milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (SC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: While booking a delta flight on XX/XX/2017 I saw an American express ad that said that I would get a {$100.00} bill credit if I signed up for the delta amex card. I signed up for the card, was approved, and completed the transaction. However, I later found out that an unknown error resulted in my transaction not completing. <P/>After I logged into my new American Express account on X/XX/17 I noticed there were no charges so I called American Express. The Amex representative I spoke with wasnt able to answer why the transaction wasnt listed on my account. I then told the representative that I didnt want to make the purchase if I wasnt going to get the bill credit. The representative assured me there wasnt a problem, and that I would get the credit as soon as I made the purchase. <P/>I followed the representatives instructions, but after making the purchase I was deigned the credit. I was told this was due to my having a Delta American Express card several years earlier. Further, I was told this information was clearly given to me when I signed up which is not true ( I have screenshots of the whole process that shows irrefutable proof ). Despite what American Express says, I believe that I should still receive a credit for the following reasons : 1. I called Amex before making the actual purchase and explicitly asked the representative if there would be any problems regarding my getting the credit. The American Express representative assured me that I would get the credit as soon as I made the purchase. <P/>2. There is no clear indication that prior card membership excludes a person from receiving the credit, and it appears that American Express went through a lot of trouble to intentionally hide this information. ( I have unbelievable screenshots documenting this ) 3. Due to a XXXX XXXX I would have problems finding a single clause intentionally buried in a contract. The only way I could reasonably expect to find out about this information is to call, which I did. <P/><P/><P/>[ screenshot available upon request ] ( As you can barely see, there is LITERALLY a whole section of print that is hidden from the customer. You can barley see the tops of letters from a whole other section of completely hidden/unaccessible text. This information isnt available by scrolling or any other method that I could figure out. There is a star * after the first line item, but there is no legend or key that explains what this means. ) [ screenshot available upon request ] ( actual screenshot of failed ticket purchase on X/X/2017 - no indication about prior credit card restriction ) [ screenshot available upon request ] ( Screen shot of actual temporary card - still no indication of credit restriction )

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: OnXX/XX/XXXX, I opened a Money Market account at SunTrust Bank - Tradition office for the express purpose of receiving my life savings to the account. The account was created just for this purpose as directed by XXXX XXXX, the Branch Manager. OnXX/XX/XXXX, I had my life savings of {$270000.00} wired to my SunTrust Money Market Account. On XX/XX/XXXX, SunTrust put a hold on the domestic wire and then closed all my accounts onXX/XX/XXXXwithout explanation. Closing Checks were printed for my accounts with the exception of the {$270000.00} which SunTrust has kept from me. I have tried contacting SunTrust on seven different occasions and get different stories. Today, XX/XX/XXXX I was told that my funds are being held and no further information is available for release to myself. My funds have been stolen by SunTrust - and I want my money returned to me by XXXX this Friday, XX/XX/XXXX ; before I go to the media live at XXXX to tell my story and warn others away from SunTrust. SunTrust does not return calls/communications, not even XXXX XXXX herself. I just want my life savings that have been unjustly and illegally stolen by SunTrust! The domestic wire was from the law firm handling my needs and taxes have already been paid on it all as the funds were accrued over the years of owning 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 04-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Cable TV I returned equipment and paid what I owed. They have me in collection.

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 07-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Chase bank closed my account at XXXX XXXX XXXX, no notice, no written notice, nothing, app still looks like my account is fine, they will not let me withdraw my money ( yes balance is positive ) nothing. Husband went to branch, they said 'we have the right to close your account, we are not telling you why ' we asked if we could have money for food, no, we have a XXXX year old who had nothing to eat.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Non-federal student loan) with ACS Education Services (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had three phone calls from the same ACS Education Service from XXXX, XXXX three days in a row. Each time, I verfied my identity. I attempted to call ACS in XXXX, XXXX, and they deny it and take no responsibility. I can prove otherwise by my phone log. Three calls, three days. What 's worse, I only have around {$100.00} left on the entirety of the loan. It 's ridiculous! AND ... they were trying to collect, at first, over {$200.00} and did n't have record of last month 's payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The Fair Credit Reporting Act was established as Section Nine XXXX 9 ) of the 1970 Currency Act, otherwise known as Public Law 91-508, and subsequently amended many times. It was established to protect consumers as well as the commercial banking industry. It also establishes a playing field for full disclosure on the validation or verification of credit trade lines or items of public record. 
An item of public record being a judgment granted to a creditor against an individual, having the right of being on a credit bureau, that are part of credit reporting agencies ( CRA 'S ). These items have a right to stay on one 's credit report for XXXX XXXX 10 XXXX years from the date the judgment was granted. However, several changes have been accomplished recently based upon rules on re-aged debts. 
Bankruptcies have a right to be maintained on credit bureaus for ten XXXX 10 XXXX years, be it a Chapter XXXX or Chapter XXXX petition. 
I personally, as part of my right under the Fair Credit Reporting Act have a right to know where an item of public record originated from, such as a public record vendor. It must be presented to me who the public record vendor was, their contact information, and a person XXXX s ) responsible for the maintaining of any true copy original of an item posted against me on any credit bureau ; i.e., Experian, XXXX respectively. 
Accordingly, I have submitted a request for full authenticity of a bankruptcy posted against my credit bureau, and that no disclosure has been submitted to me as to where this information originated from. 
I respectfully request that since the credit reporting agency in question has failed to live up to the high standards of the Fair Credit Reporting Act, that this bankruptcy listed be deleted permanently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with PAYPAL HOLDINGS INC. (IL).
Issue: Arbitration

