milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2015 about Prepaid card (Other special purpose card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Fraud or scam

Complaint: After buying a XXXX rebate eligible product from XXXX, I filled out all the necessary rebate forms and my rebate was approved. I wait the time to receive the card. 

AMEX/XXXX never sent the gift card or was sent back to them by USPS. 

The rebate terms clearly state a fee only AFTER receipt by the cardholder. 
" a {$2.00} monthly service charge applies but is waived for the initial four ( 4 ) months after receipt by cardholder. " XXXXI see this as fraud since when I called AMEX they inform me of the fee and refuses to issue the card in the full amount. Instead I am to be sent a new card with {$2.00} less. I asked for a check but was refused also ( as expected ). 

To further this, the XXXX product that was purchase is an online storage service for 1 year that no longer provides the service.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hi, I had a collection account for a XXXX postpaid phone account which was in collections. I paid the debt in XX/XX/XXXX through an agreement with the collection company. I just checked my credit report however, and I see that Enhanced Recovery Corp is still reporting XXXX {$120.00} unpaid collection account as recently as XX/XX/XXXX. This is hurting my credit, and they should not be continuing to report the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-06-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have contacted Midland Funding LLC several times about this outstanding debt that is not mine. I have disputed it several times as well asked for supporting documentation that shows proof that this debt was mine. I have been dealing with them and this account since 2009. Statue of limitations has passed on this invalid debt but they are continuing to report this false information on all of my CRAs. I am writing to dispute fraudulent charge ( s ) on my account in the amount of {$610.00}. I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from all CRAs. I also request that they cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ). I have filed and had an affidavit notarized. They are not abiding by the law and I would like something done about this! It has effected me long enough!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Numerous inquiries.. not mine

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 06/16/2015 about Consumer Loan (Vehicle loan) with DriveTime (SC).
Issue: Managing the loan or lease

Complaint: I purchased a car XX/XX/XXXX. At the time I had filed a chapter XXXX bankruptcy. I had just completed my final hearing. I lost everything. After being advised by my lawyer, I was cleared to find a car. I had to have a car. I went to drive time in XXXX, N.C to purchase a car. I was asked for a final hearing letter from my bankruptcy. The car was approved and I was told with more money down, I could reduce my interest. I did pay XXXX dollars down. I have had a excellent payment history. Around XXXX XX/XX/XXXX I noticed a drop in my credit score. Drive Time had deleted my account from all credit files. As of date, it has not been placed back. I am told, the credit bureau will not allow it. After speaking with XXXX credit, I am told this is not true. Why are some account being reported and my account is not? Did drive time illegally sell me a car? What are they hiding and why is my credit score suffering XXXX to?

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Mortgage (Conventional home mortgage) with LAKEVIEW LOAN SERVICING, LLC (CO).
Issue: Trouble during payment process

Complaint: I am having two issues with this company. One is that I  accidentally paid my property taxes when they are supposed to so the city has advised they will issue a refund to the mortgage company. I asked my mortgage company for a refund. No response. 

My second issue is that I have requested, in writing, for them to remove my pmi charges from my mortgage. I got an email that theyll address within 5 business days. No response since then.

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 07/30/2017 about Debt collection (Other debt) with California Accounts Service (UT).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: California Accounts are not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... They also have not sent me validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I was told that our house is in the process of Modification since we informed our Servicing Loan company that we would like to keep the house. Their latest communication to us was on XXXX XXXX, 2015 where they requested to submit list of documents and, as our response, we submitted the required documents last XXXX XXXX, 2015. The deadline for the submission is on XXXX XXXX, 2015. However, in the mail, we received a Notice of Sheriff 's Sale of Real Estate last XXXX XXXX, 2015 from XXXX and XXXX with a Sale date of XXXX XXXX, 2015. 
We got confused because the XXXX XXXX, 2015 communication we received, was a congratulatory letter that our Application for Modification is in the beginning of the workout process. We thought for a while that the XXXX Sale letter is just a miscommunication between their legal and mitigation departments. But just to in the safe side, we decided to submit this concern to your office because we do not want our house to be sold and our application for modification is still very active. 
What we would like to achieve at this moment is, that we would be given the opportunity to prove our capability to pay by subjecting us under the Trial Period Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Dear Sirs ; I recently called Freedom Mortgage to discuss removal of the 30 day late that was reported on my credit that I was unaware of and was asked to put it in writing and send for their consideration, which they quickly declined.
The issue is, I was not aware the auto-pay payment had not been processed til I received a alert from my credit tracker advising of the 30 day late. Note that I was not notified at all by Freedom Mortgage until after they reported the 30 day late. 

I even called the automated system and it said my next payment was due in XXXX. I could have easily taken care of this immediately had someone let me know sooner. 

