milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Late fee

Complaint: I have an American Express " everyday '' card. I opened this up XX/XX/2016. I make my monthly payments well before the due date ( about two weeks before ) and I also pay more than the minimum amount due. 

XX/XX/2016, American Express errantly charged me an INVALID late fee ( my payment was submitted well before the due date, and more than the minimum amount due ) and American Express had simply made a mistake. I called in and notified the representative at American express of the mistake on their end and she said she would remove the errant late charge immediately and that it would reflect immediately on my statement. This did not happen. 
I called in again about a week later and went through all of the hoops, dedicating another hour or so of my time communicating once again that the invalid late charge and consequent fees and APR rate changes were on the account still and I was transferred three different times to different agents, having to re-explain the issue and then finally being told it would be fixed immediately and that the changes would reflect in my account online. This, once again, did not happen. 

Since then, I have called in multiple times per month, with the same issue and have not been helped or I have been transferred off to another representative who said the issue is handled when it has not been. 

The last, and most disrespectful call of all, occurred yesterday XXXX, XXXX, 2016. I checked my account once again with American Express, and the invalid late charges and fees have accrued and substantially affected my account and card payments with American Express. I called in and spoke to a representative explaining the same issues that have been going on and asked to speak to her supervisor. The representative stayed on the line and pretended as though she was the supervisor- upon noticing this, I asked her name and the name of the " supposed '' supervisor, she refused to give me either and abruptly, without warning, transferred my call to a line which ultimately ended the call on me after waiting on hold for 5 minutes. 
I called in yet again and was transferred to XXXX different representatives in the course of 2 hours on the phone with American Express and was told by the last representative that I had to pay all of the INVALID and errant late fees ( even though it was a mistake on their end and even though I have never made a late payment ) on my account and that it hopefully would not affect my credit score and standing. 

Conclusively, I have always paid my credit card monthly payment early and more than is required and because of a mistaken " late fee '' charge errantly administered by American Express and then, never resolved on their end, they are stating that : I must pay for the fees that I did not incur my credit may be affected my interest rate my be affected. 

Please help me come to a resolve on this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Account opening, closing, or management

Complaint: " XXXX. Research, legal process and requests for information '' on Page XXXX of Chase 's Deposit Account Agreement appears to conflict with Federal Law. The agreement states " If we receive any legal process relating to you or your account, you authorize us to comply with it. " and " We do not have todetermine whether the legal process was validly issued or enforceable. " This is incorrect since Federal Law promulgated by the U.S. Treasury department under 31 CFR Part 212 requires financial institutions whenever they receive a garnishment order or other court judgement ordering action against a customer account to follow a review process to determine whether protected federal benefits are in the account and if so protect them. Chase 's Deposit Agreement is not legally sound because the customer through an agreement with Chase can not waive these federal protections and Chase despite the wording of its agreement must determine whether protected funds are available and whether the order is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Enova International, Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have an identity theft case going on they have made XXXX inquiries, applies for payday loans, car loans. Etc etc

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Getting a line of credit

Complaint: Due to the hurricane I had damages to my car and home that I need extra cash for. I had a XXXX line of credit and my mother had XXXX. So we wrote my boyfriend a checking line of credit check so that we can use the funds to fix his car that was damaged and our home. I made a mistake and used my old XXXX check that I requested to close due to transactions I did not approve. I called navy federal and explained what happened. Agent said I can transfer funds instead of writing a check. We found out my boyfriends account was restricted so I transferred to funds to my aunts account. My mother and I could n't transfer it into our account because we 're getting ready to close on a house and ca n't have funds such as XXXX deposited into our account. So when we transferred the funds to my aunt account navy federal froze all our accounts due to fraud. My account, my mother, my boyfriend, my aunt, my brother in law and mother in law. I do n't understand how we can fraud our own accounts when we have almost everything with them and walk into the bank almost every week. They froze credit cards ... auto account ... XXXX ... everything. When I called to get everything straightened out I was treated like I did something wrong. The agent was no help at all. Also when we all went to the branch to talk to someone we were just shoved a fraud form to fill out without anyone really taking to use. They are not trying to help us fix something that is not what they say. We always try to get additional products with them by applying online and trying to move our services over. We tried to transfer money from our XXXX  like we we 're told we can do but that caused all of our accounts to be frozen. Even after explaining the mix up with me writing a check connected to my closed account, they are not trying to listen and have caused a financial set back and stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (FHA mortgage) with PARAMOUNT RESIDENTIAL MORTGAGE GROUP (PA).
Issue: Closing on a mortgage