Complaint: I filed a dispute with PayPal on XXXX/XXXX/2016, which Paypal closed on XXXX/XXXX/2016 without communicating with me or investigating on my behalf the fact that a seller with Paypal defrauded me out of {$2600.00}. Per Paypal Dispute Resolution policy, I filed a request for Arbitration on XXXX XXXX, 2016, and I sent it by Certified Mail per Paypal policy, and I have the mailing receipt. Paypal has not responded to my request for arbitration and has ignored my repeated requests to have this matter presented to arbitration, despite Paypals 's policy regarding the consumer 's right to arbitration. Most recently, Paypal continues to claim, in written correspondence to me, that they have not received my request for arbitration, even though I have a certified mailing receipt that XXXX was mailed to the PayPal/Bill me Later, XXXX. XXXX, XXXX XXXX, CA, Litigation Dept. address. 
Please assist in this matter as Paypal is not following it 's own policy regarding the consumer 's right to request arbitration and their advertised consumer protection policies regarding Paypal 's Consumer Purchase Protection Agreement.

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. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This complaint is regarding the Equifax security breach, wherein my information ( along with XXXX XXXX others ) was compromised in a cyberattack from XXXX through XXXX XXXX. The affected user accounts were not informed until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We filed a complaint last year with you about our mortgage company Nationstar Mortgage LLC, reference ( Case number : XXXX ). It appeared that the problem was finally fixed in the " resolution letter '' that we received on XXXX. However our statement that came on XXXX, after we had made XXXX payments toward escrow had gone up. The correct escrow balance should have shown - {$2400.00}, but the balance on the XXXX statement was - {$4000.00}!?!?!?! We are not sure how, after making payments to fix the negative escrow balance, that the amount jumped up so high. We have been on the phone and emailing constantly with Nationstar to try and get this issue fixed with no luck. We never talk to the same person twice and were told by XXXX different people that our account would go back into research to be fixed, to find out they never submitted anything. The 3rd time we tried to get it back into research the request was finally submitted, but the number the research department came back with was still way to high???

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I feel that the payments are not being applied properly. I have a statement from XXXX showing the principal and the interest that I will be paying over the course of the loan. 
I still have XXXX years balance to pay but I have paid more interest than my letter states. 
I pay on this loan each month. This loan was for our son 's education. We had all the loans combined when he completed school. He later went back to school to further his education. Navient stated that this was deferred because he went back to school and had new loans. This loan that I am paying for is in his name therefore it was placed in deferred status. I explained that payments have been made each month as we agreed and is not deferred. I would like someone to look into this matter. I know I still have a balance and we plan to pay the balance of this loan this year. He attended XXXX and XXXX in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX recent review of my XXXX, and XXXX credit reports alerted me of a collection account that had already been resolved. On XXXX/XXXX/XXXX, it appears that Commonwealth Financial Systems re-reported the service from XXXX XXXX XXXX for the date of service XXXX/XXXX/XXXX in the amount of {$430.00} to all XXXX bureaus. In XXXX, I dealt with XXXX ( which bounced me around internally ) which was reporting at that time. I have attached information regarding where the payment was mailed. Unfortunately, more detailed specifics can not be generated from my prepaid account due to the age of the payment. Sometime last year XXXX XXXX XXXX, I was contacted again about it. When I advised that it was already paid, the conversation did not devolve into an argument and I thought records were finally updated and closed. Now this. 

