milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Customer service / Customer relations

Complaint: I returned from an international assignment to the USA on XXXX/XXXX/16. I applied for a new credit card with American Express and was approved on XXXX. I received my credit on XXXX. I called and activated my card on that same day - the agent stated I could use the card immediately. On the phone, I had the agent document XXXX very important transactions I needed to make. I then logged into the AMEX portal and tested those transactions in their verification tool - both transactions were approved. On XXXX I drove XXXX miles to complete a car purchase, of which a down payment was XXXX of my important transactions. The transaction was denied and when I called the AMEX customer service agent, they said they could n't help me. The next day I was sent a request to get a form notarized that provided my identify. I have sent that in and continually call into AMEX to get my problem resolved, which is still outstanding. At this point, I have to wonder if AMEX is discriminating against me based on my international background and heritage? This situation has become unfathomable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Medical debt) with Kansas Counselors of Kansas City, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently pulled a copy of my credit report and noticed this medical collection from kci so I send them a letter XXXX XXXX,2017 with certified number XXXX for account number XXXX. Requesting validation of this alleged debt they claim i owe them. I have requested that they prove that i am indeed the party they are asking to pay this debt the date of the alleged medical service the name of the patient and proof there is some contractual obligation binding on me to pay this debt. They have refused to provide copies of any agreement I have with them that grants authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY Provisions AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been experiencing issues with possible identity theft so I submitted a written dispute to Transunion asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.

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 10-04-2016 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call in XXXX of 2016 from Caine Weiner saying they were debt collecting for a debt I asked for proof of a debt they said I need to request it in writing they would not accept my written request. I then faxed, emailed and mailed a request and received. Itching. On XXXX XXXX approx I XXXX a {$60000.00} collection item on my credit report stating it had been " verified '' I have never received any proof of this debt as I demanded In writing in XXXX and they have continued to attempt to collect outside of the 30 days without providing documentation

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.Q. DATA INTERNATIONAL, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Rented an apartment. Father was supposed to co-sign- however he never filled out documents so the apartment complex filled it out fraudulently and claimed I had and are charging both me and my father for their mistakes, negligence and lack of detail!!

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 non-monetary relief
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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 requested verification of the following account that Experian continues to report on my credit file : US BKPT CT XXXX XXXX   Dispute for XX/XX/XXXX : I received dispute results. Outcome stated, " The company that reported the information has certified to Experian that the information is accurate. XX/XX/XXXX I called Experian and requested the name of the company who reported the information. The representative XXXX stated, " We don't disclose who gives us the information. '' She transferred me to the fraud department. The rep there stated that, " A group of people go out and check public records and reported it to them. '' Nether representative could provide me with a company name or any proof of verification of how the information was obtained. My complaint is that Experian has not been forthcoming with the name of the company that provided them with the Bankruptcy information that they are reporting on my credit report. Courts do not report to credit bureaus. I demand and request this public record US BKPT CT XXXX XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE.

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 05/13/2016 about Bank account or service (Other bank product/service) with KEYCORP (OH).
Issue: Account opening, closing, or management

Complaint: My bank asked me to apply for a bank credit card, I was turned down, they showed me a screen shot that had accounts in good standing reported as derogatory that have never been late and in good standing. They told me if I could get a copy of my credit report to show that these accounts were in fact in good standing they would reverse their decision. I got a new credit report for myself and one sent to the bank and showed them in plain english and directly on the credit report that these accounts were in fact in good standing and not derogatory. They then told me that does n't matter they have to go by the original decision even though there information was inaccurate and did n't reflect what the actual credit report read.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Bank account or service (Checking account) with AMERICAN EXPRESS COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: It has been more than half year since American Express Blue Bird has unlawfully held my funds. I have made number of attempts and provided documents necessary in order for them to resolve my concern. 
At some point, due to fraud related concerns XXXX XXXX XXXX froze my account, then closed and reopened new XXXX to make sure that I am safe while banking. This issue caused BlueBird American Express account to be frozen or/and hold placed onto it. I went ahead and forwarded American express the letter sent by XXXX XXXX XXXX which states the reasons. American express, did nothing, but treated me in a very unethical manners. Racist operators and unprofessional supervisors refused to assist me and made terrible discriminative comments over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I checked my credit report today XX/XX/XXXX. I do not recall applying for this loan also as I 'm looking at this report is shows as of XX/XX/XXXX it is current, then is goes 60days past due as of XX/XX/XXXX. How is that? I do n't understand how an account can go from current to 60days when there are only 30 days between billing cycles. So not only do I recall applying for this loan it is obviously reporting incorrect as well. I would like a copy of the signed application showing that I applied for this loan. Given that on multiple aspects information is not being reported correctly I would like this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A debt collection consolidation company I contracted with back in XXXX last year must have asked for proof of debt from XXXX XXXX 's debt collection agency, Zwicker & Associates, on or around XXXX/XXXX/XXXX. The company I contracted with, XXXX, XXXX, never told me they were requesting this information so I was surprised when the XXXX & XXXX lb. package arrived at my door opened, contents spilling out. I believe Zwicker & Associates deliberately sent the information to my home instead of XXXX to deliberately cause me financial harm and compromise my personal information. I have know way of knowing how many eyes had access to my credit history going back to XXXX. I will upload pictures of the packaging as received at my home.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The following incorrect names and addresses are on my credit report. 

