milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Rewards

Complaint: I signed up for the American Express Platinum card offer of XXXX points for {$3000.00} spend in the first three months. This application was submitted and approved on XXXX XXXX, 2016. The points became available in my account on XXXX XXXX, 2016. After being unable to use them, I was advised my account was under review and would take 6-8 weeks to process. After 8 weeks, on XXXX XXXX, 2016, I had American Express submit an escalation. On XXXX XXXX, 2016, I finally received a voicemail to call in. 

When I called in, I was told my points were removed for not fulfilling the terms in receiving the points. Originally, I was told, by representative XXXX, that even though I had over {$3000.00} in qualifying purchases it was because I had some non-qualifying purchases in there and it had to be the FIRST {$3000.00}. This is not consistent with the terms, so we escalated to a Manager, XXXX. The Manager informed me that they do not know the exact decision, but there are no ways to appeal or speak with someone regarding that decision. 

I believe that I satisfied the requirements with over {$3000.00} of qualifying purchases within the first 3 months. The points were unfairly removed from my account. 

Throughout this process, American Express never sent any communication to me to inform that my account was under review or what the status of this review was. I needed to call in to find out any details. Only once my final escalation was resolved did I receive a voicemail to ask me to call in. At this point, the decision was made. I was never afforded any opportunity to discuss my situation with American Express. Even if there was not enough of qualifying spend, the practice of awarding the points early and then creating a window of review that goes beyond the qualifying window is very deceptive. If points are later taken back, and extension should be granted to allow the customer to make up the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I believe there was more grants available I was a single mom and still ca n't coordinate all the loans it took me to get my degree

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (AZ).
Issue: Incorrect information on your report

Complaint: We have sold our primary residence moved across the country, and are now in the process of trying to buy another home, but we have an incorrect reporting of 90 days in default on a mortgage made by Citi Mortgage. Citi Mortgage is reporting we were 90 days in default on a mortgage we had already paid in its entirety. We were paying off a mortgage a few months early on our second home, a property we now own out right. 

We mailed a check for {$16000.00} on XX/XX/2017 to pay off the mortgage. We received a letter from them on XX/XX/2017 saying we were paid in full as long as the funds weren't returned. In XX/XX/XXXX the said they the check was returned, we contacted Citibank N.A., whom assured us Citi Mortgage has the funds and on XX/XX/2017 sent us a copy of the cleared check. We sent this Citibank N.A. cleared check copy to Citi Mortgage, followed up with a call and they said they had our funds and they were being used to close the account. 

On XX/XX/2017 Citi Mortgage sent us a letter stating our account was in default. I called and got no where, they only wanted me to make loan payments. Fortunately they also sent a letter saying if we were a service member we could get some assistance, so we called and the service member assistance person got on the phone call with us, and that made all the difference in the world. Citi Mortgage said that they had our funds, and have had received them XX/XX/XXXX. 

Also after that XX/XX/XXXX letter we started receiving daily phone calls threatening us with ruining our credit if we didn't pay on that loan. They would transfer our phone call, Someone from Mortgage would say they knew the loan was paid off and they would correct it. In the end they apologized, stopped the threatening phone calls and assured us there would be no reporting of late payments or loan defaults because they had our payoff funds the whole time. 

On XX/XX/2017 almost a year after they first acknowledged they had received a loan payoff, they sent us a check refunding late fees they had assessed for late payments, with an apology for their error.

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 06-06-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Account opening, closing, or management

Complaint: I have been a Bank of America customer in good standing since 2011, using a number their services. Recently, my savings account was frozen by the bank 's risk department without notice. The account was not overdrawn and had a steady balance. I was informed over the phone by a representative from the bank 's risk department that the bank had " made a business decision '' in closing my account. I was given no prior notice of the closure or reason for the decision, and I temporarily lost access to online banking for all my accounts ( including checking, credit, and money market savings ). The representative said I could resolve the issue at a financial center, where a bank representative would deliver me the funds " if they had the ability to do so. '' It took three visits over ten days to a local branch to finally get the funds released and the account closed. By the end of the first visit, I told the branch representative that I wished to end all business with the bank. Realizing that the account closure was likely an error and not wanting to lose my other accounts, she attempted to get me to keep my savings with the bank and ( I believe ) intentionally stalled closing the relationship. After each visit, I was told that the matter would be resolved and that the branch would contact me once the funds were released and the account closed, but I never received any contact or follow-up. I was unable to talk with the risk officer and the branch manager provided no further information about the situation. The bank was uninterested in compensating me for work hours lost attempting to resolve this issue. Once the funds were released, the bank dragged its feet in permanently closing the account as I had requested, presumably because they were attempting to retain my other accounts. Given that the bank chose ( for no expressed reason ) to close my account in the first place, I find it troublesome that I was forced to make several phone calls and three trips to a branch before they actually closed the account and returned my money.

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 02/19/2016 about Debt collection (Medical) with United Collection Bureau, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a debt settlement letter from a collection agency for a medical bill. The last day to pay the settlement amount is on XXXX/XXXX/2016 ; today is XXXX/XXXX/2016. I called today to pay the debt in full, but was told that the bill was sent to their attorney 's office and the collection agency could not talk to me or receive a payment from me. I was told that if the collection agency spoke with me, that it would be against the law. The letter mailed did not mention anything about the account being sent to an attorney 's office, if contact was not made. I tried to inform the collection agency about the settlement letter received, but again I was told that they could not talk to me. I then spoke to someone in their attorney 's office and was told that the settlement offer ( which expires tomorrow ) will not be honored because the bill was now in the attorney 's office. I was told to call back on XXXX/XXXX/2016 at noon and the supervisor ( who was not in at the time of my call ) will make a decision whether to honor the settlement price, which was unlikely. I even faxed a copy of the settlement letter as proof, because the attorney 's office did not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: A credit card I had with USAA Savings Bank was charged off in XX/XX/XXXX while I was serving as an XXXX XXXX in XXXX. USAA issued a " Cancellation of Debt '' XXXX to the IRS and myself on XXXX where I have already paid income taxes on the amount charged off. USAA however is still reporting to all the credit reporting agencies the same debt with an outstanding and Past Due balance for the same amount charged off in XXXX. I am in the final stages of getting a VA mortgage approval but USAA is unwilling to show the account with a XXXX Balance and noted they still intend to report the account as unpaid which is preventing me from a VA Loan approval. Several calls have been made to get this resolved but USAA is not willing to correct the information reporting to the credit Bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Student loan (Federal student loan servicing) with Williams & Fudge, Inc (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: All student loan payments were completed early XXXX. I moved to a new address mid XXXX. However, I am still receiving communication from debt collection agencies requesting that I send them more money. All credit card and student loan debt reported on my credit score should have been offset by my XXXX federal tax refund. But they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2018 about Payday loan, title loan, or personal loan (Installment loan) with SCOTT FETZER FINANCIAL GROUP INC (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Account is closed and was paid in full. Never late. Account is still on credit report showing a 60 day late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a dispute to Experian in XX/XX/XXXX. The dispute included documentation that proved the items were incorrect and a request was made for an investigation and for the removal of the invalid information. After 30 days, no response was received from experience, therefore I resubmitted the exact copy of the dispute along with the supporting documentation that the information reported was incorrect and another request was made for the information to be removed, this time the request was made that all the information be removed because experience and had violated the fair credit reporting act and failed to respond with any sort of indication an investigation had occurred. The second request was sent out certified return receipt. As of this date, experience and has still failed to respond to the disputed information and continues to show the information on my credit report causing irreparable damage to my credit score and ability to obtain credit. In accordance with FCRA Statutes, when a dispute is submitted, the credit reporting agency has 30 days to perform its investigation from the XXXX receives the letter. If it does not receive a response within the 30 days, it must remove the file completely. In the event information is received about the particular disputed items, the credit reporting agency is required to inform me who they specifically spoke with, a name and contact information and the manner in which the information was validated. Because the credit reporting agency mailed to respond within the 30 day period, they are bound statutorily to remove all of the disputed items since they never responded since XX/XX/XXXX. They can not use codes to validate the disputed itens, they must require the creditor who reported the information to substantiate that the information reported is indeed valid by providing copies of contracts or other legal documents which would provide proof that the accounts specifically belong to me. This credit reporting agency has clearly violated my rights and continues to do so causing great financial burden as I am unable to apply for credit in any for due to the incorrect informnation they are reporting.

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 12-04-2017 about Debt collection (I do not know) with Mel S. Harris and Associates, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unaware that there may have been any debt obligation until garnishment notification was sent to employer. 
All correspondence regarding requests for documentation are being attached for review

Company response to consumer: Untimely response
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Under the new law effective XXXX XXXX, 2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit Bureau Experian identification number XXXX and XXXX and XXXX reference # XXXX has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from 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 02/13/2017 about Credit reporting () with Professional Debt Mediation, Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Filed the following letters in no response

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
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 had previously filed a CFPB Complaint No. XXXX, to which I have received NO RESPONSE from Citibank. 

