milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied and was approved for an American Express " Gold Delta SkyMiles Business '' credit card on XXXX XXXX, XXXX. As part of the application, I was offered a promotional " welcome offer '' consisting of XXXX bonus XXXX SkyMiles. This offer carried the following terms : " Earn XXXX bonus miles after making {$1000.00} in eligible purchase on the Card in the first 3 months ( 92 day ) of Card Membership. The Welcome bonus offer is not available to Applicants who have or have had this product. The bonus miles will be credited to the Card Member 's SkyMiles account 6-8 weeks after they meet the {$1000.00} purchase requirement. '' This offer is verified in a chat excerpt that is attached. 

I met the spend requirement of {$1000.00} on XXXX XXXX ( 87 days after approval ) with a purchase totaling {$37.00} to XXXX XXXX Now, which gave me a total spend of {$1000.00}. I have included my billing statements for all months the account has been opened to verify this. 

After waiting the specified 8 weeks from meeting the spend requirement, I reached out to American Express requesting a status on the whereabouts of the missing points. I was told there is a system issue that is causing points to not be credited. I was given a chat id of XXXX to note the conversation in which I requested the points be issued. American Express advised the investigation would take several weeks, but it has been almost a month beyond when the points should have posted. Screenshots of chat excerpts have been included.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Vehicle loan or lease (Loan) with Avid Acceptance, LLC (AZ).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I purchased a vehicle with XXXX XXXX XXXX, XXXX located in XXXX, AZ and was financed with Avid Acceptance LLC located in XXXX XXXX, UT. I never received vehicle since this was a online transaction. I found out that Avid Acceptance , LLC sent money to XXXX XXXX XXXX, XXXX and the owner XXXX XXXX never paid the floor for titles on vehicles. I am 1 of 6 victims of title fraud and Avid Acceptance , LLC just found out recently. Both Avid Acceptance , LLC as well as me, the consumer have been victimized by this XXXX XXXX XXXX, XXXX XXXX. I have currently submitted online complaint with the AZ Attorney General as well as title complaint with AZDOT and have placed fraud alerts via XXXX. I also have been working with a detective 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 04-08-2015 about Consumer Loan (Installment loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Taking out the loan or lease

Complaint: In early XXXX 2015, I entered Compass Bank to do business. The counter agent solicited business. I was redirected to XXXX XXXX, XXXX Representative. XXXX XXXX attempted to increase my home equity line of credit ( HELOC ). In doing so, she opened both a checking account and credit card account. I strongly protested to both immediately. She advised that the checking account was a requirement of all " new '' HELOCs, which is what would occur if my limit is increased. I was not aware that the credit card account was not closed until I received a statement a few weeks later. 

In the meantime, I did not want to go through the changes the bank required to increase my HELOC. On XXXX XXXX, I advised XXXX XXXX I was no longer interested. At the same time, I instructed her to close the checking account ( and any other accounts ) opened in relation to this HELOC application. When I received statements, banking and credit, I realized that nothing had been done. I reached-out to XXXX XXXX on a couple of occasions with no luck. When I sent her an email inquiring about her availability to assist, she established contact. Unfortunately, she failed to follow through. She did not close either account and I have called customer service to do so. Today, a week later I find out that the checking account can not be closed via phone unless it is at a XXXX balance ( sounds crazy to me ). Last week, they told me that my balance would be returned less a service charge. I was unhappy to hear that I have to pay to close an account I never wanted. When I was advised that I HAD to open a checking account, the minimum amount required to open was {$25.00}. I have already lost {$3.00} due to the monthly service charge. 

We are over 60 days and I can not get this checking account closed, just confirmed credit card account closed XXXX XXXX per my request yet I can not get this checking account closed. I have spent a considerable amount of time with Compass Bank. This reminds me of a time, not long ago, when you entered a mobile phone company 's establishment to browse and would leave to realize later that your mobile provider had been changed. The term used then was " slamming. '' Even electric companies practice slamming. I feel like I have been slammed by Compass.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2015 about Prepaid card (General purpose card) with PENTAGON FEDERAL CREDIT UNION (UT).
Issue: Overdraft, savings or rewards features

