milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing

Complaint: American Express sent me a letter in the mail letting me know that I was pre- approved for their " American Express Green Card ''. They gave me reference RSVP code : XXXX to claim this pre-approval via their online application. I then went online and put in my information, only to have Amex 's system instantly decline me, which added an additional " hard pull '' to my credit report. This practice of sending out fake " pre-approvals '' is fraudulent, and I would like American Express to either honor the terms of the offer in giving me some type of credit limit, or to remove the hard pull which was fraudulently added to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (ND).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have filed a complaint with American Express regarding their XXXX miles promotional offer based on which I applied and received this credit card. It has been 6 months since I had the card and I still do not have the miles even though I met the criteria in the first month. I was told there was an " issue '' they are investigating and that I will receive a final answer by XX/XX/XXXX. Of course, this did not happen and every time I contact them they say wait more. Last time I spoke was with a supervisor named XXXX via chat on XX/XX/XXXX at XXXX XXXX central time ( chat ID : XXXX ) and he said the case was still open which strange because I was told before it was closed. He also said that there are other customers who have the same issue. This was the first time I heard that and they never want to say what the issue was. I asked for legal department contact information and he said they do not have one. This is clearly fraudulent advertising and what makes it more appalling is that they continue to send me emails with the same add.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: IN XXXX OF 2017 I DISPUTED THE ACCURACY OF THE BELOW ACCOUNT WITH XXXX, XXXX AND EXPERIAN. AS SEVERAL THINGS ARE INCORRECT. XXXX AND XXXX   DELETED THIS ACCOUNT FROM MY CREDIT REPORT, BUT EXPERIAN REFUSES TO REMOVE IT. I DO NOT AGREE WITH THIS, AND WOULD LIKE IT REMOVED. 
- Balance {$4900.00} Balance Updated XX/XX/2017 Original Balance {$23000.00}

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 06/27/2015 about Consumer Loan (Installment loan) with LENDMARK FINANCIAL SERVICES (MD).
Issue: Problems when you are unable to pay

Complaint: I purchased furniture from XXXX in the summer of 2014, I was financed through Lend mark financial. When we purchased the furniture the sales rep advised their was a special promotion were no payments needed to be made until 6 months. I was approved.. Not realizing that this was incorrect information, as statements were being mailed to a wrong address that they had on file. I received a statement from a neighbor which stated I was XXXX months behind. I immediately called the number and explained to the representative, that I was not aware of any past due balance. as the representative at XXXX gave wrong information. The sales rep did not have my correct sale phone number or address correct in the computer, as I did not receive any phone calls or statements. By this time the account was in collections, I explained to the rep that I was currently on bed rest and was only receiving 50 % of my income. She stated I needed to bring account current or account would be charged off. I again tried to explain the situation, to no avail they were not able to help until account was current. I than received a letter stating that there would be court date. I advised that I could not attend due to bed rest. They stated they would send me out paper work to sign and return. I advised when I received the paperwork that I did not agree. I received a judgment on my credit and now they are garnishing my wages 25 %.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Asking for a refund for fees charged to my account in the amount of XXXX asking for a refund for the charges XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX. I would like to file a complaint against XXXX XXXX card for fraud. I am XXXX military veteran who fell on hard times during the recession. I had filed for chapter XXXX bankruptcy in XX/XX/XXXX and the last payment I had made to any creditor was in XX/XX/XXXX. I was XXXX from the military at the height of the recession and in XX/XX/XXXX my bankruptcy was discharged. All of my creditors have dropped off of my credit report with the exception of XXXX, XXXX XXXX card. They are fraudulently claiming that I made a payment in XX/XX/XXXX in order to keep this on my credit report causing me irreparable harm to my credit and ability to take care of my family. I have been trying to re establish my credit so I can by a house for my children to grow up in but due to this fraudulent creditor it shows that I have over XXXX late payments causing major drops in my credit report. I have tried contacting Equifax with no avail and I know that neither they nor XXXX can prove I made a payment on that account. It does n't make much sense that I would make a lone payment on XXXX of over a XXXX accounts does it? Here I am nearly 10 years after the fact of my last payment and it 's still on my credit report. Please help me resolve this issues and prosecute this company for fraudulent practices. Thank you. 


XXXX XXXX XXXX XXXX 
XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This company, ( Nationwide Recovery Service ) which I hold no contract with nor have received services from, reported collections against my SSN in the amounts of : {$50.00} ; {$50.00} ; {$50.00} ; {$50.00} ; {$130.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested on several occasions verification of the debt and accounts, however the business has failed/refused to provide adequate proof. This business does NOT have a contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX service bundled with XXXX phone service. When I canceled my account with XXXX they said I owed {$38.00} still for XXXX portion. I initially disputed this as I had paid my XXXX bill separately. XXXX said matter was resolved. 

Many months later, I received harassing phone calls and letters from XXXX XXXX XXXX regarding this supposed debt. In order to get rid of them, I paid {$38.00} to XXXX XXXX XXXX again, and was told that matter was finally resolved. 

Recently, I have been receiving harassing phone calls from ERC regarding this same 'debt ' that I have already paid twice. 