In the interim, I received my XX/XX/XXXX Statement from Citibank that shows that on XX/XX/XXXX Citibank reversed the " provisional credit '' of {$930.00} that they had given me when I made the original dispute.

Even though the provisional credit was reversed on XX/XX/XXXX, Citibank waited an additional 17 days before sending me the Billing Resolution Dispute letter dated XX/XX/XXXX. I received and responded to their Billing Resolution Dispute letter on the same day, i.e., on XX/XX/XXXX, at which time I provided Citibank with DOCUMENTARY EVIDENCE, including the USPS Tracking record and Signature Receipt showing that the item was returned to, and accepted by, the " merchant ''.

Notwithstanding the fact that my email of XX/XX/XXXX to Citibank provided written proof that they improperly reversed the provisional credit, Citibank failed to reapply the credit prior to the closing date of my XX/XX/XXXX statement. Nevertheless, Citibank had no problem adding THIRTY-TWO charges to that Statement, ALL DATED AS OF XX/XX/XXXX, or thereafter.

Further, Citibank added a " Finance Charge '' of {$190.00} to my XX/XX/XXXX Statement, NOTWITHSTANDING THAT I PAY MY ACCOUNT, IN FULL, EACH MONTH, and notwithstanding that they failed to reapply the credit that I am owed. 

In view of the above, my XX/XX/XXXX Statement is OVERSTATED by {$1100.00}!!

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 11-07-2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a medical bill on my credit report who was paid by my insurance and still showing on my report. I received calls from collection about a debt already paid with some treated by collection agents. This was never reported to my attention about this debt turn to a collection agency. I do not have ny knowledge of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I 'm not claiming that I was n't late on this account. I 'm asking for a courtesy removal because I was under the impression that this was set up to be auto paid and clearly it must not have been. That being said, I 've made all of my other payments on time since opening the account and continue to do so.. This would be a one time courtesy removal I am requesting, and will not be request again.. I would be happy to show you a copy of my credit report if you would like to show my timeliness on all of my liabilities. I take my credit very seriously being in the XXXX XXXX industry.. It is extremely important being a lender to have a good credit history. I 'm a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and this could potentially affect my licensing. Thank you for you assistance in this matter. My cell phone if you want to reach out to me is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Bank account or service (Savings account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: hunington bank closed our account checking & savings for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Auto debt) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated abusive harassing phone calls. I called to settle a debt and was to pay, they changed the amount to a higher amount when I went to pay the next day as scheduled. I called back again and they harassed me. I asked to settle again. I had a XXXX the next day and have been in and out of the hospital, and they will not stop calling and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I applied for a XXXX Discover Card about 8months ago, and everything was fine when I was paying with my XXXX account. However I move away to go to college so my mom gave me her debit card to process the payments. Discover card took my payments but never told me the debit card was not a form of payment that they use, so about two payments were rejected. I then put my mom on the phone so she could see what was going on and she is the one that found out about the debit card not being a form of payment. My mom then used her checking bank account, which was also rejected. My mom put the bank on the other line with the discovered card agent, to make sure everything was ok. Which discover card said that it would be ok, however that payment was rejected also. Discover stated it was rejected saying no account found. Instead of discover working this out with me knowing that one of their agents realized that it was a debit card I was paying with they still decided to close my account., due to the payments being rejected 4 times, which was because discovered never advise me that they did not take debit cards. My mother called in again to try it again, and now after two months of trying to get these payments to go through and agent advise her that they do except debit cards, but they have to transfer you to a different number, so this has caused my credit to go down or look bad due to discover not accepting my payments and not advising me properly, due to my account now being closed. 
I would like for discover to open my account back up, especially since I am still paying the bill on-time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Debt collection (I do not know) with Knight Adjustment Bureau (UT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This Debt Collector was trying to get money from me that I do n't owe through fraud and false information. They said that I had a credit card with XXXX XXXX XXXX XXXX, they went to court and tried to sue me, the case was denied and they tried again in another court to get garnish my wages, the case was dismissed again a 2nd time, this time, they said it was for a check where all the evidence showed that, I have never owed them anything. I have requested for the Knight Adjustment Bureau to not contact me for any reasons in writing that never stop them from contacting and harassing me over and over. They kept reporting the info as correct to the XXXX credits bureau and regardless of the court orders that it was dismissed and kept telling other bank to not do business with me while they know they are wrong.

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