milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 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: Opened a XXXX XXXX card from American Express, with a signup bonus of XXXX Membership Rewards points after spending {$5000.00} within the first 3 months of the account being opened. I opened this card on XXXX of XXXX, and met the spend requirement in XXXX. Since then, I have had to contact American Express multiple times about the points not being awarded to my account. In XXXX, I was told that the issue was under investigation, and that a decision would be made by 8 weeks. On XXXX XXXX, I once again contacted Amex to see if progress was made. I was told by the customer service representative that the case was closed in my favor, and that the points would be " soon ''. The cause of the this delay was apparently a " technical issue ''. For over 5 months I received no information about the existence, cause, or resolution of this issue and had to contact Amex multiple times to check my case 's progress. Finally, after contacting two representatives on Amex 's chat tool, I was told that I would need to wait another statement period for the points to be awarded. Amex has already taken responsibility for this " technical issue '' and has offered very little in amending the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Mortgage (FHA mortgage) with UMPQUA HOLDINGS CORPORATION (NV).
Issue: Trouble during payment process

Complaint: Mishandling of funds. 
XXXX XXXX, XXXX I sent a check to cover my escrow shortgage. They did not apply my money correctly, evidently I wrote the wrong amount on the check. I sent them messages to no avail on XXXX/XXXX/XXXX which has still not been addressed. They finally called me when I sent in my mortgage payment asking why I was sending in another payment - this was on XXXX/XXXX/XXXX as well, not even looking at my messages. I was talking with XXXX and sent another immediate transfer to cover the amount. She assured me as assistant to the vice president, she would make sure this was done correctly. I now get a statement with my last payment pended, an overdue payment amount ( XXXX ), a partial payment unapplied ( {$1100.00} ) and an amont due of {$2100.00}. My escrow balance shows {$1500.00} - my shortage was {$1500.00}. My payment amounts should have stayed at {$870.00}. This is causing a lot of stress trying to get this cleared up and a lot of problems between my spouse and myself.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After negotiating a lower payment at the beginning of XXXX I was told my payments started in XXXX. When my payment was made in XXXX I contacted by Navient telling me my payments were over due and that I had missed my XXXX payment. After a long discussion on the phone I was convinced to file forbearance for XXXX payment. At the first of the year I went to check my payments and my payment amount was raised. After a lengthy discussion were the customer service rep, who tried to convince me to file forbearance multiple times they finally told me they would pass the issue on to there manager and I would be contacted by the XXXX. I have not been contacted and my payment still is at a higher rate then I can pay and higher then the payment I negotiate in XXXX. I have tried contacting Navient a few times since the XXXX with a number the customer service representative gave me was given with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Spoke with a XXXX representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALLof the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message. Several days later I received mail that appeared to be the result of XXXX verifying that all of the requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report. How was XXXX able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.

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 02/21/2018 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company has chosen to attempt to collect a debt that is not due and has not been verified. As a customer and the person they are accusing of owing this debt I can attest to them placing this debt on my credit with neither a contract or any attempts to contact me. Also the company who sold this debt is a private real estate management company who's tactics are unethical, they do not honor their contracts and have not made the proper attempts to seek any form of payment for the debt they claim I owe. These actions from the two aforementioned parties have costed myself and my family on several occasions to live in places we did not desire to live and has changed our finances in different ways. Due to the malpractice of this collection company, I now have a blemish that I have never had before and would advise anyone that if they are dealing with this situation to take an action.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with TCF NATIONAL BANK (MI).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: TCF bank has charged me {$1200.00} in overdraft fees in the last four months. The reorder of debit card transactions causes them to be able to charge several fees. Most banking institutions no longer practice this abusive way of taking advantage of their customers. XXXX  XXXX XXXX does not do this nor many large banks. I have been a customer for a very long time and do not want to have to switch all my bills and direct deposits around. I want my money back as this is extremely excessive!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Regarding the recent Equifax massive security breach reported yesterday ( X/X/2017 ), I checked my information today ( X/X/2017 ) on their website " https : //www.equifaxsecurity2017.com/ ''. My vague result read : " Based on the information provided, we believe that your personal information was not impacted by this incident. '' I have no choice but to assume that means my information has been released to an unauthorized party. I did not follow through the XXXX enrollment as it is unclear if this waives my rights to press charges against Equifax for damages. I have placed a fraud alert on my information in attempt to limit damages from Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This company said they are a company that works for the CFPB. And when making arrangements to pay a debt, they are bound by laws to not make any false statements of any kind. 
What they did : 1. They told me and documented false statements of the amount of debt I owed. 
2. The company 's office at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ) went out of business with no forwarding address after all the debt was paid. 
3. They continue to have broken many fair credit laws and should have a criminal investigation done regarding their business practices. 
4. There license should be revoked due to this illegal practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On  X/XX/2017    I attempted to pull my credit report from TransUnion 's website. Like many services that deal with confirming your identity they requested my credit card information.     There was a single reference to a subscription on the page prior to entering credit card details. " You may cancel your subscription anytime by contacting us or do nothing to have your membership continue without interruption. '' but no mention of price of subscription.     I enter my CC, confirm my identity and move forward expecting to get another screen to select a trial or level of subscription then complete the order. Instead they charged {$21.00} to my card beginning the subscription immediately.     I can find no reference to price of subscription in their service agreement or on any of the pages during signup.I will be disputing the charge with TransUnion but the practice is dishonest at best.