Misspelled/Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misspelled/Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( not my address ) XXXX XXXX XXXX XXXX AL XXXX ( not my address ) XXXX XXXX XXXX XXXX AL XXXX ( missing apartment number )

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 10-04-2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Can't contact lender

Complaint: I was recently contacted by a third party for the company, Ace Cash Express. They contacted my mother and husband and told them that I was going to be sued for a debt that was not paid in 2014. I asked the company to send that information in writing so that I could forward it to to the debt relief company that is negotiating my debt. They told me that company policy would not allow them to do that and that I had to agree to an installment. I proceeded to tell them that I needed that information in writing because I am handling my debt through credit negotiators so that I can pay my debt off in a timely manner because my husband and I have separated and my funds are limited. They then proceeded to tell me that I had to pay what they told me but they could not send me anything in writing until I agreed to pay this predetermined amount and it would only be the installment agreement that was sent. The lady then got upset with me because I continued to ask for something in writing. She then said that she only works there and that they were going to sue me and see me in court because I would not agree to their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: For many years I wrote government regulators and CFPB regarding my mortgage with Ocwen Loan. I provided proof that letters where back dated and documents were included in my loan packets that I did not agree to or did not sign. In an article I recently read it was indeed discovered my regulators that this was the case and consumers were defrauded. Including myself. I complained that a my XXXX mortgage was discharged in bankruptcy and creatively added to the back of my XXXX mortgage. In addition, Ocwen still wants me to pay. I feel Ocwen has no claim to my residence due to defrauding me, pain the have caused. The balance is incorrect and I want the documents and records updated to XXXX mortgage only. There is no XXXX. It was modified with the previous company Litton Loan and also Ocwen. I want compensation for the fraud, aggravation Ocwen put me through.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX dob XX/XX/XXXX SS # XXXX XX/XX/XXXX XXXX, XXXX and Experian will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over 60 days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.
XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX- - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - - XXXX XXXX XXXX XX/XX/XXXX Delete all my unauthorized inquires from my credit report

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 07-06-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Credit card protection / Debt protection

Complaint: I placed an order for a XXXX in early XXXX. I got XXXX confirmations for XXXX XXXX. I immediately called XXXX and told them about it and they said there was nothing they could do. I told them I do n't want anything from them then and to cancel my order. They sent XXXX XXXX and I refused delivery of all XXXX. Then they charged a month of service for a hotspot. Household Bank ( HB ) eventually refunded the XXXX hot spot charges but not the month of service until I agreed to cancel my current credit card and let them send me a new XXXX. I agreed to do that and after I got the new credit card and cancelled the old XXXX, they would not refund the bogus {$52.00}. service charge. I tried for month to get them to make it right but they would n't. I was still haggling with HB when Capital One bought out Household Bank and I had to dispute it with Capital One. They saw it was bogus and said it was refunded on my card, which it was. That was the only reason I used Capital One 's card. Otherwise I would have closed that account for getting bad service. I had no idea Capital One did n't keep their promise until I started looking for a mortgage and was told they reported a XXXX day slow pay negative report on my XXXX credit reports. 
The other issue I have from Capital One is I filed bankruptcy XXXX XXXX, XXXX due to attorney 's fees from a divorce and received a discharge in XXXX, XXXX. Capital One was XXXX of the creditors in the discharge. I also learned at the same time, they reported this as a write-off in XXXX, which is also not true. Enclosed is a copy of the discharge and Capital One is XXXX it. 
I have disputed this with Capital One several times and they just mess me around. I then disputed it with the XXXX credit bureaus and they " investigated '' it and they said they could n't do anything unless Capital One changed it. Now I am seeking assistance from the Consumer Financial Protection Bureau because of CaptialOne 's vindictiveness. Please process these complaints and have Capital One report accurately and have the XXXX credit bureaus amend their credit reports to reflect the newly corrected information. 
As you may see from the XXXX pages of documents, I have been trying for some time to get this resolved. Capital One has sent contradicting letters in the same day and not followed through with what they said they were going to do. The times I have spoken with them on the phone they have said misleading statements and done differently than they promised. 
When I speak with the credit bureaus, they say they wo n't do something unless Capital One changes it. 
Please process this complaint and have it corrected. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied online for a new mortgage. I was rejected online. I called USAA Which Said my median Credit score was below 620. 

