milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Delta sky miles American Express card Signed up for card with delta agent at airport for XXXX miles -also received delta mailing with XXXX offer ( thought it was welcome kit ) also received card and separate mailing with pin. when I called to activate card and confirm I received offer of XXXX miles with $ XXXX purchase in 1st 90 days - Advised by Amex rep I only have XXXX mile offer - and she could/would not change - I asked for manager - she advised none avail all in meetings. After over 30 min requesting correct offer and supervisor - rep advised she would file case for me. She advised it would take 8 weeks - ironically- offer would expire by time case resolved - I feel I have been deceived and scammed. Rep not helpful and not willing to escalate to supervisor. I requested supervisor call back after XXXX XXXX next biz day - recvd call at XXXX XXXX - advised I could not take call during work - asked for number to call back and supvr name - advised she would/could not give her number and I requested call at XXXX Now XXXX XXXX no call from Amex - i feel this is extremely deceptive - classic bait and switch - offered one promotion and not enrolled properly - I offered details and still denied the appropriate offer. Amex case process does takes 8 weeks so participants can not earn XXXX reward. Big company making it so difficult to resolve issue that consumers give up! Please help consumers stop the bullying by big financial services companies!

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit card () with U.S. BANCORP (TN).
Issue: Transaction issue

Complaint: I answered an email for at home work opportunity, posting links. I was quickly talked into setting up a business and paid {$9800.00} to begin. After several coaching sessions ( 30 min ) with assignments ( lining up products, etc ). I was asked to pay for a blog. I never made a penny out of this. They said they would also promote my website, increase my sales and traffic. I terminated my services after contacted by XXXX. All these companies were calling me offering an online related service and asking for 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 07/23/2017 about Debt collection (Other debt) with CBM Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: upon researching my credit report, i noticed an agency that i had never heard of nor conducted a contract with had reported to my file that i owed them money on behalf of a debt of mine that they received through an old bill collector. i contacted this bill collector who i had a previous contract with and asked for the contents on the debt i owed to them. This information was received and indicated that the party on my credit file was not collecting on behalf of the original party of whom i contracted with. i then notified the original party that i have been made aware that by debt to them was paid by a third party that i do not know but is claiming to own my debt. It is clear that i no longer owe this debt to them and they are to reflect my account with them as so, they refused. also i would like the account of the third party who unlawfully collected my personal information from someone not myself to be removed from my file. I never contacted this company directly neither have they to me therefore no legal contract between us can be shown. if they have one they must present it. also these companies or any other for that matter have received permissible purpose to report anything to my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Other

Complaint: My account with Walmart was closed due to missing payments. Thus, credit reporting had been suspended. Paper bills were not mailed to the address on file. I missed two payments. Recently noticed that negative information had been reported to credit bureau from this company. Would like someone to look into their ambivalence. It appears that they only report to credit bureaus when there 's default. Otherwise, the credit history is not reported. Why should this happen?

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 10/17/2016 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Cach llc is headquartered in XXXX, XXXX Cach llc has failed to verify the {$100000.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification. I still have the document i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action in route to filing a lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. My complaint can be deemed satisfactory when in writing, the reported debt is recognized in error on the collection agency behalf, mailed to me and all XXXX of the credit bureaus, as it is currently reported illegally.

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 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax refuses to address the issue on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avant Credit Corporation (AZ).
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: XXXX XXXX was reported late 60 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: I financed a vehicle at XXXX XXXX in XXXXXXXX XXXX, Mo. Three days later I was contacted by XXXX XXXX that the financing did n't go through, so upon returning the vehical,, I was told by XXXX XXXX that my trade in was sold, and they would work to get me financed, after continued visits ( 20 days ) to XXXX XXXX, the temporary tags expired, I surrendered the vehical and was told that I was just out of a vehical, I contacted the company ( santander ), to see if I could get my trade in vehical back, was the transaction was final, that they receive the payment off, they sent me a paid in full letter, and reported the vehical to credit agencies as paid in full, I didnt receive any correspondence from either companies, until six months later, by phone stating that they ( santander ) were going to reinstate me to the vehical, and that I was six months behind, in payments, the original transaction was on XXXX XXXX, XXXX, the trade in vehicle was sold on XXXX the XXXX, XXXX, in XXXX of this year I was giving {$1500.00}, back in check form from down payment, and another {$1500.00}, in XXXX, which i have n't cashed, at this time, I purchased another vehical on XXXX XXXX. I told the companies that I have financed another vehicle and can not afford two car notes. I photographed the ( my ) traded in vehicle on XXXX the XXXX, on XXXX XXXX car lot, ( for sale ), and I have a copy of the advertising sale, of the traded in vehical. Doing the twelve months I owned the traded in vehicle I was never late with payments, now after this situation my credit score has dropped over 100, points, and I have been denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX is chasing me for a debt I have no idea about. They first made contact in 2015 calling a cell phone they didn't have permission to call. I advised the lady at the time to remove this number from there system as it was against the law for them to call me like this she responded " What do you not pay bills you rack up? We are also not going to stop calling you. '' And called 3 more times later. Fast forward to 3 months ago. I have a different number only 3 months old. They start calling again I advise the lady it is a cell phone. I don't not have any type of business with please place me on your do not call list. She says ok and hangs up. About a month ago I get two calls in one day. Both lady 's tell me because it a vaild number it will not removed from there systems I hang up. Last night I receive another one but, missed it so I call back I tell the lady on the phone again that this is a cell phone number and to please remove my number from your system she asked what my name is I tell her I'm not verifying anything stop calling this number as I have now request 4 times now. That I would be in contact with a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with SYNCHRONY FINANCIAL (WV).
Issue: Billing statement

Complaint: I just want to make the Bureau and others aware of the shady practices of the Old Navy Credit Card. I got the store card to use when it would save me money which was only on certain days on certain items, so I used the card rather infrequently. Because of the infrequency ( Maybe 3 times a year ) I requested that I receive paper bills, so I would remember to pay it. An alert popped up on my credit tracker yesterday and upon investigation I had a bill from 9 months ago with Old Navy that had been stacking interest and late fees. When I called I was informed that because my card was used so infrequently my statements were changed to electronic only without notifying me. They said they were being sent to me via email. Which is of no use because it goes to a spam account that I rarely check, thus why I never requested electronic statements. 

