milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Collection Consultants of California (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Collections Consultants of CA incorrectly has listed 7-8 debts per credit bureau. Despite my certified letter to them dated XXXX/XXXX/XXXX, they have failed to validate the many debts and keep incorrectly reporting them to the three credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On or about  XXXX   XXXX    XXXX  , I created a complaint #  XXXX  against  AMERICAN EXPRESS  GOLD DELTA SKYMILES. It was a clear case of UDAAP. This complaint is once again against  AMERICAN EXPRESS GOLD DELTA  SKYMILES for the same account ending in  XXXX .   Now i have the eligible transaction at  XXXX  of {$25.00} few days back. But  AMERICAN EXPRESS  GOLD DELTA SKYMILES is stating that they could n't find out any promotion on my account to award me {$100.00}.   Moreover when i chatted with them - they are stating  6-8  weeks for investigation alone and that too they wo n't notify me regarding the result of investigation.   This is ridiculous.  Amex  is finding way to deceive customers and take away the award money. Attaching chat with customer service and the recent activity from that card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2015 about Credit card () with Synovus Bank (AZ).
Issue: Billing disputes

Complaint: SirCan you please help with this problem. It should be easy to fix but since I cant communicate with this company makes it hard. Im sure they set it up this way to save money. 

I obtained a secured credit card from first progress for {$300.00}. The problem is XXXX credits are posted on XX/XX/XXXX and XX/XX/XXXX however they are not credited or deducted from balance, see file. Now they also want late fees. 

All the numbers I call or can find online either dont work or they have no idea. 

on card says first progress issued by Synovus Bank XXXX XXXX. Cant talk to a humanIve also called other numbers. 
I wrote them month ago no reply. 
This is a real stupid setup by this company. Please help as i am worried they are now going to show this as late account etc.. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On  XX/XX/XXXX     a request for my credit was made by   XXXX   XXXX   XXXX  . This is an inquiry on my credit report that needs to 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 04/21/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Several times I have tried for free report and have been told I must download forms and send in requested information. I have answered ID question honestly and still told I have to do the mail in process. Why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2015 about Credit card () with WELLS FARGO & COMPANY (VA).
Issue: Balance transfer

Complaint: I was offered a no interest balance transfer if paid off within 18 months as long as I made a minimum payment towards that balance transfer each month. I continued to use the card as usual for other regular purchases. Despite the fact that I regularly paid the outstanding balance in FULL and more than the required minimum payment, I was still charged interest on an unknown amount and Wells Fargo was either unwilling or unable to tell me exactly how or why they calculated the interest fees - I called twice to inquire about this issue and was not given satisfactory answers at either time. Finally, I was told that the only way to avoid interest fees was to pay the entire balance in FULL immediately. This feels like a bait and switch since I was never able to gain the benefit of the no interest offer that was made. This has happened for several billing cycles thus far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am employed in the XXXX business, I see other people 's credit every day, I have been now over 3yrs since chapter XXXX bk and have well established my credit, have paid all accounts on time, a mortgage, a vehicle credit cards and so forth on XXXX the other day, my Equifax score dropped XXXX points!!!. I continue to be turned down for insurance, credit offers, etc, all the time because of my low credit rating, yet I consistently see others that DO NOT have the history or depth of my own and they are over XXXX, a young man the other day came in a year on the job and a collection and with a XXXX credit limit he was over XXXX. The reason I 'm being told my score is low is because of inquiries, yet how do you rebuild or build a credit profile without an inquiry? I have patiently waited and my score has remained low as I stated earlier I continue to be declined for a simple credit card because my score is low. They even refuse to remove a tax lien from XX/XX/2009 that the XXXX has removed on there end, I sent all documentation to Equifax. I feel that I am not being treated fairly and that the system is very flawed, ( I can without a doubt prove it ). I am requesting an investigation into all XXXX OF MY REPORTS THANK YOU XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is a victim of identity theft. Her information was used without her consent to attempt to establish several credit accounts with various creditors. Attempts were made to dispute the fraudulent inquiries made into her credit as outlined under the FCRA however  XXXX   (   XXXX  ) of these creditor banks have failed to remove the inquiries from her credit reports  XXXX  which is a violation of the law ). Barclays Bank DE,  XXXX   XXXX  and  XXXX   XXXX  have each been notified of this fraudulent data and is some cases the bank was notified in writing twice. Each time was done certified mail with return receipt. The most recent credit reports obtained  XXXX / XXXX / 2017  those inquiries are still being reported.

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 01/18/2018 about Debt collection (Auto debt) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: They keep harassing me with letters and phones calls on top of more phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I have attached documentation regarding the identity theft directly from XXXX XXXX which includes a contact number that any third party may call to validate my claim of identity theft. I have also attached documentation from another collection agency that investigated my claim of identity theft and found that identity theft did indeed happen and deleted the account from their records.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit card () with PNC Bank N.A. (PA).
Issue: Payoff process

Complaint: I HAVE A CREDIT CARD WITH PNC BANK, THE PNC POINTS CARD. IT HAS A LOWER INTEREST RATE FOR PURCHASES, AND A HIGHER INTEREST RATE FOR CASH ADVANCES. I CALLED THE BANK TO FIND OUT HOW TO PAY OFF THE CASH ADVANCE BY MAKING A PAYMENT ABOVE AND BEYOND THE MINIMUM PAYMENT. HOWEVER, I WAS INFORMED BY PNC THAT THIS IS NOT POSSIBLE, THAT THE EXTRA PAYMENT WOULD GO TOWARDS THE BALANCE WITH THE LOWER INTEREST RATE. I INDICATED THAT THIS SEEMS TO VIOLATE THE CREDIT CARD ACT OF 2009, BUT THE PNC EMPLOYEE SAID THAT IS THEIR POLICY IN HOW THEY ALLOCATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am filing this complaint because XXXX, XXXX, and TransUnion have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that XXXX, XXXX, and TransUnion continue to report on my credit file : Bankruptcy Case ID # XXXX. I also contacted the United States Bankruptcy Courthouse in XXXX, GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from XXXX, XXXX or TransUnion trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from XXXX, XXXX or TransUnion regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus. XXXX, XXXX, and TransUnion are using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this inaccurate information. XXXX, XXXX, and TransUnion are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and XXXX, XXXX, and TransUnion have yet to verify. Also, XXXX informed me that they were not going to reinvestigate this information again unless I send additional relevant information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have errors and inaccurate information on my Equifax Consumer Credit Report. I have disputed these accounts as being inaccurate, and Equifax had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Payday loan) with Sunset Management, Inc (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received a marketing letter from Sunset Finance about a loan offer in the mail. I needed money quick for immediate living expenses and decided to contact Sunset. Big mistake, these guys are loan sharks. I did not realize the interest rate was 87 %, what a rip off and a way to take advantage of someone who fell on hard times. Now they are calling my friends, family an colleagues 2-3 times daily, leaving voicemails and triple-dialing my work phone. I sent a cease and desist letter and still getting calls disrupting me at work. These collection practices are unethical and unnecessary. I let them know I was in a car accident but does not seem to matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Cash advance fee

Complaint: During a dispute of the type of fee charged to my account Chase stated that they would credit back the {$10.00} fee as a courtesy ; however, later charged the fee back to my account. Their previous email did not indicate that the credit would be reversed dependent upon what occurred with the dispute. This appears to be a deceptive practice towards consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Medical) with Senex Services Corp. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Senex information shared personal private HIPPA medical information about my medical condtion with Bureau of Consumer Finanacial protection. 
they provided a document with all medical proecdures completed on me. this is against the law as per HIPPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: This claim is related to claim XXXX. I submitted a XXXX insurance check in the amount of {$44000.00} on XXXX/XXXX/15 related to my original claim.! XXXX of that was to be released to me immediately which as of XXXX/XXXX/15 has not happened. That was the subject of my original complaint. Now, my home has passed the 50 % inspection and Chase was to release the next XXXX of the original claim ( which they have done XXXX plus XXXX of the {$44000.00} which has not been done. I need this money to order materials and make necessary payments to the contractor so that I can move back into my house. I am incurring significant additional living expenses because of the delay in these payments of my money. I have complied with all of Chase 's documentation requests and they have done nothing to resolve the situation since they received the original complaint at the beginning of XXXX. I do n't no where else to turn to get my money and fix my home.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Transaction issue

Complaint: I gave my credit card number to a contractor to be used as a security deposit for services that we booked an appointment for. The contractor ended up using the credit card to charge us for their services and over-charged me for their services. I filed a complaint with Bank of America and requested the disputed amount of the charges be declined and allow me and the contractor to work out the dispute directly. Bank of America initially declined to dispute the charges on my behalf, then after receiving a letter that I wrote them regarding the issue, re-considered and offered to refund the full amount of the charges, then later, again changed their minds and only refunded a portion of the disputed amount claiming that they do not have the authority to refund all the disputed amount. 

