milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Rewards

Complaint: I signed up through an XXXX and Americanexpress.com website advertised promotion. XXXX XXXX Frequent Flyer Milers Bonus after XXXX USD in spending within 3 months. 

After completing the offer within the 3 months, I was only provided XXXX Frequent Flyer Miles. This offer has been running for the most part of the year including the time I signed up of which I was referred directly from XXXX website for the promotion. 

I tried to settle the issue with American Express. American Express is telling me they did not offer that bonus at the time, when there are numerous websites archives documenting at the time period I signed up that they were indeed offering that promotion. I also have a copy of the form I filled out which shows the terms and conditions of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Advertising and marketing

Complaint: CapitalOne offers a significant bonus on its Venture card if new sign-ups spend a certain amount within 90 days. The 90 days starts the day the card is approved online. But since it takes 7-10 days for the card to be received in the mail, we really only have 80 days to activate it & start making purchases. CapitalOne makes a big deal about having 90 days, which is nothing less than false advertising to get sign-ups. Please stop them from continuing this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with Niagara Credit Solutions, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted about this debt back around XXXX. I stated then that I was n't aware of this debt and requested information that was never received. It is now 7 to 9 years later ( beyond collections statues ) and I 'm being harassed again via phone calls and mailed letters for money in the amount of XXXX for a debt with XXXX XXXX XXXX and XXXX XXXX, XXXX. The letter states the principle balance is XXXX and XXXX XXXX of XXXX 

Please provide documentation as well as check the FDC status.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with VALLEY NATIONAL BANCORP (AR).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX at XXXX and XXXX my ATM debit card was used at an ATM located at : XXXX XXXX XXXX XXXX XXXX TX , twice in a row to withdraw XXXX each transaction at this time I was at work at XXXX , Ar XXXX from XXXX CST a XXXX hour and XXXX XXXX XXXX or XXXX hour flight from the location of the transactions my card was in my possession and I have not shared my pin with anyone I have attempted to contact my bank multiple times and been told I must come into a branch to make a dispute I have thoroughly explained I do not live within XXXX miles of a branch and can not come into a branch I have offered to have the forms emailed or faxed to me so that I can complete them I have filed a police report and my bank is just telling me " too bad because it is not their policy to email or fax the forms regardless of where I live '' I have exhausted all other means of resolving this so I am just making a complaint at this point to hope you guys can help me to get my bank to listen and assist me with these fraudulent charges. The police report number for XXXX XXXX is : XXXX taken by XXXX XXXX over the phone the same day of the transaction if you would please reference my attached screenshot of the transaction as well as my time sheet showing I was there.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/25/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Problems when you are unable to pay

Complaint: Co-signed for someone on a vehicle that was repossessed without my knowledge. I was unaware the car was behind on payments prior to the repossession or I would have taken over the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with SYNCHRONY FINANCIAL (NH).
Issue: Closing/Cancelling account

Complaint: I have sams club master card.I have XXXX stores and all seperate sams club master card.Every week we buy from sams club and pay off.I have {$15000.00} credit limit and every week I buy more than {$12000.00} cigarettes and grocery for my store. Synchrony bank said every week you are paying is unusual payment activity and they close my all three account and he fortified my more than {$7000.00} rewards, I called couple of time he said open new account, I said I dont want to open new account because may be you close account again and you fortified my rewards, I told sams club manager XXXX, XXXX and he tried to open my account but Synchrony bank said no more rewards, so If they closing my account I have no problems but I need my rewards back because it is allmost {$7000.00}

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 explanation
Consumer complaint received 07/14/2017 about Debt collection (Credit card debt) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company keeps calling me on my cell phone. I keep telling to stop calling my cell but they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: Paypal Credit is requesting a high minimum payment, well over XXXX, I do not have exact amount available to me. They refuse to lower amount, will not work it out. They claim they have offered a payment arrangement but have not received any such offer. Even so, an arrangement does not lower the payment amount due, rather sets up future payments, does not waive any fees related to over limit/past due balance. Calls have been made, which they conveniently have no record of, to lower payment amount. The calls is transfered to collections who are more interested in just getting any kind of payment rather than lowering amount due. Its a shame they are not more cooperative as they will need to lower payment amount due if they wish to see any kind of payment at all. I understand they have referred account to a collection agency, this also applies to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account was opened in XXXX of 2008. In XXXX of 2008, I was XXXX years of age, unable to legally sign any contract, or incur any debt. I have repeatedly asked XXXX, as well as their Collection Agency, " LVNV Funding, AKA Resurgent Capital Services '' to delete this file, and report the deletion the the Credit Reporting Agencies and they refuse to delete the negative information. This is negatively affecting my credit, as well as potential employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MS).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016, USAA bank restricted my access to my bank accounts. The bank subsequently closed my accounts. Over the course of the past 5 months I have spoken with the bank over 29 phone calls. 

