milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Customer service / Customer relations

Complaint: I have been on the phone with American Express for over 4 hours this week. I signed up earlier this year for a credit card product that came with a {$450.00} annaula fee and I would receive XXXX points. I paid the annual fee, made the requite purchases to receive the XXXX points and American Express wo n't release the points to me. My account shows the points have been credited to me, but AmEx has somehow and for some internal reason put a freeze on the release of the points to me. Their product advertising is misleading and deceptive. 
Their customer service is unhelpful, and unable to come to a resolution. 
I was told by XXXX of their representatives that the points on my account could be released on XXXX XXXX. I asked what did meant, and I was advised that there was a XXXX week window after I met my minimum spending criteria. I then escalated my complaint to multiple supervisors and was advised of XXXX different dates for when my points would be available. There is no reasonable basis for my points to be frozen and will an upcoming trip, I ca n't access my points for the purpose for which I applied for the credit card. I 've been told by several different customer service reps that they ca n't escalate unfreezing my account/points. 
AMEX is willing to admit the many mistakes they made but will not rectify the situation with me. They are not offering me nothing but a {$50.00} statement credit. AMEX costing me time, money, and distress. I would like the release of my points ( per their own advertisements and promotions, an apology from AmEx and a refund of my {$450.00} annual fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Closing/Cancelling account

Complaint: Ordered XXXX for XXXX for my step son. On XX/XX/2016 it said it was Delivered and left at door. Package was not delivered .contacted Best Buy immediately and asked if they could ship to Best Buy in XXXX. Which they did but they messed up and put my name and required signature. Best byybtroed to deliver two times but could n't because it was my name but the store address. Product was then supposedly delivered XXXX XXXX in XXXX ny on XXXX for pick up. Went to pick up time which was no longer at XXXX and lost. XXXX had me have Best Buy call XXXX so I could receive repayment. I was online with bestbuy when they contacted XXXX I waS told i would receive refund. Called back few days later and they had no records of any of my calls and refused to repay me. I got so mad I cancelled my Best Buy card. I than tried To call again next day lady seemed nice and understood package was lost. Since I had closed my credit card I was told they were issuing me a check that day for my refund. Now over a week later I call today they have no records of any of my calls. 'refused to give me a refund, even asked them to then overnight ship me the product i originally ordered and was told they could n't do that as well because it is out of stock. So now I paid for item I never received and refuse to pay my bill if this is is how they are going to treat a customers who spends XXXX a month in the store and never been late on payment. I also contacted XXXX today nntneh have record no f Best Buy calllong them n them notifying them package was lost and I was due a refund. Inneed help. I work hard on my credit but this is it fair

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 12/28/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had credit card XXXX account that was buy by XXXX XXXX Bank XXXX but the account was close and paid settlement XXXX for {$160.00} at that time. I did not received call or letter or statement. XXXX day I received a phone call stating I had XXXX XXXX Credit. I open credit card with XXXX XXXX up on XXXX/XXXX/2014 and charge {$660.00}. XXXX XXXX sell the same account to Portfolio Recovery I have ask over the last year to remove from my credit bureau and also I have asked send me proof to me ware I signed a credit application with XXXX XXXX in XXXX, I have not received any information yet

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have had student loans for approximately ten years with ACS as the loan servicer. I have had multiple issues with this company. They took my original loan amount and split it into XXXX loans. Now my credit report gets double affected when I have issues with their company. The customer service people do not speak XXXX well therefore, every call is around 1 hour long. They have to put me on hold for every question I have so they can discuss the issue with their manager. As soon as I was notified of my forbearance ending, I mailed in an IBR application on XXXX/XXXX/XXXX. I received no response as of XXXX XXXX. I called to see why no response and they stated that I had n't sent in the required documents. I had sent in my XXXX tax returns with the application. They stated that I needed to send in my XXXX tax returns. This unnecessary delay caused my IBR application to be approved on XXXX XXXX, XXXX while my forbearance had ended XXXX XXXX, XXXX. The month of XXXX has been billed at the original amount of {$380.00} and {$400.00}, too large for me to pay. I am able to pay the amounts approved of {$93.00} and {$100.00} but ACS is expecting me to pay the XXXX payment of {$780.00} ( XXXX loans which were originally XXXX ) before I can pay on the lower, more affordable amounts. ACS has done this multiple times over the years : horrible customer service, lack of responses to my applications until I call in, they have lost multiple forms I sent in over the years and now my credit has suffered tremendously due to this company I do not want to do business with. My student loans were at {$50000.00} 7 years ago, now they are at more than {$85000.00}. How can I get help with this account and have the IBR amount effective as of XXXX XXXX, XXXX so I can afford these payments? Also, how can I get XXXX single account instead of XXXX? I would like to refinance with another servicer as soon as possible. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Money transfer, virtual currency, or money service (Debt settlement) with ERC (FL).
Issue: Confusing or misleading advertising or marketing

