milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: This is actually a follow-up to a CFPB claim with reference number XXXX. I was n't able to respond to it online, so I 'm filing a separate claim. Please, read it in its entirety before sending me a template response, thank you. I 'll let you look up the specifics of the original complaint, so let me address your response letter I just got in the mail. 
In the letter you are telling me that my XXXX points were not available at the time of conversion. 
This is incorrect because they were available for redemption or mileage transfers, so how could they be simultaneously pending? I 'm attaching a screenshot that shows XXXX were EARNED. That 's similar to saying that a person is still pregnant after giving birth. 
The bonus is listed in " earned '' category, nothing pending about that. When I logged in prior to this debacle, my account showed XXXX points and underneath of it it clearly said " available. '' You ca n't have points available and pending at the same time. It 's a contradiction. 
You are also telling me that the CSR was referring to my earned points, not the bonus, since unbeknownst to me and I 'm guessing him too, the bonus points were under review. This is ridiculous on so many levels. Surely, any well-trained CSR would mention to the customer a " small '' issue of losing XXXX points if they go ahead with the conversion. Are you telling me it 's a conspiracy and you wanted me to lose the points? 
By that logic, the clawback should be in " pending '' status as well, and you should let me upgrade back to Platinum product. It 's only fair. 
I will be more than happy if you convert XXXX card back to Platinum and charge me the annual fee again as long as my XXXX points get reinstated. If you fail to do so, I plan on filing a small claim to seek damages. Be aware, I plan on demanding compensation for my time as well. I 'm also thinking about pursuing arbitration. Make no mistake about it, I 'm not planning to let this issue drop. I 'm hoping you can reinstate the points, so we can move on from this ordeal. It 's up to you now to resolve this issue without going to court. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Since XXXX/17, Diversified Consultants , Inc has been calling my cell phone multiple times each day without leaving a message. I have no debts, current or past due, with any company they represent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Deposits and withdrawals

Complaint: While searching online to consolidate some loans I had, I came across information that said some of the loans I had were actually illegal in my state. I searched and researched some more, and found a non-profit that helped me to understand that the loans I had were void in my state of Virginia, and why. They also alerted me to the fact that under XXXX rules, I could request that my bank refund what I had paid to the lender of the void loans, because they were not valid and I never gave true authorization, because I did n't know the loans were void, and the companies neglected to tell me. I wrote a letter to my bank with all of my documentation on the fact that the loans were void, and also put in an affidavit through their system to get my payments returned to me. I was told that I had to submit their form, but I also went into a branch to and fax delivered my letter and accompanying documentation. XXXX the XXXX, I had spoken with a woman who said that even with the documentation, they could only get 60 days of payments returned if approved. I told her that I would still like to request the entire amount that I had paid, because I thought it was wrong for XXXX to offer loans that were void for me. She told me to fax the information ( letter and documentation XXXX to a number that would handle the request. I faxed the paperwork on XXXX XXXX. The day after I faxed the information, I went into a bank branch to close that particular account ( not changing anything about my other accounts ) and hand delivered the same paperwork and asked that it be submitted that way to be sure that my paperwork made it to whomever needed to see it to deal with my letter and request. At the branch, I spoke to XXXX XXXX, the XXXX office personal banker. She made a copy and assured me that it would get to the right place. Since then, I have heard nothing about my request. I thought I was supposed to have heard back from them by now, 15 days later or at least an acknowledgement of receiving my information and a time frame for response. I did not want to badger them, but I think I should have heard something by now or at least know that they are working on it or would get back to me in a particular time period. Hearing nothing makes me think that they may have misplaced my request, or that they can not follow XXXX guidelines which specifically reference online loans. I was also told, and put in my letter a reference to the Electronic Funds Transfer Act, which also allows for the return of payments on void loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was approved in store for a XXXX XXXX credit card in XX/XX/XXXX. The bank that the credit was extended through was XXXX XXXX. in XXXX I used the card and paid for purchases that were used. AroundXX/XX/XXXX i was notified through a credit monitoring service that my account had been closed with no explanation. I inquired and within the first few weeks there was n't a reason. After hearing that XXXX XXXX  was apart of the XXXX breach I brought it to the attention of XXXX and asked them if the reason my account was closed was due to me being lower class or not having much money for synchrony or XXXX to protect. I did n't understand how credit was extended and taken back as if I had no right to ask what happened, Around XX/XX/XXXX I received correspondence that my account was closed due to old and past derogatory Items. I informed them when they extended credit to me those items were there why use that as a tool to close the card.

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 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Barclaycard is denying me from accessing my financial data using a 3rd party financial institution - XXXX. I had no issue accessing and loading my financial data from all of my other credit card and bank accounts. XXXX allows me to analyze my spending/payments, plan my financial path and make appropriate fiscal decisions. Without access to my Barclaycard financial data, I can not perform these tasks having complete information. I dont believe this is right for them to block access to my financial data.

