milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: I applied for the American Express Platinum card on XXXX/XXXX/2016 via their website. I was approved immediately. The offer I applied for was to receive XXXX Membership Rewards points after spending {$3000.00} within 90 days. I successfully completed that spend in far less than 90 days, it was closer to 30 days. When my statement closed, I saw the points appear in my account online around XXXX/XXXX/2016. I was planning on saving them for a trip to XXXX later this year. However, on XXXX/XXXX/2016 I logged onto the American Express website to check my accounts, and I noticed that I had XXXX points removed from my account. This was a shock to me, as I had travel plans that I was going to use those points for. I immediately called Amex at XXXX central time from my cell phone, and asked to speak to somebody about the points. I was told that they had been removed since I did not complete the terms for the XXXX bonus. Since I saw the points in my account in XXXX, I assumed I had definitely completed the terms. I was told they would follow up with the Membership Rewards department but I did not get any response from them via call or writing. The only reason I applied for this card, and paid the annual fee, was because of this point bonus. I continued to use this card and did not close the account in any way. I have also never been eligible to receive a bonus from an American Express Platinum card in the past, nor have I received any bonus from an American Express Platinum card in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Total Card, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX 2017. I contacted the debtors whom advised me to make a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (I do not know) with U.S. BANCORP (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was contacted by a person stating that his name was XXXX with XXXX, and he stated that I defrauded a financial institution from XX/XX/XXXX-XX/XX/XXXX and I have never ever done 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 04/29/2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: customer service associate was horribly rude.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Credit card) with Stellar Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Stellar Recovery Inc Keeps calling my cell phone too frequently at all times of the day for a debt that was a fraud account and was not my account. They need to cease with this activity

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Billing disputes

Complaint: I was redeeming rewards points for airline tickets under XXXX program and I was charged a {$150.00} fee for booking this travel within 21 days of the flight. At no time during the booking of the flight was I notified that there would be a charge for booking. I contacted them and they informed me that there was nothing they could do and if I failed to pay the charge they would report it on my credit report. I was also billed an additional {$22.00} for this transaction that was disclosed and agreed to.

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 10-05-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CO).
Issue: Trouble during payment process

Complaint: I do n't remember specific dates, but I 've requested twice to have them change one of my security questions : " Where were you when you first heard about XX/XX/XXXX? '' Of course I remember where I was, but I ca n't remember exactly what I put and as the question requires an exact answer, I ca n't get it. This is a frustration for me and there have been times that I was blocked from logging in. When I have previously requested a new question, I never heard anything from Ditech.
This is also just another example of Ditech 's complete unwillingness to treat its customers like people. I did not sign a mortgage with them, it was bought by them. I would NEVER willingly sign to have Ditech as a mortgagor. In fact, they are so horrible that if I ever take out another mortgage, I will have a clause written in that forbids Ditech or any subsidiary or such from ever buying my loan. This mortgage was bought by Greentree which later changed its name to Ditech, probably because Greentree had accumulated thousands of negative reviews. Ditech is on the same path.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: The bank has failed to contact me ( co signer ) on my daughters delinquent account. Damaging my credit with no notification. They said they had the wrong address. I have had my checking account with them since XX/XX/XXXX and they new my address. The bank continues to fail to provide me XXXX on interest that I paid XX/XX/XXXX. I have tried to conslidate the loans but they drove my credit score so low I did not qualify at a low enough rate to afford the payments. Wells Fargo continues to fail to work with us asking for payments we are unable to provide at this time. The interest they are charging me after they drove my credit score down would lead me into default. Wells Fargo departments do n't coordinate with each other telling us if we made 3 payments on the late account they would help to bring the loan current. They continue to fail to work with us to resolve all issues relating to my daughter student loan accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Customer service / Customer relations

Complaint: I did not receive my XXXX 2016 statement from Citibank. I was charged a late fee and interest by Citibank. I called Citibank to resolve this issue only to given a run around. I would like this matter to be resolved immediately. Thank you.

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 07/24/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, my name is XXXX XXXX and I have a mortgage with Bank of America. The Mortgage # is XXXX. My wife XXXX is also on the loan. I am a retiree from the Bank. 
I am XXXX and get paid on the XXXX Wednesday of each month. I have late charges that I have asked to be reversed due to the fact that the Bank says they cant change the due date. 
The late charges are now showing past due on our credit reports. 
Cab you assist?