I never approved the full amount of the charges and the contractor does not have anything in writing proving that I owe the full amount, and yet the bank is refusing to refund the full disputed amount. Furthermore, the bank assessed finance charges on the disputed amount that is not in accordance with our credit card terms. 

I feel that the banks actions regarding the dispute as well as the application of the finance charges is in violation of the law. 

I am asking that the full amount of the dispute be refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received multiple calls from an unknown number, which I did not answer. When the caller finally left a voicemail, she called herself XXXX XXXX, but did not identify her company. She told me to call back at XXXX XXXX as my 'case ' was being sent to XXXX XXXX. The same people then called my husband at his place of work and said they were trying to collect on an old credit card of mine that was written off over 10+ years ago. He said they were in violation of consumer protection laws by contacting him and told them to stop calling. The woman said she would mark this as a refusal to pay and claimed her company sent a letter, which I never received, in XXXX 2016. When I typed the number she gave into a search, I found several complaints about ARA XXXX, supposedly based in XXXX, IL. I contacted an attorney, who told me I need to get the company 's mailing address to file a law suit. He also told me to contact the FTC, which led me to this site.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have NEVER had a credit card with XXXX XXXX XXXX. This debt is being shopped around to several collection agencies dumb enough to buy it. This is NOT my debt and I will NOT be paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX, 2015, I learned that my credit card had been compromised via a text message from my bank, USAA. I called the company immediately and I thought I had made all arrangements necessary to have the card formally reported compromised to the card issuer, turned off, and a new one sent to me. A week later, I found out the bank had not turned off the card nor reported it to the card issuer. The representative of the bank stated that this was because our phone call had been cut off near the end of the call, and that the bank 's representatives are forbidden from calling customers back to complete the process, nor will they proceed with the actions being taken. Customers are not informed of this. In my case, this meant I did not know that my account was still vulnerable for a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with DISCOVER BANK (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Discover Student loans purchased loans I had originally taken out with XXXX. I have not missed a payment since I 've started paying on them. They have published list of criteria to qualify for cosigner release. First that you loan is a prior XXXX loan, next that you are XXXX, that you are a US Citizen, that you 've made the requisite amount of consecutive monthly payments on time ( which I did ), that you make more than {$1500.00} in gross monthly income ( I make {$10000.00} ), and that you have satisfactory credit ( they said the score they pulled for me was XXXX ). I applied for cosigner release and was denied a couple days later. I was told my income was too low. I followed up with Discover and they said the reason for the denial was that I did not provide proof of income. I followed up and provided the requisite information even though they do not specify on their release application that that information was necessary. I was denied again XXXX day later, again because they said my income was too low. I contacted them but was not able to get a clear answer on why I was having the same issue. I thought having a cosigner released would be easier than consolidating. I was able to get a consolidation loan within a half hour, with better rates. I will never use Discover again.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been making monthly payments, on time for over 13 years. I 'm a XXXX and was told by other XXXX that there is a program that we qualify for to forgive our student loan if we are XXXX and been making payments for over 10 years. I obtained the application, read the qualifications and I should have qualified from the beginning for forgiveness. I had the direct consolidation loan, which was another requirement. After getting the runaround and having to apply twice, I was told that I did not qualify, but that Fedloans was assuming my loan. I was told that my terms, payment, and everything would remain the same. Fedloans only would be servicing the loan. I even received that statement in writing. My usual payment averages {$110.00} per month. In XXXX 2017, I received notification from Fedloans that my new monthly payment will be approximately {$500.00} per month beginning XXXX 2017. I called Fedloans and was told that my loan was " looked at '' and at the current payment, my loan would not be able to be paid off within the 15 year term. I did not authorize Fedloans to " look at '' my account. I applied for a " forgiveness '' program that was advertised, and I qualified for per the requirements. I asked the rep from Fedloans if I had not applied for this scam, I would have continued my $ XXXX monthly payments, on time just like I agreed to do 13 years ago for 2 more years and nobody would even care? She said yes. All these years, I 've worked hard and paid on time. Now, I 'll probably default because I was tricked into applying, and giving access to Fedloans, based on their statement that they were " servicing '' my account only. ( Public Service Loan Forgiveness Program )

Company response to consumer: Closed with explanation