milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Payoff process

Complaint: Several years ago, American Express enrolled me in a " pay over time '' program in exchange for them giving me some quantify of Amex points, which are redeemable for certain benefits. I did not initiate the discussion about this program - my best guess is that it was a cold call or brought up in conjunction with a call to resolve an unrelated issue. At the " point of sale, '' I was told that this would not result in any additional charges to me as the consumer. At some point between XXXX XXXX and XXXX XXXX ( which is my best guess - and Amex has no record of when it was ), I realized that Amex had automatically been placing certain charges into this " pay over time '' category, and which led to the accrual of significant interest, whereas I would have just preferred to pay the entire charge at one time and avoid any and all interest. I was not told this would happen when I was enrolled in this program, as I clearly remember being told that no additional charges would result from this and that it was a great way to get more rewards points, which is why I should enroll. When I made the realization that the point of sale representation was false, I demanded that I immediately be disenrolled in the program, and on that same call I was told I was disenrolled from the program. Recently, I noticed the same charges on my card, reflecting that I had NOT been disenrolled as promised. When I called to complain, I was told that, in fact, I had never been disenrolled and was now enrolled in XXXX " pay as you go/pay over time '' programs, neither of which I consented to. Amex reversed the most recent charges, and I asked that an investigation be started to determine ( i ) why I had n't been disenrolled in the first instance, ( ii ) identification and reversal of all charges owing to this program, ( iii ) confirmation of complete and total disenrollment from any pay over time / pay as you go program. In the meantime, I searched my account records back to XXXX XXXX ( which is as far back as I could go on the Amex online system ) and saw that from XXXX XXXX to present, charges of more than {$1100.00} had accrued owing to these programs. After a two week investigation, Amex told me ( 1 ) they could not identify when I was enrolled ; ( 2 ) they could not determine if or when I was disenrolled ; ( 3 ) they could not determine the amount of charges at issue ; and ( 4 ) they could not determine how or why or when I was re-enrolled in the initial program or enrolled in a new similar program. Amex refused to take any corrective action because " there was a time when charges did not accrue, so you must have been disenrolled at some point. '' I requested the investigation be reopened and escalated, and was told Amex was unwilling to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I enrolled in automatic payments with Navient in XXXX, XXXX however, on XXXX XXXX, XXXX, I received a notice indicating that I was delinquent 2 months worth of payments and that Navient had debited my account ( via the automatic payments!! ) last month and will be debiting my account this month for the past due balance with LATE FEES! I was not refunded late fees after calling Navient and instead they tried telling me that because two different departments set up the automatic payments, one conflicted with the other. 
I also requested a change in my due date back in XXXX, XXXX and again in XXXX and Navient still continues to debit my account AUTOMATICALLY by the first of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Midwest Recovery Systems attempted to ding my credit by reporting to the three credit bureaus that I owed money on a payday loan. When I requested for said proof, they never provided. Therefore, they agreed to remove tradeline off my credit reports. And they did, for XXXX only. 

The negative tradeline still shows on XXXXn & XXXX. Therefore, I request that they remove those negatives items, just as they did on my XXXX  report. Therefore, I resubmit once again a complaint for them to do right. I should not have to complain with the CFPB every month to take care of this, this should have already been done. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Consumer Loan (Installment loan) with USA DISCOUNTERS LTD (VA).
Issue: Managing the loan or lease

Complaint: USA discounters has not been refunding the total amount back to customers when they add new products to a contract. When they rewrite the contract They do n't apply the full refund back to the customers. A little bit it left in the principle to keep accumulating interest and the principle. 
This happened over my XXXX rewrites as I added new items. I did n't catch it until I was in a court battle with USA discounters and reviewing all my contracts. I noticed the difference when I compared there previous warranty and debt cancelation charges to the refunded amount. I read thought there bankruptcy paper work and they stat in there that those XXXX items are broken down over the length of the contract. 
When I went to court about the matter we settles but the lawyer told me I would probably win that section of my case if we went to the judge. I settled on a XXXX pay back ay 9 % interest over XXXX months. Which is fine by me when I was suppose to pay XXXX total. 
I need to bring this forward because if they did this to me they are doing it to other customers before they started there chapter XXXX. I hope you can look into this and it is found to be true and they are stealing form customers.

