milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt has passed the statue of limitations for this company to attempt to try and collect and/or report the account to the credit bureau 's. I have now received more harassing mail attempting to collect on a debt I do not owe, and threatening to report it after its already been removed from the credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: With XXXX XXXX XXXX XXXX preferred  Card.

I opened my account on XX/XX/XXXX. I was seeing 2 offers at that time, first one is {$150.00} back when spending XXXX  first 3 months, the other one is {$250.00} back when spending XXXX  first 3 months. Apparently I clicked on the wrong link, even though I thought I saw {$250.00}, but then they told me " no, it was XXXX  offer I saw. '' I had screenshot the offer from XX/XX/XXXX. Please see the attachment image from XX/XX/XXXX. 
Then no long after I applied, they changed to XXXX  back with first year fee {$95.00} waived, XXXX, it is very close to the offer I initially saw. I called the customer service again to ask if they could waive my XXXX  fee instead, since it is the offer now. Both the customer Rep and her supervisor told me there was no way the fee would be waived.

My boyfriend heard the story, he felt bad, since he was the one who referred me to open the account ( which he should have gotten his referee fee, they could n't credit him either, because I clicked on the wrong link ). My boyfriend called in from his account and phone number, we gave the Customer Rep authorization to look into my account, she said she talked to her supervisor and was able to credit me the {$95.00} intro fee in 2-7 days. That was on XX/XX/XXXX.

9 days passed, I did n't see any credit amount on my statement, I called in again. Same thing, the lady told me she talked to her supervisor, there was no way to credit me the intro fee {$95.00}. My boyfriend got annoyed, he called in again. So it turned out they credited him the {$95.00} intro fee because he 's been with Amex for a while. How ironic!!!

However, as first time female customer, I was not able to get fee waived at all because I clicked the wrong link. First of all, why would they show 2 different offers at the same day same exact time, just because I clicked the wrong link, I did n't get XXXX offer. Then Why was my boyfriend got intro fee waived after being a long term customer, and I was not. He called in on my behalf anyways, ironically Amex waived him the fee.

So he ended up telling the customer Rep to transfer {$95.00} from his account to mine since he felt bad what happened to me. The unfair treatment to Amex customers! I felt ashamed by how Amex handled my situations.

I have contacted Amex through chat, phone twitter multiple times ( at least 8 times ), I could n't get any credit or fees waived. My boyfriend called in once- got his intro fee waived even he was calling on my behalf, oddly enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, on XX/XX/2017 and XX/XX/2017 XXXX of XXXX XXXX FL XXXX reported the same Collection account on my Credit report. This is malicious intent to ruin my life to report the same account within two weeks of each other dropping my credit score. There is a open dispute with the first account as I feel it is fraud and to come back within two week and add the same Collections account definitely has to be fraud. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My son defaulted on his XXXX. I am not exactly sure how many payments he missed. I called Chase, trying to make this right, however they are NOT willing to work with us. Our only options were to either give them {$11000.00} as a lump sum before the end of XXXX OR we can make payments for XXXX months on the total owed which is approximately {$18000.00}. 
I spoke with XXXX different XXXX there. The XXXX XXXX I spoke to said we had to pay {$400.00} a month ( which I thought was going to be until loan was paid off ) when I called back for more information, I was told we could only make payments for XXXX months. We are unable to pay either {$11000.00} now OR {$18000.00} in the next XXXX months. 
My son is in XXXX and is not working, and we do not have the money to pay it off for him. 
I understand now that a XXXX was NOT a good plan. They refuse to rehabilitate the loan and also refuse payments until this loan is paid off. 
On more than XXXX occasion both XXXX mentioned it was on his credit report and until we paid in full, it would stay. 
Their unwillingness to work with us in order to get this taken care of is just not understandable. I know XXXX other lenders will rehab the loan after XXXX payments have been made in time. Why are they not willing to do this and get full amount of loan back?

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IA).
Issue: Credit decision / Underwriting

Complaint: Pnc just purchased our mortgage from XXXX XXXX in XXXX XXXX. Every ince we started this loan I have always been XXXX payment a head. Started paying on this mortgage XXXX XXXX. The first payment was not due until XXXX XXXX we have never missed a payment. In XXXX I had a dispute about repairs that need to be done on a dump truck and trailer I drive. I informed him that I could no llonger safely drive vehicle until repairs were made.well h not only just replaced me but refused to pay the money he owed me almost XXXX but that the way things can go. So I made some adjustments to get but and XXXX was to not be a month ahead on mortgage for awhile Pnc has done nothing but harass me and my XXXX XXXX XXXX mother in law. I explained to them what i did and told them to go back over the history of our loan and send me a copy. Well they only go back to XXXX so they cant see that i started paying on this mortgage 1 month early and I have also made another extra payment to come of the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (MD).
Issue: Problems when you are unable to pay

