milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: This complaint is about my Amex Platinum consumer credit card and a separate but related Business Platinum card, and the deceptive marketing around the use of Membership Rewards points. On XXXX XXXX, XXXX, I used " pay with points '' on the Amex Travel website to purchase airline tickets on XXXX XXXX for XXXX points, equivalent to {$470.00}. My purchase was eligible for the 50 % bonus reward because I have both the Platinum and the Business Platinum card. AmEx marketing said when I signed up for the card : " You 'll receive 50 % of the Membership Rewards points used for flights with your selected airline back. '' My selected airline is XXXX. In the past ( on XXXX XXXX ), I received the bonus the day after the Pay with Points purchase ( see attached screenshot ). However, I have not received my 50 % bonus for the XXXX XXXX purchase - 19 days ago. I have spoken with 7 different agents at AmEx and AmEx travel, including 2 supervisors. They all say I used my Platinum card ( not eligible for 50 % bonus ) instead of my Business Platinum card for the Pay with Point purchase. But that 's not true. Whey you pay with points, you use your online login to make the purchase - and my login is tied to BOTH accounts. My understanding from the website is that as a Business Platinum cardholder, any Pay with Points purchase with XXXX would receive the 50 % bonus. I have no idea why the charge was posted to my Platinum card instead of the other one - I thought all Pay with Points purchases would post to Business Platinum since no reasonable person who had both cards would use the one that is NOT eligible for the bonus. I asked if they could transfer the " purchase '' ( not really a purchase since it was with points associated with both accounts ) from the Platinum to the Business Platinum card, and they refused. They also refused to manually credit me with the points, even though they clearly have the ability to do so. This seems like a trap designed to rob people of their points. I pay {$900.00} in annual fees for this Pay With Points benefit, and it is not fair to deny me these points, which I have earned by carefully following their rules and jumping through hoops to book a flight on their website and on the specific airline that is eligible for the reward ( XXXX ). I would not have applied for and used a Platinum card at all ( business or consumer ) - and I would not have booked these particular flights - if I had known they were going to deny me my points.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX has repeatedly failed to separate my dad and I in there credit reporting system. Over the year they have said they would fix in and have not. After the XXXX breach I locked my credit and then locked my dad 's. I bought a rental and could not unlock my account. I called XXXX and they again detected that they have my dad and I mixed. I was told my file was being sent to maintenance. 

Today I went to purchase a car and the credit union informed me that they could not give me a loan since I was now dead. My dad passed away last month. Between these guys and XXXX there should be a lawsuit.

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 04/26/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX. This company calls my work number, my home, my cell, and various relatives constantly and repeatedly. I dealt with this company several years ago and they lied to me and told me that I was already being sued but if I agreed to a payment at that time the suit would be dropped. That was a lie. Now I am dealing with this company again and the calls are constant. I ca n't believe a word they would say after the last time. 
In addition, they recently called my sister in law and told them they were a debt collector looking to collect a debt, and could she give contact information or pass that on. I was under the impression they are not permitted to disclose that information to a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with AR Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP REPORTING IMMEDIATELY! Furthermore just for the record as per  73 Am Jur, 2nd, Section 90 AR Resource  has no right to " subrogate ''  (  substitute ) yourselves into a contract, whether it is by purchase, assignment, transfer, or trade. If  AR Resource  " bought '' the debt, AR  Resource  did it on their own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction ''  (  voluntary payee ). AR Resource clearly violates  HIPAA, if AR Resource  refuses to delete all information you have furnished to any and all credit bureaus, and AR  Resource  must destroy any information about any alleged account they claim to have with me, to prevent your company from pursuing any more collection activity against me, and if A R Resource s hould sell, assign, transfer or trade the alleged account to some other entity to attempt collection, I will also file a formal complaint to the Departme nt of Health and Human Services and the  Office of Civil Rights against AR  Resource..

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Settlement process and costs

Complaint: My rental home has been in a short sale for 7 months and the company that bought my loan out from XXXX is SPS portfolio managing. Both companies have made the processing time on the sale of this home unbearable. They have had several offerss and a XXXX where offers began and they have still found every reason to not allow this loan to close. They never give me nor the title company involved the same or correct information. I have emails strings that go on for months about contacting the company and what they say they need in order to close this loan, yet they have not be efficient or effective in communication with myself, and the closing company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In 2013 I took a private student loan with Sallie Mae for my son who is still in school. I took a loan with a fixed interest percentage, and I 'm suppose to pay only interest while he is in school ; however, I always send an extra payment in order to decrease the loan. I have noticed that the monthly minimum amount changes, but I will not be able to tell you the exact amount because the do n't send statement and when I sign into the website they provide you a list of peymrnts received but they do n't provide how yo retrieve statements. The original loan was for XXXX and it is 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 09/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX lost XXXX of my payments made in XXXX XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XXXX XXXX XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX XXXX ) speaking to them verifying the payments were made and on what days. XXXX XXXX refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. XXXX also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against XXXX XXXX concerning the documentation that I nor the primary borrower received with the XXXX. XXXX XXXX claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. In fact XXXX is still reporting to the credit bureaus as if this account is open and active showing late payments from the month of XXXX XXXX up until now even though the status should reflect chargeoff

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax exposed personal credit report information to unknown sources.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Had mortgage with XXXX had the loan modify the loan it was raise and extended to ten year the payment was set at {$720.00} a month made payment on time the contract was turn over to XXXX XXXX XXXX this is where everything change. I complaint my payment went up as much as {$890.00} for three month drop down to {$850.00} inquire about dropping the PMI receive paper on escrow nothing concerning PMI next letter the payment was turn over to Nationstar which sent a notice for my XXXX payment that for {$3000.00} I ca n't pay that sent my regular payment but my next notice was for {$1.00}. Do n't understand XXXX mortgage within eight years When I purchase this house it was with a contact the have change everything concerning my contact.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE ID XXXX XXXX XXXX XXXX NOT MY ADDRESS!!! 
REMOVE XXXX XXXX NOT MY JOB. REMOVE BUSINESS ADDRESS XXXX XXXX CT NOTMY BUSINESS ADRESS DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 06/23/2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Credit determination

Complaint: According to my credit report, acquired on XXXX XXXX, on XXXX XXXX, 2016 SYNCB- an airline credit card provider has hit my credit score. Although I receive many proposals indicating pre-approved credit through mail, I had no interest in credit card application from this type of credit provider. I would like to dispute their credit check if that is their source of information to send me pre-approved proposals.

