milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2016 I received a call from my tenant at XXXX XXXX XXXX XXXX indicating there was no heat in the home. As it was winter in XXXX and my tenant has XXXX children, I needed to get it addressed ASAP and my husband was out of town on business. I called a few places and was able to get XXXX to come out the next day. 
Communicated with tenant on XXXX/XXXX/2016 he was smelling gas from the water heater exhaust as the hole they cut for the filter was way too big. Tenant was very concerned for his family and their safety. 
I called American Express to dispute the charge and explain the situation. I was told by a representative NOT to contact the vendor, he would take care of that. I asked him a minimum of 2 times and he told me that I did not have to, and American Express would. 
As I understand the communication from XXXX, they have no records of any contact being made to them after installation and have not been given the opportunity to remedy the issue. I did n't contact them under the advisement of American Express. 

Since then I have been disputing these charges with American Express and they can not make the connection that I was acting on the direction of their representative. American Express now wants me to pay for the furnace as XXXX does not want it back and American Express will not take any responsibility. 

I have been a card member with them much of my adult life and am completely frustrated that they will not assist me and " back me up '' as they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX I received a overnight unsigned letter from Bank of America informing me that they had " removed '' {$4500.00} from my regular savings account as the results of a CD that I had made a loan to a business on that closed and the bank received a " Payment Demand Notice '' from the Texas State Comptrollers office. The bank incorrectly stated that the account balance was transferred to my personal savings account. When in fact the loan was not accepted. The {$4500.00}. from a {$10000.00} CD was rejected and replaced by a {$5000.00}. CD secured by the Trustee/ Owner of the business early, in XX/XX/XXXX. Copy attached. Further, the {$5000.00} CD was to the business. A Conduit bond was canceled. And a new bond issued for {$5000.00}. In XXXX, XXXX The certificate of deposit was released with a statement that its was not needed. It qualified for exemption. Copy attached. The assignment loan of {$4500.00}, shows the first two copies submitted neither signed by Comptrollers office. Because they were not accepted at that time. On XX/XX/XXXX, I received a Next Day delivery from Bank of America with a back dated signed of copy of the last version of the original CD signed by a XXXX XXXX. In writing at the top of the form, and the faxed statement at the very top confirms this. I informed XXXX XXXX that I had gotten the document reviews by an attorney for consultation. His recommendation, ( because I could not afford to hire an attorney ). Was to first address the problem directly to the Comptrollers office. I did. On XX/XX/XXXX. I received an email from XXXX XXXX, Tax Hearing Attorney for the Comptrollers office stating the office was correct in this actions, and the file closed. Both the Comptrollers office, and Bank of America have used manipulation, and abuse of position and authority to take funds from my person to secure funds for a closed business. The Comptrollers office manipulated part of my account in in their " Demand Letter ''. Copy attached. 
Please review and reply. 
Thank you, 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 11-05-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Other

Complaint: i have been a good customer here. for some time. i received a letter from them after i asked for a XXXX time good will credit. in addition to XXXX XXXX of medical bills i had a bad summer and wanted to give them the chance to help me after years of loyalty. well i call as the letter i received from citi said to call to give more info about what i need. i held on the phone only to be told i would need to be in a program in order to get help. i do not need or want that. i want loyalty something other banks have given. The message from this bank resoundingly is they do not value me. realistically i could if i chose get my debt discharged and i have not done that nor plan to.It is frustrating to waste my time. i can not use my cards from citi til things change. i should not be asked to call for no reason only for run around. Additionally i am supposed to have til XXXX to pay with no interest. that was done for me at least even though they are too greedy to help a cusotmer like me which means i will be unable to use the card again. please confirm its XXXX. not XXXX. i cant waste my time calling going nowhere fast. so disappointing we are all people life is short and the greed is so thick i could not use the card again. dont tell me to call to waste my time big deal helping me with XXXX or XXXX dollars you will not feel but would make a difference to us. i could be on food stamps right now due to my son and bills. i can pay but needed help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I was part of the XXXX credit information hack. In addition to lack of personal notification that ALL of my personal and financial identity information was compromised, I find it unacceptable that I have to PAY to freeze my credit when I did NOT consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.

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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: XXXX XXXX XXXX XXXX has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XXXX XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new XXXX in XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Received a letter in the mail from North Shore Agency, XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX stating that they are writing to collect {$24.00} that I owe for XXXX magazine subscription. 
No other details about my subscription provided to substantiate for which subscription period etc. 

