milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: I applied and received an AMEX with a bonus of XXXX bonus points after {$3000.00} spend was met. My spend was met on XXXX XXXX, 2016, and my points posted on XXXX XXXX, 2016. I have tried and called several times to get my points transferred to my airline of choice. I was told that the points would be credited XXXX8 weeks after the spend was met. My points have credited. I ca n't spend my points. I was told it would be XXXX8 weeks. It has been over 8 weeks since my spend was me. I have been told by over XXXX people at AMeX that my dates for available points were, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have attempted to get my points transferred to no avail. However, I AM able to use them as credit on my statement. As seen in the attachment where they credited them back for me. My points should be available for use now. As of today XXXX/XXXX/16, I again spoke with someone else who has informed me that every time I attempt to transfer my points, it pushes me further down the line for my points to be available. Really? What kind of reward is this. I paid {$450.00} membership for a rewards card that I ca n't get my rewards on. Also today, the conversation I had with the representative from AMEX informed me it 's XXXX8 weeks from the time my {$3000.00} spend is paid off. REALLY?? that was no where in my membership agreement. I know my balance was paid, but that does n't have any bearing on when my points should be able to be transferred. Stories are being made up on a daily basis. The attachment shows charges added through XXXX XXXX went way over the {$3000.00} spend ( not including the {$450.00} membership fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Debt collection (Medical) with SYNCHRONY FINANCIAL (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get at least 2-3 calls a day sometimes less than an hour apart

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to Captial One requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. I also sent a certified letter dated XXXX XXXX, XXXX to XXXX requesting the same information and nothing has been done by either Capital One Bank or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received a letter to collect on a debt for toll road charges and the letter sent does not have the 30 day validation disclosure, does not state the mini-Miranda disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: Contacted the lender ( SPS ) regarding documents for a refinance. After months of attempts. XXXX XXXX - XXXX XXXX XXXX we were stalled on various recorded phone conversations regarding an ACTUAL HARD COPY OF THE MODIFYING NOTE Itself. SPS has produced a copy of the loan modification application, and they have the hardship letter in their possession ( submitted by the borrower, me ) however to date they are unable to produce the actual signed document regarding the loan modifications. We did apply for a loan modification on XXXX/XXXX/XXXX and SPS informed us that the government program regarding the loan modification was no longer available. To date there is no change or was never a change in the mortgage payment to account for a loan modification. SPS has stated on XXXX/XXXX/XXXX that a " REQUEST FROM THE PRIOR SERVERS ( of the loan ) TO PROVIDE ACTUAL COPIES OF THE LOAN MODIFICATION. We are quite frankly finding it hard to believe that they have all copies of the loan modification documents except the most important part of a loan modification ( the very document that explains the financial workings of a loan modification ) We were also told that this was an open ended time frame for acquiring these loan modification documents and that we would just have to wait. We have come to your agency in hopes that you can assist in resolving this important issue within agreeable/allowable/lawful timeframes. Any and all immediate assistance would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I ordered a product online but when I received the package was empty so I contacted the merchant first, which told they would open an investigation and follow up with me but they never did. Then I contacted XXXX XXXX and sent them all my evidences, they gave me my money back. Unfortunately my Costco XXXX XXXX credicard was not longer valid, Costco and XXXX XXXX ended their business relationship and all accounts was transfers to City. City without my knowledge return the money to merchant and is charging me the amount. I called City customer service and explained the situation but they totally washed their hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (GA).
Issue: Account opening, closing, or management

Complaint: A couple years ago, I paid for an ebay product with paypal and they charged by bank account twice. I stopped one of the payments at my bank ( XXXX ). After this paypal demanded a whole bunch of bank statements etc. I refused and told them to close my paypal account. This happened over a year ( maybe two years ) ago. Now they keep sending me spam email telling of changes to their account policies. Today I went on their website to re-close my account. Their website wo n't let me send a secure message to close the account. I called their customer service to close the account. They say the account is limited and they wo n't close it. I want them to close the account immediately and they refuse. Please make them close my account. I do not owe them any money, I have no orders in process. I have not do n't business with them for over a year and they will not close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off a loan on a double wide mobile home 30 years ago. The Bank of America never sent me a release at that time and now I am trying to get an original of the lien release for each side of this mobile home. The bank states that the originals were sent to the County of XXXX XXXX, who has nothing to do with mobile homes and they said they would have sent the paperwork back to the bank. I have tried since XX/XX/XXXX to get this resolved, phone calls, personal visits to the bank, etc. The only thing they have sent is a faxed copy which the Department of Housing will NOT accept to remove the legal owner as BofA. Your help in getting this resolved would be extremely appreciated as I have hit a dead end and have no where else to turn.

