milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In XX/XX/2017 American Express Advertised to me, a new XXXX credit card that offered XXXX XXXX miles as a signup bonus ( after spending up to a certain amount ). The terms stated that someone who'd already had this card was ineligible to receive the sign up bonus. I could not remember if I'd had this card before, so i contacted Amex to ask them. The representative I chatted with asked me to wait while he checked all my accounts. He came back and told me that I'd not had the card, and confirmed that I was eligible for the sign up bonus. With this information, I decided to apply for the card. If I had found out I was not eligible to receive the bonus, I obviously would *not* have applied for the card. 

I applied for the card and reached the spending threshold but my miles never arrived. I reached out to Amex and eventually found out that I didn't receive the miles because I did have that card years before. I explained to them that I'd specifically asked them if I'd had the card, and if I was eligible for the bonus, and the answer given said specifically that I WAS eligible. They were not willing to understand that they should still award the miles, or that it would be unethical to punish me because THEY gave me false information. They claimed to launch a " back end '' investigation, and every time I checked in there was no information. They told me the max time would be 8 weeks. However, 9 weeks after opening the investigation, when I contacted the rep still had no information ... and depsite me saying over and over that I had a screenshot of the chat with the Amex rep, no one at amex would even let me show them. 

They should be required to deliver the miles they owe, and not be permitted to trick me into applying for their credit cards. Their customer service issues are also almost unimaginable ... but that's probably not within the scope of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Capital one has now twice ( just this year ) charged interest when they should not have. Both times were credited when I called to complain, but I am certain most people are not tracking their payments and charges as in depth as I do. For the month of XXXX, I had a statement balance of {$11000.00}. Throughout the statement period, I made 4 payments totaling {$11000.00}. I was then charged {$95.00} in interest for that month. I called and they did offer to credit my account, however no one seems to know why this continues to happen. I make well over 100 charges and payments throughout the course of the month and am meticulous about reviewing everything. If I did n't do that, I would n't have known that I was n't supposed to be charged. I feel there is more to this than just my two instances and people are being wrong charged.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with WELLS FARGO & COMPANY (PA).
Issue: Closing/Cancelling account

Complaint: My name is XXXX XXXX and I 'm contacting you for third time, this time with updated information. Wells Fargo/ Dillards card services responded to my complaint. The sent me out a letter which will be attached in this filing. I disagree with them not reopening my account for non-payment when the just got a check from the credit protection for XXXX. When initially before the account was closed they were challenging me saying that they did no offer credit protection on their cards but come to find out they did. The last physically payment I made from my personal funds on this account was in XXXX, because I was informed from the credit protection who Wells Fargo/Dillard 's told me did not exist but in fact it did and they sent the payment just two months after a long battle and dispute with them as well. My account would have been paid on time if Wells Fargo/ Dillard 's would have did there job from when I first brought this issue of who should have been paying the account. They did n't know that my credit card was protect and that negligence on them as a financial business. Also I informed them in late XXXX that there were fraudulent charges made on this account and that was the cause of the account being over the limit and again my complaints/ concerns went unattended and handle properly. I 'm now ready to pursue legal charges against them because this has affected my credit in a negative way. 

I honestly feel that because I had previous personal checking account that was closed by wells fargo that this is why they are refusing to reopen my account. They have a payment that brings the account to paid in full, and the over limit is because of fraudulent transaction that occurred on the account that I was n't able to dispute because of the status of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2016 about Credit card () with Alliance Data Card Services (MI).
Issue: Credit card protection / Debt protection

Complaint: HI my name is XXXX XXXX. On XXXX XXXX, 2016 i received an email from XXXX XXXX stating that a new credit card account was added to my account, in which i have n't had any new ones opened in over a year. So i took the time to look at what it was talking about, and i found a Account for Victoria Secrets, I have NEVER had any account for them ever. I looked further into it and found that Comenity Bank added my Boyfriend XXXX ( Card/Account Holder ) Victoria Secret Account to my credit report, in which, i am not on the account in anyway besides that i am allowed to speak with them regarding the bill only. not allowed to do anything else with the card. They Added me as a Authorized user WITHOUT my permission and without my boyfriends permission. They got My SSN & my Address somehow WITHOUT my permission and used it ILLEGALLY to add and Account that is NOT mine in anyway to my credit report and i 've sent them a letter to remove it and said they ca n't because i am authorized on the account to SPEAK with them. ( I am only allowed to speak with them, I am NOT JOINT on the account in anyway either. Before i got my lawyer involved he told me i need to report this to FTC and the directed me to contact you guys. This needs to be taking care of, it has taken a very big toll on my credit score and i am very unhappy that i have to deal with something like this. Let alone what Comenity Bank has done to me is Illegal. Please contact me back ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2015 about Debt collection (Credit card) with National Credit Adjusters, LLC (IL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: National credit adjusters got this debt firat and then sold it to XXXX and then sold it to XXXX. all collectors violated fcra, fdcpa and tcpa along the way. ( SEE CALL LIST WITH XXXX PHONE NUMBERS CALLED OVER THE LAST 7 YEARS )

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: no responds from company or additional information on how to resolved issue half answer from XXXX bank still was notified of any changes or updates

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by   XXXX    & EWS . This is preventing me from communicating with other financial institutions.I 've advised   XXXX   XXXX    XXXX  this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the   XXXX   XXXX   XXXX   XXXX  account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with   XXXX   XXXX   XXXX   XXXX  and still has yet to be assigned to an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told  XXXX  days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoever noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX  data hack. Someone else was using my information. Identity theft.

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 08/16/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In 2015 I was approved for the Florida Hardest Hit Program where that program paid my mortgage payments for 12 months due to my hardship. I also was approved for the amount of {$18000.00} that would have went toward a portion of my amount to reinstate my mortgage but my Servicer refused those funds because it was not the total amount to reinstate. I recently completed my participation with the Hardest Hit Program and due to a decrease in my income I went to a HUD approved HUD Counseling agency to applying for a loan modification and the servicer has informed me that due to my mortgage being 3 years in arrears and a new rule set forth by CFPB they can not open a file for me to be considered for a retention option. I feel this is an unfair ruling based on if my servicer would have taken the {$18000.00} I was approved for by the HHF Program that would decreased the amount of delinquency and would have helped me in my attempt to save my home form foreclosure. I recently have increased my income and I am seeking a favorable solution to save my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Mi-Atlantic Consumer Services keeps contacting me and family members to collect debt on which I have paid already. They have threatened to contact my human resource department as well. Even when I talked to them on the phone and told them I do not feel comfortable sharing information over the phone, they seemed to get mad at me. I even double checked my credit to make sure this was not on my credit and that I indeed paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Chase bank recently used faulty information to extort over {$3000.00} from me and my wife. XXXX they raised the escrow amount for our monthly mortgage by less than {$200.00}. We pay our mortgage automatically and I forgot to shift to the new, higher payment. Starting in XX/XX/XXXX, we received several threatening letters from Chase 's collection agency claiming we owed them over $ 3K. We raised the funds overnight and sent it to them. We did not owe them over $ 3K, though. We owed them less than {$300.00}. When I called them, I learned that : ( 1 ) Even though they deposited the checks I mailed them in XXXX and XXXX, and even though I no longer had access to those funds, they did not count them towards the mortgage payment because they were not the full amount. 
( 2 ) Because of that, their system generated an automatic letter to me claiming I owed over *Ten times the amount I owed* ( 3 ) When I then asked what would happen with the extra money I had given them over what I owed, they told me they had automatically applied it to the principle on my mortgage without ever asking me, and that in order to get it fixed, I would need to give Chase an addition {$140.00}. 
In short, they took money from me, did not apply it to my loan, threatened me unless I gave them over $ 3K and then used my money without asking me. Not only did their mistaken letter cause serious cash flow headaches for my household, but the icing on the cake is that in order to get them to do the right thing and use the extra funds the way I want them used, I have to pay them even more money. The situation is galling, and if it 's not illegal, it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: On  XXXX  2017,  I reported to Equifax that there were accounts reporting inaccurately on my credit report, and requested them to be removed due to them not belonging to me. There are   XXXX   accounts the remain on my credit report that are reporting and do not belong to me, nor had the  Credit  reporting agency provided me with information pertaining to validation such as a name and contact information with whom they validated this information with. The following accounts are reporting incorrect on my account :   XXXX   XXXX  - Acct #  XXXX   XXXX   XXXX  Acct #  XXXX   XXXX   XXXX  Acct #  XXXX   XXXX   XXXX  Acct #  XXXX   XXXX - Acct #  XXXX  To date, Equifax has not provided me with any proof of a contract, nor proof of validation from whom these incorrect accounts were validated with.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with Capio Partners, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Capio Partners to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (NC).
Issue: Settlement process and costs