I have all records showing subscription is paid and check was cleared by XXXX XXXX magazine for my current subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I got a copy of my credit report there were errors, I disputed the errors I received an email that the investigation was finished, but Equifax will not let me log in to access the results. The information I am giving them is correct and is the same information I used to get my credit report. I need to access my report and dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have made Equifax aware of the same issue on several occasions. I have a letter that was sent to me from XXXX XXXX regarding my disputes regarding hard hit inquiries on my credit report. In the letter XXXX XXXX states that they will contact Equifax and order them to remove the inquiries in question. It is very concerning that when I dispute 1st with Equifax there response will always be a standard response that the dispute in question has been verified then I dispute directly with the Creditor and the have a different answer. According to the Fair Credit Reporting Act Equifax is required to conduct a reasonable investigation. It is obvious that Equifax did not complete a reasonable investigation and therefore is in violation of the Fair Credit Reporting Act. This is my formal notification and request that Equifax remove all XXXX XXXX hard hit Inquiries from my credit report. Furthermore, if Equifax does not permanently remove the hard hit inquiries I WILL file a lawsuit in Small Claims Court no later than XXXX XXXX, XXXX for violation of the FCRA, damaging my credit scare & credit worthiness. 

In closing, I have requested Equifax to send me a copy of my current and updated credit report because I can be a victim of identity fraud and as of the date of this complains ( XXXX/XXXX/XXXX ) Equifax refuses to grant my request ... ... NOTE : This will be part of my Small Claims Lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Mortgage (FHA mortgage) with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage from Capital One. In early discussions I told the consultant that I was in the process of deciding if I should buy a house now and take a new position within the same company later in 2016 and wanted to know what I could qualify for at this time. I completed the loan application and was told by the consultant that she would not complete the application until after I had applied for, been offered and accepted the new position and had been in the position for 2 years. I did not receive an appropriate declination letter and I do not believe that I would have been declined with my income and my credit score. the consultant decided on her own that it would be better for me to apply when I had XXXX a year income rather than XXXX a year income. that way I could buy a larger house, take a larger loan and increase her commission on the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: XXXX per my credit report does not show that my American Express Card is CLOSED. Need them to update the status.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (RI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I never received my bills / email stating I was past due. I was past due because of an annual fee this company charged. I get paying the annual fee but they reported me to my credit bureau as past due in the amount of XXXX. This should be illegal to report me based on a fee they charged, chRge a fee for the fee and report false information when it wasnt past due XXXX. I want a deletion letter sent to remove these off my 3 credit bureau reports and an explanation why I never received a statement, a phone call or an email about my past due balance - If I never signed in online Id never have known.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: XXXX XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.

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 07/16/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: NATIONSTAR MORTGAGE HAS FAILED TO CORRECTLY MAINTAIN OUR MORTGAGE ACCOUNT. XXXX 2016 REVEALED THAT THEY ADJUSTED OUR MONTHLY PAYMENT DOWN BUT UPON PERSONAL DISCOVERY LOCATED THAT THIS WAS DONE IN ERROR DUE TO THE COMPANIES ILL ATTENTION AND RESEARCH WITH OUR LOCAL COUNTY TAX BOARD TO CALCULATE THE ESTIMATED PROPERTY TAX AMOUNT. THEY ISSUED AN APPROXIMATE {$8500.00} REFUND AS A RESULT AS WELL. AFTER AN APPROXIMATE 6 HOURS ON THE PHONE TO CORRECT THE ISSUE, AN AGREEMENT WAS MADE WITH NATIONSTAR THAT US/THE CONSUMER WOULD ISSUE 2 CHECKS. 1 FOR THE MONTHLY PAYMENT AND 1 TO CATCH UP THE ESCROW ACCOUNT THAT THEY HAVE NOW SHORTED AS A RESULT OF THE ABOVE ERROR. INCLUDED IN THE OVERNIGHT PACKAGE WHICH INCLUDED THE ABOVE SAID 2 PAYMENTS WAS A TYPED LETTER OF HOW THE PAYMENTS WERE TO BE CREDITED IN ADDITION TO A NOTE IN THE MEMO SECTION OF EACH PAYMENT SAYING " PAYMENT '' AND " ESCROW. '' UPON ARRIVAL OF OUR XXXX MONTHLY STATEMENT, " NATIONSTAR '' HAS YET AGAIN FAILED TO SERVICE OUR ACCOUNT CORRECTLY AND APPLIED THE " ESCROW '' PAYMENT TO PRINCIPAL.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Debt collection (Private student loan debt) with Key 2 Recovery, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I went To XXXX XXXX XXXX XXXX and injured my XXXX and could no longer work. Over the past years Ive made attempts at contacting the companies to try and resolve the debt but could never afford what they ask of me. Theyve always wanted hundreds and hundreds a month!!! I can not afford that! Recently I contacted the most recent company the Key 2 recovery company last year to try to make amends yet again and as I talked To them I told them that I didnt make enough money to make the payments they were requiring of me and I asked repeatedly for lower monthly payments and they refused and said it would affect my credit. I said I couldnt pay anything more and they said they couldnt take any less than all of it. I can not afford {$6100.00}! Its been 10 years! Its on my credit and has been affecting me! 