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 04-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI a debt collection company located in Illinois reported a debt of XXXX dollars onto my sons credit AND ONTO MY CREDIT. 
My son XXXX reported them to the CFPB a month ago and AFNI responded and said the debt should have been taken off due to his bankruptcy. They took the debt off of his credit this past week. However the debt still remains on my credit and has not been taken off, In fact they reported it to my credit yet again after telling my son that the debt was not valid. 
In truth the debt did not belong to either my son or me, XXXX could not find any ( I said ANY ) evidence that the debt belonged to either I or my son. Despite what AFNI may say they have illegally reported this debt on both mine and at one time on my sons credit. I am demanding they take this off my credit ASAP. It had also better not roll back onto my sons credit. If this issue is not resolved in full that means the debt goes off my credit and my STAYS off of my sons credit they will be sued for damages. 
This company has a long track record of under handed tactics, I am no push over and I will not tolerate this game AFNI is playing with by my sons credit ( an expectant father ) and my credit ( a senior citizen ), I HAVE LIVED AT MY ADDRESS FOR OVER 20 YEARS. XXXX HAS NEVER BEEN AVAILABLE AT MY ADDRESS IN THOSE 20 YEARS. MY SON HAS AN ACTIVE XXXX ACCOUNT. HOW CAN WE OWE XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Debt collection (Medical debt) with Collection Information Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX, 2014 ( 3 yrs, 5 mos ), {$710.00}, XXXX XXXX XXXX Never respond back to my letters. Because I have never been to this hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (I do not know) with Fairfax Consolidated, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone message on XXXX/XXXX/2015 from Fairfax services tel # XXXX. They asked that I return their call to XXXX. I googled the name of the company which I discovered is a debt collector. The message stated that they are looking for whomever is handling the affairs of a named relative of mine who has been deceased for thirteen years now. I am also aware that all that person 's debts were cancelled upon their death with all creditors. Therefore, I am shocked that someone is harassing relatives to collect on debts of a deceased person thirteen years later.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Credit card) with Forster, Garbus and Garbus (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Since regulatory action was taken in XXXX 2015 by the CFPB against the agency in which this law firm represents for many various issues, the validity of any alleged debt produced by this organization should be called into question. An attorney has reviewed any of my alleged debts and has advised me that I am judgment proof. However, this legal firm ( Forster & Garbus ) decided to sue on an alleged debt owed to XXXX ending in XXXX. They proceeded with a special civil suit in XXXX XXXX, NJ, XXXX for a total alleged amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX Acct # XXXX. This debt has been disputed previously. Fox collections has since re-aged the debt by applying a payment to the account. I have never made a payment to this account either through Fox, or the client. Fox says I made a payment through their client XXXX XXXX XXXX last month for {$50.00} ... This is impossible since the practice has been closed for a few years now, the new practice is not collecting or servicing XXXX XXXX 's debts and XXXX XXXX is deceased and I am disputing this debt. I called and explained to Fox collections that I was making payments to XXXX XXXX and that they accidentally sent this to Fox for collections. Fox created XXXX new accounts for XXXX XXXX : XXXX with acct # XXXX and XXXX with their parent company info for # XXXX each for the same amount of {$190.00} balance. XXXX associates pulled these XXXX erroneous collections back due to their mistake and I received a letter from Fox stating they would be removed and XXXX XXXX was. Now the XXXX XXXX XXXX account # XXXX is showing a payment.I have not completed my validation of this debt and have never made a payment on it. Fox refuses to correct this issue and to contact XXXX associates to verify. I believe that Fox is attempting to re-age an old collection, which is illegal reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Other