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 monetary relief
Consumer complaint received 08-05-2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For seven years I have received periodic calls at my work office number from " National Credit Adjusters. '' Their number is XXXX. They say they are tying to reach someone named " XXXX XXXX. '' I have explained to them for the last seven years that ( 1 ) I 'm not XXXX XXXX ; XXXX 2 ) there is no one in our company named XXXX XXXX ; and XXXX 3 ) I do n't know anyone named XXXX XXXX. 

I would greatly appreciate it if you would get these XXXX to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I am the co-signer for my son 's private college loan and was frequently making payments to XXXX XXXX, now Navient. To make a long story short, XXXX I called Navient to discuss lowing my monthly payments from almost {$300.00} shared amongst XXXX loans and the rep wanted to know why I was paying so much anyway. She shared that XXXX loan payment was XXXX and the other payment was XXXX. I set up automatic payments through my online banking and thought all was well. XX/XX/XXXX, I began receiving harassing phone calls from Navient telling me both loans were behind and that the agent I spoke with XX/XX/XXXX provided incorrect information. On XX/XX/XXXX I spent over an hour with Navient and was approved to be placed in an extended program to lower my monthly payments to {$140.00} twice a month for both loans until XX/XX/XXXX. I thought all was well until XX/XX/XXXX I started once again receiving harassing calls from Navient for more money and I learned that the agent who enrolled me in the extended program on XX/XX/XXXX made a mistake in my banking account number so I was removed from the program without my knowledge, which made my loans even further behind. I spoke to a supervisor on XX/XX/XXXX who assigned an agent to help re-enter me into the program and I paid {$170.00} to bring both loans up-to-date. Today XX/XX/XXXX I received a letter from Navient saying I again was kicked out of the program because the XX/XX/XXXX payment was not received even though there was knowledge their agent made the mistake. The agent requested I bring both accounts up to date and that the {$140.00} agreed upon XX/XX/XXXX was incorrect. She offered to put me into another program but wanted me to bring the loans current. At this point, I 'm afraid to do anymore business with Navient due to all the incorrect information provided by the agents. This agent even told me that the previous agents I spoke with maybe no longer works for Navient and that they did n't have the proper authority to place me in any programs ; possibly they no longer works for the company. Something shaddy is going on with this company and I am reluctant to do anymore business with them until somebody looks into their practices. I would like to for once speak with someone about my payment options to bring my loans back in good standings but I 'm afraid to do business with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017 I was at Chase bank located at XXXX, XXXX, CA XXXX. I put my Paycheck for XXXX in ATM machine and the machine ate my check, never putting it in my account or giving my a receipt. The machine then turned off and I was unable to retrieve my check. I immediately informed the manager and they advised me I needed to make a claim # XXXX.During the next month and a half they continued to add numerous fees, lie to me on the phone stating the claim was settled. They were incompetent and rude at the XXXX and XXXX. I have lost many hours of work and stressed out trying to resolve this issue. Then once again I filed a claim on XX/XX/2017, claim # XXXX for a returned brand new cellphone. They issued the refund then took it back. So today during the week of XX/XX/XXXX I was advised that they could not find my paycheck from initial claim # XXXX so they took the money back out of my account which had me minus below and then once again numerous fees incurred. I am so unhappy with this customer service. I am occurring fees everyday and they refuse to let me close the account. This is two months later. They said they could not find the check fromthe company that retrieves the checks from the machine. I know that the checks are taken out at least once a week. So thenit was stolen or lost by Chase employee. 
I want my account closed with zero balance! If it is not closed by XX/XX/XXXX I am taking matters higher up to the media. I have family members working at numerous entities whom I already told. 
I have also been so stressed it is causing me to see my XXXX Many times which are all documented. Please help me close this account and resolve this issue before I seek aggressive legal action. I do n't want this hanging over my head any longer. My account # is XXXX. XXXX XXXX thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hello, I lived in a property that had such a poor reputation by the people who lived there it had to be renamed from : XXXX to XXXX in XXXX, XXXX. The properties management company was out of state ( XXXX apartments ) and a rental office was on site. The XXXX did not communicate well, and after a man was shot and killed in the garage of the complex I decided not to resign my lease. My relationship with the office was poor already because I called homelinemn on them because none of the properties out door security parking lot lights were functioning and because of the shooting I felt incredibly unsafe. I made a verbal agreement with the office manager in the leasing office on property who told me that was fine and to write out a letter and bring it back to him when I had time. I made XXXX attempts to bring it in, once he was not in, and once the office leasing agents asked me to come back later because they were preparing for their holiday party. I obliged and I brought it in the next week. 

