milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon reviewing my XXXX credit report I recognized that I have 8 hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXXXXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX and XXXX. 

Upon reviewing my XXXX file I also noticed 3 hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX XXXXXXXX XXXX XXXX, IA XXXX that is showing for XXXX and 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 non-monetary relief
Consumer complaint received 09-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Rewards

Complaint: I applied for an American Express Platinum card on XXXX/XXXX/2016, with a bonus of XXXX points attached to the account. I tried to meet the spending requirement of this card by using it to make big upcoming purchases, such as airline fees, dental services, and prescription for my health issues at my local store ( e.g., XXXX XXXX ). I met all of the requirements, and the bonus posted on XXXX/XXXX/2016. However, my points got retracted on XXXX/XXXX/2016. When I called customer service to ask for the reason, I was informed that there was a " misuse '' of points and some purchases were not qualified for the minimum spending requirement. 
First of all, I do not understand what it means by " misusing '' points, as I have never used any single point in my account. Second of all, I am not exactly sure why American Express thought it was a good idea to post my bonus point 3 months ago ( which obviously indicated that I had met all of the requirements ) only to take back all of those points today. This is misleading to customers, and I think that American Express is doing this on purpose in order to bait customers into using their cards without having to give them any points. If some of my purchases were not qualified, then why would the bonus points got posted? If I had known that some of my purchases were not qualified, then I would have used my card more in order to meet the minimum spending requirement. 
I went overseas for a couple of months in the summer, and was not able to use the card. If I had known about this, I would have made more purchases before I left in order to receive the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt collection company involved is : Commonwealth Financial, XXXX XXXX XXXX, XXXX XXXX PA XXXX Phone : ( XXXX ) XXXX They call me about 2-3 times PER day during business hours while I 'm at work, I have already blocked their phone multiple times but they use a different number every time. 

The worse part however is that this debt is from XXXX, and they are reporting it in my XXXX credit report with a date of XXXX XXXX. I have already disputed this debt and got it taken off my XXXX  credit report, however XXXX has been uncooperative on investigating and resolving the issue. I had to speak with 3 different customer representatives and finally the last one begrudgingly submitted my dispute request. Their final result was that the debt was valid even though it states in the investigation document the debt is from XXXX, they still left the date of XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX account was paidin full with call ctr on XXXX XXXX, 2012 company reported as unpaid and in collection. I have copy of payment taken from my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Debt collection (Medical debt) with United Revenue Corporation (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent certified letters to XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX and again on XXXX XXXX disputing the collection account from United Revenue Corp in the amount of {$560.00}. On all three occasions, XXXX stated the information was verified and accurate ; however, no documentation to support their response was sent as I requested, only that the debt was verified. I contacted the creditor directly ( per the direction of XXXX if I still disagreed with their findings ) by certified mail on XXXX XXXX XXXX ( the company responded quickly stating only that the debt was verified ) and again on XXXX XXXX XXXX requesting that they validate the debt. The company signed for the certified letters on XXXX XXXX XXXX and again on XXXX XXXX XXXX but I have never received any documentation validating the debt. In fact, United Revenue Corp never responded to the XXXX XXXX XXXX certified letter. I contacted XXXX AGAIN by certified mail on XXXX XXXX XXXX advising that they did not provide any documentation to me and the creditor has not responded to my second certified letter. I received a response from XXXX today, XXXX XXXX XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation or address the issue on why the company did not respond to my second certified letter. This has been ongoing for 6 months now with no resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (UT).
Issue: Deposits and withdrawals

Complaint: I opened a Checking account with Chase Bank today. I deposited XXXX cashier 's checks, XXXX from XXXX, XXXX. XXXX XXXX Bank totaling {$2300.00} and XXXX from XXXX XXXX totaling {$1400.00} with a grand total of {$3800.00}. The funds were placed on hold with a Regulation CC hold for it being a new account and funds are to be available on XXXX/XXXX/2016. From my understanding of XXXX if the grand total of, in this case cashier 's checks, the deposited checks are less than {$5000.00} " a depositary bank shall make funds deposited in an account by check available for withdrawal not later than the business day after the banking day on which the funds are deposited. '' Since these funds were deposited on XXXX/XXXX/2016, it being considered XXXX/XXXX/2016 's business day, should said deposited funds not be available on XXXX/XXXX/2016? I feel that my funds are being delayed an extra day longer than Regulation CC allows. This is likely to be happening to multiple customers which may cause additional financial burden on those customers whose funds are delayed longer than they should be.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Bank account or service (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Deposits and withdrawals

Complaint: I am a disabled/retired state employee that banks with the State Employee Credit Union. They also hold my mortgage ... Which is two months behind. I have been working with XXXX XXXX, at the XXXX XXXX office in XXXX. Last month she deducted {$300.00} out of my checking account to go towards my mortgage ... without any notice or authorization from me. I live on XXXX and a widow 's check ... And I barely make it month to month. To take {$300.00} from me causes me a hardship you would n't believe. My co-pays for my meds are around {$200.00}. I got on the phone last month and ended up talking to XXXX. He told me that if I ignored letters and phone calls, they could legally take it out. This was the case with me ... last month. He allowed me some money back so I could get my XXXX and live on until my next check on XX/XX/XXXX. Well ... She did it again! She took out {$300.00} on XX/XX/XXXX. Only this time I had not ordered my medicines yet ... Any of them. XXXX XXXX suggested we call the bills I paid that morning to get them to hold or delay payments ... I declined. She also told me that the money was showing in my account and that I should hurry and get my medicines while it was still there. I was NOT out of touch with her ... we had talked the previous month. We discussed me putting money into my share account ... And I had put {$100.00} in there ... she still deducted the {$300.00}. he has no right to decide how and where I spend my money ... And especially not to leave me hanging with no money and n medication for 3 weeks. Seems like she should be doing foreclosure papers ... Not taking my money

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 01/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: In XXXX and this month in XXXX I could not get my free credit report. I was only able to get it after filing a CFPB complaint last year. So I will cut to the XXXX and do it again,. This is a violation of the FRCA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with Protas, Spivok & Collins, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent a letter to this firm on a debt to Protas, Spivok & Collins , LLC. To please send me the information on this dept, ( as per the sample letter you provide. The letter was sent Certify mail. So I can obtain proof of my actions within the thirty days. They have returned a reply, with a some papers that was looked up online. No original signatures, No Statement of last activity of the account. they stated its a judgement, but not on my credit report. ( SOL must of ran out, if it was on their ). I will send them another Certified letter again but highlighted with info required and have it notarized. I will also give them a order to stop until proper info has been provided on this debt. That I will take full legal actions against their firm in the state of Virginia.

Company response to consumer: Untimely response
Consumer complaint received 07/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I recently opened a checking account with Bank of America. I made a {$80.00} withdrawal XXXX XXXX. A few days later when I went to make a withdrawal my account showed XXXX balance. I knew I should have had around {$500.00}. I call the bank to find out what happened and was told of XXXX more transactions made a few minutes after I made my {$80.00} transaction. I did not lose or misplace my debit card. I filed a complaint over the phone with the bank rep. Bank of America replaced {$800.00} the next day but when my payroll check came in the automatically took the {$800.00} back out of my account. I called the bank and requested to see the film of my account transactions so I could prove that it was not me that made the other transactions. They said ok but never contacted me. Now not only did they take my hard earned {$500.00} but they also show me owing them {$300.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-08-2015 about Credit card () with REGIONS FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: This matter was previously filed under case number : XXXXThe merchant agreed to withdraw the disputed charges, but hasapparently reinstated these charges and has not closed theaccount as we had requested. 
Attached is their most current billing. 
We have not used this card since the complaint was made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit card () with AMERICAN EXPRESS COMPANY (ME).
Issue: Advertising and marketing

Complaint: During my flight booking process on the XXXX ( XXXX XXXX XXXX ), there was an American Express offer before the checkout/payment option for my flight tickets for an American Express Delta Skymiles Gold Card, which stated : " {$150.00} Statement Credit after you use your new Card on a XXXX purchase in your first 3 months. '' After applying, I was shown that my account was pending a manual review and if approved, I would receive the card in the mail within 15 days. Noting there was also no available option that if approved, I could receive my card information in an instant email instead of waiting 15 days for the physical card in the mail. THIS DEFEATS THE PURPOSE OF EVEN APPLYING FOR THE CARD, AS I WAS GOING TO USE IT IMMEDIATELY TO PAY FOR MY TICKETS AND RECEIVE THE {$150.00}. CREDIT. THIS IS AN INNAPROPRIATELY PLACED ADVERTISEMENT WITH NO DISCRETION THAT YOU MAY NOT BE ABLE TO USE IT DURING THE IMMEDIATE PURCHASE OF YOUR TICKETS WHERE THE ADVERTISEMENT IS PLACED. I SIGNED UP FOR THE CARD FOR NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NC).
Issue: Settlement process and costs