I feel that it is an unfair practice to change from paper to paperless without notifying the customer. When I expect my communications to come via mail, as requested, I do n't look anywhere else for them. Also in the 9 months, I never received a phone call, or a letter in the mail. I would assume after so long they would make attempts to reach me by other means. I believe email should not count as a method of reaching me as we all know many people do n't check those types of accounts or it gets caught in spam filters. 

My initial bill was {$19.00}, my current bill was {$120.00}. Upon calling they reduced it to {$60.00} which I was fine with paying. I understand there was also some negligence on my part for not remembering to check shortly after I had made a purchase, but I had established a system where I should not have to do so. It was mostly due to the deceptive practices of the bank. As of now I have resolved the issue, if the delinquency appears on my credit report, then I will be pressing the issue further. I want to make others aware so they can be on the lookout and be aware of these types of practices, and I would like for the government to step in and evaluate the ethics of these types of measures.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: check was cashed fraudulent and i have the proof.

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 10/31/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: We have faxed our insurance information to the mortgage company twice. They continue to claim they have not received the information and threaten to buy insurance for us.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Midwestern Health Management INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Utility that was to be satisfied as part of a foreclosure settlement with the mortgage holder

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 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: Investigation took more than 30 days

Complaint: On or before XX/XX/XXXX; AND on or before XX/XX/XXXX ; AND on or before XXXX XXXX, XXXX ; AND AGAIN on or before XX/XX/XXXX, I have repeatedly disputed - via Certified Letters - to both the creditors as well as to all three Credit Reporting Agency ( TransUnion / XXXX / XXXX ) without any success! All three are reporting incorrect statuses. No response other than a computer generated response from the Credit Bureau stating they will review / investigate. Because of the Creditors or Credit Bureau not responding indicates a clear violations of the FCRA. <P/>Please be advise that I have sent over twenty certified letters ( 26 to be exact ) since XX/XX/XXXXto both Creditors and as well as to all three Credit Bureau Agency disputing and requesting debt validations. These alleged debts have been on my credit report since XXXX, though I paid these debts in full in XX/XX/XXXX!. <P/>I have requested Debt Validation from : XXXX : a ) XXXX Acct No. XXXX b XXXX XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX  XXXX XXXX Acct No. XXXX TRANSUNION : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. 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 non-monetary relief
Consumer complaint received 07-12-2016 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: I am filing a complaint towards JP Morgan/Chase Financial Mortgage services in the XXXX California region. I believe that when buying my home, employees of this institution were in violation of TILA-RESPA Integrated Disclosure ( TRID ) based on my basic understanding of this regulation. My husband and I received multiple closing disclosures with various amounts owed to us or owed by us until the very hour we were to meet with the notary for our final signing ( we were to sign documents at XXXX on XXXX XXXX and the last email communication was at XXXX PST ). In the final documentation, pertinent information was omitted or incorrect ( e.g., it stated that we made no income in the year prior, it had another couple 's name, social security number, and other private and confidential information ). We also had no opportunity to ask questions, revise or amend these disclosures. We were threatened multiple times via conference call, text message, and email that we would not close on time should we delay this process and had been told that as this was a VA loan, they [ the VA ] required specific documentation and must meet strict timelines. Although we currently live in our new home, we are still asked to sign documents for the loan application that have missed our signatures or were not completed correctly which needed to be completed prior to closing. Further, we received multiple promises of monies owed to us that we never received in entirety. Lastly, although the vice president senior lending manager was amicable, flexible, and receptive to these grievances, managers that he deferred us to were either unavailable, condescending, or incredibly difficult to communicate with, and did not follow through with any of the stipulations that were agreed upon during our multiple email exchanges and conference calls.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX I have disputed it many times to all three credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute XXXX would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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: Experian, your company is violating my rights. This debt XXXX is past the statute, I have requested many times validation and NOTHING is ever sent. How is your company validating this? 

XXXX 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 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: ON XXXX/XXXX/XXXX I received a letter from the office of credit management, I which I called XXXX for my current account and I have a credit balance. XXXX could n't identify the account number that I provide on the letter. so I called the number on the letter and I provide her the information and I advised her that I have a active XXXX account and that I do n't owe {$160.00} she XXXX that the balance was from XXXX/XXXX/XXXX from the address of XXXX in XXXX ga, I advised her that I filed bankruptcy in XXXX and I provided her with attorney information and phone number. I advised her that I filled XXXX us bankruptcy court - XXXX case id # XXXX chapter XXXX discharged XXXX/XXXX/XXXX. by me being a victim of fraud I have credit monitoring service that alert me of changes and they put this on my credit report on XXXX/XXXX/XXXX and sent me a letter on XXXX/XXXX/XXXX per the fair credit reporting act they violated me, reporting inaccurate and unsubstained information to a credit reporting agency may constitute fraud under federal law Compliance with thus request is required

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: filed a bankruptcy XXXX XXXX XXXX ReAffirmed 2 mortgages XXXX Trans Union and XXXX Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX XXXX XXXX XXXX refuse to report all payments made from date of reaffirmation which is XXXX XXXX to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate

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