milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Amex platinum delta credit card has a refer a friend program where if you refer someone and they get approved, you are entitled to receive XXXX bonus miles. Back in the first week of XX/XX/XXXX (  Amex has the exact date ) i referred my wife by sending her the link provided from americanexpress.com in the email. She clicked on the link and applied for the card, she was approved right away. Couple of days went by and i did not see the referral miles show up in my account. I called Amex and they said it takes about 6 to 8 weeks. I called multiple times after a few weeks and then was told the same story. After a while, i decided to open up a complaint with Amex about this issue and escalate it. They opened the complaint ( Amex has the exact date ). Ever since then i have been calling Amex and they are saying that they are still reviewing, It has been since XX/XX/XXXX that i have been calling Amex and they have not issued what i am entitled for. To everyone who is reading this, i have been a member of Amex since XX/XX/XXXX and i urge you to stop your business with Amex as at this point they are in the very shady business. I have immediately stopped using all my AMEX cards and my wife has also stopped using her card.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am reaching out to you because I can not afford to take legal action. I 'm hoping that you can help me resolve this matter that is in foreclosure status as I 'm a new father. I do n't want my family to lose our home. I have been faithfully paying our mortgage on time ever since we received our second chance which is a Loan modification approval on XXXX XXXX, XXXX from our original mortgage lender/servicer, XXXX XXXX XXXX. I completed my Making Home Affordable loan modification with XXXX XXXX XXXX on XXXX XXXX stating that my loan modification is now a permanent loan modification. I have sent my payment on time and have complied with all the terms of my permanent loan modification with XXXX XXXX XXXX, which is a fixed interest rate of 2 % and a payment of {$3200.00}. Then on XXXX XXXX, my account was sold or transferred to Nationstar. By law, All of my terms agreed upon with XXXX XXXX XXXX were supposed to remain the same after the transfer to Nationstar but Nationstar has changed my payment schedules and has put me on a foreclosure status because I continued to send them the same amount of {$3200.00} as per the fixed rate permanent loan modification agreed upon with XXXX XXXX XXXX. I do n't know what else to do but to file a complaint under your office and hope that I can get a resolution to the situation I am currently facing. All I want to do is for Nationstar to honor the permanent loan modification that I agreed upon with XXXX XXXX XXXX. Your response is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Loan modification,collection,foreclosure

Complaint: Unemployed XXXX/XXXX/15. Contacted Wells Fargo. Worked with XXXX XXXX and started a program for modification while unemployed. XXXX was promoted. XXXX XXXX was assigned as my " contact '' as my Home Preservation Specialist. Late XXXX I received a packet that I filled out with XXXX, dated XXXX, and to be completed by early XXXX. I called and XXXX said it was to continue beyond XXXX XXXX. Told to hang on to it and send it in later. But I need to follow written instructions when dealing with a mortgage. Early XXXX, XXXX voicemail said out but never changed for over two weeks. I left XXXX urgent messages, but no one followed up. I was put in contact with her supervisor XXXX XXXX. She said XXXX had been there every day and not sure why no update to voicemail since XXXX XXXX and no return calls. She scheduled a call. XXXX called at scheduled time. Told me that the XXXX packet was now outdated and I had to fill it out AGAIN!. I did and emailed it to her. A week later, XXXX calls XXXX minutes after the scheduled time ( I thought she had forgotten ) telling me she has XXXX pay stub ( yet both are on the same email ) and nothing else, clearly a lie. The emails from XXXX states she never received any documents. I emailed AGAIN ( forwarding the prior weeks emails ) and cc 'd her supv. Suddenly XXXX acknowledges and then a list of new requirements. I complied and emailed back. I have had no further communication from my " contact '' or her supervisor after several messages have been left and emails requesting follow up. I received a call from a XXXX XXXX to call XXXX XXXX. I have left several messages, and no return calls. Yesterday I was returning from an interview in XXXX ( a XXXX XXXX XXXX through mountains and long terrain ), I told " XXXX '' ( no last name??? ) that I could n't talk when driving XXXX. Please send me an email so I have his name and phone number contact and I would call him tomorrow. Still no email. I have no idea who XXXX is or how to contact him. The communication is absent and the follow through is severely lacking. I need XXXX person who understands how to call back, change their voicemail, check their email for necessary documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (MD).
Issue: Account opening, closing, or management

Complaint: I paid off a mortgage with Fifth Third Bank, XXXX, Ohio. 