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 07-10-2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage lender, Fifth Third Bank, has placed my home in foreclosure due to a force placed escrow in the amount on approximately {$1300.00} which I had no knowledge of. I was making my payments monthly to Fifty Third Bank and they were not applying my payments to my account. They served the tenants that are currently renting my home with foreclosure papers. i found out about this situation when my tenants notified my property manager that they were served. Fifth Third Bank should not have served an individual other than who they were supposed to serve. Upon inquiring about this situation with Fifth Third Bank, I was informed that My home was in foreclosure. When I asked why it was in foreclosure, since I had made my payments monthly. They said they sent me a check each month because they considered my payments partial payments because they did not include the escrow. I had no knowledge of the checks they sent or the escrow.after going over information, I realized, I had not received their correspondence because they had not included the correct apartment number. Now Fifth Third Bank says I am past due and in foreclosure status. To my knowledge I was not past due. They just did not apply my payments. They created this foreclosure by their tactics. This is a huge misunderstanding and I feel it should be reversed because this foreclosure status is due to an escrow I had no knowledge of and tenants should not have been served with foreclosure notice. I requested a meeting with Fifth Third Bank to discuss this in hopes to reverse this. They stated that they will email me to set up a meeting but have not done so. It has been 36 hours since my request to speak to the proper department to address this. I also asked for an address to make contact via mail so I can have written records and they said they could set up a meeting but did not grant me the meeting or mailing information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I received a letter from Bank of America dated XXXX/XXXX/16 informing us our mortgage is to increase XXXX XXXX, 2016 from {$3800.00} a month to {$4700.00} a month. The explanation seems suspect in that the increase is to bridge an escrow shortage of {$5100.00} ... also due XXXX XXXX? Please help me understand how a monthly mortgage can so dramatically increase just a few months after refinancing. I would have thought Bank of America would have correctly calculated this during the ridiculously long refinancing process.

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 11/26/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I legitimately owe Walmart MasterCard ( Synchrony Bank ) money. But I have told them many times on the phone that I ca n't make my payments so I will be consolidating all of the credit cards I owe together for one monthly payment that will be distributed each month to all the credit cards I owe through my debt management plan that I 'm on. Yet, this number continues calling me day and night! They call in excess OVER 15 times a day, some calls are before XXXX and well after XXXX, I 've gotten calls at XXXX before. It 's gotten ridiculous, my phone rings all the time and I know it 's them.

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 04/21/2015 about Credit reporting () with EQUIFAX, INC. ().
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am currently an XXXX living in XXXX on a temporary basis. I have tried to get my free annual credit reports but can no longer get them on the website. I contacted the credit agencies and was told that they will not give me my credit reports unless I have an address in the U.S. Since I am XXXX, I do not have a current mailing address in the U.S. We are U.S. citizens, my husband works for a U.S. company, we are paid in the U.S. , pay taxes in the U.S. and have bank accounts in the U.S. We should be able to get a copy of our credit reports to make sure there has been no fraudulent activity. I would like some assistance in this matter, please.

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. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: Called Experian and asked for a freeze on my credit report. ( Actually I asked that they delete all information about me and please forget that I exist. They said this was not an option. So Then I requested a freeze on my report. ) They said they were unable to assist me today after correctly verifying my identity.

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 02-08-2018 about Debt collection (Other debt) with Direct Recovery Services, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX aka Direct Recovery Services calls my phone back to back to back if I do not answer. I was at work and they called 3 times within 5 minutes. I called the number back and a rude male begin yelling at me and when I told him not to call me back to back he threatened to sue me for a XXXX XXXX XXXX debt. I hung up on him and he calls me right back from another number. I attached the screenshot on the XX/XX/XXXX. This happens daily the back to back calls. So today XX/XX/XXXX they called 3 times between the hours of XXXX-XXXX I finally answer and advised the guy by the name of XXXX XXXX not to call me back to back and I advised him how many times they have called today he brushed off the fact that they are doing this. They constantly call from different numbers. So my XXXX year old daughter who is a XXXX XXXX XXXX and work part time come home from work and advised me that they have been calling her as well. I have printed out the screenshot of the calls for us both. They are harassing me over a debt I don't even owe. This can not be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EXPERT GLOBAL SOLUTIONS, INC. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX balance of {$85.00} is showing open in a credit report review. I have a certified letter receipt ( just found after MUCH searching ) from USPS showing I mailed ck XXXX XXXX/XXXX/13 to NCO Financial Systems Inc ( Collection agency ). Apparently they did n't get the information/funds to XXXX. How do I dispute this now? ( account XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Addresses reported on my credit report include the address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. This has never been an address for me. I have always resided in XXXX. The other addresses listed on my report are correct. Concerns me that someone in XXXX XXXX may have used or trying to use my name for fraudulent purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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: I initiated a review with the Experian and XXXX   beginning in XX/XX/2017 because I believe my Bankruptcy had been recorded with the court but has been reported by the credit bureaus inaccurately and not in compliance with the Consumer Protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Army and Air Force Exchange Service (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I own a star card, and I am part of the XXXX but I never used it unless waiting for a debit card to come by mail. When I did use it I paid it off as soon as my debit card came in. This occurred initially in ( if I remember right ) XX/XX/XXXX. Precursor : when using a star card while in the military, they will contact your leadership if you miss a payment. 