When we moved out we assumed that some of our XXXX XXXX dollar deposit would go towards the two years of wear and tear of living there, however once we left we received XXXX invoices, the first had less charges then the second which also now said we owed a months rent for not getting our letter to leave in on time. The charges owed took our deposit and demanded an additional XXXX. This invoiced sited things like the black mold on the window seals and toilet, photo charges for them to take pictures of that mold, dog fesses they found outside they said was my dogs, new closet doors because the doors they replaced while we were there did n't match, and a late charge of XXXX month 's rent from the property management for not submitting my letter to leave in time, something I was verbally told by the leasing office was fine, and was attempted twice. 

We went to the XXXX XXXX XXXX XXXX XXXX ( who should have a file on this still ) and spoke with someone who said they could have helped with this had we still been living there but that because we moved and the bill came after they could not. 

Because we refused to pay they forwarded the charges to collections and now I am called at all hours of the day from debt collectors and my parent get harassing mail sent to their home address in XXXX. Please help me stop this. This was a wrongful charge, I believe they sent this to collections and did n't take us to small claims court because they knew they would lose. And this XXXX thing is making my credit score suffer. I need your help in removing this or at the very least asking them to stop harassing my family. I have copies of the charges and the letter they send my parents monthly. Please let me know if you would like these documents. 

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: For a very long time I have battled with Equifax regarding removing the fraudulent account which is dropped from $ XXXX- {$5000.00} for cash aid withdrawn by the mother of my children who at the time was collecting cash aid and did not have the children since I had full custody. The {$55000.00} was updated and taking off by the department because of the mistake in the fraudulent {$5000.00} amount Its still been reported by the bureau even though I let them know that that amount is fraudulent. The mother is currently in rehab and I would like the negative information taken off and blocked once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We believe that our loan servicer ( SPS ) is not following MHA guidelines in connection with their review of our Request for Mortgage Assistance. According to MHA Handbook XXXX XXXX, Section XXXX an Acknowledgement and Incomplete Information Notice " must include a specific date. '' They gave us a date of XXXX XXXX to send in a complete information package. They ignored the XXXX XXXX date and sent us a letter dated XXXX XXXX saying the had received a complete package. How could they say they had a complete package when we had not sent one?????? 
Our other even greater concern is that we believe that we qualify for HAMP and SPS does not acknowledge that we made a HAMP request in any of the letters regarding our loan application review that they have sent to us. We contacted MHA XXXX and they said that loan servicer should first consider HAMP before any other loss mitigation options. Below is a list of HAMP eligibility criteria : ( 1 ) Delinquent on mortgage ( 5 months behind ), ( 2 ) Obtained the mortgage before XX/XX/XXXX XX/XX/XXXX ), XXXX 3 ) Our property has not been condemned, XXXX 4 ) Owe less than {$720000.00} ( {$370000.00} ) ( 5 ) We have not been convicted of any crime in connection with a mortgage or real estate transaction, and ( 5 ) We pass the Net Present Value Test,. We wish that SPS would finally acknowledge this and give us a HAMP loan. Why are they not telling us anything about HAMP when reviewing our applications? SPS did send us separate letters about assignment of an appointed of a HAMP relationship manager. The last time I talked to one of the HAMP relationship managers they wanted us to pay our delinquency or agree to a short sale or deed in lieu of foreclosure. They also said that we could not request a HAMP. I do n't understand that. They have never given us a HAMP so why should we not be able to apply. But these conversations cause me a great deal of stress, and do not wish to talk to any SPS person that has the same old story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation