milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Hello, My wife and I researched credit cards after we got married to move from individual to joint financials. We found the American Express Blue Cash Preferred Card online and deemed it to be the best suited for out needs. The promotion at the time was 6 % back at U.S. Supermakets ( up to {$360.00} a year ), 3 % can back at U.S. gas stations and 1 % everywhere else. The card is normally a {$95.00} annual fee but this particular promotion, on the American Express website, was 1st year free plus a {$200.00} statement credit after the first {$1000.00} of purchases. We applied for the card and were approved. We were thensubsequently charged the {$95.00} for the 1st year membership. We both have called numerous times about the charge requesting the reimbursement. The first call resulted in them opening up a review that took 6+ weeks, we received no call, and they closed it without resolution. After 8 weeks and two statements, and no {$95.00} credit, I called back. This time I spoke with a manager who worked with me on the phone to clarify and find the actual promotion they posted on their website. At first she claimed that no promotion ever existed. They magically, she found it, and confirmed it ran for almost 4 months on their website. She provided me the offer code and confirmed that we did in fact apply during the promo period and that I would receive the {$95.00} credit in 6 weeks. We are now around 7-8 weeks later and still no credit. The promo code I was given is : XXXX Sadly, for Amex, I acutally took a screen shot of the offer as well! Which clearly shows the promotion and terms for the card that we not only applied for but were also approved. 

I have called roughly 5 times and have been given nothing but more delays, empty promises of return phone calls and credits that never happen. This is unacceptable. If you aren't going to follow thru with your promotions they should not be offered. And if you aren't going to follow thru on your own accord, you should definitely do it after someone calls and you confirm as a company you are in error.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received repeated calls from transworld systems incorporated on phone number XXXX for a debt I do not owe. The company seems to think I owe money to a hospital, however, all my debt is paid. The company keeps asking me for personal information and I refuse to give it to them as I can tell it must be a scam. They get angry with me when I will not confirm my date of birth or any other information and refuse to mail me documentation and proof of bill or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Between XX/XX/XXXX and XX/XX/XXXX Transunion deleted several inquiries from my credit report and reinserted deleted inquiries without proper notification to me. I would like to have these inquiries removed. I spoke to a Transunion representative over the phone but she was not able to resolve the issue to my satisfaction.

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a copy of the letter I sent to Equifax on XXXX XXXX. Over two months have passed, and I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed a debt that I do not owe with AFNI within the 30 days of the 1st notice. They sent back a letter to me that was basically another bill..yet put the account on my credit report right away. I asked again and they provided a validation after the 30 days. The amount is not owed. Equipment to the cable company was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Good-afternoon, I am submitting a complaint on Chex-systems because on or about XX/XX/XXXX I requested a Chex-systems report online because of an identity theft issue that I have. I reviewed my report and found a fraudulent account that was established in my name for the sole purpose to apply for a credit card in my name with XXXX XXXX, because if you are not an existing customer they require for you to apply in person. The identity thieves established this account and the account went in to charge off status once they used the credit card and deposits were never made to the account. There were also a list of fraudulent inquiries with several institutions they are as follows XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. The last time that I applied for a checking account was with XXXX XXXX XXXX which they have been my bank since the merger of XXXX. I sent in a fax to Chex-systems with XXXX different police reports that were filed on separate months because of the continued theft against my personal information. I have had a lot of frustrations with this issue as it has been my responsibility in contacting each institution and notifying them of the theft. I am filing this complaint and attaching a copy of what was sent to chex-systems by fax, in hopes of clearing my name from any negative reporting and inquiries that have resulted from the fraud that has been committed against me. My file should be reporting free of any charge offs and no inquiries against my report as i have not applied for a checking account since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account XXXX credit card listed as a charge off in collection status has not changed in 60 days. I have wrote and called equifax and all they do is write paid in the comments. The payment status of the account should say paid was charge off. 
The company ' has sent the correct information to the equifax and still they have not updated the payment status to reflect it as. A paid was charge off status. 
I am in the process of mortgage and have explained this to equifax with no luck Also the company capital accounts for pet vet has asked equifax to delete the account pet vet from its records off my file and they have not done this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Consumer Loan (Vehicle loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (IA).
Issue: Managing the loan or lease