The bank has approximately {$13000.00} of my money. The bank has repetedly refused to return my money to me. They have held it from me for 5 months. Further, since the bank restricted my access to my accounts, they have not provided me monthly account statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 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: Information is missing that should be on the report

Complaint: I have contacted Experian and XXXX XXXX several times about missing information and inaccurate credit reporting. I have 3 credit cards - XXXX XXXX, XXXX XXXX, XXXX XXXX. These credit cards are not being reported on my credit reports. The credit cards that are being reported, the balance is incorrect. Each credit card has an estimate balance of {$500.00} each. XXXX XXXX is reporting {$2000.00} balance on each. I want all three credit cards to be reported to all three credit bureaus- Experian , XXXX and XXXX immediately and the correct balance owed. This unfair reporting is delaying me from receiving the loans and proper interest rate that I deserve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Credit card) with P&B Capital Group, LLC (NE).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Got XXXX calls on my home phone from phone # XXXX at XXXX and XXXX on XXXX/XXXX/2016, Caller ID said only XXXX, NY. Immediately after, I got a phone call with a voice mail on my cell phone threatening me with a lawsuit in my county if I do n't immediately take care of this. I have received nothing in writing, no validation of debt, and this is far beyond the five year Statute of Limitations even if it is a debt I may owe. In fact, this debt does not show on my credit report, so I do not believe it exists. 

The number is a Voip number with no legitimacy, so this is more than likely a junk debt collector that has bought information from somewhere.

Company response to consumer: Untimely response
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I think 90 days is a more than reasonable amount of time for the credit bureaus to do there research to determine that accounts are not valid. I have XXXX accounts XXXX of them are collections that have been merged to my file. Like I said I have waited 90 days and I hoping you can assist me before I take legal action. 
Please aid me in having the XXXX accounts below removed from my profile- so far I have never received a response from Experian 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 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. On XX/XX/XXXX, I spoke with a supervisor at XXXX, XXXX # XXXX, who confirmed the dispute and documents had been received. He then went on to state the account with XXXX was reporting accurately with a blank balance. I informed XXXX the balance is blank however it should reflect a ' {$0.00} ' balance as it does with Transunion and XXXX. The date reported on the credit reports indicates 'XX/XX/XXXX ' which three years post-bankruptcy discharge. There should be no activity reported on this account after by bankruptcy filing date of XX/XX/XXXX. The XXXX XXXX account also reflects a blank balance however should reflect ' {$0.00} '. XXXX stated he was unable to see this account on my credit. I informed XXXX I can see the account on my credit report as well as my lender can see the account on their end as well. XXXX informed me they are unable to dispute this account as they are not able to view it. XXXX continued to be very dismissive of these requests. This inaccurate reporting is hindering my loan approval process. 

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. Transunion 's credit report indicates last payment date of 'XX/XX/XXXX ' which is three years after my bankruptcy discharge.There should be no activity reported on this account after my bankruptcy filing date of 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 explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan is managed by Navient. My monthly payment is {$300.00}. I normally pay over the monthly payment to help pay down my principal. This decision was based on my conversation with customer service of my loan institute. 
I called Navient on XXXX/XXXX/17 after reviewing my payment history. It appears that my excess payment is being applied to interest not the principal. The customer service lady stated that the extra was paid to interest. 
All my extra payment of the {$300.00} should be applied to principal not interest since the interest is based on the principal balance each month.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: agency has accepted settlement and refuse to show the credit reporting changes to my credit : Procollect XXXX, TX XXXX Violating the F.A.C.T Act. they are reporting delinquency of the account in which they have accepted funds. 

