milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Advertising and marketing

Complaint: I was on XXXX attemting to make a purchase of a pair of shoes when I noticed that there was a link from AMEX on XXXX stating that if I qualified and purchased the shoes from AMEX that I would receive a XXXX credit towards the purchase. After I applied for the AMEX XXXX and was qualified I was brought back to XXXX to complete my purchase. The transaction went through. The next day I was notified that the transaction was declined by XXXX as Amex would not allow the the transaction to go through. I then called XXXX and spoke with XXXX who verified my name address and the last XXXX digits of the instant card number I received. she then assured me that my transaction would go through. 
The next day I was sent an email from XXXX stating that the transaction has been declined by Amex and that I should call them. I called AMEX and asked why I was declined and they said because the XXXX transaction does not meet with their terms and conditions on an instant account. 
Why would AMEX and XXXX advertise on their website an incentive to get the AMEX when they wont even honor a transaction from them? Why was I brought back to XXXX after I qualified for an instant account to complete my purchase if it was ineligible? I would not have applied for a card that would do nothing for me with reference to the transaction. This is a clear XXXX violation. When speaking with AMEX I had referenced XXXX several times and all they could do was apologize. This is wrong and consumers should not sign up for this card if AMEX can not honor the transaction on the Website it was advertized on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NE).
Issue: Making/receiving payments, sending money

Complaint: A debt collector contacted me via fake process server to give me a heads up for a debt from 2011 which I do not owe. They claimed a Wells Fargo bank manager signed an affidavit that I took out a pay loan in the amount of {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NC).
Issue: Other transaction issues

Complaint: I use paypal for several years and reciently was given an option to make " paypal '' credit my default payment option. When I did this, about a week later I got a call from my bank saying I was over drawn upward of XXXX+ $! This was overdraft and nsf fees included. I called paypal and was basically told that I should have known I could n't use paypal credit as my XXXX funding source and they refused to fix the issue. I called my bank and they say said unless paypal admitted fault they couldnt refund the fees. I went back and fourth for almost 2 weeks and by this time my bank account was nearly XXXX dollars in the negative! I spoke to a manager at pay pal again and he basically told me in no uncertain terms that it was not his problem that I was n idiot and did n't know how to read fine print. I took a screen shot of the page where I checked the box asking if I wanted my ppcredit or my bank to be my XXXX source of funding, and nowhere on that page, in any fine print does it say that my bank would remain my XXXX funding source. Now I have payed my bank back out of my own pocked ( technically paid for services XXXX ) and now paypal is demanding I pay them over XXXX dollars because my bank requested back the money taken out, which they have yet to return. I truly feel this huge corporation which I used to be completely fond of and found extremely convenient has gotten too big for their britches and has gone from a caring consumer driven company to an unethical money hungry company who could care less if they lose one little peon like me. 

Saddened and still in the Negative, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company keeps calling me, does n't say anything. Has silence on the phone. Then when I call back to see who it is they advise me they are a collection company. Wont provide any information other than the name " Phoenix Financial '' they are very rude and they do not fully disclose who they are & why they are calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On several attempts I have reached out to this company in regards to inaccurate information on my credit report. I have sent company ( XXXX XXXX ) 3 certified letters advising them to provide proof of said debt as this does not belong to me! Company has refused to respond and provide proof and refused to remove this incorrect information from my credit report! I reached out to Transunion to obtain proof that his debt was verified as belonging to me and they have also failed to provide me with the proper documents of this debt.

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 07/22/2015 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (MO).
Issue: Managing the loan or lease

Complaint: The BMW auto lease we tired to pay off the loan however they refused to take the last XXXX payments. We requested validation from BMW and they only sent a form letter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was checking my credit report and I saw a credit card from XXXX XXXX was opened in XXXX XXXX and I was n't in this country! I got to this country in XXXX XXXX XXXX and the credit report says that I have a balance of {$1200.00} and I have no idea about that credit card and I can prove the date I entered to this country