Complaint: Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1300.00} High Balance {$1300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: have a personal loan with TD Bank terms are five yrs I can not get a print out of my payments have extreme difficulty when I request it told since it is an automatic deduction each month there is no print out for me to see. Absurd I willnot go paperless there is enough identity theft as is.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (Medical) with Mnet Financial Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a verbal agreement with  XXXX   XXXX   XXXX  center prior to my  XXXX   XX/XX/2015   . The agreement was that I put {$1000.00} down and was able to pay out the remaining balance with {$200.00} a month payments. After my  XXXX , they tried collecting more money from my insurance company for several months. When they finally sent me my bill, they were demanding full payment. I called and spoke with the billing department and reiterated our previous payment agreement and was told that they could only accept either full payment or {$500.00} a month. After I told them that I could n't pay that amount, they immediately sent it to a collections comapny..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On Friday XX/XX/XXXX I was made aware of a security breach of Equifax systems and notified that my personal data had been compromised during the breach. This is a very concerning problem considering the struggles I have been through to repair my credit just to have it exposed by a company I trusted would have better security measures than to allow a breach of security that lasted for multiple months.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/2013, I ran into Old Navy to get a bag and my daughter a swim suit for a trip we were heading to. However, the cashier asked if I would like a discount card to recieve coupons, I said yes. However, she never did say it was a credit card at all! So after she said I did n't owe any cash, I knew something was wrong, I then asked her how that was possible, she said you just signed for a card with us. I then told her I did not want one and to make it stop and I 'd pay cash, it was miscommunication. She then went on to tell me It was to late, I needed to contact her Supervisor, never did get a hold of him. I would like this solved. This should n't be holding me back from my future! 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: These representative called and told me I was facing court charges if I did not pay ASAP. So, I scheduled payments. i believe they were lying and misrepresented someone who they are not. This company is Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2017 about Debt collection (Medical debt) with Oliver Adjustment Co. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Oac collection specialist, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts of {$160.00}, {$160.00}, {$230.00} & {$340.00} with  XXXX ,  XXXX , &  XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: This is basically a continuation of my CFPB case number XXXX I will attach the letter of the outcome and the problem with it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with Source Receivables Management LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I previously had a collections account successfully removed from my report due to it being a fraudulent account. Without any notice this same account was put back on to my credit with a different collector name. The only reason I was aware that this account was resubmitted onto my report is because I check it regularly via XXXX XXXX. I disputed the account but did n't have any luck with it being removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: I had applied for American Express Platinum Card and I was offered for XXXX bonus for spending XXXX. I had met my spending requirement and was award with XXXX bonus. Last week American Express removed my XXXX bonus without notify me. I had set up a case for disputed but they denied my request to give back the reward. Their lame reason was I am not qualify for the bonus. My question to them was how am I not qualify if I already received my reward? Why are they taking away my bonus points without notify anyone or even send out a letter for the explanation? I feel so frustrated and want to cancel my credit card, but they refused to give back all my membership fee, which is XXXX dollars. Please investigate American Express for their scamming consumers. What they did was absolutely wrong and unethical. Thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. Capital One refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. XXXX XXXX has issued trades lines on my credit bureau listing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2010, XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (I do not know) with Performant Financial Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Performant Financial at XXXX has