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 05-11-2017 about Debt collection (I do not know) with H. Kent Hollins, Attorney at Law, P.A (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: A company called and stated we owed a debt. We asked for proof and never received any. Years later they called again. We still were not given answers. Then they sent a letter stating they were garnishing my husbands wages. We never had a chance to fight it. We lived in Florida and the debt collector is in Kansas. They claim the debt is from  2007 b ut fail to provide proof. Now they keep sending letters that show debt and a 12 % interest rate monthly. They garnished my husband wages until we moved and he changed jobs. Now, they 're sending letters again demanding money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I filed a complaint with the CFPB case # XXXX concerning fraudulent charges to my XXXX XXXX XXXX card When I pulled a copy of my XXXX and TransUnion Credit reports on XX/XX/XXXX, My XXXX XXXX balance reported as {$1900.00}, with DATE REPORTED : XX/XX/XXXX But then incredibly and in response to my XX/XX/XXXX complaint of fraudulent charges, XXXX deliberately updated my balance MID-CYCLE to {$6800.00} on XX/XX/XXXX to reflect all the disputed fraud charges. There are only two ways to interpret this. Either XXXX recklessly posted the balance in error or XXXX retaliated to harm me and my family by deliberately posting inaccurate information. My credit score dropped another 16 pts as a result of XXXX actions, my closing for the {$600000.00} mortgage had to be cancelled. With a deadline of XX/XX/XXXX to close or lose my deposit, unless XXXX, TransUnion and XXXX  update this account to reflect the correct balance of {$1900.00}. I will be suffering more financial harm. 

Facts to support my claim : In a letter dated XX/XX/XXXX, XXXX admits they have not completed their investigation. Proving XXXX deliberately furnished inaccurate information in violation on every dispute regulated policy of the FCRA and State of  Michigan laws. ( see attached letter dated XX/XX/XXXX ) this letter is also included in XXXX response to my CFPB case # XXXX ***I am requesting XXXX, XXXX and TransUnion to trigger the EXPEDITED DISPUTE RESOLUTION PROCESS and immediately update the balance of this account back to {$1900.00}. 
With the letter from XXXX admitting the current balance attached and also posted with the CFPB case # XXXX. If this doesnt qualify for an EXPEDITED DISPUTE RESOLUTION, what does? 

Attached : -Unredacted letter from XXXX dated XX/XX/XXXX -Copy of letter from XXXX dated XX/XX/XXXX w/highlights - XX/XX/XXXX Copy of XXXX  report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter - XX/XX/XXXX Copy of XXXX report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter Balance reported {$1700.00} - XX/XX/XXXX Copy of XXXX  report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX XXXX account referenced in letter ; balance reported {$1900.00} - XX/XX/XXXX Copy of XXXX   report for XXXX account XXXX XXXX xxxxxxxxx XXXX XXXX  XXXX account referenced in letter ; Balance reported {$6800.00}

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 04/20/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Despite repeated requests, Bayview Loan Servicing , LLC has failed to correct the monthly payment due amount on my account and continues to erroneously report my account as late to the credit reporting agencies, thereby adversely affecting my credit. In addition, Bayview unilaterally altered the terms of my loan to include an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Medical) with Quality Asset Recovery LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed XXXX alleged accounts with QAR, LLC that were reporting in my XXXX, XXXX & XXXX credit files & reports. QAR was not a creditor of mine nor were they working on behalf of a creditor of mine. 

I disputed with the CRAs directly & with QAR but they are still collecting via my XXXX and XXXX credit file without providing proper docuemtation for the alleged debts. As a matter of fact, they are only making generic claims without producing any evidence for the alleged debts. 

I disputed the alleged debts directly with the CRAs 3 times & with QAR 3 times as well. 

Lastly, they claim that the alleged debts were owed to XXXX. However, XXXX has never sent me a bill for payment regarding any outstanding debt. Just because someone claims I owe a debt to someone does not mean I actually owed the debt. XXXX has never reported any information on me to any CRA and only QAR is making the claims. QAR has never sent me a bill for payment as well. The burden of proof is on the one making the claims. 

It is not upto the consumer to disprove that he does not owe the debt. I am merely disputing the alleged debts and QAR should put up or shut up & get out of my life. To date they have done neither.

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 04/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: - XXXX Obtained XXXX XXXX loan in XXXX for XXXX school in XXXX- Service transferred to Navient in XX/XX/XXXX and defaulted upon receipt- Approximately {$4800.00} has been paid toward this debt- No correspondence received from Navient- I called Navient on 

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ARVEST BANK GROUP, INC. (MD).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: On  XXXX   XXXX ,   XXXX   I was contacted b y Arvest Bank Group that they wanted to request a copy of my credit report for employm ent prior to an interview or employment offer. I informed  XXXX   XXXX  that I was not authorizing this and to remove my resume form the potential contenders for employment.     On  XXXX   XXXX    XXXX   my credit was requested b y Arvest Bank Group  against my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 've been a victim of identity theft in the past. I am still recovering from this and have spent thousands to restore my good credit and my good name. 