They received the payoff on XX/XX/2016. There is additional funds due me thru Escrow and Principal. Called the company to find out why this money has not been forwarded to me and I get some excuse of waiting 10 work days before they can send out the money due me. This is my money not the bank I expect this money to be refunded to me asap and now with interest. They charged me interest on their money and now I am charging them interest on my money. Why are banks allowed to get away with keeping other people 's money. If it was there money, the bank would want it that day.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have never taken out this XXXX XXXX account this is fraud remove this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Trouble during payment process

Complaint: My mortgage was sold from  XXXX  to Carrington, they are adding a fee of {$560.00} to my payment, I contacted  Carrington  who said this fee was moved over from  XXXX , I contacted  XXXX  who said this was a mistake and they removed it which I have communicated with Carrington. Carrington is still asking me to pay this fee and would not contact  XXXX  to confirm that this was a mistake from their said and that it has been corrected.  XXXX  will not give me a letter verifying this mistake correction. Now I am stuck between these 2 companies to pay {$560.00} that I do not owe. My mortgage has always been on automatic payment since day 1. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I filed for bankruptcy XXXX 2012 and my attorney requested reaffirmation papers for my home and Bank of America did not respond. My home was excluded from the bankruptcy due to owing more than the house was worth. The credit bureaus report that my mortgage and equity loans were discharged and closed. I have paid my monthly payments through the bankruptcy and are up to date. I have tried to get Bank of America to reflect this to the credit reporting agencies, to no avail. I am requesting your assistance in correcting this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A XXXX agent represented a monthly service amount of {$34.00} on XXXX. After installation on XXXX, they started billing more than the agreed price. I paid the contract sum in XXXX, XXXX, XXXX and XXXX, but no overages. After many requests to fix the bills, XXXX XXXX failed. Since they breached the contract, not me, service was discontinued in XXXX XXXX, and they were not entitled to early cancellation fees. XXXX and their agents nevertheless started sending collection letters on XXXX. Fully aware of the dispute, XXXX XXXX tried to take {$270.00} using my credit card on XXXX, without my consent, or a Judgment. Their attempted theft was reversed. Over the years, XXXX agents, XXXX XXXX ( XXXX ), Financial Asset Mgt. Systems ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and Convergent ( XXXX ) all sent harassing letters. The latest Convergent letter arrived XXXX. XXXX and its agents know the 6-year breach of contract statute of limitations ran in XXXX XXXX. Collection efforts are now clearly illegal and frivolous, as they have no basis in law. Monetary relief is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Hello I have been holding litecoins in a wallet Litecoin-QT on my XXXX since XX/XX/XXXX. Since the wallet is now out of date I decided to move my coins over to Coinbase. 

On the XX/XX/XXXX I moved 30 coins - I transferred 1 to start with and then followed with the other 29. 

I can see the coins in Coinbase but they show as pending.

I have emailed Coinbase on numerous occasions but have been ignored. Having looked on the internet tonight a lot of people are advising to contact CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit sued me in XXXX County for debt my nephew, XXXX XXXX, defaulted on a credit card. I was not a cosigner on this account. This occurred in XXXX County Superior Court and XXXX XXXX Justice Court. I found this out because I am selling my home. Midland sued me in XXXX XXXX Justice Court and XXXX County Superior Court for the amount my nephew owes. Midland did this because I signed and beneficiary deed giving my home to my nephew after I die. That deed has been revoked. Midland had no right to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Charged fees or interest I didn't expect