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 Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I have my business and personal banking at Wells Fargo and have for 20+ years. I am in the process of refinancing my equity line on my $ XXXX house. I got approval, but they claimed my XXXX credit score was XXXX vs. the XXXX rating of XXXX which is a gap of XXXX. I have asked to understand the difference and see the report, but they decline. They state the only obligation they have is if my credit is declined. Given I was not declined they can state without any checks and balances what my credit score is and I have no recourse. This has caused for my equity rate to go from XXXX + 0.25 % to XXXX + 1.75 %. The only action he stated was to reprocess the application, but given I have no visibility to what they use as the basis for their underwriting and pricing, I am subject to whatever they decide to offer. This is not how lending is suppose to be under the Fair Credit Act. Please advise what recourse I have as this is not the way lending should be for a consumer. Moreover, this completely relegates or negates XXXX and the XXXX credit agencies as a basis of judgement for credit. Again, please advise my recourse and options available. Thank you, XXXX XXXX XXXX - XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: In my state, All XXXX credit reporting agencies are trying to charge consumers for a credit freeze. That 's insane. Especially for XXXX to be profiting off their own failure to protect data we never had the option to hide from them. You need to provide a method for all consumers to go to a centralized website where they can freeze their report at all XXXX companies, for free. 

Until that system is in place these agencies should be barred from charging these fees, and they should be forced to make the freezing process accessible and not hidden behind a series of attempts to sell credit monitoring. 

Additionally, I have tried to freeze my report with XXXX and the site was down. This is completely unacceptable when half of the population just had their financial information compromised.

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 02/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We took out a Direct Plus Parent Loan for my daughter, the application only allows for one parents name on the application but does require input of the income for both parents ( my wife and I are married and file our taxes married filing jointly ). I am a XXXX and we recently found out about the Public Service Loan Forgiveness program. I called the loan servicer Fedloan to inquire about the program and was told since the loan is in my wife 's name she has to be the employee of a public service agency. I explained that the application only allows for one parents name but takes into account both of our incomes so it should be considered a joint account otherwise my income should not be considered when determining financial aid, the loan approval or the monthly payments. I believe they are interpreting the rules of the PSLF incorrectly and we should qualify or they should not be able to include my income when determining repayment plans for the loan or financial aid. If they are going to use both of our incomes then is should be a joint account. It appears they try to find any reason to disqualify you for programs that are meant to assist the borrower. They should not have oversight of these programs because it 's not in their best interest and they do not look after the best interest of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I pulled a copy of my credit report and identified credit inquiries that are are in error. I have sent XXXX certified letters along with a copy of my ID, SSN, and residence proof to which Equifax sent me a letter stating they needed a copy of my ID, SSN, and residence proof which was previously submitted with my original requests. I called numerous times to the credit bureau attempting to resolve this only to be hung up on, not transfered to the correct department in which I asked to speak to, had representatives be verbally abusive and rude. I filed a complaint only to get a response back stating that the inquiries reviewed and of factual record. This is not accurate as how can something be reviewed and I am given a response back in 24 hours. I also sent letters to the creditors only to have most of which returned due to the address being incorrect on the credit report that is listed. Furthermore the other XXXX Credit reporting agencies have deleted the following inquiries because the following credit inquiries were not of factual record. i have no business with these inquiries and a fraud alert has been placed on my credit file, however the following inquiries have not been deleted from Equifax but have been deleted with the other XXXX credit reporting agencies. XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX CC XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: 1st Bank of America is the worse amount other major bank to do banking with. 

2nd Especially, with servicing small business 3rd Real scenario, I withdrawn {$2500.00} to pay a client in XXXX, yet find out they only accept Checks, so I wrote the check and leave the CASH in my pocket, and at the end of the day I am dragging my tire body to deposit the CASH back in. However, the check I wrote was bounce. That meant the check goes faster than myself 4th 2nd case, at XX/XX/XXXX I saw there is a check that I wrote trying to go in my SBA acct. which will negative my acct about {$2000.00}. This is at XXXX Pacific time, so I called the SBA direct line, the BOA rep. informed me that I have to bring the CASH in the branch before XXXX, and have to call in to inform them to force it thru without bounce the check. 

Now, all banks open at XXXX so I went to XXXX withdrawn the CASH, go to BOA just a  mile away and deposited at XXXX. 

Then, I started calling the SBA XXXX # from BOA, and also waited in-line for the customer service personnel in BOA, they start service me at XXXX. Helped me calling in their internal banking system, while I still waited with my cell phone trying to get thru. 