Meanwhile, Equifax, a company which has refused to entertain some of my identity theft claims in the past, now, in an egregious act of fiscal irresponsibility, allowed my identity to be stolen AGAIN. 

You ca n't stand against these credit bureaus. They have all the means at their disposal, and they did NOTHING to  safeguard the security of the accounts of millions. Sure. They 're offering a " free '' credit protection as some sort of malarkey recompense, but how reliable is that when it 's being run by the same organization that allowed the private information of millions of customers around the globe to be compromised in the first place? 

And these credit bureaus affect your entire LIFE as an average person. They affect your ability to ever buy a home. They affect your ability to get a loan for your new car or for your education. They can even impact your ability to get a job that pays a decent enough wage to have a debt-free life someday! The fact that they have so much responsibility, and were so careless with it, is an egregious breach of consumer protection justice. 

Equifax needs to hang up its hat, stop messing with the lives of millions of Americans, issue more than a stupid apology and an enrollment in a free " protection ' company run by the same folks who let our identities be stolen in the first place, and stop ruining the lives of millions with their capricious judgments based on nothing but the whims of greedy bankers. They ruin lives for a living, and then they let hackers ruin even more. They need to be out of business. NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Billing disputes

Complaint: In XXXX 2016, my plastic surgeon recommended I get a Capital One credit card to cover my XXXX. The main benefits of the card they recommended were 0 % interest and XXXX due till XXXX 2016. Capital One did not inform us of a minimum payment due till we were XXXX months late with a minimum payment. Once informed in XXXX 2016 that there was an issue we promptly payed the minimum and and penalties. On XXXX XXXX, the full balance was paid off. This error on XXXX XXXX part is affecting my ability to secure a mortgage on my dream home. I respectfully request that Capital One remove this blemish from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A couple of years ago I took out a loan from a company named Cash Central. They ceased communication with me about a year ago but within the last few months XXXX XXXX XXXX has been calling my work number. I can not take personal calls at work and after the second or so call to my work number I called from my cell phone during work hours to tell them. They continue to call my work number, which is a violation of the FDCPA. Today the representative from their company acknowledged that I did tell them to not call me at work but they did it anyway, and he says I wo n't talk to them at the other numbers they have called but they 've never left a message on any other number since I told them not to call me at work. They may be calling my cell phone from spoofed or unavailable numbers but because I get a lot of telemarketing calls unless I know the number or someone leaves a message I do n't pick up. It seems like calling from spoofed or unavailable numbers and not leaving a message is an attempt to skirt debt collection laws. Because this company has violated the FDCPA and admitted to it on their recorded line I want them to close my file and never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Credit card debt) with Law Office of James R. Vaughan, P.C. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The Law Office of James R. Vaughan , P.C . in XXXX, AZ contacted me via mail on XX/XX/XXXX and sent me garnishment letter about the XXXX XXXX credit card account that was opened under my name and social security number and charged off to a third-party collection company. The Law Office of James R. Vaughan , P.C . has garnished my wages since XX/XX/XXXX. The XXXX XXXX account was too old so the identity theft could not be fixed by my lawyer. I would like you to help me fix my identity and prevent identity thief from happening again.

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 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I transferred {$250.00} in 2 {$50.00} transactions and 1 {$250.00} transaction on the XXXX of XXXX. Coinbase stated that the money would be available in my account on the XXXX. It still has not shown up on the XXXX even though the money has already been taken out of my bank account. In addition, customer service no longer responds when I email and their first response was inaccurate and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with CITIBANK, N.A. (NM).
Issue: Unsolicited issuance of credit card

Complaint: In XXXX of this year Costco issued a Citi credit card in my name, as the primary on the account, without my express consent. They claim that they sent a letter indicating that existing Costco credit cards with XXXX XXXX would be switched to the Citi card. I did not receive such a letter. I found out only a few days ago that the Costco XXXX card I had was canceled and a new Costco Citi card issued in its place. At no point did I give authorization for such a change. Was it legal for Costco to issue the Citi card in my name without my express consent?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Credit decision / Underwriting

Complaint: I believe we have reached a mediation settlement with the mortgage company. I am enclosing the documents. I had XXXX a job loss and I am recently employed, my older son and I are making the payments to escrow. I am attaching a document since I could not attach it to the other case. Case number : XXXX. We need the cooperation of the seller and the trust company, Sunwest trust, the bank has agreed to let me and my family assume the loan. We have made the payments and lived and repaired and insured the home. Please refer to the attached document.

Company response to consumer: Closed with explanation