milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I tried to log into Vet.gov and it sent me to XXXX which would not verify my drivers license or the questions they have on their website. They told me that, Experian, a credit monitoring agency had not enough information about my date of birth. I called Experian and all they did was give me a hard time instead of correcting the problem. They only had my year of birth only but not my day and month of birth, and they would not correct the problem. But I also question why is a Veterans Administration 's  government website Vets.gov and XXXX using information from a a credit monitoring agency, Experian, without my permission. This needs to be investigated.

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 07/21/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Trouble during payment process

Complaint: WE WERE APPROVED FOR A MODIFICATION WITH CARRINGTON. WE MADE ALL THREE TRIAL PAYMENTS AND WE MADE OUR FIRST REGULAR PAYMENT. CARRINGTON CALLED TO SAY THEY WERE CLOSING OUR CASE BECAUSE THEY NEVER RECEIVED SIGNED DOCUMENTS. WE NEVER RECEIVED ANY DOCUMENTS UNTIL THEY FINALLY EMAILED US A COPY ON XX/XX/XXXX THE DATE ON THE DOCUMENT WAS XX/XX/XXXX AND THE DUE DATE WAS XX/XX/XXXX BOTH OF WHICH ARE PRIOR TO THE DATE THE DOCUMENTS WERE RECEIVED ON XX/XX/XXXX. THE SIGNED DOCS WERE XXXX  AND CONFIRMED RECEIVED ON XX/XX/XXXX. I HAVE MADE ALL TRIAL PAYMENTS AND MY XX/XX/XXXX PAYMENT AND SENT THE DOCUMENTS WHICH H
AD NO REAL DATE. CARRINGTON IS TAKING ADVANTAGE AND TRYING TO STEAL OUR HOME! WE CALLED CARRINGTON AND SPOKE TO THE TEAM LEAD IN HOME RETENTION XXXX EMPLOYEE # XXXX WHO BASICALLY SAID IT WAS OUR FAULT THAT WE DIDNT GET THE DOCUMENTS ON TIME AND SAID THE DENIAL STANDS. HE REFUSED TO TRANSFER US TO A MANAGER AND WHEN HE FINALLY AGREED HE DID TRANSFER US TO XXXX XXXX # XXXX. XXXX STATES HE IS GOING TO HELP US GET THE MOD REINSTATED.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Dates : I was supposed to get the reward points by XXXX 2017 Amounts : XXXX reward points Actions : I have contacted the company ( American Express ) several time via Live chat, The representative admitted that I am eligible for the offer and filed a case. 
There was no answer after the 8 weeks of investigation that they promised. 
I've contacted them again but they was just asking my understanding. 

I have a copy of the live chatting transaction which can prove above facts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with Conn's, Inc. (AZ).
Issue: Problem when making payments

Complaint: i currently have 2 loans with XXXX 's XXXX XXXX -- i have 2 payments due on theXX/XX/XXXXof every month. I have been current and on time with them until last month. I have paid them every single month, last month i was late and this month i am late on ( 1 ) one payment. they call my house 3 times a day, but immediately after calling my house phone they are calling my cell phone 3 times ( total of 6 ) onXX/XX/XXXX they called my house 4 times i have told several of their reps that i can not pay until theXX/XX/XXXX, and that i would call them with a payment. they then tell me NO I have to give them a form of payment TODAY. i explained to them that i did not want to give them a form of payment and that i would CALL MY PAYMENT IN ON THEXX/XX/XXXX. and they can stop calling me. I gave my credit card info to one of their representative over the phone on wednesdayXX/XX/XXXXand asked they stop calling and they need to wait untilXX/XX/XXXX to withdrawl the {$120.00} from my account. when i pay this on theXX/XX/XXXX i am not even a month late!! only 2 weeks, but they call 3 times a day and on theXX/XX/XXXX after i had given my credit card and asked not to keep calling i still recieved and spoke with, at least 6 or more people from Conn ' ; s telling them all the same thing that i gave my card information and i can not pay it until theXX/XX/XXXX 
they keep saying that i HAVE TO PAY TODAY OR GIVE THEM A FORM OF PAYMENT. which i already did, i told the lady, when i gave my cc information that i wasnt sure whicvh card i was going to pay with and why coulldnt i call on the XX/XX/XXXX... .she would not stop the phone calls until i gave it to her ... so i did ... .if she wrote it down wrong then i am sorry ... i asked them repeatedly to STOP CALLING MY HOUSE AND MY CELL -- its not like i am a month late ... .it starts the day after it is due ... .i have had 2 late payments with them as i am loooking for a job. 
here are the dates and times ; they have called my house and cell HOUSE PHONEXX/XX/XXXXXXXX pmXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX THIS IS TODAY CELL PHONE FROM XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX THIS IS NOT NECESSARY! After being told i CAN NOT MAKE A PAYMENT UNTIL THE XX/XX/XXXX ( i am only few days -- it will be 2 weeks late -- but REALLY??? 

