milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX of XXXX, I mistakenly sent a payment to an American Express credit card that has been closed since XXXX. The account with American Express was negotiated and settled for less than the amount owed through a court-approved judgment. I had made all payments as agreed to and satisfaction of the agreement was filed with the court. My account was closed and reported to the Credit Bureau as such with XXXX balance. 

I accidentally sent a {$3000.00} payment to this closed American Express card as it used to be my XXXX branded card. By mistake or an online glitch, the payment was to be sent to my current XXXX XXXX credit card. When I did not see the payment credit after two weeks, I realized the issue. 

I contact AMEX on XXXX XXXX, XXXX, to return my {$3000.00}. They acknowledged receiving the monies and acknowledged it was received against a settled and closed account. They promised to send a check back to me in the mail and took my bank information in case they would prefer to wire the money back. 

On XXXX XXXX, XXXX, I called AMEX and got transferred to 7 different individuals where the last customer service guy, clearly speaking to me from XXXX, informed me that AMEX will not return my money back. Their excuse is that I voluntarily sent the money to them and they are not obligated to send it back to me. This is, of course, unacceptable for many reasons : 1 ) We have a negotiated and completed settlement agreement filed and executed with the court 2 ) AMEX attempted to deny receiving my payments in the past and garnished my account. I sued them and reversed the judgment as I proved they had received all payment. An application to remove judgment was filed by AMEX 3 ) My credit Bureaus report " AMEX account Closed '', " Charged Off '', " XXXX Balance '' 4 ) AMEX has already received a tax credit against this charge off. My tax dollars were utilized with the charge off 5 ) Why would I ever spend {$3000.00} to an already closed and charged off account.
6 ) How could a Multi-Billion dollar in quarterly profits company like American Express take advantage of a struggling consumer like I am is beyond any moral, corporate, social or ethical protocols?

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avant Credit Corporation (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: They are set up with affiliate XXXX XXXX. Misleading a consumer with very confused misleading marketing. And pulling credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Money was not available when promised

Complaint: I tried to sign up with XXXX using my Capital One bank account and was advised by XXXX that the bank is blocking me from accessing my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX On the dates above it says that my accounts were closed. I have only ever signed up for that card 1 time but according to my credit report I have had 3 separate accounts with them. My card was also closed without my knowledge.

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 11-01-2016 about Debt collection (I do not know) with Revenue Assistance Corporation dba Revenue Group (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was contacted on my personal cell phone by a XXXX XXXX from Revenue Group. I had to ask multiple times who was contacting me. She rudely advised and then stated tried to ask about someone else - XXXX - who may have had the same address as me. I advised that I do not know the person and then she continued to ask for my address. She then rudely said " ok, bye, bye, bye and hung up '' after what she needed my information for. I would like to seek legal council. I am sure my cell phone carrier can pull a record of this call. Very rude and the debt does not belong to me additionally, the individual that they are inquiring about information has also been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Capital One is ripping people off they say you were email letting you know when your new credit card statement is available what so imagine about making the payment but that wants to let you know that your card maybe over the limit because they give me to charge you the finance fee would interest rates which is cause my car to be over credit limit but they reported to the credit agency over my limit but it 's no fun of my own I was under my limit but because they charge the final three in interest right now let me know which caused my card to be over the limit

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reached out to Transunion to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: Hello The company XXXX XXXX XXXX is claiming falsely that I have a collection account in the amount XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 two accounts that I will list below with experian and they have failed to provide proof that these companies are accurate reporting ... the companies one sold its rights not to the debt they claim I owe but the company that owned them and the new company for XXXX XXXX is a company called XXXX, XXXX told me that XXXX XXXX was the previous owner of the account and they do not have any information on that account reported so please dispute with any reporting agencies that has this information .... so that the reason for this because Ive not gotten anywhere ... 

The second account is XXXX this company has been a joke with communication sending me statements every time I asked to prove I owe the debt, clearly they have no proof, because I never opened a account with them, they said the account was opened on the internet clearly fraudulently. The account must be removed the information that XXXX sends me is not valid so no way the credit bureau experian should have been accepting this information as proof, as per FCRA and FDCPA, nothing about the information is accurate or complete, experian position is that they are not the ones that placed the adverse information the furnisher did, however even so you are required per FCRA to make sure all information given is not 92 % accurate but 100 %, in this case the information is 0 % accurate ... 

