milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Bank account or service (Other bank product/service) with First Data Corporation (MA).
Issue: Making/receiving payments, sending money

Complaint: I received a rebate check in the mail from my payroll company ADP on behalf of my Health Insurance company, XXXX, for {$79.00} dated XXXX/XXXX/2014, this was money due to me under the MLR provision of the XXXX. I recently found the check and was going to cash it but noticed it said it expired in XXXX days so was no longer valid. I only found the check last week as it was stuck inside a flyer I rec 'd in the mail that I had set aside and just opened. Since ALL of my transactions with ADP ( who is the XXXX XXXX XXXX XXXX XXXX XXXX direct deposit, I do not normally receive checks from them. 

I called ADP to ask for a replacement check I could deposit and they said " No. '' that if I did n't cash it within XXXX days they were under no obligation to pay it. I asked them if this was legal and they said yes, it was entirely up to them whether they paid me or not and that by not cashing within XXXX days I was not entitled to the rebate. This does not seem right, nor legal. 

After all they owe me the money because I overpaid them under a provision of the XXXX regarding MLR, so I do n't understand how they can now legally claim they are under no obligation to rebate me the money. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Vehicle loan or lease (Loan) with Auto Masters, LLC (TN).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I have filed a complaint with Tennessee  XXXX   XXXX   XXXX . I plan to file with the BBB and a law suit to follow. I believe this company has set up there computer programs to charge customers late fees, regardless if that payment is late or not. I have a ledger uploaded with more than {$3000.00} in late fees. Some examples are as followed ; On  XXXX / XXXX / XXXX  a partial payment was missed.  XXXX / XXXX / XXXX  a payment was made. On  XXXX / XXXX / XXXX  a non sufficient fund charge of {$96.00} was charged  (  for the  XXXX / XXXX / XXXX  payment ). on  XXXX / XXXX / XXXX  another payment was made. Auto Masters then charged a late fee to every payment made after that non sufficient fund charge, ever made for the next  XXXX  yrs. Payments that were made on time, where charged a late fee.  XXXX   XXXX  on  XXXX / XXXX / XXXX  stated, they over charged us by {$30.00} and offered to credit and defer the balance by adding it to the end of the loan. Auto Masters has charged over  XXXX  payments a late charge indiscriminately. Around {$3000.00}. After that initial missed partial payment. Extra payment were made noticeable  XXXX / XXXX / XXXX  {$400.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$230.00}.  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$200.00},  XXXX / XXXX / XXXX  {$180.00},  XXXX / XXXX / XXXX  {$200.00}. No matter how much we missed, or over paid, every payment was given a {$30.00} late fee. If we were short {$5.00} on a payment, they charge a {$30.00} late fee. If we paid a extra {$200.00} that month, they charged that payment {$30.00} late fee. I even mentioned a issue with the car, where we were promised a reimbursement of gas. During this process of complaining about the late fees, Auto Masters reimbursed us for the gas. It appears they took a late fee of {$30.00} out of the reimbursement on  XXXX / XXXX / XXXX . As of  XXXX / XXXX / XXXX  I began making the car payments, there was a miscommunication with my roommate. She told me car payments were {$230.00} due the  XXXX  and the  XXXX . I have been paying over the amount due, yet none of it went to the principal. They stole the extra money by indiscriminating charging late fees to every payment made. This horrendous action has continued for  XXXX  years of the loan. I believe if investigated, the company will be exposed for taking ten of thousands unjustly from the customers. They are taking from the community, a community of military, veterans and their dependents. Customers who are struggling financially or credit wise or both. The way they administer their fees is predatory and should result in a audit of their fee practices.

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 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: At the beginning of 2015 the bank of American Express requested me to pay a annual membership fee XXXX {$.00} I phoned the bank and replied that I ' d rather cancel my bank account than to pay the membership fee. The bank said " No problem, it is only upon your wish, even though when you not pay the membership fee at the deadline of XXXX 2015, this bank credit card can continue serve you two months. '' Considering my available Points as high as XXXX on XXXX I consumed it with a balence of XXXX $ and tried to redeempoints for the statement credit. But to my dissapointment, the redeem function of America Express Website could n't run at all. I 'v already tried to do redeem with my rewards no less than XXXX times, but everytime I tried, the website showed me inevitably this " We 're sorry, the system is down and we are unable to process your request at this time. Please come back and try again later. '' _ this simply means undo! Now the bank insist me to pay the membership fee plus consume bill plus late fee plus interests, totally XXXX $ and all my rewards has to be abandoned. I 'v live chatted with the bank XXXX times but the bank could n't help me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: To whom it may concern, I 've been a member of the XXXX program for years and hold an AMEX Corporate Card so my name should be on file for quite some time already. 
I applied for a XXXX American Express card but this is being refused after several attempts to confirm Social Security details. The issuer rejects evidence provided and keeps requesting additional proof. 
After XXXX attempts to e-mail/upload an electronic version of my Social Security number ( the XXXX not accepted, the XXXX -upload- never available online ) AMEX asked me to obtain an Original Letter from the SSA and mail to AMEX HQ in XXXX XXXX XXXX , Utah to have this processed ; only to find out ( on my, n'th call ) that the document has not been accepted and now require a Compulsed copy of my SS Card ( also by mail ). 
Thus, SS numbers should be accessible for the CC Issuer to check at any time, and confirm with the local agency. This process started with my application, probably 4 months ago. This is clearly unacceptable. There must be other ways to proof SS or credit worthiness ( current bank accounts, fraud lists etc ). 
Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a vehicle lease that is paid off and " Ally Bank '' will not report it correctly. They are double submitting the account to XXXX and XXXX even after many requests to remove or submit as paid as agreed, and only once.