Complaint: In XXXX XXXX I filed bankruptcy, a reaffirmation was requested from Westlake for my vehicle, Westlake did not send the reaffirmation. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX my attorneys office reached out to Westlake to get the reaffirmation agreement. I also contacted Westlake on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX Westlake sent a reaffirmation with the incorrect dollar amounts for the balance due on the vehicle, on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I called Westlake to get a reaffirmation with the correct amount sent over so I could sign and send it back. Westlake never sent the corrected reaffirmation agreement. On XXXX/XXXX/XXXX my attorney stated just that I just needed to manually make the corrections to the dollar amounts and send the reaffirmation agreement back to Westlake which I did. Unbeknownst to myself and my attorney my bankruptcy had been discharged on XXXX/XXXX/XXXX. Westlake refused to honor the reaffirmation agreement. Since XXXX/XXXX/XXXX I have disputed that the reaffirmation agreement should be honored and to date I have made my auto payments timely, Westlake is still refusing to honor the reaffirmation agreement therefore payments are not being reflected on my credit. All of my conversations with Westlake were recorded and Westlkae was made aware they were being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Moreover, I can not even get the credit freeze to go through because it " can not be processed at this time. '' Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a horrendous job in the first place. 

Thank you for taking time to read my complaint and for the work that you do.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: XXXX XXXX and XXXX XXXX ran hard inquiries into my credit for secured credit cards and on the site it explained they do n't run hard inquiries on such credit applications but there customer service representative utterered something different over the phone speaking to the contrary. I need these XXXX hard inquiries removed from my credit report. Also exqufax has the wrong social security number and does n't want to fix this I need these two issues resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Total Card, Inc. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: received collection letter from TCI ( Total Card Inc ) for a debt received from XXXX XXXX XXXX received from XXXX. My XXXX account is current and I have had no other account. My local XXXX office has moved. I asked for validation and verification of debt and to have it removed from my credit report and received a letter stating they would attempt to do so. That was well over 3 months ago and they are now not responding. I am forced to use this avenue and small claims court here in Montana to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (FHA mortgage) with RIGHT START MORTGAGE, INC. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: An appraisal was done on my property on XX/XX/XXXX. The value was way lower than it should have been and therefor no loan was provided. I paid XXXX dollars of my money for that appraisal and just found out it was just submitted to HUD on XX/XX/XXXX? This is ridiculous and not only am I stuck with a low ball value on my house for 6 months I am also out XXXX dollars because some XXXX  lender sold me and told me my house was worth XXXX! The appraiser is also wrong! It should have come in around 360k but im being XXXX  on both sides and as a consumer this is XXXX! I called HUD and they told me that the XXXX that I paid didnt even goto the appraiser because he hasnt even gotten paid? At this point I want my refund for my appraisal and I want this XXXX value erased from the HUD system. This whole thing is a bunch of XXXX!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (IN).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: On XX/XX/, 2018, XXXX XXXX repossessed my car. I have called their redemption department as directed. After waiting on the line for 45 minutes it disconnected me. I called back to be told that the lady who told me to call the redemption department gave me the wrong time and they didnt open till XXXX XXXX Central. So i waited till XXXX XXXX Central time and called again. After waiting on the line for another 45 minutes, the operator told me they were closed and to call back between XXXX and XXXX XXXX Central time. It was already XXXX. I still do not know the correct time they are open. I have called back several times and after 45 minutes, it disconnects me. I keep calling the main line back and they insist they are not able to give me any info. I must contact the redemption department but I can not get ahold of them.