I asked why use the median score rather than the average. The financial institution says it is ok. I argued it is mathematically and statistically wrong to use the median of three numbers. It just has no scientific basis. It is actually laughable that a financial institution would use a useless statistic to reject my application. No where in mathematics will you find that a median of three numbers has any significance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone either applied at capital 1 in my name or capital 1 ran my credit themselves, I DID N'T AUTHORIZE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2015 about Credit card () with U.S. BANCORP (IA).
Issue: Advertising and marketing

Complaint: I have had my US Bank XXXX XXXX XXXX XXXX card for over a year now, and was charged the {$60.00} annual fee right away which of course I gladly paid due to the benefits it was advertised to come with. 

However, soon after paying, the first week of XXXX, XXXX XXXX & US Bank announced that they were no longer going to be offering the " Award Night Benefit '' of the card. The benefit was that if you booked a XXXX night stay on points and you had their credit card, you got the XXXX night free. This is right after I paid my {$60.00} annual fee for that benefit! The value of my card is now cut in half but my fee stayed the same. I called and was only offered XXXX points. I was told they could not waive the annual fee or give more points even though it 's a clear violation of the card terms I signed up under. They were violated right after paying the fee. The card is now worth XXXX of what it used to be. If that. Now I 'm finding out that other people received the fee waived plus XXXX - XXXX bonus points and I feel like they not only violated terms but XXXX me and ripped me off as a business customer. 


The terms said, " Bonus Award Nights - When you redeem Gold Points for XXXX or more consecutive Award Nights, your last night is free. XXXX Exclusively for cardmembers! " Note the " EXCLUSIVELY FOR CARDMEMBERS '' ... However, that 's false advertising because they now took that away! 

It also said, receive all of the benefits by paying your {$60.00} annual fee. Which I paid, and now I do n't receive those benefits. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit determination

Complaint: Chase bank denied me credit on an application for a XXXX credit card with the reference number XXXX after citing my " bankruptcy '' from 2012 as the issue for denial. Yet, on the application they specifically asked whether or not the applicants has any bankruptcies on their credit file and I checked the box for YES and yet they still placed an inquiry on my credit report and proceeded to deny me for having a bankruptcy. I believe that this is extremely deceptive and hurtful to my FICO score. They were deceptive in their application process and misled me to believe that I would qualify for a credit card with a bankruptcy reported on my account as long as the FICO score, annual income and credit history was acceptable. My FICO score is XXXX which is exceptionally and my annual income is {$80000.00} which is more than suffcient to have this card. The reason for denying me credit was extremely malicious and had I known that they would deny me on the grounds of a bankruptcy, which they already knew I had, I would never have applied. When i called CHASE to complain about this deceptive behavior on their part they then proceeded to tell me that in fact i was denied due to inquiries on my report. That is also not true, I have only XXXX inquiries, XXXX of which was placed by them unnecessary. Knowing i have a bankruptcy, which is old, Chase should NEVER have placed an inquiry on my report since that was the REASOn they gave me for rejecting my application. As a result of their unnecesary inquiry my FICO scores have dropped XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went in to see XXXX XXXX XXXX, to have him to remove some XXXX that I had gotten XXXX. I continuously, indicated to him that, I knew it was some XXXX. He asked me if I wanted him to send it to the lab, for testing. I said no, because, I remember the day it happened, and that, I knew exactly, what was in my hand, and that there was no need to send the small piece of XXXX to the lab. He sent it any way. I do not feel as though, I owe this debt, because, he sent it against my wishes. It is not my fault, that he did not believe that it was XXXX XXXX XXXX, placed this negative information, on my credit report, with the XXXX major reporting agencies. Along with, negative information, about me going to XXXX the hospital. Which, I did not. These bills were totaling, {$140.00}, to XXXX XXXX, and a {$81.00}, bill to the hospital. All, I presume, was for the lab testing, in which, I did not instruct, XXXX XXXX, to submit!!! The and companies name and account numbers, for these illegal, transactions, are Credit Systems International XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX, account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX, ( XXXX ) XXXX, Account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX XXXX XXXXXXXX parties, needs to remove all negative information, from my credit reports ... and, cease, all harassing calls, and attempts, to collect a debt, that I do not owe.

Company response to consumer: Closed with explanation