Complaint: My auto loan bank, BMO Harris, is not allowing me to access my loan information online and is making it extremely difficult to access loan information by phone. I just got caught up on my loan payments as I got behind when I got laid off from my job. When I was in default, the bank said I would not be able to set up an online account to look at my information and make payments. I understood, but then I got caught up on my payments so I owed {$XXXX} as of XX/XX/2016. I called to set up online banking but they told me I could not set up online banking because I was once in default and now can never set it up. This is very problematic for me because I need to be able to access my account to keep caught up on my payments. Today it says I owe {$440.00} dollars - three days later - and I do n't know how. My monthly payment is supposed to b {$290.00} so I do n't know what the extra charge is and I ca n't go look on my online account to see. I tried to call and the auto loan management number, which always works, wo n't register my social security number or auto loan number after calling and attempting at least a dozen times. I can not talk to anyone at BMO without getting through typing in a valid SSN or loan number so I can not talk to anyone about these charges. BMO seems to be deliberately making it difficult for me to make my auto loan payments. They have also tried to repossess my car unlawfully, citing that I owed {$4000.00} when I really owed {$400.00} and had made the payment but they had n't processed it yet. They are not working with me to allow me to make timely payments and wo n't let me have access to the information I need. It 's like they want me to default so that they can re-possess the car. I will not sit by while this happens to me and they keep making unlawful charges and not helping me pay.

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 01-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am trying to dispute information on my credit report with TransUnion but they are not asking for my documentation. TransUnion investigation results are listed this is a joint account verified, NO change. This company is collecting for XXXX at XXXX XXXX apartments, whose management company is XXXX XXXX XXXX, who have done nothing but lose payments and over charge residence at this property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For years I struggled managing my debt. In XXXX I was contacted by Navient. They helped me process a payment schedule based on my income. The result was a XXXX  montly payment for two years, while the interest accrued. Then in XXXX XXXX, Navient offered me an XXXX of XXXX on XXXX worth of consolidated loans. I do n't see how I will ever pay this debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Federal student loan debt) with Ceannate (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I got this letter in the mail in early XXXX, well I 've already signed a contract where I can not devote any of the information while I am paying off a loan that could be connected to the one given here by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report for both XXXX and Equifax are showing old high balances on several accounts that are showing I either paid off or there is little to no balance. This is impacting my credit score because it is showing I have several high balances and this information is not being updated properly. For example I used XXXX and had a high balance of {$3800.00} in XX/XX/XXXX. I paid off the credit card on XX/XX/XXXX and its still showing a high balance reported in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with Alliance Data Card Services (PA).
Issue: Delinquent account

Complaint: First I recieved a phone call from someone who said I was being sued over a debt I had and to call this phone number he gave me to talk tomsomeone regarding this debt. I called the number he gave me and spoke with a guy XXXX XXXX he said I was being sued for a bon ton credit card i had 15 years ago in the amount of around XXXX but i could settle this debt now and not be sued if I paid somewhere around XXXX dollars. I was freaking out I told him I did not have XXXX dollars, he told he if I gave him so much down and then i could give him the rest later. I had to give him a date I would b able to give him the rest. He said he sent me letter saying I was going to be sued but i never recieved them. Well when I looked at my bank statement the XXXX dollar payment was made to a company called XXXX in California. My wife did some research and found people online were being scammed in the same way I was being scammed. So I called XXXX and told him I was afraid I was being scammed and he said he would send me a statement, saying what I owed and other information, by email. I got the email and at the top it said his company name which is XXXX and XXXX. My wife immeadately looked them up online and nothing came up. So I called the bon ton they said they didnt have any record of my account and that the statue if limitations would have ran out on my credit card and that they couldnt come after me 17 years later for this debt. She said to look up my credit score and if there was something u owed it would b on there. So did that and there was nothing. I called XXXX back and asked him about the statue of limitations thing and he said well u made a payment on this acct a while back. I know for a fact that I have never made a payment on this card since the last one I made 15 years ago. I told him I was n't going to pay him anymore money. He said he was going to sue me. I was XXXX in my youth and made mistakes I 'm still paying, in bad credit, for, but these guys are taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Billing disputes