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Medical debt) with Fidelity Properties Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX whose address is XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I sent a letter in reference to multiple collection accounts I had found from them on my XXXX Credit Report. I asked for verification and validation. I received a letter from them dated XX/XX/XXXX which  included simply a list of all of the supposed debts that they were attempting to collect on. They never provided documentation from the original creditor or anything at all that had my signature on it. They provided nothing to me that proved they have a legal right to collect this debt. It is not enough for to simply send you a printout of the amount owed. In fact, shortly after their response letter to me on XX/XX/XXXX, they began listing these supposed debts on my XXXX Credit Report. They were never listed on my XXXX Report at all prior to this time, and most of these supposed debts show open dates three or more years ago. It would appear to me that after my request for validation/verification that they not only did provide to me the required documentation but also retaliated by adding the supposed debts to another credit bureau report. Since XXXX XXXX XXXX has not provided any of the requested documentation to me, I insist that all of these account be deleted from my XXXX, XXXX and XXXX  reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Medical) with RSH & Associates, LLC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I called XXXX XXXX & XXXX XXXX XXXX XXXX in XXXX XXXX, KS. I told them that I had no insurance and asked what the cost of an adjustment was and was told {$42.00}. I made an appointment, was adjusted and when I had to pay they said that I owed {$130.00}. I about cried. I paid {$65.00} at the time of the visit and fought the additional {$69.00}. It was wrong what they did! They told me that it would be sent to collections which it was. I went ahead and paid the {$69.00} just to keep it off of my credit report. They are now saying that I still owe {$76.00}. They stated that they gave me a discount at first but since I did not pay it in full right away they are charging me an ADDITIONAL charge of {$76.00}. I went in thinking that I would have to pay {$42.00}, I ended up paying a total of {$130.00} ( which they stated I owed as of XXXX 2014 ) and I have the remaining balance of {$76.00} with RSH & Associates in Kansas. This is NOT right!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: I had met with a senior mortgage consultant in XXXX of XXXX to fill out enrollment paperwork for the XXXX XXXX XXXX program. She opened the account that day and said I was all set and we made the first deposit. She told me follow the instructions and to contact her when I was ready to start looking at homes to buy. For the next 10 months I made my monthly deposits. When I started to look at houses I emailed my mortgage consultant and made sure I had all of the deposits made and was on track. She then had me attend a first time home buyers workshop. I completed that and sent her the certificate again making sure I was all set with the XXXX. When I went for a preapproval in XXXX of XXXX she said I had 24 months to use the XXXX grant. I did not end up purchasing a house then. When I emailed her again this past XXXX, I did not get a reply so I emailed another mortgage consultant. She proceeded to tell me the original lady was not with the bank any more and that I was not enrolled in the XXXX XXXX XXXX program. I sent all of my enrollment paperwork to prove that the account was open and was told that the bank had made a mistake and my paperwork was never filed. I was told that when I applied for the actual mortgage the bank would make it up to me as I was losing {$8000.00} in the grant. I just went in last night to talk to my new mortgage consultant to fill out an application because I had found a house and put an offer in, she told me that the best they could do was to maybe reduce my interest rate by XXXX of a percent and that i would not get any where near the {$8000.00} that I lost from the grant.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was " impacted '' by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Account opening, closing, or management

Complaint: I am complaining about my key advantage checking account from Key Bank. I used a promotion code of {$300.00} bonus for opening this checking account and do not get the bonus. 
The {$300.00} bonus required {$1000.00} direct deposit and 5 online bill payments within 60 days from account open date. I met all the requirements, but Key Bank said I did not. The bank said my account open date is XXXX/XXXX/2015 and I met the requirements on XXXX/XXXX/2015 so I did not met the requirements within 60 days from account opening date, which I think is ridiculous. 
I did applied this account online on XXXX/XXXX/2015. But after submitting the application, I was told that the account was unable to be opened online and I had to open this account in a branch. 
Then I went to a KeyBank branch on XXXX/XXXX/2015, opened the account in branch. I made an initial deposit of {$50.00} which was posted on XXXX/XXXX/2015. 
I made the {$1000.00} direct deposit on XXXX/XXXX/2015. I made five online bill payments on XXXX/XXXX/2015 which are posted on XXXX/XXXX/2015. I definitely met the requirements within 60 days from my account open date XXXX/XXXX/2015!!!!! 
I went to a branch ( locating on XXXX XXXX XXXX, XXXX, OH XXXX ) on XXXX/XXXX/2015 to ask about my {$300.00} bonus. I was told I did not met the requirements since the account open date in their system is XXXX/XXXX/2015 and I should completed requirements before XXXX/XXXX/2015. It is ridiculous! My application was rejected on XXXX/XXXX/2015 online, I opened my account in a branch on XXXX/XXXX/2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/26/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Over the last 12 months I have sent multiple letters to Equifax stating XXXX XXXX wrote off this account for company tax purchases. It should not still be on my credit report because XXXX XXXX took the tax credit once this account was written off. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello I tried to file a deed in lieu of foreclosure with Nationstar mortgage ( account number : XXXX ) and I submitted all the required forms to my rep, XXXX XXXX, but she never responded. The first time I submitted the forms via fax was on XXXX/XXXX/2015. She did respond. I called and emailed her again on XXXX/XXXX/2015 and XXXX/XXXX/2015 and again, no response so I refaxed all requested documents. She still did not respond. I finally reached a deed in lieu representative on XXXX/XXXX/2015 who told me my home now has an auction sale date of XXXX XXXX and I can no longer qualify for a deed in lieu because there is a sale date. At that point I then enlisted the help of my agent XXXX XXXX to try to attempt a short sale and he submitted a request that same day. Still my request was denied because I was told there was not enough time to review my short sale request. I 'm very upset because I initially did everything I was told to do to complete the deed in lieu on time before a sale date was even put in place and because the rep refused to return my calls or emails I 'm not unable to complete a deed in lieu or even a short sale now. 

Please help as I feel my lender did not operate in an ethical manner and I 'm now unable to pursue any other options. 

