milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: MY NAME WAS USED FOR OTHER PERSON

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: American Express suddenly canceled my credit card. I was a member since XXXX. I had XXXX membership rewards points at the time they canceled my card. I tried to dispute the cancellation but got nowhere. 
Now I am trying to get my XXXX points I legally earned while using their card. I have not been given any reason for the cancellation or for them not giving me my membership rewards points. 
This is unfair and I want to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX. They sold the account some XXXX times over and was paid through my taxes. Each time they update it per your law that states Federal Law FCRA 623 ( a ) ( 5 ) cb ( iii ) Pursuant to CA law they are going beyond the statue of limitations as well ( full disclosure act XXXX ( 3 yr statue of limitation. This is year 7 It is listed as XXXX XXXX sold to Midland Funding another new date of XXXX was taken off on XXXX and then finally sold a XXXX time to XXXX and started a new date of XXXX. They have yet sold it again to a company out in XXXX, CA All of this is illegal and they are not following federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have been a cardholder with American Express since XXXX. On XX/XX/XXXX, I received a {$200.00} statement credit with a description of " XXXX XXXX XXXX XXXX '', see attached document. On XX/XX/XXXX, five weeks later, I received an email from American Express stating that " they have credited my account more than they should have ... '', see attached document. 

I called American Express customer service and ultimately spoke to XXXX ( ID # XXXX ) regarding this issue. She explained to me that this credit was given in error and that there were many cardholders who received a credit in error. She offered no further explanation nor did she feel it was the responsibility of American Express to provide further justification. 

If AMEX had made an error to only discover it five weeks later, as a valued customer they should NOT have penalized me for their error. What this company is essentially doing is penalizing their cardholders for their mistake. I have as well as many others I 'm sure have already appropriated funds received from this credit, so in essence, I am being penalized for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing the loan or lease

Complaint: Got a loan at XXXX. Signed up for intellipayment to take payments out every 2 weeks. The loan was with TD bank. XXXX sends them payment every 2 weeks with automatic deduction. Since the day we got the jeep every 2 weeks payments were taken. XXXX sent XXXX payment later than TD banks payment date. XXXX only sends payments on Fridays and this was not the correct day. TD bank should be aware of this since the are signed up to participate in the program. TD bank has called, and sent letters and are harassing me every day about late payment threatening to ruin my credit. We signed up for auto deductions so we do not have to deal with this. I can prove every payment has been taken from our bank account and TD bank refuses to acknowledge this. I am tired of calling dealer, TD bank and XXXX and they all blame each other. At this point if TD does not fix this error, I am going to get a new loan, and not use them or XXXX again. We have had another vehicle on the same program for over 3 years before trading in without any problems and also a truck with no issues. TD bank refuses to fix this error and I need help. They are trying to get another payment which we do not owe and say every payment is late when it is not. I have the payment schedule from XXXX and also can show every 2 weeks payments were taken out. I will never use TD bank again and at this point if they ruin my credit- I will be suing them. I XXXX XXXX took out the loan for my granddaughter XXXX XXXX and the payments come out of her bank account. She is on the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Incorrect information on your report

Complaint: On XXXX/XXXX/XXXX, my mortgage was transferred from XXXX XXXX to Nationstar/Mr. Cooper mortgage. I had made my XXXX payment to XXXX prior to the transfer, but somehow, initially the advice of my XXXX payment was not communicated. I worked with Mr Cooper and they eventually did find the payment after I forwarded them proof. They assured me that there would be no negative impact to my credit as the error was not my fault and it was also during the RESPA period. This was a lie. They are reporting me with a 30 day mortgage late for a payment that was made to the previous services PRIOR TO the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: Re : Equifax security breach : 1. Called the Equifax call center @ XXXX to place a freeze on my account but was instead directed to ftc.gov/XXXX which did not help me, as it only provides information on steps to take such as calling each credit reporting agency to place a freeze. 

2. Then tried to place the freeze online at https : //www.freeze.equifax.com/XXXX, but was unable to complete due to site not working. 

3. Also, signed up for XXXX XXXX XXXX through Equifax at XXXX and was supposed to receive a validation email, but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am turning to your company for help because I have done everything I feel I possibly can in reference to an account from XXXX XXXX that continuously reports on my credit file. I have disputed with the bureaus directly and also requested information from Midland. The account number listed on that item is XXXX and I have asked for validation on several occasions and they only send me a form letter indicating that the account is showing in dispute. I have attached a copy of the correspondences they have sent numinous times and nothing more. I want to see the pay history it may be past the statue of limitations, the amount is n't familiar and none of this makes sense. Please if you could help me I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company Asset Acceptance is taking money and threatening me after the statute of limitations has been reached. My account closed with XXXX closed in 2008. These people are still taking money today with no amount ever going to a principal balance. I have paid them over XXXX They have been adding interest to the credit card amount they say I still owe, while taking my money and keeping it in a separate account. When asked to stop or reduce payments, they threaten me by saying I will owe the balance on the original debt. They have been collecting money over the statute of limitations for XXXX years. I would like to know the rights I have for the money I have paid over the past XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (IN).
Issue: Problems when you are unable to pay