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 03/15/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (NM).
Issue: Managing the loan or lease

Complaint: Payment is processed the day before due date.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Transaction issue

Complaint: I purchased a product from XXXX in the amount of {$750.00} on XX/XX/2015. The product came highly suspiciously, all the logos had stickers covering the product. Some of the products did not work. I then contacted the company for them to send out replacements. They said they would but first I had to provide evidence the product was not functional. They only made available an email address to send a video. Email is limited to XXXX attachment and I complained to the merchant. They ignored me so I initiated a credit card dispute. Bank of America was completely not a neutral party. First, they claim that the company not honoring the warranty does not apply to " Not As Described '' and so they refused to initiate a dispute. I finally got them to accept the dispute, but they did n't apply it how I said to. Then, later, they demanded that I prove the product was defective by getting a third party opinion written on letterhead. When I claimed this was not possible and instead made and upload a youtube video with proof they said they were not going to accept video evidence. Finally, they said that I had to pay the $ XXXX to ship the product back to XXXX and that as long as I had the product they were not going to do any more on the dispute process.

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 04/13/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This is really getting to be a problem. The dates are listed very clear and the police report was given along with other corroborating evidence to this bureau via fax. There are not even taking the time to investigate only reporting inaccuracies. I have been taking several hours of my day to call these banks ect. only to hear that they have not gotten some type of questionnaire that comes from XXXX usually. Even, there how can an account be verified by a questionnaire. This was verbatim from XXXX XXXX and XXXX legal team. Thus far upon me calling directly to these creditors I get results even before Equifax alleged attempt to reach out and verify its accuracies. Someone is lying and it has to be EQUIFAX because the proof is in black and white. I am attaching XXXX ( XXXX ) letters with regard to these inquiries while I await the others. So far XXXX XXXX and XXXX apologize and would like to delete but they are still waiting for Equifax to send them something and so is XXXX XXXX XXXX XXXX. They have NOTHING except my complaint. Now attached are XXXX letters that were sent via email and XXXX Mail stating that inquiries will be removed and they are dated before the XXXX XXXX credit file sent from Equifax saying they verified the information. These people should really stop hurting a persons chance to obtain credibility when they are not even viable themselves. It 's almost like they never even bothered. They just state that I need to contact the creditor directly and do their job, which I am forced to do anyway to receive any type of vindication. I see why they are number XXXX in the news for bad reporting yet they claim they will do their best to help. When this only proves they are doing NOTHING. Says so the creditors as well, because not all people are trained to know the answers so they rely on the help of the bureau to assist the consumer. I am a witness to this first hand now. Please do something about this as I do not have the time and money to keep wasting fighting these people to do what is right. I am a new mother just getting back into the work field and just ca n't give all my time to Equifax for them to get paid for bad reporting. It should not be on the consumer to do their job. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with Credit Karma, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There are a couple addresses that I have never lived at. Also there is a name on my personal information that is not mine. Accounts that I have never opened are showing on my credit report too.

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 04/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been making monthly payments of {$660.00} since XX/XX/XXXX. I wrote down my balance due on my student loans on XX/XX/XXXX and some have increased over the past ten months. 
XX/XX/XXXX XX/XX/XXXX balance due {$79000.00} {$78000.00} {$1500.00} {$1100.00} {$1300.00} {$1600.00} {$780.00} {$1000.00} I have XXXX more loans but this is a representation of what is happening to my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Billing disputes