They BOA internal people gave the answer to the branch bank " it is passed XXXX there is nothing we can do ''. The banker said they deposited before XXXX just having hard time get thru. 

Now, at XXXX I finally got thru with my cell phone, and asking the same question, the BOA said the same answer, passed XXXX nothing can be done. I told them I deposited before that, and trying to get to you guys ... 

What kind of bank is this .... 

Anyway Name : XXXX Phone : 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 09/27/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have been getting numerous unknown and mysterious, charges on my Paypal account. I emailed Paypal Credit about the unknown charges on my account on X/XX/17 for I was being victimized but payal Credit Company has ignored all of my emails and complaints. I am being discriminated by Paypal. I am ready to close my account with Paypal for they are not assisting me with these mysterious charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Had a mortgage modification approximat ely three years  ago with  Wells Fargo,   have been making my payments on time during this period but recently when I called them to discuss a new mortgage they told me the mortgage has never been re affirmed therfore it does n't appear on my fico score or with the credit bureau? And  Wells Fargo s aid they ca n't talk to me about a new mortgage until this mortgage is re confirmed? They suggested I call my bankruptcy attorney and have him, repair this oversight? I have done this but have n't received a reply from my attorney? As I am doing this complaint at the same time I wrote a request to my attorney, how do I get this mortgage w ith Wells Fargo re affirmed so  they will talk to 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 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (VA).
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: As early as  XXXX   XXXX ,  2016  I disputed the accuracy of the reporting of  XXXX  Chase credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on  XXXX   XXXX ,  2016 .   XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable

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: Problem with cash advance

Complaint: I just joined navy federal through my niece And now I see all of our account have been frozen. XXXX my niece and my sister XXXX tried to use their checking line credit to do repairs and purchases and tried to write a check but were told that they used the incorrect check that belonged to a closed account. So my niece asked can she transfer the funds to my account since she could n't transfer it to hers or her mothers since they are getting ready to close in a house and ca n't have any credit or loan put into their account. She transferred the funds to be but shortly after all of our accounts were frozen. No call to use to confirm anything. They just closed everything down. I have an auto loan and credit card and checking account. How could they do something like this to our family? Especially my niece who always suggest navy federal to everyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received notification from Midland Funding llc that my savings account was going to be garnished. I was notified by my credit union with a copy of the affidavit by mail. I received the information from my credit union 2 days after {$450.00} was taken from my account. 

Upon calling Midland Funding I learned that they did n't even have my correct address. I was told they are a debt collector collecting a past debt for a XXXX Bank credit card I supposedly had between XXXX - XXXX. They gave me no additional information and told me to contact their law firm XXXX, XXXX XXXX XXXX. 

I spoke with a representative at the law firm on XXXX/XXXX/XXXX and got very little information. I asked for proof to verify that I actually had a credit card with XXXX Bank but was told they were unable to provide the original credit card agreement. I asked for proof that I indeed own this debt and was told they can only mail me their court filing regarding this matter. 

I also have to question why I am being " attacked '' for something that supposedly happened over 6 years ago. From what I understand the statute of limitation in the state of Ohio is 6 years. Midland Funding garnished my savings for a matter they claim took place between XXXX to XXXX. 

I also find it curious that my savings account shows XXXX transactions by Midland Funding on XXXX/XXXX/XXXX finally resulting in half of my joint savings account being depleted. I do not understand how {$570.00} was initially taken then {$570.00} was deposited back followed by {$560.00} taken out and {$560.00} redeposited. The final transaction was {$450.00} taken from the account by Midland Funding. All XXXX transactions took place on the same day. Why? Is this an attempt to make my account look like it had automatic deposit/wages added which would make garnishing look more legit?

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I called Transunion 's customer service dept about inquiries that had been on my Transunion file. These inquiries were deleted and later reinserted without prior notification. TransUnion customer service would n't take care of it. 

Section 6:11 of the Fair Credit Reporting Act that states anything that is deleted from your credit report and reinserted, the consumer is given a 5 day notification after that item is reinserted. I never received any notification from TransUnion regarding the reinsertion and yet they refuse to remove the inquiries listed below. 
I would like these items to be removed immediately because they have violated my rights under the Fair Credit Reporting ACT. 

XXXX XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX XXXX : Inquiry Date : XXXX/XXXX/XXXX Thank You, 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