Complaint: I was issued a {$50.00} prepaid debit card through a rewards program with Pentagon Federal Credit Union. The card expired XXXX with none of the money ever spent. I am now being told by the phone number on the card ( XXXX ) and PenFed rewards program ( XXXX ) that none of them are able to refund my money or issue a non-expired replacement card. The rewards card # is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX liens on my credit report in the public records section. I challenged the information because I do not have any record of being sued. Equifax dispute resolution stated that the information had been verified with the XXXX XXXX XXXX. I contacted the court using the information listed on the credit report, no agency listed had any information on my name having liens. The case numbers listed are incorrect or nonexistent no one could help me find the information listed on my credit report. I have no idea who has placed this information on my credit report or how to contact them to resolve this issue. 
I also need the XXXX XXXX XXXX addressed because they have that I owed {$150.00} and my account was closed. My account was closed by someone other than myself without my knowledge or permission. When I notified the gas company that an error was made they setup a new account for me. The {$150.00} was already paid, so I would like that information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a letter to XXXX regarding an inaccuracy on my credit report, account number XXXX. They received and signed for the letter on XXXX XXXX, 2016 ( I attached the return receipt ). They violated federal law by not placing " notice of dispute '' on my account within 30 days of my dispute ( I attached my credit report as well, please see pages XXXX & XXXX for the reporting from 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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contacted all the   XXXX   credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know Equifax and and   XXXX   has been in the news for some deceitful credit score numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: I opened a Macy 's credit card in XXXX 2015. I did not receive a credit card so I was unable to set up online banking One needs the code on the back of the card to set up online banking. I called Macy 's who said I would receive a 30 day extension and a card in the mail. The card never came. I paid by check in the store the amount I owed. I asked via telephone at register if the balance was paid in full. They said it was. Since XX/XX/XXXX I have spent numerous hours on the phone only to be told that the fees are waived. I did this at least 4 times since XX/XX/XXXX at about 30 minutes per time. Each time they say the fees have been removed and they apologize for the inconvenience. Yet they just reported me late to the credit bureaus AGAIN, drastically reducing my credit rating and another bill for {$66.00} all late fees which I have been told over and over again that they would dismiss.

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 11-12-2017 about Debt collection (Other debt) with ERC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A company called ERC, also know as ENHANCED RECOVERY CORP is contacting me about a bill for {$810.00} that does not belong to me. I have no knowledge of ERC. I have never spoken with this company. I do not have a contract with them. I have already contact the BBB about them and they are continuing to post information on my credit report. I have already asked them to remove it and they refuse. I do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My previous apartment complex XXXX XXXX XXXX located in XXXX XXXX Florida did not notify me of any debts remaining after moving out of their complex. I now see a balance in collections of XXXX dollars. At no point in time was I made aware or given the opportunity to dispute these items as several of the charges are invalid. I had to call the apartment complex AFTER this had been added to my credit report to see a summary of charges, which again, several I want to dispute but did not have the opportunity to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with POPULAR BANK (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Loan is due XXXX for full Pay out. 

XXXX we faxed all paperwork pertaining to refinance ( fax transmittal in hand ) XXXX Resent more paperwork " now needed to process loan '' ( fax transmittal in hand ) Need a GOOD contact number or email to follow up on a loan modification. 


XXXX Sat on hold today 55 min on XXXX cust rep said what is the passcode ( we never set one up ) He said sorry you must call XXXX when we call it says hold on ( tried several different prompts ) and eventually hangs up XXXX for " new '' loans with the hope someone there could get us to the correct department. 

1 ) Please contact us back about the re-finance/modification on our 2nd loan that you hold. Reply to this email if you MUST but preferably to the customer on file email at : XXXXXXXXXXXX or Call XXXX and speak to your customer. 

TERRIBLE service, I guess the XXXX reviews were correct? Prove me wrong! If we do not hear anything within 48 hours, we will be forced to go higher : Starting with the BBB in California where the loan is provided. The BBB in Florida because that 's where your company is located. Lets see there is Florida office of financial regulation, or Consumer finance protection bureau, Attorney General Washington DC??? YOU PICK or simply give me a number to call and get this resolved. 

