milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Billing disputes

Complaint: On or around XXXX XXXX, 2016 I called American Express to report fraudulent transactions ( which i became aware of when i went online to make my payment ). The fraud investigator asked if I had my card, I replied that i did not. have a few more questions he asked me to identify all the unauthorized transactions. Therefore I informed him every transaction from XXXX XXXX ( from XXXX {$120.00} ) through XXXX XXXX ( XXXX XXXX XXXX {$26.00} ) were not authorized by me. He specifically asked about a few XXXX purchases, I informed him I did not have a XXXX membership and none of those purchases were mine or authorized by me. Incredibly, this investigator began literally interrogating me, asking at least a dozen questions. Finally, i interrupted him and informed him the questions he was asking seem ridiculous and over-reaching of my obligation. I requested an investigation and re-affirmed my dispute of these transactions totaling over {$5000.00}. 
Over two months have passed and American Express has refused to remove the disputed transactions, refused to provide any details of their investigation, have restricted my account, charged me late fees and increased interest rates. 
I thought investigations must be completed within 60 days and/or 3 billing cycles? Well, we have elapsed both. Additionally, twice by phone and once by letter, I firmly requested all communications were to be conducted by USPS or email to make sure I have accurate documentation, since I do NOT trust American Express to provide recorded information. However, American Express has continually called me 4-5 times every single day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Credit card or prepaid card (Store credit card) with Atlanticus Services Corporation (MD).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I established an online retail credit account through XXXX XXXX 's website on XXXX/XXXX/XXXX. This was regarding a treadmill purchase. I was financed through XXXX XXXXXXXX XXXX and it was not under the terms advertised under the XXXX XXXX website. I have called XXXX XXXXXXXX XXXX on XXXX recent occasions in XXXX XXXX since receiving my statement. I also followed-up through email directly to XXXX XXXXXXXX XXXX on XXXX/XXXX/XXXX. So far no action has been taken by XXXX or XXXX XXXX. The account that I set-up on the XXXX XXXX website was for 18 months, with no interest. My XXXX  XXXX XXXX account is not showing a 0 % interest rate- as advertised and agreed to. My current APR is showing as 29.99 % which is incorrect. Please see the terms below on the XXXX  XXXX Website. 
" No interest if Paid in Full within 18 Months : To avoid interest, you must pay the full promo balance before the promo period ends. If you do not, we will charge interest from the purchase date at the standard Purchase APR. After the promo period ends, the standard APR also applies to the remaining balance and the charged interest. You are required to make minimum payments, but minimum payments will not pay off the balance on time. You must make larger payments to avoid the interest. Advertised monthly payment, if any, is greater than your required minimum monthly payment and excludes taxes, delivery, or other charges. Limited Time Offer. Regular account terms apply to non-promo purchases. Minimum interest charge : {$1.00}. Standard Purchase APR : 29.99 %. Prior purchases excluded.Account must be in good standing. Subject to credit approval. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone applied for a credit card using my social security number in XXXX XXXX, CA. They put a stop on the application because I called but they would not give me the information put on the application without a subpoena. We have reason to believe we know who committed the fraud as there is a current felony case against him. The company is not pursuing any legal action against the fraudulent behavior and will not give me the information even though my social security number was used.

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 08/13/2016 about Debt collection (I do not know) with Law Offices of Palmer, Reifler & Associates, P.A. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I worked at XXXX for 3 years as a sales consultant, I was discharged from the job for using a wrong coupon to match XXXX online free delivery which is approved by XXXX Management without any warning or notification, after a month I received a letter from a debt collector XXXX XXXX and associates that I owe them XXXX $ for the issue that happened at XXXX and threaded me to escalate the issue, after their second letter asking for XXXX $ I send them back a letter that I do not owe this amount and explained that I used the coupon for the benefit of XXXX to close the sale and asked them to stop harassing me. They stopped sending letters since then but I keep receiving robot calls asking to make a payment, I filed multiple complaints to stop the calls, they changed the phone numbers and still calling me everyday. Please I want them to stop harassing me by their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. XXXX - XXXX EQUIFAX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid yet they continue to call me! Portfoliorecovery.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX XXXX Bank acct # ending in XXXX for the date of last activity, payment history, status * and the dispute was returned verified. 

After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XXXX XXXX, 2009 ), this Notice includes

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Making/receiving payments, sending money

Complaint: Premise : I ordered book of checks via US Bank web-portal service. 
Few weeks went by, still not having received the checks, I called in to find out that they have sent it to some random address. The rep then proceeded to cancel the incorrectly mailed checks, and issued me new ones with the correct address. 
Here is the caveat : the rep issued the new checks with EXACTLY the same number of the checks he had canceled therefore rendering all newly issued checks useless. 