Complaint: XX/XX/XXXXWelcome to Card MembershipWe are pleased to let you know that your application for the American Express ( R ) XXXX Card has been approved. We hope you 'll enjoy the benefits of Card Membership. 
As of XX/XX/XXXX I have not received my card. 
I made numerous call to American Express, and I was promised a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
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: After looking over my credit report. I as of late received a duplicate of my credit report from the credit reporting agency. Which by the way is self proclaimed as being not only accurate and complete but also metro 2 compliant in the verification of their consumer credit reporting as detailed in the description of XXXX ( their web based automated verification process ) Their exact XXXX  definition ( per XXXX XXXX XXXX ) is that " XXXX is a web based metro XXXX compliant, automated system that enables data furnishers ( DFs ) and credit reporting agencies to create and respond to consumer credit ... ... '' Due to the reporting i noticed a late payment being reported by XXXX XXXX XXXX which I disputed with them on XXXX XXXX with tracking number XXXX in which they failed to comply and ignored my request after I disputed with the credit bureau and they failed to comply as well on an alleged DEROGATORY late payments DEFICIENT Of required proof of adequate federal reporting compliance namely metro XXXX and the FCRA standards XXXX reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and or civil court rights. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to HOW, WHEN, and WHY these late segments are notations within my credit worthiness! Puzzled! Left with no response that complies with metro XXXX. So I decided on enacting my rights to COMPEL, them as required to mandate the alleged data provider of the UNPROVEN derogatory suggestions of late payments to surrender to credit bureau as they surrendered to me an evaluation of my record throughout the life of the loan.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: TransUnion was the service used to check my credit for a housing application. After completing my housing application via XXXX/transunion, a pop-up for a {$1.00} credit score report from trans union came up. I decided to take advantage of this service. However, TransUnion, without notification or receipt, automatically signed me up for a monthly membership and credit monitoring ( that was not advertised ) for a fee of {$19.00} per month. I called twice to have the fee cancelled and refunded. At first the representative said they did not offer a refund and that I had agreed to this montly billing. This however is not accurate, their terms of service did not state an automatic sign up for a monthly fee. I called back and the second representative was able to file a refund, which should show up on my credit card in 3 to 10 business days.

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 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My loan was transferred to XXXX XXXX in XX/XX/XXXX from XXXX. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (I do not know) with Renton Collections Inc. (WA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: SOMEONE FROM RENTON COLLECTIONS CALLED ME AT WORK, AND USED LANGUAGE THAT WAS MOCKING AND DEGRADING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was traded to Freedom Mortgage, XXXX 2015. Per line XXXX of my XXXX, I have a front foot assessment payment that is applied to my escrow. After multiple calls to Freedom Mortgage over a period of 6 months, Freedom Mortgage has advised me that they will only pay this assessment for this year and will not pay the assessment in future years. This is a breach of my closing contract. I never signed any documents allowing Freedom Mortgage to change the terms of my escrow contract. I have also requested documentation from Freedom Mortgage stating that they will no longer honor my escrow agreement. They have advised me that they will not send me any documentation stating that they will not pay the annual assessment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit card () with Comerica (FL).
Issue: Credit card protection / Debt protection

Complaint: I filed a dispute and provided proof of RMA ( Return Merchandise Authorization ) and that I was unaware of what the other charges from a related company were for. Unlike any card company I have ever dealt with they denied the claim and sent me back to the merchant even with proof that I returned the product.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is reporting a hard inquiry on my credit reports I never applied for a loan with them

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mathes Management Enterprises, Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquires on my credit report that I did not authorize. I have requested that they be removed and they have not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: I previously requested a modification on my home loan with  Wells Fargo. While the modification was pending..payments  were made, but not applied to my loan. I was advised that the loan must first be in default before the loan can be reviewed for the modification. This resulted in my loan showing more delinquent than the loan actually was on my credit. The lender then appraised the home for more than the value of the home and did not provide a copy of the value obtained when requested. The principal balance was then increased excluding the payments made and not applied at the time of the modification.  Wells Fargo  excluded the payments and based the monthly payment on now a more significant appraised value and raised the monthly payment by several   XXXX   XXXX  . I was forced to accept the terms in order to save my home and was now severely delinquent. At the time of the modification the principal balance was increased to more than the value of the home at that time and the previous payments made were now misapplied. I followed up with the mortgage company in regards to the misapplied payments made during my modification review and they in turn researched it and after several phone calls and months, reversed them but indicated the payments could not be applied to the mortgage payments, but had to be put on the principal balance, in putting the payments on the principal balance, no restructure took place to lower the principal to reflect the funds applied. So.. to me if felt as if there was no resolution. I fell behind on m y HOA f ees trying to regroup from the now increased payments that caused an additional hardship.     To make matter worse, I am in a community property state and from what I am being told, the modification was recorded incorrectly.

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 03/14/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I recently lost my job right before XXXX last year. Since I have n't found a new one yet I have been unable to keep up on my credit cards or keep my cell phone turned on. Since Kay jewelers has been unable to get ahold of me, they have been calling every family member and my ex husband and his family and disclosing information about my debt! They told my grandma that she needed to get ahold of me on XXXX to contact me about paperwork I needed to finish filling out for my credit card!!! What on earth?! It 's embarrassing enough losing my job and not being able to pay anything after I had such good credit and now they 're just humiliating me while I 'm down. Now every single member of my family and my ex husbands family knows I have a Kay jewelers card that I 'm behind on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get over 30 calls a day. I explain that I am at work and they continue to call.

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