milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/XXXX I referred my friend to apply the AMEX Gold Delta SkyMiles credit card through the link on my account page online. The referral bonus was XXXX miles. Usually the bonus would arrive in several days but I had not received until XX/XX/XXXX so I contact the AMEX representative online and was told it might take 6-8 weeks to get the bonus. I referred another friend in XX/XX/XXXX and got the referral bonus XXXX miles quickly this time. From last XX/XX/XXXX to this XX/XX/XXXX I contact AMEX representatives online for many times and each time I was told to wait for 6-8 weeks until they would finish the investigation. However when I contact them again today, I was told my reffer bonus offer was not XXXX miles but was XXXX miles per referral! Because I received XXXX miles already so that I would not get any more! I can't believe they told me this! During previous contact online I told the representatives my offer and I also copied the offer from my acount page it was XXXX miles from last XX/XX/XXXX to XX/XX/XXXX. I also told I thought the XXXX miles I got in last XX/XX/XXXX was for my referal in XX/XX/XXXX because my friend applied the card in XX/XX/XXXX got her open account bonus but the one applied in XX/XX/XXXX did not get his open account bonus either! Many of my other friends got the same bonus after they referred successfully from the end of last XX/XX/XXXX to this XX/XX/XXXX. I have been wating for about 5 months and because the refer bonus is not XXXX now that they said my refer offer was always XXXX. I can't trust them any more. That's why I ask CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (LA).
Issue: Trouble during payment process

Complaint: In   XX/XX/XXXX , I along with thousands of others lost my house to flood waters. Since that time I have paid {$55000.00} out of pocket on repairs. After sending in information to the Carrington Loss Draft Department several times starting on  XX/XX/XXXX , I was just informed today,  XX/XX/XXXX , that one of the notarized documents is missing the property number. I have spoken  to a review board and several employees in t he Loss Draft Department over the course of the last month , and never was this  mentioned.I also found out that the documents were reviewed on  XX/XX/XXXX , the same day I was told that disbursement was requested. I was informed that I should call back in 24 to 48 hours for the details of my check. When I called they told me there was a problem with my paperwork that they received a MONTH ago. The paperwork will be updated and sent in the morning, but it takes 24-48 hours to update the system, then it take 3-5 days to review, then another 3-5 days to cut a check, then it goes in standard mail to arrive to the consumer within 5-7 business days. This process is ridiculous. For 9 months I have been displaced. Since Carrington b ought my mortgage in  XX/XX/XXXX  I have not missed a single mortgage payment. I feel as though this company is in breach of the covenant  of Good Faith & Fair Dealing. An Attorney is being contacted to see if there is anyt hing that can be done about this. Hopefully no one else has to go through this struggle after losing everything they own.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Debt collection (I do not know) with FIDELIS RECOVERY MANAGEMENT, LLC (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company has been calling for several YEARS. Most recently this morning ( XX/XX/XXXX, XXXX XXXX ). They keep asking for XXXX XXXX. We have told them DOZENS of times there is NO XXXX XXXX or anyone even close at this number. There never has been ; we have had this phone number since the XXXX. We 've never heard of this person. We have told them this repeatedly and have told them many times to stop calling. They keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: In XX/XX/XXXX a credit card purchase of {$1900.00} was made with the Best Buy credit. I was paying my monthly minimum credit card on the Best Buy credit on-time. My minimum could increase from time to time. And then in XX/XX/XXXX, there was an interest charged of {$120000.00}. 

I called and asked for according to them credit was to have been paid in full within the 24 months or that it would be subject to to the interest for the financing of that purchase. 

Now they are sending me bills for over {$200.00} and charging my account {$37.00}. I told them I could not afford such amount and advised that account be closed, which they did but are still charging interest and late fees. I asked that I was willing to pay $ XXXX monthly but they needed me to pay more and typically even as I pay, these charges are being applied.

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 08/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX charged me for streaming on a device they said would be comparable to Clears device for internet. I called sprint to continue service for internet when XXXX went out of business. The person said they would send me a device comparable to the device that XXXX had. I was also referred to XXXX after XXXX went out of business. They told me that this device would be the same as XXXX device. They even told me they would charge then same as XXXX. After a few months of being charged {$60.00} a month the device I was using said I was streaming or what ever and said I used the device for something else and changed me XXXX one month. I told them on the date I got the bill I had not used it any other way than as internet and it was supposed to be used for said amount of XXXX. I told them I could not pay more than {$60.00} and they said I had ran up the bill for that month of {$300.00}. They said they would not change and I stopped using the device. I switch to XXXX because a XXXX employee said the device was not the same as XXXX. They in turn have me as owing them as ridiculous amount of {$300.00}. They even have me being called by said collection agency.