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 08/19/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Trouble during payment process

Complaint: Thr issue is the 3 times in the past 4 months I have attempted to get them to pay the escrow refund dune from my account. They are holding it and claiming to have issued a refund for the amount. It has never arrived. They promised it within 10 business days each time and it has never arrived. I recieved my normal monthly correspondence from them today so I know the mail is working properly meaning the company, freedom mortgage, has been stalling the past 4 months.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: From XXXX XXXX to XXXX XXXX account my wife and I ( XXXX XXXX & XXXX XXXX XXXX XXXX made payments to our home equity line of credit with Bank of America ( A/C # XXXX XXXX. Our payments were made according to the terms of the loan and in excess of the amount due each month. In XXXX and XXXX of XXXX, payments were made, and subsequently returned to us because, according to Bank of America, we were not paying less than scheduled amount. This payments were no different from the ways we have made payments of XXXX in terms of paying more than scheduled amount by Bank of America. Therefore, the only XXXX months where payment failed to post to this account were due to payments returned by Bank of America. 

In addition, the payments which were designated as late on the attached credit report are not designated as late payments within the Bank of America system. Please see transaction dates between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX vs XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. As you can see from the Bank of America print out, also attached, there are illogical and indiscriminate late payments/fees associated with the account XXXX. There should be no such notations since payments were made every month as required for this HELOC, from XXXX XXXX to XXXX 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 03/24/2015 about Consumer Loan (Vehicle loan) with TMX Finance LLC (UT).
Issue: Problems when you are unable to pay

Complaint: I XXXX XXXX XXXX XXXX XXXX vehicle Last XXXX of vine XXXX. I added somebody to the tittle and they changed the address. It was steele addressed to me but he opened my mail, forged my name and went and got a tittle loan. the y have auctioned off the truck but there has been a pleace report filed in XXXX XXXX XXXX, Utah. Its not A civil matter and im earitated about my mail being breached and athorityes not doing there job

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2015 I made an online ACH payment for my student loans. I called the Citizens Bank XXXX online teller system that evening to verify my checking account balance, and discovered that this transaction caused an overdraft of {$47.00}. Early the next morning I made a {$50.00} cash deposit around XXXX The deposit revealed my account balance was now {$2.00}. Later that evening on XXXX XXXX I again verified my checking account balance using the automated teller system. This time I discovered that the Citizen 's Bank XXXX had charged my checking account an overdraft fee of {$35.00}. I then asked to speak with a manager to find out why the bank charged a fee when my checking had a balance of {$2.00} earlier that morning. The manager, whose name is XXXX responded by telling me that the bank could charger a {$35.00} fee whenever they decided to. I do n't feel that I should have been assessed this fee, in addition to additional fees which followed, since the fee itself created an overdraft from the earlier balance. When I received my paycheck that Friday, XXXX XXXX. These amounts had been deducted. I would like to have the fees removed to resolve this issue. In addition, I did not opt to have the overdraft protection offered by Citizens Bank XXXX, so if my account did not have the funds when I attempted to make a student loan payment online, the transaction should not have gone through as payable. 





led the toll free banking

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-09-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Yes it 's been awhile I been using my credit card and I always pay on time and I am always careful to not mess up my credit so recently I checked my credit score and I see its XXXX and XXXX and just like a few days ago I see it had dicreased for no valid reason now it 's XXXX and XXXX I felt really shocked and ca n't even go to sleep the whole day if u guys can solve everything out cuz I really take care of my credit and it 's been 2 years I been using it if u guys can help me out I will really appreciate it? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FEDERAL FINANCIAL SERVICES INC (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/2017. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I was notified that a personal and business checking account was fraudulently opened online with a bank that I have never even heard of and that does not even have branches in my state. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: U have contacted the credit bureau several times on several different attempts and occasions ... I have not received and proper paperwork or updates on the request that I have asked. It show that taxes liens are reporting on my credit file.. There have been a serious error I have no liens. These files have to be for someone with the same name.. This is putting my life at a stand still and a hold.. Which is absolutely not fair to me or my family

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I had my loan with country wide bank of America took it over everything was fine until I feel on some hard times last year. There collections department called and I was able to set up a repayment plan to get caught up but then even while I was making all my payments on the time table they set up for me every few days they would call me and tell me my home was going into foreclosure and I side I 'm making all my payments on time that they had set up. They then told me that until I made the last payment they had the right to call me any time they wanted. I got everything caught up last month I made my payment early this month I am a little tight but will have it payed before any late fees go on it which is how I paid it for years and they never called or complained about it now they have there collections department calling me way before the grace period is up I still have 11 days in the grace period. I filed a complaint at the bank when the issue with the harassment during the repayment and got no results. I have always paid extra on my loan and did even on the repayment plan and every month since I do not think I need to be harassed before I am out side the grace period.

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 01/14/2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: When attempting to get my credit report from all three reporting agencies using https : //www.annualcreditreport.com, I was given an error message that Experian was not able to process/handle the request online and that I would have to manually fill a form and send via mail in order to receive my 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