Complaint: I am very unsatisfied with the service that I am receiving from your company regarding my first home mortgage loan. I am in the process of relocating and purchasing a home in  GA. T his has been my dream for the pas t 10yrs. H owever, this has been a complete nightmare with your company that has caused me to lose monthly income and threaten my employment. This whole process begin  in   XXXX    2017. I understood that the home buying process was stressful but dealing with your company  's processing incompetency has magnified the taxation on my health and financial obligations. Everyday there is something new that needs to be verified that I have already provided. My income a nd DTI h as be recalculated numerous time by different people in your department and each person comes up with a different number which starts the request for documentation all over again fro m step 1. Clearly there is a failure of communication in your company. I have done my due dili gence and sent every document over that I was told was needed to close this loan but as of toda y   XXXX   XXXX   2017 I hav e received nothing but complete inconvenience. I 'm being lied to and given misinformation on a daily basis. Yesterday, I was told by  Branch Manager   XXXX   XXXX , that everything was set and I would be receiving documentation to finally close on the loan approval. Needless to say, I have not received anything since the phone call him and I had yesterday afternoon. I have been calling him consistently to find out what happen to the final documents I was supposed to sign and to no avail I have n't been able to get in contact with him. This has been a disaster for me in all areas of my life. I wish I would have went with another mortgage company who was more trustworthy and consistent with the loan process.       Update : I just got a call from a  XXXX   XXXX  who is supposed to be a branch manager in   SC  t hat called me to question me about even more letters. I am very frustrated to tears. He started yelling at me, cutting me off, being rude and hung up on me. I am being discriminated against. Is this a real company??!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to XXXX and 30+ late to XXXX. I am unsure of Equifax since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Other financial service (Debt settlement) with CITIBANK, N.A. (TX).
Issue: Customer service/Customer relations

Complaint: Received faux notice stating " your XXXX XXXX XXXX account is over 90 days past due in the amount shown above, excluding any disputed and is scheduled to be cancelled and submitted for salary offset. The travel and transportation reform act, public law 105-264 of 1998 and CFR posts 301-76 authorized us to offset up to 15 % of your disposable pay "

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Because of the retrieval constraints for my credit report, and then unauthorized " Security Freeze placed on my report by TransUnion, I am again electing to place this dispute through this channel - to eliminate the XXXX steps Trans Union, has placed in my path. 

XXXX, is and has been reporting inaccurately since XX/XX/2015. 

1. Currently - the account does not carry the payment history, as it should. It was deleted when XXXX converted to their new system in XX/XX/2015. 
2. The account balances and limits from XXXX through current, are NOT accurate. 

3. Please verify the account details with the owner, XXXX, and correct this incorrect and incomplete account, or DELETE this inaccurate trade line it.

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 04-10-2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX Loan Servicing has repeatedly failed to mail mortgage bills to my correct address. I have lived at the same address for the past 2 years and XXXX has failed to send me monthly mortgage bills and then they report my account as past due. This is now the XXXX time this has happened and the last time it happened my account went 60 days late and my credit has been adversely affected due to XXXX 's failure to send the bills in the timely manner to my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In late XX/XX/XXXX I opened a US bank checking account to take advantage of a XXXX  fee checking account offer. During a conversation with their customer service team, I was asked if I would like to apply for the US Bank altitude reserve card which was " exclusive to US bank customers ''. I applied for the altitude reserve with the following terms ( PDF of terms is also attached ) {$400.00} annual fee {$320.00} statement credit for eligible travel related purchases 50,000 bonus points upon charging {$4500.00} in the first 90 days Bonus points are worth {$750.00} of travel if booked through the US bank travel portal. 