i will send ( which i thought i had already ) them another letter to NOT CALL MY HOME OR MY CELL ) i am not like 2 months, not 2 weeks late ... there is no reason for the phone calls. when i repeatadly told them i can not pay until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Other

Complaint: I believe that American Express is conducting a form of wire fraud. I have an American Express credit card. I used this card to purchase a XXXX. At my home number, I received a message on my home answering machine from the AmEx Fraud Prevention department saying that I had to call the XXXX number on the back of the card and report that I had received the devices and was satisfied, before AmEx would pay the merchant. I made that call on XXXX XXXX. The merchant reported no payment. I called AmEx again, and we reassured " that your account was charged on XXXX XXXX. '' Merchant was still not paid. I called AmEx yet again ( this time to a number that the merchant told me that they had been told by AmEx that I had to call ... a different number than the one originally left on my home message machine. I called that number and was again told that my card was charged on XXXX XXXX. As of today, the merchant reports that they have still not been paid. 

In other words, AmEx is apparently debiting my account for the full amount of the charge ( and will be expecting me to pay them as soon as my bill arrives ) but AmEx is NOT paying the merchant ... living off the float. And the message they left on my home message machine told me that I had to call the phone number on the back of my credit card in order to have the payment released. They told the merchant that I had to call a different number. This " looks like '' to my eye, a prearranged scheme that causes delay and makes it virtually impossible to get the payment released to the merchant. If they are doing this to just a few XXXX of their customers, they must be effectively " borrowing '' many XXXX dollars from their customers and not fulfilling their customer or their merchant agreements. In my opinion, inasmuch as AmEx is using interstate wire services to accomplish this, this appears to me to be federal wire fraud. I 'd like this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   turned my cable off next day. I am disputing ( Re- investigation ). The balance is inaccurate. See attached .and I turned in equipment as well. Please update credit file. all  XXXX . inaccurate infornatuon. please adjust or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian continues to report inaccurate information on my credit report even after several attempts to correct them. They refuse to fix it. I 've been disputing the accounts of the U.S. Department of Education for over a year. Experian is the only company that has n't deleted these accounts in full. These accounts are from XX/XX/XXXX and XX/XX/XXXX which are older than seven years. Experian will delete one account then leave the other and when I dispute that one they will delete that one and put the other one back on. These accounts were consolidated and being reported by XXXX so its also reporting twice on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: i am a bank of america costomer. this bank keep transfer my money from savinngs to checking out of my agreement .first time the transfer XXXX, and the say is overdraff was the one transfer the money .and letter the XXXX desapear from my account few monmths letter the same thing happem XXXX .l trast times is happem .i when back tack out all my money from my account because if i leffet any mony on my account with desapear, also is a lot not aoutorize transation on my checking account .the total lost is 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 01/29/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am having difficulty getting old student loans removed from my credit report. Upon their request I submitted my credit reports from all three agencies showing the age of the accounts. This was done in XX/XX/2016. I received correspondence from their fraud department stating that the loans had been investigated and that they belonged to me. I never disputed the ownership of the loans. I just want these old paid off accounts removed from my credit report. I have since tried to reach them by phone and have been put on hold for 29 minutes at a time and even disconnected from the phone entirely. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: XX/XX/XXXX I checked my account online with CapitalOne Credit card that I have had sinceXX/XX/XXXX I have had excellent credit with them and have always kept a credit " limit '' of only {$1500.00} as I DO NOT wish to get into debt but keep this card for the purposes of increasing my credit score. When I went online today I noticed that we had an " increase '' in credit limit by {$2500.00} which we DID NOT request and when I called to find out why the lady on the phone claimed that it was standard that they proactively increase consumers credit without their permission to assist with emergencies, I also did a chat with them which I can attach as a pdf file to show that they had intentionally wanted to keep me in a higher debt ratio WITHOUT my permission to increase my limit, they had threatened to remove it and lock my account for 5 YEARS. I spoke to XXXX XXXX in Virginia who was very rude and said they would lock the account and then XXXX XXXX and XXXX who all claimed that they can increase our limit without our permission. This is now effecting our credit rating as we keep our debt to income ratio low and now they have increased the credit line which does in fact effect our score.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I sent in several disputes to remove or correct an account on my report. I have full ownership of a vehicle and I have the title to the car and Experian refuses to correct the information. I was told that I can only dispute an account with them one time only as they have already found the account to be true and i am unable to resubmit a dispute or further submit documents proving my case. I have called several times and spoketo numerous employees and no one will help. I have sent letters and have gotten no responses. This account is no delinquent and this car has been paid off. It is showing as a reposession and a bad debt.

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 05/23/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NY).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Ally financial loaned {$13000.00} in XXXX 2012 payments of {$240.00} so made already a little over {$16000.00} so far call for payoff today and claim I still owe {$5000.00} believe this is in correct and nobody speaks clear English there and struggling to get to bottom of this thanks for listening I really need help direct me to the right person or forward this email to others to see who it is I need to speak with my number is XXXX XXXX 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 10/22/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed a modification with XXXX bank and I was under the agreement and paying, The mortgage company reported on my credit report that foreclosure proceedings had started which was in correct. I sold my home XXXX XXXX during a normal sale and closing procedure and XXXX took 3 months to send release of Lien and also is still reporting that I was in foreclosure which is keeping me from purchasing a new home, the law states that you have to wait 3 years if a foreclosure took place in order to obtain another FHA loan, I need this updated and also the correct information reported, My modification took 18 months to complete and never was properly handled.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Shopping for a loan or lease

Complaint: I went to lease a car from Mercedes Benz XXXX. We agreed to a lease of XXXX miles a year and XXXX down and XXXX a month. At the last minute they said there was an issue with my credit and I have to put XXXX down and pay XXXX a month. On top of that, my biggest and real complaint, was they switched the agreed XXXX miles to only XXXX miles on the contract. This is an absolute bait and switch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Debt collection (Credit card debt) with Advantage One Credit, LLC (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: ___/___/___ Dear Sirs/Madams ; I recently received the paperwork regarding this case in the mail. The envelope was dated ____date______from_______adresss____. As I have read the paperwork, there was an attempt to serve me in person, the paperwork was serviced to a person that does not exist and I have concerns about consumer privacy. Clearly, as stated in the paper work ___________ was the substitute and spouse ; he/she is neither.
My spouse has been deceased for years and as aforementioned____________ was not and is not my spouse. The original paperwork was given to a complete   stranger not only compromises my privacy, it is a detriment to being able to resolve the matter within the allotted time frame. Furthermore, I attempted to resolve this matter and negotiate a payment plan however, by the time I received this I '' mailed '' paperwork the online option was unavailable. I suffer from  XXXX   ( docu mented ), my privacy is especially important, due to this matter my stress is elevated-Who in fact received my paperwork? Why did I not receive it that day? What does this unsaid stranger know about me?   I tried to resolved this matter with your client before it came to this ( I have photos of trying to pay the bill on line and the down payment was ambiguous-and I have photos of it changing, I tried for a larger payment to not avail ).     I made every attempt to pay the bill, after my after my spouse died my accounts needed to be changed to a solo account and this takes some time ; coupled with identity theft shortly after-not only is a strain but it takes quite a bit of time to change these things. I am not eluding my responsibility, I am sincerely trying to resolve the matter and made calls expressing my situation long before this : bottom line is I could not make payments from an account I have no access to. My children had to take this responsibility in interim because my inaccessibility to all the matters that needed to be accomplished, legal matters are time lengthy-especially after death.     Sincerely, ________________