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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Problem with fraud alerts or security freezes

Complaint: In XXXX 2016, XXXX XXXX closed all my checking and savings accounts and my credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts and security freezes on each of my credit reports : XXXX, XXXX and experion. <P/>I have called each credit bureau and submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action. <P/>Please contact each of the credit bureaus to remove ALL fraud alerts and security freezes so that my XXXX XXXX can get information for my ready reserve applications. My XXXX XXXX has applies five times and can not get credit information to approve my application for new reserve accounts.

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 01/25/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've called Sallie Mae a few times now to try and get an extended loan for lower monthly payments. They will not offer me this, they instead tell me my two options are putting my loan into forbearance for three months if i pay them a {$50.00} " good faith '' fee OR if i just flat out do n't pay my loan a collection agency will call me and help me set up a payment plan. Both of these options only hurt me and help them in the long run. How are they allowed to try and force me into collecting large amounts of interest or late fees?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I had several accounts that I found to be Inaccurate accounts on my credit report and I have disputed these accounts with Equifax on several occasions and the keep sending back as verified even after I have sent proof. The guidelines also states that if a company cant verify an account in 30 days that those accounts also has to removed and Ive sent verification of this as well as Police Reports and nothing is getting done. I also had a Tax Lien listed on my credit file that I disputed that Equifax is saying is Verified but the IRS has no knowledge of this and this document will also be attached. I started this process with Equifax around  XXXX   2017 .

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 TRANSUNION INTERMEDIATE HOLDINGS, 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: I have disputed a tax lien on my credit report from Transunion on 3 different occasions. The lien is not on my XXXX or XXXX credit report which I have attached. Transunion only says that the lien has been verified but did not furnish me with no original documentation on who or how it was verified.

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 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I recently changed banks, I had submitted my monthly payment to my capital  one  card and the payment was returned since my bank account closing went through right away. No one notified me on the payment returned. So, thinking that my account was in good standing I found out I had an illness and have n't been in my right sense. Was logging into my account today to pay my bill and it said it was closed. I call customer service and the lady was so rude, she belittled me. I told her about my illness and how I made my payment but because of my memory did n't submit my bank change and she said it was n't her problem and I can apply for a new card in the future and hung up! So now my account is closed when I have never been late for my payments!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted   XXXX   XXXX   to set up an arrangement for my account. After speaking to multiple people I finally reached the credit department and they agreed to set me up on a payment plan for  XXXX  a month. I have yet to receive a letter so therefore I called to check the status. I spoke to a young lady that told me that my invoice would reflect  XXXX  and that is the statement that I would be responsible for. I made the payment of  XXXX  but they debited my account for  XXXX , which the funds for that was not available for. In addition to the unauthorized payment, they place a 30 day late on my credit report. I have never been late paying them in addition, they totally confused me with the debit out of my account. I request to have my payment of  XXXX  removed and the 30 day late mark removed as well.

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 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I made my first repayment towards my Student Loan with XXXX XXXX, now Navient on XXXX XXXX, XXXX, one month after graduating from the University XXXX Maryland University XXXX. On XXXX XXXX, XXXX I paid {$500.00} towards my loan and have paid {$500.00} every month since. However, my account shows my first payment as XXXX XXXX, XXXX. My account is missing XXXX payments of {$500.00} and the interested that should be credited for them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have tried to setup recurring payments for a specific amount, but it would only let me setup recurring payments for the minimum amount. I wanted to aggressively pay off my student debt, but they prevented me from doing so. This costed me additionally in compound interest over the life of the loan. It has been frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account donot belong to me at all and i would this removed off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: mailed letter to TransUnion on  XXXX   XXXX ,  2017  asking for Method of verification, requesting copy of documents bearing my signature. Have not received any such items. I have frozen accounts with  XXXX   XXXX  an d Tran Union still con firms that Chapter  XXXX  is verified through  XXXX   XXXX . I also have sent them the letter from the Bankruptcy  Court  stating that they do not verify anything to credit bureaus. How can you report something in my file that you ca n't even say is correct when you have no way of verifying it. There are millions of  XXXX   XXXX  out there my medical records get mixed up all the time.