On XX/XX/XXXX I was approved for the US Bank altitude reserve card. Several weeks later, I met the spending requirement of {$4500.00} and paid off the charge plus the {$400.00} annual fee. I have attached the {$4900.00} payment I made to US bank on XX/XX/XXXX. 

After making this payment and paying the annual fee, I should have been entitled to the {$320.00} statement credit and 50,000 points as per the agreement. 

However, almost immediately upon completing the requirements for the bonus, US Bank closed my altitude reserve account with zero notice. I found out when I tried to log in to online banking and did not see my credit card account online. Customer service gave me the run around, telling me a fraud alert had been placed on my account, then asking me to call a different department, then asking to verify other information etc. 

After about a week I was finally told my account was shut down due to " risk prevention '' with no further explanation given. There was no opportunity to appeal this unilateral decision. This is after my altitude application had been reviewed and approved for over a month. Furthermore my annual fee has not been refunded and I have lost {$320.00} in statement credits and {$750.00} in travel benefits.

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 09/25/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: After a recent divorce and the reasons leading up to it, I was advised by my attorney to pull a credit report only to realize that there were many accounts opened in my name that I did not open, sign for or authorize. I have file the identity theft report with the FTC and the police report and notified the creditors and the credit bureaus. I did not hear anything back from a couple of the creditors so I followed up with a phone call to verify that they had received paperwork and to ask if they needed anything else. I was told by CapitalOne that because my wife and I had a joint checking account and that we lived at the same address that I would be liable and that they would not remove from my credit report. They could not provide me a signed document where I had opened account, was opened by wife online, and they also told me that the card had been used by me at a hotel, by me, and that they verified, also justifying that I benefited by the card staying there. I asked for hotel and date used, location and phone number. I never stayed at that hotel and was n't in that city at that time AND the reservation was made on XXXX. CapitalOne told me that it was a civil matter and to sue my x wife. It is not civil, it is fraud and I have done what I am legally required by law to do. There are 2 account numbers that were opened by her in my name with CapitalOne. CapitalOne also told me that an incident report was not evidence enough, that is what was filed when I called the police to report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Student loan (Non-federal student loan) with Genesis Lending (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: this is regards to the lawsuit settlement between CFPB and XXXX College. My son had XXXX student loans issued thru Genesis Lending via XXXX. My husband is a coborrower on these loans. He has received XXXX letters for the XXXX loans, but our son has not received these letters - it is very important that our son receives these letters addressed to him as it has these XXXX loans have had a negative effect on his credit reports. The letters sent to my husband stated that notification was sent to the XXXX major credit reporting agencies requesting that these tow loans ( accounts ) be deleted from his credit report, but our son has NOT received these leters.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: My direct deposit was still set up to my account before the account was terminated on XXXX XXXX. When i asked the teller over the phone what would happen to my direct deposit money from my job she told me the money would be rejected and sent back to the sender. This, in fact, did not happen. Instead, i was misinformed, and this was accually sent towards my negative balance and accepted as a " voluntary payment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: MIDLAND FUNDING ACCOUNT NUMBERs : XXXX, XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MIDLAND FUNDING or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MIDLAND FUNDING or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I Got it charge off my XXXX XXXX because it was n't me the company keeps bother me about a XXXX $ that I know nothing about

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My start date ( first day in the office physically ) with XXXX was XX/XX/XXXX. My hire date on my XXXX says my hire date was XX/XX/XXXX. I originally submitted my employment certification for public service loan forgiveness with my start date as opposed to my hire date. 

Despite the fact that I went back to school in XX/XX/XXXX-XX/XX/XXXX and have been in Public Service Loan Forgiveness repayment status since, XXXX XXXX is refusing to certify my employment with XXXX because of the discrepancy in the XX/XX/XXXX vs. XX/XX/XXXX submission, which is irrelevant to the fact that I am 1. still employed at XXXX ; 2. have been under the PLSF status since XX/XX/XXXX and 3. have submitted the XXXX showing the hire date. They are insisting on speaking with my supervisor. I have filed an EEO complaint against my supervisor and he has not returned numerous calls from XXXX XXXX. 

A federal government XXXX should be more than sufficient for certifying my ongoing employment.

Company response to consumer: Closed with explanation