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 09-07-2016 about Student loan (Non-federal student loan) with NELNET, INC. (WI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I enrolled and attended XXXX semester of on-line schooling through XXXX to receive my XXXX. I currently owe over {$3300.00} in school loan debt for services that I did not receive, but also I NEVER received my degree! When we started our XXXX semester, I struggled in finance and was falling behind on my assignments. I scheduled a meeting with a teacher at the XXXX XXXX location in XXXX, WI to try and improve my understanding of this course. After four hours of waiting, the teacher still " never '' showed. It was after this experience, combined with the many struggles with unsupported staff that I did not feel I should pay anything more for a failing educational support system. I expressed this to the campus board and to the on-line contact representatives. I wanted to make something of my life and improve my education and status in life ... .instead, I have another outrageous bill with nothing to show for it and felt there was nothing I could do ... .I just want to be heard and to know if there is any hope of filing a Class A Suit against XXXX or become another individual to enroll in the " mentioned '' Class A Suit that is being filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Service Residential, Nevada, LLC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a letter a few weeks ago from a debt collector apparently trying to collect charges from 2007 when I originally purchased my house. I have looked up Nevada law and the statute of limitations for collections in Nevada is either 3, 4, or 6 years, depending on the type of debt. A debt from 2007 would fall outside this period, and thus, the collection company needs to stop contacting me. Additionally, they had a man come to my house with a " certified letter '' that threatened that they would file a default judgement. This is illegal as they have no standing to bring a case in Nevada as this is outside the statute of limitations and having a collector come to my house is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: multiple accounts are reporting incorrect balance information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently ordered my credit report form Transunion and i noticed some inquiries that i did not authorize. Such as 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. I 'm not aware of any these inquiries that has shown on my report.It 's cause significant damage to my credit report. I 've reached out to Transunion multiple times and stated that these inquiries does n't belong to me. I asked them to delete these inquires immediately. I 've put out fraud alerts reports in XXXX and XXXX because of situations like this.Someone stole my identity multiple times and opened false accounts under my name that I had to file a police report for. These inquires should be removed immediately since it 's against federal law ( Fair Credit Reporting Act-15 USC 1681n ( a ) ( 1 ) ( B ) to report false information on my credit report.

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 02/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: i have my student loans with navient i have XXXX loans XXXX federal and XXXX private. i have started to pay more on the private loans because the interest is 13.65 %. i have had XXXX loans since 2004 and that have n't paid down that much. as a matter of fact XXXX has gone up. after i started paying extra they start holding my normal payments, which are auto pay, instead of applying them. they did n't do that before. i know that they are doing this to drive up the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: RE : NationS tar/  XXXX   T his account was included in a  US  Ch.  XXXX  bankruptcy filing on    XXXX   XXXX  , 2010, c ase #  XXXX  The notation in th e Public Records Section has  been removed in the   XXXX    credit report HOWEVER The notation of the NationStar/  XXXX  is st ill showing as an active/open account and derogatory.   Please see attached court docs regarding this case.   This account was included in the Ch  XXXX  filing of    XXXX   XXXX  ,     2010  and subsequently discharged per court order.   The allowable time a Ch  XXXX  filing can remain on a credit report is 7 years from the date of filing - which was    XXXX   XXXX  , 201    0 (  case  XXXX  ) This account should be removed.  <P/>  XXXX  informs the mis-information being provided to them is from Nationstar.  <P/> NATIONSTAR MORTGAGE  LLC   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never had XXXX XXXX XXXX. This was disputed once before and removed from my credit profile nearly a year ago and now it reappears.

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 non-monetary relief
Consumer complaint received 05/27/2017 about Debt collection (Medical debt) with Designed Receivable Solultions, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is about a series of 8-10 envelopes that were sent to me by DSRI, which you will find attached to this complaint. The envelopes with the exception of one of them contain bar codes ( which represent numbers ) and QR codes, this is a major violation of the law 15 U.S. Code 1692f ( 8 ) - Unfair practices. I tried to resolve this matter with DSRI, but no one has reached out to me to address the issue.
<P/><P/>
15 U.S. Code 1692f - Unfair practices ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
<P/>
Please find the burden of proof attached.
1. Envelope violations with QR Code and Bar Code 2. Complaint And Demand Letter Both have been sent to DSRI, no response ...
3.   XXXX   v.   XXXX    Case Law Attached Please consider that if the following is happening to me it is happening to thousands of other just like me and I ask that the CFPB take this complaint seriously and even escalate this to the special investigations unit.
<P/>
I do not wish to dismiss this case and file a case in civil court and have to hire an attorney, which DSRI would end up paying for. I think we can manage to settle this matter before a class-wide resolution is needed.
<P/>
It is in the public 's best interest for the CFPB to investigate this matter as it will provide greater transparency into how debt collection agencies break the law and greater transparency into how DSRI conducts itself.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (IL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I have a fraud alert on my credit report. The below companies ran inquires without my permission. I disputed the below items with the credit bureau but nothing has changed. Anytime anything is done with my credit I am supposed to be contacted first. Please remove below inquires. Thanks XXXX XXXX Automotive XX/XX/XXXXXXXX XXXX BankXX/XX/XXXX XXXX Finance XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Real Estate/Public Accommodations XX/XX/XXXX ALLY FINAN I National Credit Cards/Airlines XX/XX/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