Please delete following accounts : XXXX XXXX : {$580.00} opened online no signed agreement XXXX XXXX  : {$0.00} charged off furnisher cant verify the account and its not mines I need it removed ... 

XXXX : {$490.00} well this account they sent notice to experian to delete the account I have also submitted the paperwork, I need it gone no procrastination, I should not have to wait for information that does not belong on my file to be removed its causing me pain in my financial and personal life ...

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 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Wells Fargo credit card I was authorize person, my name is already off from Wells Fargo but still appear as Im still authorize person in credit report. The one that has a credit line if {$17000.00}

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 11/20/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX 2014, I initiated disputes with Experian ; XXXX and XXXX XXXX regarding the removal of account reporting on my credit reports that did not belong to me. Subsequently, XXXX and XXXX XXXX proceeded to investigate and found that the information was incorrect and the accounts ( XXXX ) including this account were deleted from my credit report. Experian Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have disputed these entries via CFPB disputing process ; today I received another copy of my credit report and although they stated in their response to my prior dispute that the account was not reporting on my credit file, they are incorrect as it is ( please see page attached ) they still have chosen to do nothing. I am requesting for the fourth time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SOUTHERN MANAGEMENT CORP. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX from Covington Credit called my job spoke to our Portal Sgt asked to speak to my supervisor who was off asked for the Warden and left a message with the Sgt if I do n't call him that day he was going to garnish my wages and left his phone number. I spoke to XXXX about getting the account current when I went to the office I said I did n't want to deal with XXXX there was 3 other employees there .. XXXX cane to the desk I was working with XXXX about to make my payment and I told him he did n't have the right to call my job and speak to whoever answered the phone and tell them he was going to garnish my wages if I do n't return his call at 1st he denied it then he said he can do what the XXXX he wants and I told him you do n't have the right to curse at me he told XXXX not to take my payment they would be garnishing my wages and told me to leave This is a loan did n't see it as an option above

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 10-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I received a new XXXX Card from Chase Bank. When I tried to access my account online Chase refused to allow me to have access without agreeing to accepting electronic billing. I do n't accept electronic billing from anyone and as has been proven over and over none of these companies can protect our data. I get paper billing for everything. The only thing save anymore is the US Mail. All  Chase is trying to do is save themselves money at the consumer 's expense. I have had an XXXX  Chase account prior ans was not forced into accepting everything electronically. They still have all my personal information and are blocking my access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I recently put an offer on a house and my offer was accepted by the seller. I tried to follow the CFPB 's steps detailed in " Owning a home - Compare loan offers. '' Once my offer was accepted/contract ratified I quickly moved forward with comparing loan offers so that I could select the best loan for my situation. I already had 4 lenders I was working with. I requested the " Loan Estimate '' form from multiple lenders so that I could easily compare offers ( apples to apples comparison ).
I requested the Loan Estimate from this lender a number of times and I was given a multitude of reasons for why the lender could not accommodate my request. The lender said that 1 ) Their loan form is a proprietary form and it is much better and easier to understand than the Loan Estimate, 2 ) Their system can not output a Loan Estimate until the rate is locked in and a buyer has decided to go with them as their lender, 3 ) Providing the Loan Estimate at the shopping/comparison stage is not part of their process. After numerous failed attempts to get this lender to provide the Loan Estimate I instead received something called the " Approximate Loan Cost Illustration. '' I had received Loan Estimates from two other lenders and so I could not compare the " Approximate Loan Cost Illustration '' to the Loan Estimates and conduct an apples to apples comparison. To add insult to injury, the text at the top of the " Approximate Loan Costs Illustration '' reads : " Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. '' The fact that they blatantly contradict themselves is insulting to me as a consumer. This was very frustrating and ultimately led me to decide to go with a different lender, one that followed the rules that have been put in place by the CFPB to protect consumers.