Complaint: the company added interest illegally and is still refusing to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I filed for a discharge with XXXX once I terminated my classes due to the fact that I was not employable in the XXXX field due to my XXXX and XXXX XXXX. Once I was told I would not qualify for any employment I immediately resigned from my classes @ XXXX University. XXXX XXXX told me I needed to file a discharge based on failure to benefit when I did they refused my application and wanted me to put a different school, aa school I never attended. Then I was told to file a discharge based on school closure. Because I attended XXXX and it changed to XXXX. And personally I would have never attended XXXX College and was not attending an XXXX College due to the fact their diplomas and certificates were not vaild any where. After I filed, XXXX XXXX refused to accept my discharges kept telling me the school info was not correct and I explained to them I never attended XXXX, That was not the name of the school I signed a contract with and I never stepped foot in the doors of the school once the name had changed to XXXX. Also I noticed that XX/XX/XXXX it stated I went to school again, I did not apply to go to school nor did I sign up for school or attend school XX/XX/XXXX. I moved to XXXX XX/XX/XXXX I have tried disputing this charge for long time Navient and XXXX XXXX keep claiming that it is mine nd I told them I NEVER went to school or attended classes XX/XX/XXXX. I have also conteacted The Dept Of Education Obudsman and did n't receive any help there. So now I am being informed that years ago I should have been offered the repayment plan based on my income, and I was never once offered that plan. they just kept sending me to forbearance and deferment, after telling them I was on SSI and had no other income due to my XXXX, If the law was based that I was eligible for the student loan repayment and then forgiveness based on ability to pay I would n't even have these loans. So now my loans are inflated with ridiculous interest charges, I cant get no credit due to my debt to income ration because of my student loans. Then I found out they took it upon their selves to consolidate loans. and when I asked for a promissory note they could n't provide one from XX/XX/XXXX when I applied for school at XXXX. But instead they sent me something from XX/XX/XXXX that I never seen. So I am looking for help to either discharge my loans, get into the payment plan based on income, and get rid of all those interest charges, I am willing to negotiate based on the original amount before I was blind sighted by highway robbery and thievery from XXXX XXXX and Navient. XXXX XXXX XXXX University ( XXXX Colleges ) for Online classes thru XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In or around XXXX 2014 I was notified that my personal information may have been used to open fraudulent accounts. Pursuant to law I made a law enforcement report and upon their findings of fraud I forwarded the bureaus copies of the law enforcement reports and supplamentals which were provided to me. On many separate occasions and attempts I was informed by Equifax that they would not recognize my law enforcement reports and they outlined that they looked into my claim and that the original creditor indicated the accounts were valid despite law enforcement 's reports outlining different findings. Over the last XXXX months I also obtained letters from the original sources XXXX Bank and XXXX XXXX that the accounts had been identified as fraud. At this time despite all these supporting documents Equifax still refuses to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Private student loan debt) with Capital Management Services, LP (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX XXXX has been reporting loans past the statute of limitation to my credit bureaus. They had sold some loans XXXX and XXXX to Capital management services LP that has been harassing me and contacting me for repayment. XXXX XXXX is no longer reporting those loans because of their erroneous error they had to remove them. Capital management has not removed said loans and continues to contact me for repayment of erroneous loans. <P/>XXXX XXXX also has the first date of delinquency for loans XXXX and XXXX listed as XX/XX/XXXX which they said would remain on my credit for a period up to 7.5 years. florida statue where I reside and where the loans were originally taken out states : The FDCPA prohibits collectors from taking action to collect a debt that they can not legally take. In many states, filing a lawsuit beyond the statute of limitations is a fundamental illegality. If they have taken this step, you have rights to pursue under the FDCPA. CAPITAL MANAGEMENT IS ATTEMPTING THIS. Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11.
Floridas statute of limitations varies for different types of debts. For written contracts such as personal loans, the statute of limitations is five years. So once this type of debt is more than five years past due, the lender can no longer sue in order to collect owed money. THIS DEPT IS TO BE REMOVED FROM MY CREDIT IT IS 2 YEARS PAST THE FIRST DATE OF DELIQUENCY THEY ARE REPORTING ON LOANS XXXX AND XXXX AND PAST THE DATE OF LOAN XXXX THEY SOLD TO XXXX XXXX XX/XX/XXXX THAT THEY CHARGED OFF IN XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (Credit card) with Federated Law Group (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have fallen on real hard times after my parents passed away and was not able to pay on a credit card. Well now without notice I received a Judgement against me were it states that they will or can garnish my wages. After I make all my monthly payments I am left with maybe {$30.00} to {$35.00} a month, I also get my food from a Food Bank. I e-mailed them and said that I could pay them {$20.00} a month but not more and their answer was they they rejected my offer. What can I do, if they garnish my wages I will loose everything. I ca n't afford an Attorney and this is really giving me XXXX XXXX XXXX. I will attache documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10/20/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (AK).
Issue: Struggling to pay mortgage

Complaint: We obtained a loan with Wells Fargo Financial and have been trying for 6 years to refinance to a lower rate that would cut out mortgage payment in half. Wells Fargo Financial recorded an illegal deed against our home and we have had title issues and have not been able to complete there refinance. We first applied for a refinanced in XXXX. After paying {$1600.00} for an appraisal, eventually true appraisal expired and we could not pay for another one. We tried again in XXXX to refinance to prepare for retirement and the same thing happened. Because of the illegal deed, again we were unable to complete the transaction. We have lost out on thousands of dollars on the appraisal fees and interest paid on the loan.

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 03/22/2017 about Debt collection (Credit card) with Hunt & Henriques (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My judgement was satisfied, XX/XX/XXXX with Hunt and Henriques. 
According to the XXXX : H & H failed to : Release Document, Put County Name on Doc, Record Abstract, Record Instrument # On Doc, Failed To Report A Lien On Property ( Still There ). I sent original to XXXX XX/XX/XXXX who upon receipt told me, " Doc was never released, lien is active, Doc was prepared incorrectly and Recorder had to it return to Hunt and Henriques. '' ( I thought H & H had taken care of this over a year ago. ) To date, H & H has failed to return calls to recorders office or return the corrected and updated Satisfaction of Judgement. This has damaged my credit, and reputation ( XXXX shows my judgement as active on line ), XXXX just corrected XXXX over a year after I paid, and takes no responsibility for the Collectors ' actions, and the property shows an active lien. The property is unable to be sold with the lien.

Company response to consumer: Closed
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XX/XX/XXXX sent a letter to Equifax disputing a bankruptcy that is listed in my credit file requesting validation that it belongs to me. 
XX/XX/XXXX received a letter from Equifax stating that they " verified '' that the bankruptcy belongs to me but did not provide proof used to validate that it belonged to me. 
XX/XX/XXXX sent a letter to the US Bankruptcy Court requesting confirmation of what their procedure is for verifying records to credit reporting agencies. 
XX/XX/XXXX received letter from the the US Bankruptcy Court stating that the Clerk 's Office does not report information to credit agencies. 
Equifax found this information on third party research and did not get the information they are reporting from the courts as they do not verify information. Therefore the bankruptcy must be removed.

Company response to consumer: Closed with explanation