I asked them to grant me the courtesy of removing this late from the credit bureaus as it is causing me much stress as it has negatively affected my credit rating. I always pay on time, and have this on autopay since I first got this loan so I could set it up to pay automatically to ensure things get paid on time and am very disappointed this happened despite being on automatic. 

Thank you for your consideration, I do hope you are able to help me. 

Blessings to you & thank you

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 10/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I took out money from a Bank of America ATM. Two days later I went take out money and my entire account was wiped out, which was about {$1300.00}. I put a claim in with my bank and they declined it because they had pic of me taking money out that night matched to a pic month earlier. I said OK but what about the 3 transactions after that? can I get a pic of those ones? they would n't give it to me and said I need to get a subpoena. I went down to my local branch and they gave me a copy of the photo and it was another man wearing a hat, dark glasses, mask over the mouth and even gloves ( see pic in the attached documents ). I went to the police straight away and put in a report. the police officer said this is quite common for someone to swipe your details. I have been trying to get in touch with the ACTUAL claims handler that decided to decline my claim, but no one ever called me back. I have tried about 4 times 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 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Re :  Interest Charge and Interest Purchase charge and continuing charging an Interest Purchase on  XXXX   XXXX  Th e Barclay Cr edit card seems to be a rip off ... I called them several times asking why are they charging the  XXXX  above charges every month. I can understand  XXXX  interest charge but they are charging an interest charge and an interest purchase charge every month when I have not made any purchases. On  XXXX   XXXX ,   XXXX  , I spoke with a representative that stated they would remove the charges immediately. As of today, those charges continues to be charged to my account. I have attached a statement showing the charges I am referencing page  XXXX  Thanks Very Concern Customer

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 04/14/2015 about Debt collection (I do not know) with The Affiliated Group, Inc (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter from Affilliated Credit Services dated XX/XX/XXXX stating that I owe {$160.00} with fees due a check written to XXXX XXXX. The letter states that the check was written on XX/XX/XXXX. 

I have not written a check nor been in a XXXX retail facility in at least XXXX years. 

Upon contacting ACS, I learned that the routing # for the check was that of XXXX XXXX Bank. I had an account at said bank at XXXX time but it has been closed for at least XXXX years. Further, the check # was XXXX digits long and any old checkbooks someone might have found would only have had checks with XXXX digits. 

Please advise me as to how to proceed. 

Thank you,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 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: Other problem

Complaint: Due to my financial situation in   XXXX   XXXX  , I agreed to put my  American Express acco unt on a payment plan in the amount of approx. {$2600.00}. At that time, I understood that I will be unable to use the card however it  XXXX  be reinstated after the payment plan period. I agree to have  American Express  automatically debit my account month. On   XXXX   XXXX   XXXX  , I received a letter from  American Express  notifying me that that account was sent to a collections agency. I never received a letter or notice that the payment plan was expiring and what next steps were.  American Express  did send Account Snapshots with the balance and other information but nothing in those communications ( last on  XX/XX/XXXX  ) notifying me the account was sent to a collections agency. The amount in collections in approx. {$440.00}. I spent approximatel y 90 minu tes on the phone with various  American Express  departments only being told that it was system generated and could have been prevented had I paid past due amounts - I told them how can the account be past due as I was making payments on a regularly scheduled basis. What really concerns me tha t American Express  would be willing to send to a collections that last amount and the supposed failure to pay a past due amount of {$40.00} after an agreed payment plan paying back {$2000.00}. They refuse to reverse their decision. I have been an American Express cardmember since  XXXX  paying as agreed but having only one time an issue in repayment I felt that they treated me with a disregard in terms of the over 20 year period of excellent credit to make such an awful decision.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit card () with PAYPAL HOLDINGS INC. (TX).
Issue: Payoff process

Complaint: I used paypal credit to purchase some plane tickets. I received a promotion that said I would n't be charged interest for 6 months. If I paid the total amount before 6 months were up, no interest would be charged. I have no idea when my 6 months are up because I was n't able to access the billing statement on paypal.com. I 'm assuming that since I bought the tickets last month, I have till XXXX 2016. I tried to go in today to make a payment but I could n't. Paypal faqs state that the link to make a payment is under the " Money '' category. There was nothing there. I tried logging in through BillMeLater and it directed me to the same paypal page with the same instructions. No matter what I did, I could not find a way to make a payment. Finally, I remembered receiving an email saying that my statement was online. I clicked on the link in the email and it took me to the right place. I should n't have to resort to last ditch efforts like this. If paypal is going to be issuing credit then it needs to stop hiding the payment page.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Billing disputes

Complaint: i have been with this company i realy loved their customer service until i feel on hard times they keep reporting me we sent them hardship letters to no avail