XX/XX/XXXX Key 2 recovery XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX There is also another company that is attached to it that is older XXXX XXXX and XXXX Since XX/XX/XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX According to my credit report I owe XXXX to them for the same bill! 

How is it 2 companies can claim that I owe them for the same bill? And report it on my credit monthly as owing {$13000.00}!?? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Billing disputes

Complaint: I submitted a payment through the credit card website. The credit card already had all my checking account and routing information saved, since I have made payments in the past with no issue. I bank with a large national bank and I know none of my account information has changed. My payment due date was XXXX/XXXX/2015 and I made my payment on XXXX/XXXX/2015. If I did not religiously check my checking account and see the payment was not posted, I would not have known that there was a problem. I contacted my financial institution ( not the credit card company ) and they stated they did not receive any debit requests on my account. So I know it was not my bank, but the credit card company that was having the issue. I did not receive any communication or notification that there was a problem with the payment. So not only was I not notified that there was a problem with the payment, but the credit card company charged me a fee for a returned payment. This credit is a Macy 's Credit Card issued by Department Stores National Bank. I submitted XXXX inquiries through their " preferred '' communication channel. The XXXX inquiry was submitted four days ago and I have received a response. The XXXX inquiry was submitted 24 hours ago, again no response. I feel that this is a deceptive and abusive practice on the part of Department Stores National Bank ( Macys ). This is blatant attempt to increase fee revenue on a customer that pays their bill in full and on time. I could understand if I entered the information incorrectly ; however, this is not my first time making the payment through their website debiting my checking account. All previous payments posted without an issue. And the lack of any communication/notification means they are trying the hide the fact that they made an error and charged the customer a fee. Typically, people will only check their account when the statement is generated. By then, most individuals are accepting of the fees and do not realize that they were also charged interest on the unpaid balance. This is Department Stores National Bank 's greed coming into play.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2018 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (OH).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/2018 I received a call from this company. The representative stated their name, I have since forgotten the name. They hung up before stating any information regarding the call - simply their name and they hung up. 

I subsequently called back to see who was calling me. It is rare for me to get a random number calling. I got the same person, and said you just hung up on me - what were you calling about? She then asked who I was. I told her that I just received a call from her number, and the person identified themselves with her name. I'm not sure if the call is for me or not, but I was trying to find out. She said that until I was ready to identify myself on the phone she couldn't help me, and hung up. 
I called again, and asked for a manager. The person that I spoke with this time said that someone could call me back. I stated that I could hold. She said that they don't transfer calls there. So I explained that I am trying to understand the nature of the call that I am receiving. By this point, I had at least been able to XXXX the company to know that they are in fact at least a company with a website, but nothing that I have any knowledge of business with. I gave her the phone number that they called, and the representative confirmed that they were in fact calling for me. I identified that I am in fact the correct party and how can I help them? She then says she can't tell me why she is calling unless I provide my address and date of birth. WHY would ANYONE ever give an unknown person at an unknown company their address and date of birth when they have no knowledge of who they are or why they are calling??? I replied that she does not need that information and again asked how I could help. She refused to speak with me, and I requested no further calls from them as they refuse to state the purpose of their call. 
Upon arriving home I had a letter in the mail from Gold Key Credit. The letter informed me to the purpose of their call. My concern is that due to the extremely unprofessional manner in which they handle themselves, I instructed them to never call me again. A balance could of ended up reported to my credit, simply because the employees are to inept to identify the purpose of their call prior to asking for key personal identification information that most people will not provide without any knowledge of why they are providing such information. Since their managers don't take calls, this is the only avenue remaining for me to voice my concern.

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 03/15/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Agency will not provide the correct documentation

Company response to consumer: Closed with explanation