Complaint: I have a Kohl 's credit card ( managed by Capital One ) account with automatic bill pay set up. The bill pay was rejected by Kohl 's. I called for an explanation, because as far as I can tell the information was entered correctly. Kohl 's told me to contact my bank to confirm that. I called XXXX XXXX XXXX to confirm that my account was correct, but found that when I logged into the Kohl 's online interface, while I could see my full routing number, I could only see the last XXXX digits of my bank account. XXXX XXXX XXXX suggested that I call Kohl 's for the full information that I gave them. I called Kohl 's back and they told me there is no way for me to find out what information I typed in there and they could not tell me because they themselves could only see what I see. They can only tell me the final XXXX digits of my account. Without being able to check if the bank information I entered into my Kohl 's account is correct, I am unable to investigate this matter further on my own as to why the payment did not go through. How can a company like Kohl 's withold my own personal information from me that I gave to them? After I gave them the required identifying information to prove that it was my Kohl 's account? I do n't want this negative information on my credit report, but neither company is helping me find out what really happened, if it was indeed mis-entered information or if there is a mistake on their end. I feel totally disempowered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX, XXXX and Experian has been run inappropriately, mis-used, Illegally " shopped '' Auto Financing for what was approved for each  company involved. XX/XX/XXXX - XXXX XXXX XXXX XXXX TN - With this company I came to dealership to have them submit potential loan to XXXX XXXX  ONLY but they refused to do so due to % of loan to value because of negative equity. I advised this was to Only be submitted to XXXX XXXX but I received inquiries for all bureaus for XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX date ALL on XX/XX/XXXX -XXXX from company said he did not run it through to anyone yet showed the credit pull through ALL Bureau 's XXXX , XXXX and Experian has been run inappropriately, mis-used, Abused, Excessively Illegally " shopped '' Auto Financing for what was approved for each company involved. XXXX XXXX XXXX TN - They did not only over run my credit for One date but also re-ran it again without my consent, signature or verbal approval. When asking about my paperwork they would be submitting they refused to give me this information. I advised them to only run to XXXX XXXX, XXXX XXXX, or XXXX XXXX when I came in as I am trying to buy a house, On XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX they ran with 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 from company refused any paperwork for any potential deal they may of submitted, refused me copies of anything signed.Refused to show me any " numbers ''

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Just by creating an account I was automatically subscribed and billed to a {$19.00} fee for a useless service.

These are the steps shown on the screen during account creation. There is no mentioning of a fee or any order button at any point in time.

Step 1 Tell us about yourself Step 2 Create your account Step 3 Verify your identity I tried to get help from the customer service and they said they can't help me with a refund. 

Here is the link to the form : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I've pulled my report and find an XXXX Collection account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt is out of statue and when they call me they said something about being sued for the debt. They are also continuing to report this to mt credit bureau when it is out of statue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted multiple times to remove this debt that does not belong to me from diversified consultants. The company mail information stating that it was mine but never had proof I signed anything. They have used ridiculous tactics and harassment to get me to pay for something that I never even had.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: In XXXX 2016 I mailed a letter to Transunion that they received in XXXX 2016, and I have yet to get the results of the investigation. I reviewed my credit report, and none of the accounts that I requested to be disputed were marked as " Consumer Disputes Account '' .On yesterday evening, I contacted Transunion and spoke with a representative that stated they had received my letter however when she asked what accounts were disputed ( mind you, she was supposedly looking at the letter I sent ), none of the accounts had been disputed. I asked to speak with a supervisor in which I was transferred to someone that represented himself as " XXXX XXXX '' ( alias name as this person was also in XXXX ). He also pulled up the letter after I explained the dilemma and he advised that per the letter, I did n't ask for the accounts to be disputed but he stated the results were mailed out on XXXX XXXX. Now I was really confused, if you did n't perform an investigation, how in fact could there be results sent of an investigation? I advised him that if in fact an investigation was performed then the accounts disputed should be noted as " Consumer Disputes Account ''. I finally got frustrated enough to thank for his time and move on as he was obviously just reading from a script. I contacted Transunion 's special handlings department this morning and spoke with XXXX, who advised they had only placed XXXX items from my request in dispute which were the XXXX items that were the second page of my request. I did confirm that they did receive the request in its entirety which was XXXX pages, she confirmed. Apologetic, however, she was unable to offer a remedy to the problem besides wanting to put the items under dispute at the time. I advised that this was unacceptable and against FCRA in the sense that they received the letter and failed to perform the investigation according to what was written on my letter. They violated them sending the accounts over the creditors within 5 days of receipt of my letter, BIG FCRA violation. I asked to be transferred to their legal department as I wanted to get the information as to where and who I can send my motion to that I will file with my local court. I was transferred but received the typical voicemail in which I did leave my file #, name and phone number and to which I am now awaiting a response ( if I ever get one ).

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