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 03/20/2018 about Debt collection (Other debt) with Associated Credit Services, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received phone call at my work phone number from Associated Credit Services phone # XXXX trying to collect debt owed to XXXX XXXX. I received this phone call while I was in meeting with my XXXX XXXX and my co-employees heard everything that was said on the phone by the debt collector. First of all this is not my debt and this company simply XXXX  the name and called me at my work phone number. I was embarrassed by the phone call and I hung up. I returned the phone call later and spoke to XXXX XXXX at Associated credit services who asked me to verify date of birth and mailing address after verification I was told that you are not the person that we are looking for. My issue is that this debt collection agency called me at my work to collect debt that was not mine. Associated collection services Inc 's collection practice should be examined, because I was harrassed and embarrassed in front of my colleagues for debt that was not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Credit card () with DISCOVER BANK (NV).
Issue: Billing disputes

Complaint: In XXXX XXXX my checking acct was compromised that my credit card payment was auto-pay through. Since then I made monthly money order payments. My balance in XX/XX/XXXX was {$2000.00}. I sent 4 ) {$200.00} payments. I do NOT use the card for purchases & the interest is about {$3.00} a month. My balance is still {$1400.00}. I am clearly not credited for my XX/XX/XXXX payment. My bill went up that month instead of down. They insist that I was credited. There is some confusion because they repeatedly tried getting the payment through the bank, even though I told them not to. So they credited the bank payment then added it back on repeatedly. But it should n't take a genius to do the math. {$2000.00} minus {$800.00} is {$1200.00} not {$1400.00}. I called twice & wrote a letter & keep getting the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: The Mortgage Company was formerley Nationstar, now renamed Mr Cooper. 
In XX/XX/XXXX I was advised by a representative of Nationstar that they were able to apply money from a suspense account to a repayment plan I was on. 

Later i was informed that was an error by their employee, the repayment plan had failed and I now owed two months mortgage again. 
Beyond that it has just been a financial nightmare. 

I sent correspondence, never got a reply ... ..and have since that time made numerous phonecalls to find out why I am liable for their error. 

The late charges have been mounting and completely destroyed my credit, along with posting a former loan modification on my report. 

I cant catch up and no other lenders will touch me because of my credit now. 

I have attempted three further modifications with my current lender, in an effort to remain in my home ... ..simply because i felt I had no other options left, and because the monthly payment recently increased and I have so many late fees now. All have been denied. 

I can show a good payment history as far back as XXXX. 

I now believe this company is very much in error, and am afraid they will cost me my home. They have certainly already destroyed my credit, and left me with no other way forward but to lodge a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XX/XX/2017   , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within  24  hours, I received a reply from  XXXX  stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.  <P/> I have requested that the following inquires be removed :  XXXX   XXXX   XXXX   XXXX  An Inquiry that is tied to no name at all  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   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 06/18/2016 about Prepaid card (Other special purpose card) with Empowerment Ventures, LLC (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I had the Rushcard since XX/XX/XXXX. XX/XX/XXXX they were having technical issues and people were not able to access their money. They stated that they would be compensating it 's customers for the problems they encountered just as I was in the process of moving my direct deposit from them. I opened a XXXX account and have been with them since. Recently, I wanted to go back to Rushcard because I liked getting paid 2 days earlier. On or about XXXX/XXXX/XXXX, I called Rushcard to make sure everything was ok with their system and if my account was ok for direct deposit again. I was told that everything was good, thanked me for being a customer since XX/XX/XXXX and never mentioned any negative balance. I was in contact with Rushcard for over a week before my direct deposit went in and.no one ever mentioned a negative balance until I called them about not receiving my pay. Rushcard is saying that they deposited my payroll twice in error. From XX/XX/XXXX I was never contacted about this. I am a XXXXyr old grandmother of XXXX on a budget and they just took my entire paycheck, XXXX. I had to borrow money to pay my rent. I can not pay my utilities. I called and begged them to make some kind of payment arrangement with me but not to take my entire pay. They told me they would escalate the issue and it would take 2 business days. This was on Friday XXXX/XXXX/XXXX. I called them back after not hearing anything on Wednesday XXXX/XXXX/XXXX and was told my money would be posted back to my account in 2 business days. When I called back on Thursday about not seeing my next paycheck I was told that the information about the pay they took going back to my account was incorrect. I was counting on this, making promises to my bill companies and all. She said if no one contacted me in 2 business days, that meant the escalation was denied..This is a huge huge loss I can not have. I will be in the dark, my cable and car will be gone. Rushcard should not be able to make people suffer for their mistakes. i thought the extra money was the compensation rushcard was giving customers. They never said how much or when they would be doing it. I am perfectly willing to pay the money back but not like this. I am suffering a great deal. My bills were already late so now i am in desperate trouble. These people can not get away with this! I am going back to XXXX. I would have never gone back to a company knowing i took funds from them. I did not know and they never told me, just took my money. I will also lose my health insurance which i desperately need. I need help, please! 

Thank you in advance for anything that you can do. 
God Bless You!

Company response to consumer: Closed with monetary relief