Result : All the checks I had wrote ( lot outstanding keep in mind as I had to wait about 2 months from the initial ordering date ) were bounced. Out of all the bounced checks, XXXX was actually to the XXXX, where we had paid higher premium to have an application expedited for a family member. What was suppose to be the tail end of 2-3 month process had to start ALL over, not to mention penalties that came along with it. 

Actions taken : I called multiple times and was assured multiple times that a supervisor would call to discuss reimbursement of the penalty fees applied for parties that deposited the incorrectly issued checks on behalf of US Bank. 
Even to their request, I had emailed over two attachments illustrating all the bounced checks/fees and even the rejected application letter from US Government due to bounced check. 

To this date, I still have nothing resolved. No reimbursement of the bounced check fees for my other parties. Nothing was done at all, other than an apology letter that says to call their XXXX number for any questions. 

Extremely frustrated, unprofessional and simply unacceptable for a banking institution to mess up to this degree and leave it unresolved.

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 05/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: all XXXX cr bu are reporting bankruptcy in 2006, this was dismiss, i was never in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: There are XXXX public records that appear on my XXXX and XXXX credit reports that have already been paid. Payments were made through a garnishment of my wages and they are refusing to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm writing to provide additional information regarding the complaint I started on XXXX XXXX, 2016 [ Case number : XXXX ]. 

I 've received the response from Freedom Mortgage through CFPB, and disputed the response they provided. I 've also looked at my statements closely since my original complaint and found that even on the statements that the company has sent me when my account was paid ahead, Freedom Mortgage specifies that {$0.00} of my payment for the next due date would be applied to interest. However, as they received my subsequent payments, I was still being charged interest for advanced payments. I had since been slowing down my advanced payments because Freedom Mortgage has been so adament about refusing to reverse the additional interest charges that I was afraid I 'd be spending more money than I actually owe on my mortgage, however, given this new realization, I 'd like to redouble my complaint against Freedom Mortgage, and subsequently XXXX who purchased my mortgage from Freedom Mortgage while Freedom Mortgage continues to service my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Bank account or service (Checking account) with U.S. BANCORP (AZ).
Issue: Account opening, closing, or management

Complaint: U.S. Bank representative choose to not honor the terms and conditions of a checking account promotion, saying that I do not qualify because I participated the promotion in XX/XX/XXXX. The published terms and conditions places no such restriction. The account was opened on XXXX XXXX. The terms and conditions states : " Offer is not valid if you have an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last six months, or received other U.S. Bank bonus offers in XX/XX/XXXX. '' After reviewing the published terms and conditions of the bonus, I asked 3 times to the status of my bonus and did not get an accurate response.

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 04/28/2015 about Mortgage (Conventional fixed mortgage) with Avalanche Title and Escrow, LLC (TN).
Issue: Settlement process and costs

Complaint: In XXXX 2013 I sold my home in XXXX CO. Since that time HUD contacted me regarding a balance I owed to them for an additional debt. I have worked out an agreement with HUD and paying that debt. Now Avalanche Title has began contacting me repeatedly demanding that I pay this debt immediately and I have no means of do so. They have contacted me via phone and now have began emailing me at my place of employment demanding that I settle this debt with HUD. I have other financial obligations and this was proven to HUD and this why they agreeded to accept the payment arrangements. I feel that Avalanche and the realtor did not do their due diligence in obtaining this debt information from HUD and now they are placing the blame on me. During the time of the sale I was dealing with a XXXX parent and stated honestly and without reservation that I was not sure of any other debt and truly could not remember any addtional monies owed on the property. I do not want to face any type of judicial issues regarding this sell and would like for Avalanche title to stop harrassing me regarding my payment arrangement with HUD.

Company response to consumer: Untimely response
Consumer complaint received 01/30/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Making/receiving payments, sending money

Complaint: In using BoA bill pay service, bank checks were not delivered to a BoA branch because the address had changed, and were not recreditted to my account until three months later. This is BoA 's stated practice, probably prevalent at other major banks. Meanwhile, with this practice, BoA adds to its liquidity crediting funds in transit, violating international central banking norms.

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX or XXXX, XXXX Equifax reported a security breach. I 've had to initiate fraud protection on my credit and will now have to monitor it for my own protection. So far, nothing has happened to me. 