Complaint: I was approved for a loan modification last year XXXX. Made all the payments on time during the trial period. I Mailed the signed contract in XXXX XXXX with the envelope they provided. In XXXX they contacted me and said they never received the contract. I faxed and emailed signed contract over to them for a second time. They complained about my signature is not matching and changes to the contract. So I faxed it over again, 2 times in XXXX XXXX, New contract with new signatures and dates. They are now claiming that I do n't qualify for the modification because I did n't turn the paperwork in on time. However of until just a week or so ago it was showing them still available on the electronic on my account. Why would I make the payments and not turn the paperwork in? Why would they Continually contact me about the " missing '' paperwork if they were n't gon na let me qualify for the modification? Now they are threatening foreclosure again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (AL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Have requested on several occasions for them to not contact my family members. They somehow have my step mother and father 's cell number which I did not give them. "  XXXX  '' also told me to pay and the calls will stop. I am going through a divorce and I am not able to pay at this time. Every call is contact me today or further legal action will occur. "  XXXX  '' has contacted my step-mom who was n't even my step mom at the time the loans were taken out so how could she even be a contact? "  XXXX  '' is clearly using deceptive practices to try to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted Diversified Consultants Inc. on XXXX/XXXX/XXXX concerning a credit report account opened XXXX XXXX, XXXX for {$2200.00} by XXXX XXXX XXXX. I asked to receive validation of the debt with an original bill due to the fact I have had XXXX XXXX phone service for years now and the date they placed on my credit report was in no way accurate. The representative and her " supervisor '' told me that they do not actually have a bill and would have to request one and that the date on my credit report is not the original date but the date their company decided to put when they bought the debt. I know this to be illegal not to mention I am being refused my basic right as a consumer, being able to validate this debt with paperwork. The " supervisor '' tried to rush me off the phone saying I would be sent a bill in the mail once they tried to get it from XXXX XXXX XXXX without even having my current address. I stopped him and gave him my current address in which he stated " oh, I was just about to get that. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (DE).
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 was shocked when I reviewed my credit report and found late payment. I am not sure what happen but I believe I had made my payments when receiving my statements if they were not deferred. The accounts show incorrect late payments for the entire year of 2016 from XX/XX/XXXXto   XX/XX/XXXXwhich are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Since XXXX XXXX XXXX, I have been getting the error message : " Sorry, account temporarily XXXX. Please contact support. '' when logging in from my authorized device. My Case ID is # XXXX I have XXXX factor authentication enabled, so am not sure why this happened in the first place. 

I have had no issues with verification and have previously made XXXX purchases on my account. I messaged support via their website on XXXX XXXX XXXX and only received a holding response thanking me for my query, so I called up their support number on XXXX XXXX XXXX, got through after XXXX mins waiting. I was told that I had to " reset my password '' and that my issue had been " escalated to a XXXX ''. They sent me an email confirming this. I successfully reset my password but still have been unable to access my own account. 

Once again, I called support on XXXX XXXX XXXX, got through after an hour, but no support offered beyond reiterating the previous message that my issue had been escalated and I was asked to " be patient ''. No timeframe was given as to when my seemingly straightforward issue would be resolved. 

It 's been over a week now of having a significant amount of money tied up in my account which I can not even access. I am not sure when this will be resolved, will they grant me access to my account in a few weeks / months / years? 

This company seems willing to accept deposits, but does n't allow customers to even access their accounts - this raises questions as to their legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Auto) with Stephens and Michaels Associates, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a credit card, auto loan, and personal loan from XXXX XXXX sent to Stephens and Michael 's Associates debt collection law firm. While making the payments to Stephen 's and Michael 's I was under the impression that all of my payments were going towards the debt. When I completed my payments with Stephen 's and Michael 's I contacted the bank to get the title of the car since I was under the impression that all our debts had been paid. The bank explained to me that Stephen 's and Michael 's charges a XXXX-XXXX % fee and that I still owe the bank. Even the customer service representative admitted that this is a common tactic of Stephen 's and Michael 's and that others have been led to believe that their debts were fully paid off when they in fact were not. The entire time in dealing with Stephen 's and Michael 's I was never informed of this fee and the fact that the final payment I made was n't going to fully satisfy the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: On XXXX XXXX, XXXX, a lady called my elderly mother and told me I was going to be served court papers within XXXX hours and to make sure I was home. This was a case of fraud against me. She gave her a number I could find out more information and I called this number. She told my mother that I had given them my mothers name, addres, and phone number. My mother was in a panic. When I called the guy told me he could dissolve this out of court if I paid monthly for XXXX months and put XXXX down today. However, they said the debt was for XXXX on a credit card from HSBC. XXXX problems with this : I have never given my mothers name phone number or address to anyone except my employer as the emergency contact. I have never had a bank account from HSBC nor a credit card from this bank and I have lived overseas in XXXX for the past XXXX years with XXXX accounts in United States for the past XXXX years. I havent even visited United States in the past XXXX years. While I am a US citizen I have lived exclusively in XXXX and XXXX for my job for the past XXXX years. I diligently check my credit report from the writer states often to make sure that theres nothing on it and at no time in the past XXXX years have I ever seen anything from HSBC bank or from any other bank to suggest that identity has been stolen or that any type a valid account has ever been defaulted on. The phone number they told me to call was XXXX. When I figured out it was a scam I threatened to report them to the authorities and he used very XXXX language and called my mother a very XXXX name.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Auto debt) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I told the company already that i am dealing with the BBB and the XXXX XXXX because the car is a lemon. They continue to call me day and night everyday and all day.

Company response to consumer: Closed with explanation