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 08/29/2017 about Debt collection (Medical debt) with Capital Accounts, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX XXXX XXXX was listed as a participating provider with XXXX  XXXX/XXXX. Each yr. when visiting he office I provided my ins. ID card. As a participating provider I should not have been balanced billed for my visits. After being reported to another collection agency in XX/XX/XXXX I contacted XXXX, explained the situation, and completed a complaint form. I advised XXXX that XXXX XXXX ' office never stated that they did not participate in XXXX as indicated on my ID card. XXXX XXXX ' office has submitted my information to 2 different collection agencies for 2 different amounts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I got a line of credit through kay jewelers on or about XXXX XXXX, XXXX. Purchased items in the amount of {$3400.00}. My account went into collection and sold to another creditor. After joining the military in XXXX I attempted to resolve this matter but they wanted payment in full with interest. I did not have the money and they refused to work with me. I waited for letters of legal action but known ever came. XX/XX/XXXX, I received a call from a gentlemen named XXXX. Did not give me a last name. He told me he was with a company named XXXX XXXX XXXX and want to collect a debt I had acquired with Kay Jewelers. He told me I had to pay the total balance of {$6500.00}. I told him I could not pay that amount. We made an arrangement for {$500.00} down and {$100.00} payments until I can pay it off. I paid {$300.00} and asked for him to take the remaining {$200.00} in XXXX weeks. I did not feel right about it because to give me information about my account and tried to talk me out of speaking to a lawyer. So I canceled my card and did not pay the {$200.00}. He continued to call and threaten me with legal action. I did not respond. A couple days later I received another call from a gentleman named XXXX. Would not give first name. He left me a voice mail stating that my file had been sent up to his department for further legal action. He said he had already contacted my civil affairs officer and his next call will be to my inspecting general and will be issuing me a judgment. I called him back and tried to make some kind of payment arrangement but he said they wanted the money in full. He told me to borrow money from family or who ever. Then he told me to get a hard money loans or credit cards. I was afraid of him contacting my command, so I attempted to get loans and was denied. After telling I could n't get a loan, he got rude and told me I need to figure it out or he is going through with legal action and sending it up my chain of command. He called me childish, said I was not a soldier and all I am doing is playing soldier. Called an adolescent. Said its like robbing a bank. I told him to calm down and to respect my service. He then asked me if my " mommy new I was a playing soldier ''. I just hung up the phone and proceeded to speak with my Judge Advocacy General for guidance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: EQUIFAX-ABOSLUTELY HORRIBLE I have sent many requests, disputes and they keep adding duplicates of the same company ... 4 times ; REMOVE 1. XXXXduplicate-on my report XXXX times REMOVE 2. XXXX-duplicate on my report XXXX times-REMOVE 3. XXXX duplicate on my report XXXX times-REMOVE 4. XXXX-OK THIS IS THE CORRECT XXXX-leave on 5. XXXX OVER 10 YEARS OLD-REMOVE 6. XXXXOVER 9 YEARS OLD - REMOVE 7, XXXXOVER 15 YEARS OLD - REMOVE 8. XXXX -over 9 years old REMOVE 9. XXXXOver 9 years old REMOVE 10. XXXX-over 9 years old REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have auto inquiries on my credit score that I never gave my consent to

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 10/19/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (FL).
Issue: Deposits and withdrawals

Complaint: I have n't received my direct deposit which goes to my rushcard and their bank is XXXX. I was supposed to receive my funds XXXX XXXX and did not. I been calling, emailed them also called XXXX. They updated their online n you can not get on line with them nor have they added my funds n you can not ever speak to a person. This is rough n very hard I have bills n Ned groceries and personal products and I need my money. I called my payroll personnel n its rushcard that got our funds who knows how many people they ripping off and hurted financially. I want my money and need my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2017 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Deposits and withdrawals

Complaint: I took a personal loan out. I deposited the check in my bank account. 
I was going to use the money for a down payment on some property I wanted. 
when the property became available I went to the bank to withdraw the money out of my account. That 's when i found out that the bank teller deposited my loan money in the wrong account. I lost out on the property, so I paid the money back in full to the loan company but they charged me a fee for interest, final paper fee. I want the bank to pay me back what i had to pay for there mistake because I was not able to use the money. 
I have all supporting documents from the loan company and the bank on this issue, including the deposit slip from the initial deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: This happens every year. When I try to get my annual credit report, I have no problem with XXXX or XXXX. But Equifax arbitrarily denies access to my credit report claiming " security. '' They then set forth a long list of documents that I have to provide by mail to get my report. I think they are doing this to avoid having to provide a report. You should investigate their practices with respect to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 had spoken to Equifax about an account that they are reporting on my credit file and they said they were not changing anything. I have forwarded them information showing the account should be removed as per the company and they still are giving me the running around. The account is XXXX XXXX XXXX and I have included the letter showing it is suppose to be deleted. I really need your help. I do n't know why Equifax continues to not do their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: after being catastrophically injured almost XXXX yrs ago my husband is completely XXXX, he spent 67 days in the hosp. and 32 days of that in a coma, 2 yrs ago Cavalry spv 1 llc sued him [ g e money bank original credit card ] we explained how we now live off of ssd and XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in XXXX is there anything I can do. thankyou,

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Bank account or service (Other bank product/service) with BANK OF HAWAII CORPORATION (HI).
Issue: Making/receiving payments, sending money

Complaint: XXXX complaintI wrote a check for {$1900.00} and change in the number amount and then spelled out a different amount only XXXX XXXX on the line. They didnt pay the check person or didnt let me know they cancelled it until the tax office sent me a letter that added a few XXXX more because of late fees that i thought was done months ago. Thanks to them i need to pay XXXX plus extra in late fee. 
XXXX complaintI call to get help if they can get a XXXX time security code taken off my account because it is not a XXXX time thing its every time i get on line to check my account. Ask to get help and the lady wants a federal tax number for what its a security " XXXX time thing '' but happens EVERY TIME I LOG ON. I did n't ask for a password or user id i have all that but I want to say Bank of Hawaii I will never do buisness with or would n't recommend it unless you enjoy useless type of customer service. The person i signed my buisness account with changed banks and i am in the process of moving to its just a warning for the rest who want service and help look elsewhere its guarentee better.

Company response to consumer: Closed with explanation