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 02-07-2017 about Mortgage (Other mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD).
Issue: Credit decision / Underwriting

Complaint: In XX/XX/XXXX I applied to refinance my first mortgage XXXX ( XXXX ). The process went along smoothly until I needed papers to subordinate my second mortgage with Rushmore Loan Management Services ( XXXX ). 
The request for subordination was sent to Rushmore in the first week of XX/XX/XXXX by XXXX, my refinance company. On XX/XX/XXXX, Rushmore promised the subordination documents in XXXX-5 days. So the title company ( XXXX ) scheduled the closing on XX/XX/XXXX at my XXXX County home. I did not pay my mortgage for the month of XXXX because I was advised the total loan would be paid off in the first week of XX/XX/XXXX. 
The fact is, after promising the paperwork a number of times since, Rushmore did n't send the subordination documents until XX/XX/XXXX. That caused my rate lock to expire costing more money, AND added more money to my mortgage payoff at an interest rate of just over {$81.00} per day. Now I am saddled with having to roll an estimated additional {$3700.00} plus filing fees because my loan rate expired. When you cost that out over a 30 year loan, I will be paying ( a very conservative ) additional {$210000.00}!!!!!!! I spoke with a member of Rushmore 's Consumer Service Department, who agreed I should be reimbursed. But, I received a letter on XX/XX/XXXX stating Rushmore made no error, and my request to be reimbursed was declined.Is there ANY help you can offer?

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Auto) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have attempted to contact the creditor in order to verify debt but I have received no response nor documentation of the same

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I applied for a car loan when purchasing a new vehicle - I obtained financing thru XXXX XXXX, the dealer also ran my credit with Ally Bank who in turn used XXXX XXXX - I received a letter today stating I was denied credit with Ally Bank via the XXXX credit report showing my score of XXXX. My current credit scores are XXXX, XXXX and XXXX - I am a XXXX XXXX XXXX XXXX XXXX XXXX and I am also in the XXXX XXXX and keep a close watch on my score. I have no idea where the XXXX is coming from and I feel it is incorrect and false reporting in order to charge higher interest rates. They stated the reasons for a low score were as follows : LIMITED HISTORY AT THIS PHONE NUMBER - I HAVE HAD IT FOR OVER 18 YEARS LIMITED CREDIT HISTORY - I HAVE TWO CARS, A MORTGAGE AND CREDIT CARDS THAT ARE PAID MONTHLY AND ON TIME LENGTH OF TIME AT RESIDENCE TO SHORT- I HAVE OWNED AND BEEN IN MY HOME FOR 11 YEARS TOO FEW ACTIVE ACCOUNTS- I HAVE TWO AUTO LOANS AND OVER 10 REVOLVING ACCOUNTS FOR OVER 5 YEARS I believe both Ally Bank and XXXX are at fault. I understand scores can be slightly different but definitely not by 100 points. These kinds of practices are unfair to a consumer especially if I was a consumer who did not understand how the credit score system works.

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 07/19/2017 about Debt collection (I do not know) with F.H. Cann & Associates, Inc. (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Numerous calls from various agents of this company, weekly, for the past 3 years to my place of employment. I have told them repeatedly that they were not allowed to continually call and they were not allowed to give messages to my coworkers and subordinates, yet they continue to do so. Today, they left another message with one of my subordinates and I decided to file a complaint because it seems to me that they are seeking to embarrass me at my place of employment. The company is FH Cann & Associates. The number they are calling from is usually XXXX. But they have called from other numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: Was told  by NFCU employee I can pay off my cash advance balance. Payed more t  han I wanted to to  pay it off. Things got bad for me. I am a mentally   XXXX   XXXX   with a fixed income and have a very difficult time dealing with people after what happened in the military. This is ridiculous that I have to bring this to a government agency to help. I calle d NFCU MUTLITPLE ON MUTIPLE of times about this and every single time every supervisor refuses to make the adjustment and refuses to give me any further information about NFCU  or what to do anything or contact anyone about my problem and refuses to help further everytime.     I do n't want this for the next  XXXX . This is n't fair and is stealing in a nutshell. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently reviewed my credit report on XXXX/XXXX/XXXX and saw a new entry for a collection account that was placed on my file in XXXX XXXX. It refers to XXXX and is in the amount of approximately {$3600.00}. We went to a seminar in XXXX held by XXXX in XXXX Tn. and were offered a package THAT COULD BE CANCELLED within 30 days. I contacted them within the 30 day window and cancelled my obligation. I spoke to them verbally and also sent a written request to cancel. The agent for them said she noted our file and acknowledged it was cancelled. Again, the service offered by them was never used in any manner and was cancelled properly. This was 8 years ago. Now, for some reason it has been re-surfaced and turned over to a collection service. I want this removed immediately from my credit report. The debt IS NOT VALID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Other fee

Complaint: I had a bestbuy credit card account with a {$300.00} line of credit. They wanted to charge me an annual fee of {$53.00} in XXXX. I sent them an e-mail requesting that they waive the fee since I was uncomfortable paying the fee. They refused. I spoke with them again and asked on their chat application. They said they could n't waive it so I asked them to close the account. They never said they would continue to charge me for the fee and now they 've hit me with a {$32.00} late fee. They also call XXXX a day harassing me. I want this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief