milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Customer service / Customer relations

Complaint: For 32 years we were a loyal, dedicated, exclusive customer for American Express. We paid them about {$100000.00} per year on average ( sometimes way more ). We used their Rewards Program sparingly, and only when absolutely necessary ( for example to pay for a last minute critical airfare ). According to them, XX/XX/2015 they revised the Rewards program we participated in. According to them we were notified multiple times via mail. Nobody here recalls seeing anything. The new revised program required us " opting in '' to maintain our point balance of XXXX. The fee was going from {$110.00} per year to {$170.00}, which for us would be no problem. According to them, by not " opting in '' we reverted to a non-reward program at {$95.00} per year but would lose all accumulated reward points. As I said, we never knew anything was taking place. A new card came at that time, but it was a chip bearing card and we assumed it to be just the chip making it necessary to send out. Last weekend, we found out by accident ( trying to book hotel rooms ) that " there were no points any more ''. They had cancelled and taken 32 years of accumulated reward points, XXXX in all. In my words, they STOLE the rewards points. I find this HIGHLY unethical, mean spirited to a long time loyal customer, and bad business practice as they refused to reconstruct the program to what it was, even at maybe a nominal cost to me ( for missing something I NEVER saw ). So that 's how American Express treats it 's great long time customers. Let 's let everyone know. This looks like a nice plan to get rid of as many open Rewards points as possible without honoring their intent. Great management decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: When trying to make payments, I was unable to cancel automatic payments. Although I did initially turn off auto pay, somehow the feature was turned back on ( not by myself ). This caused several payments to attempt to withdraw from my account in which there was n't funding for the payments to be made. I called about the issue many times but no change occurred as result I was charged {$2000.00} in fees by Chase. A total of 85 attempted payments incurred fees. I would like to pay my credit card in one full with one payment. But I will be unable to do that with {$2000.00} added to the {$1000.00} limit credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XXXX/XXXX/2017 I tried to access my Experian credit report under the FCRA due to been denied credit and after providing my information I was denied access to see what is on my report and if there was anything I needed to correct.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting incorrect information on my Transunion and XXXX Credit Report I have contacted each credit agency via Certified Mail regarding the Account being reported. The Company 's Name is being reported on Transunion as XXXX XXXX and on XXXX it is being reported as XXXX XXXX XXXX. I do not think this company has a licensees to operate in Pennsylvania due to the various names used. The balance is steadily increasing no payments are being reported correctly causing late payment to pile on my report. Account information is incorrect this account is effecting my credit worthiness and I request this account be removed for my report due to the fact stated above. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.

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 02-07-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I sent a dispute letter in XX/XX/XXXX requesting them to send all future communications via mail. I advised them any attempt to call me would be considered harassment. 
They sent me a letter dated XX/XX/XXXX in response to my dispute, and advising me that they completed the investigation. 
I received a call on XX/XX/XXXX @ XXXX XXXX requesting payment on this account. I asked the caller if she received my dispute letter, she said no, which is false. I also advised that I had proof they received the letter and that I had asked that all correspondence be sent via mail. The caller hung up on me. 

The letter I sent also asked for a 30 day period to investigate this information, during which all collection activity must cease and desist. This constitutes harrasment.

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 04-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I HAVE ALOT OF INQUIRIES ON REPORT THAT ARE NOT MINES NOR DID I AUTHORIZE. I HAVE also submitted XXXX for user accounts still on credit report. I ALSO HAVE SUBMITTED FTC ID REPORT FOR ITEMS THAT SHOULD BE DELETED. 

XXXX XXXX ACCOUNT SHOULD BE DELETED AS WELL SINCE COMPANY SOLD MY AGREEMENT.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called Regions Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, they could n't help me.

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 10/17/2017 about Vehicle loan or lease (Loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (LA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: On XXXX XXXX, XXXX I got approved for a car loan with XXXX loan agency. The dealership " XXXX XXXX XXXX '' in XXXX, XXXX made it seem like this was the best decision that I would ever make in my life. I had just gotten to my duty station which is XXXX XXXX, and I was very desperate to get a car not knowing about interest rates. It was my first time making a big purchase like that but it was my only way to support my family at the time. XXXX agency needs to be shut down I have a 19 % APR which was never discussed with the dealership it 's so sad that they do this to young adults. I just turned XXXX and came straight out of training trying to build some credit. I just realized after struggling to make payments every month and on time at that, I literally only paid off XXXX due to the interest rate, in reality since XXXX XXXX, XXXX I paid off more than XXXX. I just need some satisfaction on how can I get a lower interest rate, will snacc XXXX agency finally get shut down? This is n't right to the young adults that ca n't talk about anything with their families and have to do everything on their own. I need some justification. What should I do next?

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 01/27/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I, my brother, and my daughter ( on my phone ) recieved threatening phone calls from a supposed law office representing ACE Cash Express, that if I did not pay that I would be charged with attempting to defraud a financial institution. The phone caller said specifically on each message that I would be charged with fraud. That is defamation of character and illegal collection practices. When I did call them to try to make arrangements, the man on the phone was disrespectful and again threatened me with a felony for not paying a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My mother passed away earlier this year and I tried to get Wells Fargo to put the loan in my name. My attorney sent them the death certificate again but a month later they had still not coded it properly. I am supposed to be working with the assumption/silmutaneous modification department but they will not give me an answer since they do not have it in their system that my mother passed away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (MO).
Issue: Taking out the loan or lease

Complaint: addition to complaint XXXX. 
I have XXXX viable candidates to take over the truck lease I was left with through my boyfriends death. It was a joint lease. He has passed. leaving me. Again ... XXXX people from XXXX called me but refused to give their last names or ID # or any way for me to designate who I spoke to other than " XXXX '' and " XXXX. '' They still will not provide me with the paper work my boyfriends started to remove me from the lease, they act as if it doesn ' t exist. and if it does n't that 's fine, they should n't tie my hands then by acting like XXXX is the only account holder who can transact anything, because XXXX is deceased. they will not change the address to my new address, even though this was a joint lease. so they are mailing paper work to what they know is a wrong address. they 're looking to me to pay and as their only remaining leasor, but they act as though XXXX ( XXXX ) was the only one on the lease and I have no authority to even update where the bills or correspondence go. further, they want anyone he was related to ( parents children spouses ) to sign on this 'for him. ' It was a joint lease. he is gone. I am the one left. I have someone to take this over, but they 're requiring what I find to be unlawful paperwork. if you have a joint account with someone and one person passes, it is left to the remaining person. I am going to lose this interest buyer and I can not afford this truck on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have an alleged XXXX account for XXXX on my Transunion credit report.I have disputed this account several times with Transunion as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Transunion credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XXXX DOFD - XX/XX/XXXXTransunion DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Transunion is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Transunion responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: I AM XXXX YR. OLD WIDOW, HAD A MORTGAGE W/XXXX XXXX, I TRIED FOR TWO YEARS NOW TO SETTLE THIS AND THEY WILL NOT WORK W/ME I HAVE HIRED LAWYERS, & IT HAS BEEN COSTLY XXXX SOLD THIS MORTG. TO SLS, AND STILL CAN NOT SETTLE, THEY HAVE JUST PUT MY HOME IN FORECLOSURE, AND I CAN NOT AFFORD TO LOOSE MY HOME AT THIS POINT IN MY LIFE. 
PLEASE HELP ME.

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 12-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have had a very difficult time with Nationstar. It originally started with XXXX, then XXXX XXXX XXXX. I am now with Nationstar. I have never been offered help to save my home. I am 9 years late with an 8 % mortgage. We are over our hardship and would like to apply for a modification. We have never received a modification. Nationstar is saying XXXX XXXX is our investor and they do not do modifications. They refuse to offer help to save my home. I know for a fact that is not true, XXXX XXXX does loan modifications. For the the past 9 years the lenders would not help me with modification to avoid a foreclosure. Because of there dysfunction by mortgage is huge from interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
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 ,  2016   XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 years.

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 09/16/2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: I closed on my mortgage with Carrington Mortgage on XXXX/XXXX/XXXX @ 6 % first time buyers and in XXXX XXXX we were contacted by Carrington for a Refi@4.5 % which of course we was glad to do be cause it was a lower rate. We closed on that in XXXX XXXX, in XXXX XXXX we received a tax bill in the amount {$3000.00} for XX/XX/XXXX which I forwarded to Carrington to be paid because it was my understanding that since they paid all my closing cost on both loans they had the sellers tax escrow from XXXX XXXX XXXX XXXX of {$2000.00} according to paperwork from title company ( XXXX XXXX XXXX XXXX, Ok ). According to Carrington tax dept. when the tax bill was paid it put my escrow in the negative {$4000.00} based off an escrow analysis dated XXXX/XXXX/XXXX. On my original loan my payment was XXXX approximately {$440.00} was escrow that was for XX/XX/XXXX -XX/XX/XXXX. Then after the Refi on XXXX XXXX, the payment was {$1400.00}, {$190.00} for escrow. The escrow did n't include taxes because I am a XXXX Vet and in Oklahoma I pay no property tax which took effect on XXXX XXXX XXXX. On XXXX XXXX my adjusted payment was XXXX ( + {$630.00} ). With all this going on I did a refi with another institution and when they sent over the payoff with an Escrow impound shortage of {$2400.00}. I feel there is some unexplained issues of $ XXXX-XXXX that I could never get straight answers to.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Checking or savings account (Other banking product or service) with First Data Corporation (RI).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On Thursday,  XXXX   XXXX ,    2017, I went to pay by check for tires I had put on at   XXXX   XXXX   XXXX   in Rhode Island.    They ran my check through Electronic Check, Powered by Telecheck , A First Data Company.    My check was denied. There are/were more than sufficient funds for this transaction.   I was mortified and humiliated in front of other customers.   When I returned home I called the bank and was informed it was denied by them.   I then called Telecheck and was informed I did n't have an account with them.   Of course I do n't, THEY ARE NOT A BANK OR FINANCIAL INSTITUTION IN MY AREA This should not give them the right to deny my payment without going through the bank on the check.   This is so unacceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (IL).
Issue: Managing the loan or lease

Complaint: I had a 60 month term loan, accelerated payments to 48 months in order to payoff loan. Now lender refuses to provide accurate payoff amount based upon payments and date ( s ) received. I wish to clear off the loan, receiver car title and close account

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: I made a payment through my credit card company XXXX via balance transfer on or before XX/XX/2017 in the amount of {$500.00}. My auto loan company SANTANDER CONSUMER USA, has failed to post the payment. I have contacted them several times to request that the payment be processed as I have an electronic statement from XXXX that the transfer was successful. Its XX/XX/2017 and no payment is posted. SANATANDER states that it takes 3-5 business days to post payments. Still no payment 5 business days later.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed an online dispute with TransUnion on XXXX XXXX to have the XXXX account balance verified and validated. I also attached a copy of my mortgage statement to serve a proof of the balance. I received a letter in the mail XXXX XXXX, 2016 file number XXXX that the XXXX account was deleted. I contacted TransUnion at XXXX at XXXX and spoke with XXXX. She denoted the account was suppressed and was unable to add the account back to my credit report although it was their error it was deleted.I proceeded to ask how did they verify the information and if it was verified it would not have been deleted given I still have a balance with my mortgage company. Furthermore, what parameters do TransUnion have in place when they delete something by mistake so they can add it back? Also, what recourse is provided to the consumer when TransUnion has caused a drop in their credit? Why did n't an updated credit report accompany the investigation results? None of my questions were answered to my satisfaction so, I requested a supervisor and was transferred to XXXX who had a very nasty disposition. I asked the supervisor if they could put the deleted information back on my report. In addition, what recourse do they have when they make an error and make a consumer credit score go down? How do they remedy their wrong? I was informed it was nothing they can do because they do n't contact the lender it is my responsibility. Why, am I having to correct the error TransUnion made? 
I called XXXX and spoke with XXXX at XXXX in which she transferred me to XXXX in the Credit Bureau Specialist Unit. She verified XXXX received the electronic notification on XXXX XXXX, 2016 and sent a notification to respond to the correction on XXXX XXXX, 2016 but did not request a deletion. XXXX denoted she would attempt a reinstatement which takes 3-5 days but it is no guarantee it will be added to my account given it was deleted and provided me with a case # XXXX for the XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I was served a claim/judgment form Midland funding for the amount of XXXX. I noticed this account on my credit report and have written the 3 bureaus to please validate debt. I have written the 3 bureaus several letters within the last 6 months. Now i have been served court papers without proof the debt belongs to me. Midland funding or the 3 bureaus has not sent me validation of the debt. I am making this complaint because I feel I am being sued in error with no proof. I have requested for Midland to produce any credit application signed by me, to please produce all statements from beginning to present and to produce detail regarding alleged charges by amount, type and date.

Company response to consumer: Closed with explanation