Any record of this account needs to be re-deleted from all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Fraud or scam

Complaint: A few months ago I purchased some In-Game items on a server that I played on for in game items. and just recently the game has been taken down and all of my items have been lost. and I am overall requesting for a refund to my paypal account by the owner of this game.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (Other mortgage) with FRANKLIN LOAN CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX XXXX California and Franklin Loans continue to violate the law with shared marketing agreements in violation of respa. they continuance to steer borrowers to pefered lender in exchange for compensation, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion , LLC reported to me in a letter of XXXX XXXX, XX/XX/2015 that they responded to an an " Employment Disclosure Report '' request from XXXX for a job position I applied to. They reported as a Public Record Information that a XXXX was entered against me XXXX in a XXXX Court ( does n't say where or what State ) under Docket # : XXXX by XXXX in the amount of $ XXXXThis information is totally incorrect and false. 
I have never been sued or had a judgment against me. This is someone else 's information. I will state if " their incorrectly reported information '' costs me this job opportunity, I will be suing TransUnion , LLC myself in a XXXX Court of law for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I am filing this complaint because  XXXX , an  American Express  card, wo n't dispute anything, no matter how egregiously fraudulent.     My cell phone is also a hotspot. I have bought so much data which gets you around the Internet, because when it slows down or stops your data is gone. My  XXXX  is  XXXX   XXXX .      XXXX   XXXX  has given me some data back for free, but it 's still slow. It 's supposed to move at the level of  XXXX   XXXX , but it does n't.     The tablet I was using never sped up. An in an instant my data was eaten up as  XXXX   XXXX  told me but I never really went anywhere, because it stopped or slowed to a crawl.     I called  XXXX  and told them what happened, and this stupid representative said it 's my fault because I gave them my card number!!! Is n't this the dumbest thing you ever heard.     I want this disputed because I never got what I paid for. These are the amounts and dates.       XXXX   XXXX   -  XXXX  -    XXXX   -   XXXX   -   XXXX   -  XXXX . -   XXXX    Now for  XXXX . They are charging me but say because I have a   XXXX   device,   XXXX   is the one charging me ; I access   XXXX   through  XXXX . However,   XXXX   says it 's not them.      I do n't know who is charging me or how they got my number. I do n't have   XXXX  . I wanted to dispute the below figures and  XXXX , once again, said no! They wo n't even disputes fraudulent ATM charges.     They are breaking the law. By the law they are supposed to dispute all fraudulent activities : I want to dispute the charges below also.       XXXX  : -  XXXX  -   XX/XX/XXXX   -   XXXX   -   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Tried to dispute through credit bureaus and collection agency, illegally said debt was verified. Originally removed from  XXXX  credit report on  XX/XX/2017    then added back on  XX/XX/2017   . This action was a violation via FDCPA and FCRA for not giving me a  5 bu siness day notice that it will be reinserted on my credit report. This action damaged my reputation and credit score/report. Collection agency has failed to provide me with original documentation from original creditor with my wet ink signature. Copies of copies does not validate proof of debt owed. Original documents without my wet ink signature does not validate proof of debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I mailed out to Experian to add my Release of Lien via Document number XXXX  by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in 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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have requested, via certified mail, that Experian and XXXX remove all old address from my credit report. There are up to nine ( 9 ) addresses that are being reported that are untrue. My correct and only address is XXXX XXXX XXXX XXXX XXXX FL XXXX.Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not re-portable as per the FCRA, since they are inaccurate.

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 09-02-2017 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I 've called Flagstar Banks home office several times & they will not change the report. They forclosed on my home in Michigan, since that time I 've been working on my credit. I have a good score to get another home. PROBLEM is now they are still say'ing I owe them for the home, even though your office is sending money from them. My closing date is in 20 days. What can I do?? 
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 11/18/2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone logged on to one of my credit card accounts as me, changed the mailing address, added himself as a user and turned off fraud alerts. No charges were made but Synchrony bank handled it horribly. Not only did they not check with me first -- despite the fact that I have never lived or had dealings with anyone in the state he claimed to live in -- but after I closed the account they sent a new card TO HIM. I later canceled the card entirely and also another card the bank owns. I called to double check and one card was still open. They are awful.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX account on my credit report with XXXX that is not mine I 'm not an authorized person and nothing like that but it is appearing on my credit like they are mine so please take them off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2015 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Credit line increase/decrease

Complaint: I had opened a JCPenny credit account with the intent to rarely use it and help build my credit. My understanding was that one part of building good credit was by having available ( unused ) credit. After a period of time ( 1 or 2 years ), I received a notice that Synchrony Bank ( the JCPenny card backer ) was closing my account due to inactivity. My loss of available credit caused by credit score to go down. In addition to that I received notice from Synchrony bank that my Amazon Card limit was being reduced. I found out that Synchrony Bank actively pulls credit scores of it 's current clients, without making it clear that they will be doing this ( I 'm guessing it is buried deep in Synchrony 's legal gibberish ). If they feel a clients score no longer meets their criteria, they automatically reduce or close the clients account, regardless of the status of the account.

Company response to consumer: Closed with explanation