Thank you. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for a loan modification with PNC Mortgage Company and have been denied. This time with no explanation. They have continued to deny my request at every hand. I asked if they could give me a silent second mortgage on the arrearage 3 months ago and they stated no. 
Please assist me in this matter as I am now being forced to file bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Closing/Cancelling account

Complaint: My credit card was canceled and all my XXXX points got forfeited. I earned the points through more than 3 years business with CitiBank and I was saving them for my next family vacation.

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 02-04-2017 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My wide and I divorced in XXXX. As part of the settlement she was awarded our recently purchased home and XXXX rentals - and after my financial contribution, she was made responsible for the balances due on the mortgages. In late summer of XXXX I began receiving messages from the mortgage holders that payments were delinquent, and eventually I received phone calls from them. I explained the divorce and that the responsibility for payment belonged to her. I then contacted my attorney who, through her attorney, threatened to file contempt charges if she did not keep payments current. When calls from the mortgage company continued, I emailed my ex-wife about the missed payments. She replied by email that she was doing it to ruin my credit score. ( Her sister told me that she had told her the same thing ). I forwarded her email to her attorney who must have convinced her it was a bad idea, because she began making on-time payments. I also informed the mortgage companies of the email statement and was told they had documented it in the mortgage file. 
I recently was told that my credit score had dropped significantly, so this morning, I requested copies of my free annual reports from the website. Although I thought I had selected to see reports from all XXXX credit reporting agencies, the only XXXX I was able to access was the XXXX from Equifax ( which does show late payment on the mortgage account mentioned previously ). I tried to request the XXXX and XXXX reports a second time, but received a bounce telling me to come back in 12 months. I can not find a way to access the requested reports from XXXX and XXXX but since I have not done so, it seems they would still be accessible to me. 
Please provide instructions on how to access the credit reports from XXXX and XXXX 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2018 about Student loan (Private student loan) with AES/PHEAA (ID).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: A couple of months ago I contacted American Education Services and I asked them if they could work on changing my payment plan. My wife just had XXXX and we are struggling to make all of our monthly payments. They told me that I've used up all of my forbearance which was when I first got out of school during the recession. Since then I've been paying close to a $ 900+ per month for about a decade which has not been easy since I have another student loan payment of {$1200.00} with XXXX. They told me that their is nothing that they could do and that they were not willing to help me in anyway. I've tried going to other companies to see if I could consolidate my private student loans but no one out there will touch it. The other interesting little fact is after all of this time I still owe roughly what I borrowed. So I'm stuck and I've been stuck with a variable interest rate. So after that discussion I decided to cancel my auto payment which is frustrating because now it is effecting my credit score and my parents since they are co-signers. 
The last thing that AES decided to do, is this month they ended up taking money out of my bank account after I cancelled auto payments. I went and double checked to make sure on their website that I cancelled auto pay and that I removed my all of my bank account information which I did. " AES '' decided to switch it to a direct debit without my consent. This seems illegal to me. 
These Private student loans have been an absolute nightmare for me and my family. The biggest mistake in my lifetime has been borrowing money for college ( Private Student Loans ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient has tried to re-open a private student loan account that has been " charged off '' AND " closed '' on my credit report. I have not made a payment in 7 years exactly this month. They re notified the credit bureau trying to say this is an open account and it is not. It has passed its 7 year date of non payment. I believe they are just trying to still receive payment after transferring from XXXX XXXX. They were rude on the phone stating my account '' never closed, it is open and you are currently accuring interes. '' They wont work out a repayment plan I can afford stating i had to " Give {$1000.00} down then XXXX {$100.00} payments and only then will they tell the credit bureau I am in good standing. '' Or I could '' pay {$290.00} for the next 8 months '' before they put me in good standing. The would not accept less. Dont they have to work with me? However, this account is closed and charged off. Is it not illegal to put its status back into repayment and start charging me interes again after its been closed. Its been 7 years ... I found all of this out because I tried applying for a mortgage loan and they company told me what Navient reported to them. Can you please help. I have heard and read nothing good about Navient. This account originally went to collections because I got a divorce and lost my job and just had a baby I had to support. All my other federal student loans I have made good one. Please help me correct this. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: This in a complaint against wells fargo Bank with my checking account, yesterday I made a claim by telephone because they have made a transfer and payments from my account to others without my authorization is fraud, as well as paid withdrawals. To my surprise they have mocked me because my claim did not take, today call to follow up on my claim and told me that there is no claim. I thought this bank respected its customers. What I did was to waste my time and my money because you are pure fame and marketing because they are not responsible for fraud cases, as they say when there will be an account and the automated system also, everything is lies. I feel humiliated and mocked as well as discriminated against.

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 06/16/2017 about Mortgage (VA mortgage) with Ditech Financial LLC (IN).
Issue: Incorrect information on your report

Complaint: XXXX   DI TECH Financial LLC   XXXX .  XXXX   XXXX   XXXX   XXXX  SD, XXXX  Contacted them o n 3  different occasions and offered to provide them with any documentation needed to get this off of my credit. This account does not belong to me.

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