Complaint: PLEASE SEE CASE NUMBER XXXX THIS IS AN ADDITION TO CASE NUMBER XXXX. On XXXX XXXX I was telephoned by whom i have knowledge to belive is chase bank ( telephone # XXXX ) at XXXX, XXXX, and XXXX. -see attached screenshots- All the calls were rejected on my behalf. Phone calls at this hour are absolutely unacceptable and a new EXTREME in repulsive business practices. Again please see case number XXXX for original complaint, this is an addition.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX we did a refinance loan on our home with Freedom Mtg during the process we received a refund check from them on our Escrow Acct on XXXX/XXXX/XXXX in the amount of {$810.00}. Then on XXXX/XXXX/XXXX we received another refund check for escrow for the same amount. Then on XXXX/XXXX/XXXX Freedom Mtg, put a " REFER TO MAKER '' on the first check dated XXXX/XXXX/XXXX which in turned cause me NSFees with my XXXX XXXX XXXX account. Then on XXXX/XXXX/XXXX I went and spoke to the local manager at XXXX and they called Freedom Mtg and spoke to XXXX and said that I needed to request refund back from them. 
Long story store and many voice memo 's later out of {$450.00} they sent me a check in the amount of {$220.00} on XXXX XXXX, XXXX almost 4 1/2 months later. 
I want the balance of what is owed to me plus pain and suffering from being told one thing after another. 
This is also caused us problems with the new mtg company XXXX XXXX because of not getting this handled in a timely manner and as caused our current loan to fall behind. 
All of this 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 explanation
Consumer complaint received 09-01-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (FL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I closed my checking and savings account with Citibank in XX/XX/XXXX. Ever since XX/XX/XXXX I 've received a daily alert to my email : XXXXXXXXXXXX regarding my balance. This has been going on for many months. I called Citibank a few days ago to inquire on why I 'm getting bank alerts for accounts which were closed in XX/XX/XXXX. The representative had no answer. I asked her to please ensure my accounts are closed and to please discontinue the email alerts. She told me she could n't discontinue the alerts on the checking and savings accounts because I have a credit card account that gets alerts ( it made absolutely no sense ). I was placed on hold for a long period of time and call was disconnected. I was so irritated by the handling of the call I did n't call back. I waited about a week to see if the alerts would stop and they did n't. Given the situation with XXXX XXXX recently falsely opening accounts to meet sales quotas ... I 've become worried that my accounts were reopened or never closed. I do n't see why the representative could n't assist me other than my accounts are open and she did n't want to tell me that.

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 03/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent a letter to Experian requesting a proper investigation regarding the public records on my credit report as I know that the XXXX public records should not have been placed on my credit report. I went to my local county clerk office to see if they could resolve the issue but they stated to me that they do not speak, email or fax to the credit bureaus and that I would have to take it up with them to resolve the issue on my report. So sent my dispute and both judgments came back verified yet per my attorney who explained to me that under the FCRA which is a federal law that the credit bureaus have to conduct a reasonable investigation and make sure that the items on my credit report are accurate and verifiable. I know the XXXX judgement are not accurate and simply should not be there and how can they verify them with the county clerk or recorder when they do n't communicate in any manner to each other. This is a broken system and I need those XXXX judgments removed off my credit report as they are preventing me from obtaining future credit. I am a single working mother with XXXX children and I can not afford to to have these inaccurate public records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2015 about Credit card () with DISCOVER BANK (OR).
Issue: Customer service / Customer relations

Complaint: I had asked Discover on three times to close account as allowed in our agreement but they failed to do so until the third time adding fees and interest in excessive of what should have been owed of they honored my account to close account one first attempt as is allowed by agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Payday loan) with Premier Recovery Group (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: i received a voicemail stating i needed to call Premier Recovery Group concerning a complaint regarding my social security number and if they did n't hear back from me, they were going to contact my employer.when i returned the call to XXXX a young man named XXXX answered He gave me information concerning a debt without verifying who i was other than asking my name. He stated that i needed to take care of this debt before they began legal proceeding against me. when i asked him to send me a verification of debt letter, he began calling me a liar and a thief then proceeded to hang up on me.