In this case I went in to pay my bill as soon as I received my debit card in person by going into the local aafes base exchange. I paid the amount and then shredded my card from my wallet. EIGHT months later I received a call from my flight commander saying that I missed a payment. I went in the next day and they told me that I already paid my balance. I talked to my flight commander and he told me to go back. I went back and they said I had a huge bill this time with 8 months of interest. I told them exactly what I said already so they told me that I needed to talk to the company over the phone. They called them for me in the store and gave me the phone. He was very hard to deal with, but I was finally able to pay my bill with acquired 8 months of interest. Although I understand that mistakes happen, I do n't mind paying the interest, but I was still punished on my credit report and they ignored my dispute. This severely hurt my credit since I have never owned a credit card before this.

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stellar Recovery, Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and XXXX Did a investigation after I reported to them that this company was reporting I owe XXXX for a previous company XXXX XXXX. 
I sent a dispute and both credit agencies utilized the 30 days to investigate the company debt was removed I was notified Two months later same company Stellar Recovery reports again and both bureaus allow this but report as new and a different amount by XXXX I call Stellar tell them to stop reporting wrong information and that I have n't had XXXX and they said were not reporting anything I got no place with stellar theynsaid it must be fraud I said yes someone used my name apparently I contacted XXXX and really got no place after requesting a contract and anything they could give as proof to send to authorities and I got no help just transferred all over I asked the two credit bureaus to delete the collection off my credit and block Stellar and nothing done also I questioned how could you allow them to report again by just changing the amt I 'm in the middle of purchasing a home and this has caused my score to drop and I have 2 weeks to rectify this error I asked them to delete immediately it 's fraud Stellar XXXX XXXX   XXXX fl XXXX XXXX XXXX Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Prepaid card (Government benefit payment card) with NETSPEND CORPORATION (GA).
Issue: Fraud or scam

Complaint: I 'm having a problem with netspend I requested a card and it 's been almost a month and have not received it so I requested a new card to be expedited through XXXX. I called back for a tracking number and they could n't provide one because a card was never sent out. They have my tax refund and do n't even release it to another netspend card, that I, have. Can you please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Debt collection (Credit card) with Capital Accounts, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I just found out that my credit card with Capital Accounts was put on collections without my knowledge. I request this account to be removed and the harassment calls to stop immediately. I never received any notice or last bill from the medical institution and know this bill is under collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: I have twice requested the number of days in each billing cycle since XXXX ( the begining of my loan ) until now XXXX please send hard copy and copy to this site.. 
I have made XXXX payment ...

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Struggling to pay mortgage

Complaint: I am losing my home to foreclosure. The mortgage company Select Portfolio Servicing had sent me a letter with a number and email address for someone I can ask questions about my situation. I emailed them to ask if there was anyway that they can delay the foreclosure sale for a few months due to the fact that I ca n't find a place to live. I am recently divorced. My ex-husband ruined my credit, so I am having a hard time finding a place to live. They did send me a letter telling me that they would give me {$3000.00} if I leave the house. That sounds great but If I do n't have any where to live, that wo n't help. I never received an answer about delaying the sale. This is a really stressful time for me. It 's bad enough that after 25 years they are taking the house, but I need some more time to find a place to live. My car is n't big enough for my belongings. This mortgage company always stresses how much they want to help me. They have done nothing for me except create more stress in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax continues to provide my credit report to companies that do not have my permission or authorization to receive this infomation. As such, Equifax is showing XXXX hard inquiries on my credit report in the last 2 years, when in fact it should only be XXXX, max. I have reached out to equifax and have been told they do not remove inquiries and that I need to contact the companies and ask the companies to remove the inquiry. Several of the companies have indicated they did not request my report and do not show an inquiry to request removal.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit card () with JPMORGAN CHASE & CO. (LA).
Issue: Other

Complaint: unauthorized inquiry on my XXXX and XXXX credit report. i did not apply for credit

Company response to consumer: Closed with explanation