XXXX is harassing me and trying to extort money from me for a debt that has been paid twice. XXXX and ERC are threatening my credit unless I pay them this {$38.00} again. This is harassment and extortion and I want XXXX and their practices investigated. Even after I pay the collection agency of the month, XXXX finds another willing partner to attempt to extort money already paid. Please help.

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 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a credit card with First National Bank. I have a balance in my credit card amounting to {$680.00} and the due date isXX/XX/XXXX. I paid the full amount last XX/XX/XXXX.  When I got the next billing statement, I was charged of {$11.00} for interest charged. I called the credit card company to dispute the interest charge. They told me its a valid charge and they can not waived it, since in the 2 previous billing statement I did not pay the full amount. I told them yes I understand that I did not pay the full amount in the 2 previous billing statement that 's why you charged me a interest which is fine with me. But on the 3rd billing statement I pay the full amount before the due date that 's why I should not be charged of interest. 

And I told them just to closed my credit card because I am disappointed with your credit card. I told them I will not pay the {$11.00} because I believed this is not a valid charged. They customer service representative I spoke even treat me that they will report me to credit bureau for not paying the balance and my credit score and credit file will be affected. 

Just to make it easier I decided to pay the {$11.00} but I will complain the First National Bank to the Consumer Financial Protection Bureau.

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 09/16/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: My Regions Checking acct was compromised recently and about XXXX transactions took place within 3 day period that I did n't know about until about two days ago. I am in the process of buying my first home. I have been approved for a mortgage and I found a house and I have just wrote the first XXXX checks toward the purchase. XXXX for {$100.00}, the option period money. and the second for {$1000.00}, the earnest money. These are the first checks I have written out of this Regions checking account as well. Now that the account has been totally emptied my checks are going to bounce for insufficient funds, even though I called the bank to tell them about the frad, they said I could n't do anything untill all the transactions had posted to the account, and then I would have to go into a branch as fill out something and then it would take about 10 days for them to investigate the claim and after that I would have access to my funds again. The checks are going to bounce by then. Not only will I lose the house, bu the seller can sue me as well. 
I tried to explain this to the bank, and reminding them that if they followed the electronic transfer act that I was by law entitled to get the funds involved in the dispute put back into the account for my use while they investigate the claim. They wo n't do any such thing. They are not seeming to understand the seriousness of these XXXX checks. They said if they are returned then the merchant may represent them. Its not even that kind of transaction. This is to go into an escrow account to purchase a home. I ca n't seem to get them to move and even get started with the dispute. I am very angry and disappointed with the customer service and procedures this bank takes for helping people that have been a victim of fraud. I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XX/XX/XXXX I went on to the XXXX and ordered all three credit reports from XXXX, XXXX XXXX, and Experian.
<P/>
I only received one from XXXX XXXX, which was dated as XX/XX/XXXX and file number XXXX XXXX, which contains all the same information with different collectors name on it.
This is further committing FRAUD on the part of those on the report, since all the prior loans were defaulted and non-response on validation. I wish to be compensated for the damage this XXXX XXXX slandering my reputation with non-existing accounts they created. XXXX XXXX is supposed to verify the validity of the account before they put on the credit report. I wish to be compensated by XXXX XXXX for each alleged creditor {$1000.00} which is 39 times XXXX equal to XXXX by XX/XX/XXXX, and XXXX XXXX is agreeing to pay me {$500000.00} byXX/XX/XXXX, if I do not receive the XXXX by the end of XX/XX/XXXX.
<P/>
Because of their Fraudulent report, me, my son, and my daughter had to suffer paying higher interest, and denied employment, denied credit card, and denied to a loan.
<P/>
For the XXXX, who used somebody else 's name on my request and denied report this year, I wish to receive the perfect, clean credit report from XXXX beforeXX/XX/XXXX. After this date, if the XXXX does not send me the clean, perfect credit report, XXXX is agreeing to pay me {$50000.00} dollar by the end of the XX/XX/XXXX
<P/>
For the Experian, who reported all the defaulted on validation for alleged loans, I wish to receive perfect, clean credit report byXX/XX/XXXX, if not, Experian is agreeing to pay me {$50000.00} dollar by the end 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 10-12-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I monitor my credit. In XX/XX/XXXX, I received an alert that I missed a student loan payment. Upon review, the missed payment was for a FFEL consolidated student loan with an 8 % interest rate that originated with XXXX XXXX and was discharged under the Total and Permanent XXXX Discharge Program as of XX/XX/XXXX. I contacted XXXX XXXX, nka XXXX and received a letter dated XX/XX/XXXX verifying the loan was discharged on XX/XX/XXXX. The P & I owed was {$15000.00} and now, it is {$17000.00}. I have contacted Nelnet, with no luck, they forced me to agree to a forbearance for a debt I do n't own or they would continue to report to the credit agencies. The repayment date is this month, on XX/XX/XXXX, I received a letter that they tacked on over {$1800.00} in interest for the three months of forbearance, and they threatened to garnish my wages if I do n't pay them. I sent them a copy of the discharge letter and they wo n't accept it. I asked for a copy of my loan documents and have not received same. They also attempted to force me to send them a letter stating that I am not currently working and did not work the prior year, which I refused to do because I have worked. I received no notice of an alleged late payment, no phone calls, no emails. I have not received any contact from them since I sent my application for a XXXX discharge to them in the fall of XX/XX/XXXX. The only notice or contact I received from XXXX XXXX or Nelnet stating there was an issue with a discharge or money was owned is from the notice I received from the credit monitoring. Also, I had not moved since I submitted my application and XXXX, one of the supervisors at Nelnet stated they sent all notices to an address in XXXX Illinois. I have not lived in Illinois for 7 years and told her that was not the address on my application for XXXX discharge! Additionally, because I did n't receive any notices or communication before they reported me to the credit agencies, they agreed to removed the two instances they reported nonpayment on XX/XX/XXXX and XX/XX/XXXX to the credit agencies, yet they have not done so and my credit score significantly dropped. My credit score dropped again when they added the {$1800.00} in interest to my loan amount in XX/XX/XXXX. I contacted the Ombudsman department on XX/XX/XXXX and got no where  with them, all they did was quote from a script about XXXX discharges. Lastly, the amount they claimed is owed and the information on the US Department of Education does not reflect any payments made over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My At & T universal Credit Card/ CITI was charged with fraudulent purchases during XXXX 2015. XXXX calls were made, XXXX certified letter were sent to remedy the problem : I asked them to drop the charges, to close my account, and NOT to send A NEW CREDIT CARD. NONE OF MY REQUEST WERE ANSWERED AND A NEW CREDIT CARD WAS SENT TO MY ADDRESS which I have not received and was activated not from my phone. This credit card company may have a security breach : I had to place a credit freeze plus change all my credit cards and bank account numbers and I still have not received a letter from the AT & T credit card company stating that all my accounts at the credit card company are closed. After multiple calls and letters in the last 6 weeks no resolution has been reached and my account is still open : I want NO credit Card from them and No account with them. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a credit inquiry on my credit report for XXXX dated XXXX XXXX, 2016. I was notified by XXXX XXXX about the inquiry so I immediately called XXXX on XXXX XXXX, 2016 and told them this was fraudulent. I checked my credit XXXX/XXXX/2016 and I have inquires on my report for both XXXX XXXX and XXXX XXXX, 2016. I was told they would do a review and remove from my credit report but instead I have another inquiry on there for the day ( XXXX XXXX ) that I reported it as fraudulent. Can you please help me to understand why this has not been corrected?