Company response to consumer: Untimely response
Consumer complaint received 03-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: They are contacting our Client Services Department and reaching a representative stating they are calling from Navient in regards to my student loans and asking to speak with me. This is in violation of the FDCPA and could cost me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: on XX/XX/XXXXI made a purchase from XXXX XXXX XXXX  believing that my purchase for 4 tickets was XXXX dollars. Only when I gave them my card number did it say they were XXXX apiece. {$1100.00} total. I immediately called Capital One and told them not to allow this to go through. Then they contacted the vendor and we had a 3 way conversation in which they refused to stop the charge. They hung up. The Capital one agent told me not to worry. They would get my money back. OnXX/XX/XXXX I was charged the full amount. {$1100.00}. I called Capital One about this and was told my account would be credited. OnXX/XX/XXXX I was credited with {$940.00}. ( {$250.00} short ). I called them again and they said I have to dispute it. I did. Then I was recharged the {$940.00} on XX/XX/XXXX. I again called about this and once again I was credited {$940.00} on XX/XX/XXXX. ( still {$250.00} short ). Then they said to dispute the full amount of which I have been doing. OnXX/XX/XXXX I was RE-Charged the full amount of {$1100.00}. This includes an extra {$250.00}! I have called and have talked to them and was told they could not do anything for me. I was in my rights to cancel this transaction. Now I am being charged an extra {$500.00} for tickets I never even received. Is this not fraud? Can I press theft charges against Capital One? Now when I log in to my account I can not dispute anything on this matter. The website wo n't allow it. This is just wrong. I have been a cardholder for more than 20 years and have never been treated like this before. Please help me get my money back. I am not a rich person who can just absorb a charge like this. My next step will be looking into pressing charges and complaints with the FTC for fraud if this is not resolved. I believe under the consumer protection act it was my legal right to cancel this transaction and there customer service rep. assured me they would get my money back. Please help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXX to try and get XXXX hard inquiry off my credit report. They told me they was n't able to help me. I explain that I hard to hard inquiry that was 2 years old. Gave  them dates on both. XXXX inquiry was XXXX on XX/XX/XXXX. XXXX inquiry was XXXX XXXX on XX/XX/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 03/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion refuses to delete this XXXX account from my report. 
The account was never in my name, I never applied for it, I never agreed to make payments on it, I never used it for credit or cash in any form, I never made payments on it. 
The account was strictly used for a business that I had no association or dealing with. 
XXXX took me to court last year to collect payment ( see court documents attached ) but had no evidence of my responsibility for the account or its balance due. Without any evidence, the case was dismissed on XXXX XXXX, XXXX, as the court documents show. 
TransUnion has NO documents from XXXX showing my responsibility. 
TransUnion has evidence from me showing NO responsibility for this account ( the admission by XXXX in court records ). I have disputed this with TransUnion 4 times since XXXX XXXX, XXXX with the same result. 
I need your help in deleting this XXXX account from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have had this tax lien on my credit report since XX/XX/XXXX in the amount of {$1700.00}. I paid off the lien in XX/XX/XXXX. The tax lien should be removed by now since it 's been 7yrs. I have contacted the Credit Agency several times to have this removed and they have refused. The lien has been fully paid and should be removed based on the 7yr time lapse.

Company response to consumer: Closed with explanation