Complaint: I used my american express credit card to pay for a bus ticket on XXXX XXXX XXXX. The bus service provider did not provide the bus service and I could not make my trip. When contacted the bus service provider ( merchant ) refused to refund the amount paid. They offered to give me a " voucher '' for half the amount of what I paid. That voucher had lot of restrictions and could only be used for some very high priced tickets and was essentially of no value and I refused. I contacted American Express to dispute the charge. America Express agents repeated failed to file the dispute correctly and kept filing the dispute under different categories randomly. American Express keeps resolving the dispute in merchant 's favor and keeps asking me to contact the merchant directly. I called and spoke to an American Express Supervisor today ( XXXX/XXXX/XXXX ). Her name was XXXX ( Id XXXX location XXXX NC ) and she again asked me to deal directly with the merchant. She conferenced me with the merchant and on explanation of the whole issue the merchant asked me to send them the details in mail ( which I have already done once ) and refused to say that they will issue a refund once done. Even after hearing all this, American Express insists that I deal with the merchant. I understand that a customer has a right to dispute when he/she has n't received the promised service. American Express keeps sending me the copies of the tickets sent by merchant. I never disputed the fact that I bought the tickets. What I am disputing is that the merchant did not provide the bus service. Today in our call, XXXX kept insisting that the merchant is not responsible for delays. I have told them that my case is not of delays. In my case, the merchant did not provide the bus service at all. They also say that the ticket was no refundable. I did not ask for a refund because of change in my plans or anything like that. The merchant can not not provide the service that I paid for and was willing to use ( also put a lot of effort to use ) and then say that it was non refundable. The bus broke down less than 5 minutes after departure. The driver lied to everyone and kept every one waiting and no replacement bus was provided. Inspite of my many attempts, the merchant has not answered this question and inspite of that Amercian Express keeps finding in their favor. I lost the money that I used to pay for the tickets and also lost my vacation time because I could not make my trip. I ask that American Express respect my right to dispute in case of services not received and raise the specific questions that have asked in my complaint with the merchant and answer those specific rather then just keep sending me the copies of the tickets I bought and blindly siding with the merchant without providing any reasonable explanation. 
This is a simple case of me not receiving the service I paid for. 
thanks

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed on my transunion report that there are multiple inquiries that were not authorized by me. Here are the inquiries.    1  :   XXXX   XXXX    on  XX/XX/XXXX  2 :   XXXX   XXXX   on  XX/XX/XXXX  3 :   XXXX   on  XX/XX/XXXX  4 :   XXXX   XXXX    XX/XX/XXXX 5 :   XXXX    on  XX/XX/XXXX  6 :  XXXX  on  XX/XX/XXXX  7 :   XXXX   on  XX/XX/XXXX  8 :  XXXX  on  XX/XX/XXXX  I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.

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 01-04-2017 about Credit reporting () with Credit Karma, Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my account through credit karma I have negative remarks due to late payments. I believe this incorrect.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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 disputed a company with all XXXX major credit bureaus. One particular company XXXX XXXX was disputed and came back verified with all XXXX bureaus. I contacted the BBB about this account that I have no knowledge of and the results came back they they were unable to obtain documentation to validate the debt. The BBB obtained a statement directly from XXXX XXXX XXXX XXXX. I would like to know how these Bureaus validate and verify this information. On XXXX/XXXX/17 XXXX verified as my debt, but on XXXXXXXX/17, I received the message from the BBB in regards to this company. I think it 's unfair that the Bureaus can slap unverifiable information on consumer reports and not even attemp to rectify the issue. I had to write multiple letters and make multiple complaints to prove this debt was n't mine. I want this item removed from each of my reports from each of the bureaus immediately. I want all negative and collection items on each of the reports, from each bureau validated with documents that they have recorded and retained in their files. I also want to know if there is any further action I can take. This is the second time that I have had to hunt down information that is placed inaccurately on my reports that has been reported as verified. I have included a file of the letter from the BBB as well as the XXXX  response of verified. Please help me on this matter.

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 11/29/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen and is been really hard for me to correct all the errors in my credit report I have been writing letters and filling out complaints about this problem and I 'm still having problems due to inaccurate information on my report on XXXX of the credit bureaus Equifax and experian I also have a big issue with XXXX. because they check my credit very often for no reason and this affect my credit greatly. I 'm retiree receiving ssi and all my bills are pay by XXXX XXXX and the federal government, and I need all this information corrected and fixed so I can have some tipe of credit again, please I 'm asking for a full investigation on my on my credit file so all the issues can be solve appropriatly. Thanks for your time and have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company called me asking me if I knew certain names I did not. They asked was my social XXXX it did not match mine! They have placed it on my credit report and the debt is not mine!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I Contact ( Experian Credit Report ) To Remove Most Of My Inaccurate Credit Report Request for Investigation of Multiple Unauthorized Inquiry I checked my personal credit report, which I acquired from your organization on [ EXPERIAN ] and I noticed Multiple unauthorized inquiry had been made. 

I contacted [ EXPERIAN AND ALL OF THE ASSOCIATION ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into [ EXPERIAN AND ALL OF THE ASSOCIATION ] of this multiple inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove ALL of the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation ( With Proof ) within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter. 
Here 's The Following Inquiries .... 

1-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

2-XXXX XXXX XXXX XXXX, XXXX 3-XXXX XXXX ( Its Duplicated IT ONLY SHOULD BE 1 NOT 2 OF THE SAME INQURY FROM XXXX ) XXXX XXXX, XXXX 4-XXXX XXXX  XXXX XXXX, XXXX 5-XXXX XXXX XXXX XXXX XXXX, XXXX 6-XXXX XXXX XXXX XXXX, XXXX 7-XXXX XXXX XXXX XXXX, XXXX 8-XXXX XXXX XXXX, XXXX 9-XXXX XXXX XXXX XXXX XXXX, XXXX 10-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 non-monetary relief