Complaint: I have made requests to Specialized Loan Servicing for a standard or legal size copy of the loan agreement that is allegedly the one I signed. I have been sent some kind of a small version that I can not read because of " reduced '' size. This is not a document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Payday loan debt) with Baker Recovery Services (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XXXX I fell victim to an online payday lender, XXXX. This company is owned by the XXXX XXXX XXXX tribe and was a scam. Neither XXXX or XXXX XXXX are licensed in the state of CA therefore, any and all loans or agreements are null and void. 
I received multiple calls and was harassed at work by XXXX, until I made them aware that they are not licensed and they need to cease and desist. 
The calls stopped and I had not heard about them until recently. 
I checked my credit report as I had been being turned down for things and I noticed my score dropped. XXXX XXXX sold this illegal debt to a company named Baker Recovery Services - I immediately initiated a dispute with the credit reporting agencies, and I also emailed the owner of Baker Recovery Services. I let her know this debt is illegal and it is illegal for her to be reporting it on my credit report. She would not give me their license number either, and kept giving me the runaround. When I asked more questions she stated she would not longer email but would speak with me on the phone due to me threatening her. I was n't threatening anyone. I was exercising my legal rights. I need them to remove the illegal debt from all of credit reports and not to sell it to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been disputing a charge ( {$600.00} ) from XXXX XXXX. since XX/XX/XXXX. The charge was for a phone plan that I did n't agree to, that charges me for every toll call. After noticing this mistake, a manager named XXXX ( extension XXXX ) reversed these charges and put me in the correct plan. A timeline of my complete history ( names, dates, XXXX XXXX, Legacy ) with this account will be uploaded and was sent to Experian Credit Reporting at the time of my first dispute.
My XXXX XXXX Credit card did an investigation and XXXX XXXX XXXX accepted my dispute and credited me the charges. This form is also going to be uploaded.
XXXX and Experian had reported XXXX as a charged off account. I disputed these charges and will upload the results of their investigation and reinvestigation. Experian actually said on theXX/XX/XXXX results that " we are unable to use it ( the documentation I provided ) to make changes or deletions you requested ''. I called Experian in late XX/XX/XXXX and told XXXX, and mentioned to him about the refusal to use my documentation. He said " Oh, you did n't have a contract with them ''. He said he will re-dispute this based on an ownership issue. He kept the same Dispute number as before.
Report number XXXX- ... ... .. with Experian was emailed to me with the results on XX/XX/XXXX. Experian came to the same conclusions, so I called them up and all they could say was to call XXXX.
A reinvestigation by XXXX came up with the deletion of my XXXX account and my Credit Score reflected this. XXXX XXXX report will also be uploaded.
XXXX XXXX and XXXX have ruled in my favor and after 2 attempts, Experian has come up with a different conclusion. I would question the process Experian went through to come to different conclusions.
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 explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Equifax has failed to remove a negative reporting from my credit report after repeated phone calls, mailed documents and online disputes. The item that is currently in violation of the FCRA section 605 ( a ) ( 5 ) is a XXXX XXXX XXXX account # XXXX showing a redeemed or reinstated repossession. By law, this account which did not result in a loss to the lender or the sale of the vehicle to offset the loss, does not fall under FCRA section 605 ( a ) ( 4 ) or section 605 ( c ) but under section 605 ( a ) ( 5 ) which only allows the adverse item to be reported no more than 7 years from the date the adverse item occurred. I have attached a detailed payment summary from XXXX XXXX XXXX showing the date of repossession and subsequent reinstatement as well as the fact the account is paid in full with XXXX balance with no loss to the lender. The repossession and subsequent redemptions latest occurrence happened on XX/XX/XXXX which would mean the reporting of the repossession and subsequent redemption should have been removed after XX/XX/XXXX. There were also no further 30/60/90 day delinquencies reported on this account after this date as well. This item still remains as a negative reporting as of this date despite repeated attempts to have it updated to no longer reflect the repossession, reinstatement or delinquencies. XXXX and XXXX have XXXX  updated their files to correctly reflect the paid in full status with no repossession, redemption or delinquencies since the redemption date ofXX/XX/XXXX. At this time, Equifax is in violation of section 605 ( a ) ( 5 ) and subject to civil sanctions if this reporting is not corrected to reflect the proper status of " paid in full with no delinquencies '' to be consistent with the law and what XXXX and XXXX are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is refusing to remove the CH XXXX bankruptcy from my credit file. I filed back in XXXX XXXX so the public record should have been removed on XXXX XXXX. I called them last week and I was told that they would not remove it and would stay on my file until XXXX XXXX.

Company response to consumer: Closed with explanation