They have repeatly change my last date of activity to change when this item is to be removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Received letter out of the blue. Years ago, advise not to pay XXXX XXXX. Now, at least 20 years later, a letter. Need advise Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Service International Corp (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I found out i am being sued in small claims so i call there lawyer to find out about it and he some how has to have the one colling the debt call me back so tells me he is just filling claims in hope of a default

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NH).
Issue: Struggling to pay mortgage

Complaint: My dad has a mortgage with Wells Fargo -- - he has been working with them to get a mortgage loan modification -- - on XX/XX/XXXX he had a XXXX XXXX and was sent to a XXXX hospital. On XX/XX/XXXX we were asked to fax documents to Wells Fargo to help with the loan modification -- - I faxed for him the application, the proof of income and the lease and the hardship letters. He has owned this house since XX/XX/XXXX. I asked if they needed medical documents and they said no. Today, he is in XXXX Hospital in the XXXX -- - I am trying to stop the auction for XX/XX/XXXX. I was being assisted by XXXX XXXX and XXXX XXXX and prior to that by XXXX XXXX. I am his daughter and am authorized to speak to you on the Wells Fargo Mortgage. His name is XXXX XXXX XXXX born XX/XX/XXXX. We are willing to work with them. The property is located at XXXX XXXX XXXX XXXX MA Thanks XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: In    XX/XX/XXXX  we purch ased a home on  XXXX  Ohio from the owner for {$48000.00} we made payments for over 5 years until    XX/XX/XXXX . Whe n I  contacted the mortgage company the concern was the extra {$2200.00} they where attempting to collect. I was informed it was for home owners insurance I informed the company we had outside insurance with  XXXX   XXXX  whom I had send them the declaration I was told it was never received so I ask them to send it again. I informed the company I was not paying for their insurance. Then I requested a statement of payments for the past year. To find most of the payments was going to interest and insurance. I again contacted the company informed them of the problem stating I will not pay anymore until the matter is fixed. In   XX/XX/XXXX  we where informed due to non payment they where filing foreclosure. We moved out  XX/XX/XXXX  informing the company we will not pay. In  XX/XX/XXXX  as I was denied for employment I researched the issue to find that I had a nuisance warrant for my arrest f or the property. I contact the city to be informed the title had been released and it was in our name. Because we had it lived in the state for over a year we did not wish to return. We then was informed by another company that we owe them {$48000.00} for the property. So we ow e  XXXX  c ompany we have no idea who they are and we own a home we no longer wish to have.   XX/XX/XXXX  t he city of  XXXX  took possession of the property for none payment of property taxes. So now we do n't own the home and we still owe this other company {$48000.00} plus interest to where they state we owe {$62000.00}. No one can answer my questions o what happened to the 5 years of escrow paying {$420.00} a month with {$5000.00} down that makes it over {$30000.00} that we have no idea what happen to it nor where any payments went for this home. So my complaint is that they not only took our money they are asking for more. Now based on my memory  in  XX/XX/XXXX to  XX/XX/XXXX  t he lenders name changed like  4 diffe rent times without notice to find out it was the same company just changing their name.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Debt collection (I do not know) with Midwest Recovery Systems (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I checked my cred it report and it now shows a debt from a collection company I have no knowledge of this debt that is in the amount of {$350.00}. The original creditor was XXXX and it is indicating that the the debt was made in XX/XX/2015???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-05-2016 about Debt collection (Medical) with Road Runner Collection Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX from Road Runner Collection Agency in XXXX called Saturday, yelling and ranting about what I better do to pay a late payment to XXXX XXXX XXXX XXXX she was rude unprofessional and trying to threaten me regarding the payment and after her yelling and acting like a XXXX Year old throwing a tantrum she hangs up in my face regardless of my being late on the payment is will not be talk to in a disrespectful manner!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Prepaid card (General purpose card) with U.S. BANCORP (IL).
Issue: Fraud or scam

Complaint: XXXX gift card has always been in my possession. I tried to use it and found it had been hacked. Someone had registered the card and used it for XXXX online purchases. 

I have the receipt and card. Called the number for US Bank National Association and have been given different stories each time. 

The first representative could see the card number was tried for a {$1.00} charge before even being activated. She took all of my info and gave me instructions on filing a fraud dispute. She gave me this fax number XXXX - which repeated attempts over many hours failed to deliver. 

I called back and this time was told that instead I needed to file a lost/replacement card request due to the card being registered in the hacker 's name. This does n't make any sense to me. I have the card! I was given different instructions on what to fax and to send it to XXXX. Still wo n't go through. 

I was also told I would be given a replacement card at a charge of {$5.00} - the new card would have a value of the remaining {$7.00} instead of the original {$200.00} is all that would be put on the replacement card. Then I would need to file a dispute to get the remaining original value put on this replacement card. This makes absolutely no sense. 

I have attached a scan of the information requested from me by US Bank.

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