This type of poor security has allowed a host of problems for myself and others. A company with this kind of structure should be wholly responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been disputing the late reporting on my credit file since XX/XX/XXXX. I informed Transunion that the late reportings from XX/XX/XXXX - XX/XX/XXXX was inaccurate and they stated that they verified information with XXXX XXXX XXXX. I contacted XXXX via dispute letter and asked them for proof of late payments and they have not sent me anything to date. They just sent a letter that states credit report is accurate. I am asking for your assistance in rectifying this matter. Because these inaccurate late reportings is hurting my chance of a new home purchase with the interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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 contacted Experian to dispute an account reporting 30 days late on my credit report and it was never 30 days late I submitted proof of dates I paid my bill including the due date and the error was not corrected. XXXX XXXX is the company reporting 30 days late forXX/XX/XXXX and 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 04-05-2017 about Debt collection (Medical) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: convergent outsourcing, inc., is trying to collect a debt that is not mine. they say I owe XXXX but I do not owe any money to XXXX. same scam happened to me 2 years ago and I accidently sent XXXX to a different company that said I owed XXXX money. spoke to XXXX 2 years ago and they confirmed that I did not owe them any money.

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 02/22/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Other fee

Complaint: On XXXX XXXX, 2016 we paid {$4000.00} to pay off our Citi Credit card ( last XXXX account # XXXX ) and received a interest bill for {$27.00}. Per statement and agent XXXX at Citi Bank they charge DAILY interest on the account for money owed up through the end of billing cycle and/or the time the payment is processed. The account was paid off based on their information and now they are charging us for money that has already been received by them. 

If they continue with " daily billing '' it will be impossible to pay off a credit card, if of course we paid per their billing statement. 

However, theoretically, even if I sent money and they received the money the same day as our billing cycle begins, they can still bill me interest for the hours or the day it takes them to process the payment. 

So according to their business model and legal agreement, I WILL NEVER BE ABLE TO PAY THE ACCOUNT IN FULL!

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 07-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had some loans prier to XX/XX/XXXX thru a bank. I filed bankruptcy on the bank XX/XX/XXXX. In XX/XX/XXXX the bank is reporting if as XXXX payments received and pay status as charged off. It is hurting my credit on buying a house. Plus I am having to pay high Intrust on anything I purchase on payments. Can this bank legally do this to me.? I feel this is unfair. It should n't even be on my report at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This website states that a debt collector can not call more than three times a week. This company calls me multiple times a day! I have a screenshot of my call log, four times today they called me! All during work hours, which I will not answer a personal call. 

XXXX The debt collector communicates with you or your spouse more than three times in one week. '' Transworld Systems/TSI XXXX is the number that calls me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: US Bank acquired my mortgage from Concorde XXXX. I originally had a mortgage for {$96000.00} with Concorde but US Bank has added so many erroneous fees that now US Bank says I owe {$100000.00}. I have been assessed fees for force placed insurance, property inspection fees, legal fees, late fees, etc ... The mortgage servicing company is XXXX XXXX XXXX. I have been working with XXXX to come to a resolution about my mortgage. According to the FDCA, Foreclosure proceedings should have been haulted while XXXX and I were in negotiations. I am constantly being harassed with correspondence from XXXX XXXX, US Bank 's attorneys. I feel this company is abusing its power by just adding these fees to my loan and trying to foreclose on my home even though I am working out a resolution with XXXX. I have been denied employment and affordable housing because of US Bank. The loan was predatory from the beginning and has become completely un-manageable for me to bring the account current. I am asking that all collection and foreclosure activities stop.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AR).
Issue: Problems when you are unable to pay

Complaint: I bought a car in the summer of 2015 financed through Santander Consumer USA. Santander reported a charge off to my credit report even though I still maintain possession of the vehicle and the account is current. They refuse to redact the charge off and negative reporting from my credit or even refuse to report the account in good standing and the on time payments i 'm making. Sounds predatory to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX I lost my wallet and Citicard mastercard while out. I later learned that repeated fraudulent charges for an identical amount of around 200.00 were made on that card. I was not notified by Citi about the charges or the nature of the charges which should have been a red flag despite being enrolled in their protection program. I learned of the charges when requesting a new card. I disputed the charges at the same time. They were refunded to my account. 

Subsequently I have received repeated inquires from Citi regarding this dispute. In XX/XX/XXXX I  contacted the company and answered intrusive questions regarding the loss of my card and this inquiry. This is well after the 30 days that Citi has to close this matter out. 

Today, XX/XX/XXXX I received another inquiry for more personal identifying information which I will not be providing to Citi. They are well past the deadline for resolution and have crossed over into privacy based violations. I would like assistance in compelling them to close this matter out.

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