contacted me repeatedly ( three calls today XX/XX/2015 ) attempting to contact a XXXX. I am not XXXX. I have told them in the past ( a few months ago ) that I am not XXXX, and they continue to call asking for him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: EQUIFAX, XXXX, AND XXXX HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX   XXXX, and XXXX XXXX, in light of Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents via my disputes, Therefore according to the above statue any and all un verifiable accounts should be deleted promptly and immediately after 30 days. And it's been over 6 months now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with First Data Corporation (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Income tax Fraud since XX/XX/XXXX in the amount of {>= $1,000,000} ( employment history began in XX/XX/XXXX ) for payroll shortages, lack of timely raises, non-receipt of benefits, excess social security and medicare taken from payroll, excess state and federal taxes taken from yearly tax returns. Stolen identity. Personal information has been used to create fraudulent documents to commit forgery with several banking institutions. No documents or requested checks have been received from Telecheck dispute that was mailed on XX/XX/XXXX. Therefore, I would like to sue Telecheck in the amount of XXXX XXXX for concealing fraud with the Virginia Department of Unclaimed Property, total {>= $1,000,000}. Internal Revenue Service 843 Valuation form for XXXX and XXXX XXXX for Income Tax Fraud on behalf of XXXX XXXX and XXXX XXXX XXXX in the amount of {>= $1,000,000} will leave a remaining liability of {>= $1,000,000} that I am requesting is deposited in my XXXX XXXX XXXX checking account that was opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : //www.uscourts.gov/services-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no grantee or trustee for properties that were reported to the US GAO. XXXX XXXX does not have the authority to reverse any banking transactions. 
Share price with XXXX is {$130.00}, .1 adjustment for XX/XX/XXXX Dividend Reporting Tax preparation of XXXX ( corporation, adjustment not to be used for defrauding the government on Bureau of Insurance fraud ) and XXXX XXXX XXXX XXXX who are clients that are under debt collection with the Internal Revenue Service. 
Document Preparation Fee of {$110000.00}. I have prepared 5 documents that have been used for financial preparation with banking institutions and budgeting with the City of XXXX, total document preparation fee of {$550000.00} for XXXX XXXX XXXX XXXX XXXX XXXX. Denied participation fee of {$560000.00} that has been sent to the Internal Revenue Service dated XX/XX/XXXX is only to be used at my consent for account maintenance for clients not for personal use. Unpaid property taxes effective XX/XX/XXXX ( not to be used for defrauding the government dispute or songwriting dispute for XXXX XXXX due to funding already being received from XXXX XXXX ). Please have the City of XXXX Deed/Land Records and XXXX XXXX XXXX update the Virginia Land Cover Sheet to XXXX XXXX as the owner. The property is not under shares with XXXX XXXX XXXX XXXX the property is being claimed under forgery proceeds and Income Tax Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: My account was opened in XX/XX/XXXX with over {$100000.00}. After a year I decided to move this money to another account. I was not told that if I wanted to keep this account I would have to pay a {$25.00} fee monthly. I was told that as long as I had any accounts with the bank, such as checking, credit cards, etc. amounting {$10000.00} I would not be charged a fee. I do have this. 

In XX/XX/XXXX I noticed that I was being charged {$25.00} fee. I called ( XX/XX/XXXX ) and was told my XXXX XXXX that it was a mistake and a check would be sent to me within 5-7 days. I closed the account. That did not happen, called again XX/XX/XXXX, told the same, but still no refund. Called approximately three weeks later, told I would not be getting any refund, not would they make the account information available to me, even after I told them I needed it for Income Tax purposes. I request the {$25.00} as promised.

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 monetary relief
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX/XXXX/16 mailed a letter and included required supporting documentation to 1 ) have my married name updated & 2 ) address updated. Results - address was updated but name was not. 

XXXX/XXXX/16 - phone Equifax. Result - name was updated incorrectly. 

XXXX/XXXX/16 - opened an online request. Result - Equifax marked it complete the same day with out taking any action. Name is still incorrect. 

XXXX/XXXX/16 - phoned Equifax. Informed it will take 30 days to have name updated. Request is already 6 weeks old and 30 days is not an acceptable amount to time to complete such a simple customer service request.

Company response to consumer: Closed with non-monetary relief