. I can attach screenshots of both SCRA information messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I went on line to ask for a Bank of America account, I have had two before and I am a victim of Identity Theft. I have faxed in both police reports to the three credit bureaus and to as many of my accounts including school loans. I went in to XXXX XXXX XXXX to discuss the accounts and about reopening up one. When I saw him on Saturday the XXXX of XXXX and I also took in one of my police reports that was from 2013 with the IRS. I showed him the report or at least placed it on the table. XXXX XXXX XXXX was very polite and professional. Asked for me to come back in the week so he could call in and get authorization and to override my previous accounts. I called XXXX XXXX on Monday and I left several messages. XXXXXXXX, XXXX, XXXX, we basically were playing phone tag with each other. The number I called was XXXX, when finally speaking with XXXX XXXX, he mentioned he was waiting for a call/authorization and he would let me know, to wait for a call from Bank of America by XXXX. Around XXXX I received a call from XXXX XXXX and stressing that I owed money did I want him to tell me the amounts owed to Bank of America XXXX I can fax you the police reports and can someone let me know what my rights are as a Victim of Identity Theft and thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with REGIONS FINANCIAL CORPORATION (NY).
Issue: Trouble during payment process

Complaint: OVERVIEW : I am a former home equity line of credit ( HELOC ) customer of Regions Bank. I have satisfied the HELOC in full on XX/XX/XXXX and Regions Bank confirmed this via their attorneys XXXX, XXXX XXXX XXXX, XXXX, as well as by refunding me overpayment check but Regions has yet to satisfy/release the mortgage they put on my home preventing me from refinancing my home at another bank. It has been four months and Ive tried to contact Regions multiple times but keep getting the run-around and cant even get them to call me back/write me back/assist in this matter at all! Background & Details : I first obtained a HELOC from XXXX XXXX XXXX XXXX in the amount of {$300000.00} with my wife on XX/XX/XXXX and they subsequently recorded a mortgage against my home in the same amount ( ATTACHMENT 1 ). In the years since, this HELOC has been extended several times and sold/transferred to several different banks until finally landing at Regions Bank.
I was discussing renewing this HELOC with Regions Bank loan officer when I received via mail ( ATTACHMENT 2 ) on XX/XX/XXXX that the loan was due/past maturity and Regions was calling my loan due for total outstanding amount. After discussing with their law firm XXXX, XXXX XXXX XXXX, XXXX, I decided to pay Regions back in full and made full payment amount of {$300000.00} ( ATTACHMENT 3 ) on XX/XX/XXXX. XXXX, XXXX XXXX XXXX, XXXX. sent me confirmation ( ATTACHMENT 4 ) that they had received the payoff and that their legal file was closed out due to the pay off of the loan. They subsequently informed me via telephone that Regions Bank would satisfy my mortgage and remove it from title of my property. Regions then sent me via mail a cashiers check for {$98.00} ( ATTACHMENT 5 ) stating OVERPAYMENT OF LOAN on XX/XX/XXXX signaling their receipt and closing out of the loan. Please note that the loan number on original notice of payment from Regions, wire confirmation from my Bank, confirmation letter from law firm & overpayment check from Regions all match as same. Since XX/XX/XXXX, I have made no less than 10 calls to Regions Bank asking for them to release their mortgage on my property so I can refinance my home but each call has failed and they can not even refer me to their loan satisfaction department.
Any assistance you can give me to resolve this situation with Regions Bank would be greatly appreciated. Thank you in advance for your help.

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 04/15/2015 about Debt collection (Payday loan) with CHECK INTO CASH INC. (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have paid back the amount I owed to the company I borrowed the money from, but they keep calling me and threatening to take me to court or jail and they threaten me about how much they can take from my check every other week I get paid.I was threaten that if I did not give them my bank card number they will take me to court and/or put me in jail

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2015 about Bank account or service (Checking account) with U.S. BANCORP (AZ).
Issue: Account opening, closing, or management

Complaint: US BANK made a cash bonus offer via e-mail for switching to US Bank checking. The letter said if I open an account with them by XXXX XXXX 2014, I will get a cash bonus of {$200.00}. I had satisfied all the criteria including making a direct deposit arrangement for this account and opened an account online using the offer code XXXX. But it has been more than 7 months and I have not received my cash offer. Moreover, US Bank just this month closed my account because they are intellectually incapable of serving me as a customer. I do not bank with them anymore anyway but I want my cash bonus offer of {$200.00} paid to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: After requesting validation from XXXX XXXX and receiving no response I pulled my credit report. On XXXX/XXXX/XXXX XXXX XXXX account XXXX balance was deleted from my credit report. However on XXXX/XXXX/XXXX the XXXX XXXX account reappeared on my credit report as account XXXX. 
I received XXXX from XXXX XXXX XXXX. XXXX/XXXX/XXXX sent dispute to Experian regarding invalidated debt reappearing on my credit, duplicated account and cancelled debt being reported. As of today I have not received a response and credit report pulled XXXX/XXXX/XXXX still shows duplicate account along with debt balance for which I paid federal taxes on.

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 02/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX sold the debt to Jefferson Capital, and after selling it XXXX realized that the debt was an error and they sent me a letter stating the balance was deleted. ( letter attached ). And they also said they would take care of any third party vendors. Yet, even though XXXX did notify them, Jefferson Capital is still sending me a bill. I sent a copy of the XXXX letter to Jefferson Capital as proof I do not owe the bill, and they still are not removing it off my credit report. I am sending you all of the communication that I have thus far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (DC).
Issue: Struggling to pay mortgage

Complaint: I am self employed and have been applying for modification for ov er four  years but never received any answer from Citibank.   My husband and I have been in this property for 11 years and we want to continue to reside here and we want to do all thing possible to continue to live at our home.   Although, we have had some personal and business setbacks due to illnesses and loss of business opportunities ; we are working to make sure we keep our home.   For the p ast four years, Citimortgage has refused to accept payment from me. Citimortgage stat ed that they refused to accept the payment because my property is in foreclosure but I was not in foreclosure. I may have been in pre-foreclosure. Also, Citimortgage listed on my credit report that my property is in foreclosure. However, my property has not been foreclosed.   This past week,  Citimortgage sent m e a letter indicating that I have been approved for short sale even though ; I did not apply for short sale. I applied for modification and/or principal reduction.   The recent letter from citimortgage included information that citimortgage did not previously disclose to me. In the letter I learned that citimortgage only considered part of the household income.   I initially sent my financial and my husbands financial, it appears that citimortgage did not fully review my submission.   I am seeking you help to get full modification review.

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