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 disputed a XXXX account that is showing on my credit report. after disputing with the collections agency they informed me that they have ceased collection and has notified the credit bureau. well the credit bureau is still reporting this unverified/ unproven negative account on my credit report.

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 05-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (TN).
Issue: Billing statement

Complaint: I recently submitted ( XX/XX/2016 ) a complaint to CFPB re. the inordinate delay ( two months, twenty days ) that American Express took to post a charge of {$5400.00} to my account ( Complaint # XXXX ) The message of American Express ( XX/XX/2016 ), following my complaint to CFPB is wholly inadequate ( see attachment ). 

First, they do not even mention the CFPB at all, or reference Complaint # XXXX, stating as if their message were completely of their own volition, in an effort to " help us recognize and improve the quality of our work '' : " American Express would greatly appreciate your feedback. Our records indicate we recently assisted you with a billing inquiry. The amount of the billing inquiry was {$5400.00}. '' Actually, if they had thoroughly researched their records, they would find that the recent inquiry was actually the third, in regard to the {$5400.00} XXXX charge to which they refer, going back to my first inquiry, of early XXXX 2016 - over three months ago! 

The only difference between their non-response of early XXXX, and their immediate response of XXXX XXXX 2016, would seem to be my complaint to CFPB earlier that day. 

Thank XXXX for the CFPB! That an overbearing financial behemoth, such as American Express, would actually make at least the appearance of a genuine response, to a humble consumer such as myself, would seen to be a huge step in the right direction. 

I ca n't adequately explain the frustration of restating again and again to representative after representative, my grievance regarding the unconscionable delay of two months and twenty days, which American Express took to post my charge of {$5400.00}. 

And each time, the representative, after listening to my grievance, would ask : But the charge was valid, correct? As if the delay itself was not a valid grievance! The delay is the grievance in its entirety. 

As related in Complaint # XXXX, the delay allowed me to unwittingly exceed my credit limit by {$5000.00}. The validity or invalidity of the charge is irrelevant. 

I completed their Survey, which they claim to be " administered by an [ unnamed ] independent research company, '' gave a detailed account of my grievance, and submitted the complaint. Or rather tried to. A message indicated that there had been a technical problem. Complaint lost. How convenient for them. 

I see now that I have another identical message from American Express in my Inbox. I will respond again to their survey, but this time, instead of restating my grievance, I will refer them to Complaint # XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is using my credit report against me for a debt that was past due in 2006 and is now paid off it is to old to be on my credit Transunion verifies the debt sure the have my ss # and address that does not mean they can report an old debt

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 11-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company Nationstar is threatening foreclosure on my house due to what they believe my account is a payment behind. I went through a modification which trial payments begun XXXX XXXX 2015, I made my payments on the or around the XXXX of each month towards my payment due on the XXXX. XXXX of 2015 Nationstar started sending me notice and calling saying my account was past due. I have been trying since XXXX 2015 to resolve this issue but Nationstar is neglecting to try and resolve the issue. I call, I send letters, I email but still cant seem to get someone to look into this issue and resolve it. I believe they are trying to wrongfully foreclose on my house. I have spoke to XXXX attorneys and they have advised me to check out respa and to try and work out with Nationstar first, that it could simply be an error in paperwork some where along the way. So I am just at my wits end as to what more I can do to get this resolved as Nationstar is making communication with them difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is NOT my debt and i check all XXXX of my credit reports every year and online several times a month also, and yet, i have not received communication from this creditor XXXX or XXXX for {$500.00}, by phone, by mail or on any of my credit reports EVER, but now it has showed up on my credit report on XXXX XXXX, XXXX, when i checked my reports online. I know my ex husband XXXX XXXX had a XXXX cellular account in XXXX and this was on his Credit Report, which he told me about it in XXXX so how & why is it " all of a sudden '' showing up on my credit report, when it has never belonged to me. Who did this & what can be done to Quickly remove it from my report??

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 02/19/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have stated multiple times not to call my cell phone & stated this is not my debt and i continually receive calls as well as emails pursuing this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was alerted of the Equifax breach and check to see if my data was compromised. It was and now I am at risk for identity theft.

Company response to consumer: Closed with explanation