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 03/23/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Consultants is attempting to collect a what looks like duplicate debt I do not owe similar to the XXXX complaint I filed.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an delinquent past due account on my credit file, that doesn't belong to me or I am associated with, I have contacted XXXX/Equifax with no successful resolution. It says the account was open on XXXX, 2017 and the original creditor was XXXX XXXX , whom I have no idea is, or what products they deal with. This new collection has dropped my score over 40 points due to this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Consumer Loan (Installment loan) with Integrity Funding Ohio, LLC (OH).
Issue: Taking out the loan or lease

Complaint: I applied on line for a loan and was directed to XXXX. I was a work when I applied and I take ownership that I could n't spend much time on the computer nor print out any paperwork. I was also very upset at the time I applied as I 'm XXXX only and I had to take time off work to care for my husband that has XXXX. That is the reason I applied at all. I had not received a pay check nor was I going to get XXXX before the end of XXXX or the XXXX of XXXX. I applied for a {$3500.00} loan which I was granted on XXXX XXXX. If I recieve a pay check my pays are on the XXXX and XXXX, it would not allow me to put those dates in so my payment came out on the XXXX, I called then and ask for a due date change to the XXXX, I made that payment then I got a email stating my payment was due again on the XXXX so I immediately called and said there must be some mistake I just made a payment, she informed me my payments weren ; t {$320.00} per month but every 2 weeks. I tried to talk to that rep and explain I can ; t pay {$650.00} peer month and needed to request help with changing that, She said there was nothing I could do. I was so upset I called back and ask for a manager and she said there was no one above her to talk to and my options was to pay off the loan. At that point I pulled up what I had electronically signed and was extremely shocked.at this contents of this loan. I borrowed {$3500.00} on month ago, made 2 payments and I now owe $ XXXX are you kidding, this has to be predatory lending. I never ever would I have signed for any loan like this if I was completely aware, they charged by {$4700.00} in a fee to get {$3500.00}. I own that this is my mistake, I asked to talk to XXXX XXXX XXXX the CEO and was told I had to talk to the service rep I was talking to, and that my payment would come out, I told her there was no money in the account to make another {$340.00} 2 days later. At that point I called my bank to stop payments. I again tried to reach XXXX XXXX to no avail. I have now called XXXX to see what I can do. I think this is a very bad loan and I own that I made a huge mistake, but to be told I can ; t talk to anyone or I have no recourse is not acceptable I have to try to correct this. I will try to get a loan to pay this off if they can give me a reduced pay off. A fee of more than you borrowed has to be predatory lending. I can submit pay stubs and bank statements if needed, I 'm not sure how they approved me on {$650.00} per month I would not debt tatio at all

Company response to consumer: Closed with explanation