Company response to consumer: Closed
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been disputing unauthorize inquiries and credit errors on my credit report for over three years and XXXX, XXXX and Equifax has n't deleted negatives from my credit file. Credit reporting agencies have not supply evidence of my handwritten signatures with me applying for credit with lenders or credit companies. Some creditors companies will sign consumers name just to protect themselves from any Federal lawsuits. This is the list of unauthorize hard inquiries on my credit report that is damaging my credit scores with XXXX, Equifax and XXXX. According to XXXX XXXX monitoring credit and scores my XXXX credit scores is at XXXX, Equifax XXXX, and in my free membership with XXXX monitoring credit score is at a very damaging score at XXXX. Credit reporting agencies are very aware that I am a US Military Veteran and I am XXXX XXXX XXXX XXXX. Under my XXXX XXXX Act under the Department of Justice and Federal and State Consumers Laws I am been Discriminated and Retaliated because my National Origin as a XXXX XXXX and Military Veteran status. Here is the twenty five or more Unauthorize inquiries list on my credit reports that 's damaging my credit and scores .A Bankrutcy Chapter XXXX was filed on XXXX XXXX and XXXX , Texas Federal Judge Discharged on XXXX XXXX and as I view my credit report XXXX, XXXX and Equifax was not deleting collections and negatives wording statements on my credit files. Unauthorize Hard Inquiries list of twenty five or more are as follow that is displaying on my credit reports.. 1.XXXX XXXX .Inquiry date XX/XX/XXXX Misc.Reporting Agencies 2.XXXX.XX/XX/XXXX.Misc.Reporting Agencies 3.XXXX XXXX XXXX XXXX .XX/XX/XXXX 4.XXXX XXXX XXXX.XX/XX/XXXX 5.XXXX XXXX .XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX.XX/XX/XXXX 8.XXXX XXXX XXXX .XX/XX/XXXX 9.XXXX XXXX XXXX XXXX .XX/XX/XXXX 10.XXXX .XX/XX/XXXX 11.XXXX  Pre.owned Auto.XX/XX/XXXX 12.XXXX XXXX XXXX.XX/XX/XXXX 13.XXXX XXXX.Personal loan.XX/XX/XXXX 14.XXXX. XX/XX/XXXX 15.XXXX XXXX.XX/XX/XXXX 16.XXXX .XX/XX/XXXX 17.XXXX XXXX XXXX.XX/XX/XXXX 18.XXXX XXXX.XX/XX/XXXX 19.XXXX.XX/XX/XXXX 20.XXXX XXXX.XX/XX/XXXX 21.XXXX  XXXX XXXX.XX/XX/XXXX 22.XXXX XXXX XXXX.XX/XX/XXXX 23.XXXX XXXX.XX/XX/XXXX24.XXXX XXXX.XX/XX/XXXX 25.XXXX XXXX.Utilities & Fuel.XX/XX/XXXX This list of creditors should supply Federal Government on my file complaints with my hand written signatures

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (PA).
Issue: Taking out the loan or lease

Complaint: My issue is with my current finance company Exeter Finance. I purchased a vehicle XX/XX/2015 from XXXX which was to be financed by Exeter finance company. I returned the vehicle the same day because I was having issue before I could get it home and I got another car financed through Exeter. XXXX sent the funds for the first car back to Exeter via ACH as they should XXXX/XXXX/XXXX, however I did not know until recently that Exeter Finance put the original loan for XXXX on my credit report ( which is incorrect ) along with the current loan that I have. I am having issues with the car that I kept a XXXX Chevy Equinox and went back to XXXX XX/XX/2015 and purchased another vehicle that I returned the next day. XXXX sent those funds to Exeter Finance on XXXX/XXXX/XXXX as required under the return agreement. Exeter Finance also has that loan for XXXX on my credit report ( which is incorrect also ) as well even though they received the funds via ACH from XXXX. Neither of those accounts, XXXX and XXXX, should be on my credit report and they are not removing them. I have called numerous times to no avail. They are not taking this issue seriously and they do not care that they are destroying my credit score and it appears that I have XXXX loans with them totaling over XXXX when I do n't. I have XXXX loan with them for about XXXX. I spoke with Transunion and was told I should not have to dispute these that Exeter can remove these mistakes ( THEIR MISTAKES ) the same way they put them on there. I am exhausted trying to get someone else 's mistake removed. My current car financed through Exeter is shutting off while I am driving which XXXX extremely dangerous and scares me as I have XXXX children. I have gone through the expense of renting vehicles to have something safe to drive as I have physical limitations and I need a reliable car. I can not purchase another car until Exeter removes the FALSE loans from my credit report. Can you PLEASE help me get a resolution to this issue? I have called the corporate office only to be sent to a voice mail. I am not understanding why that would be the case during business hours and that is not the first time I called. Again can you please help me resolve this issue? Thank you in advance for any help you can offer me in this situation as it seems Exeter has no intention on resolving this issue and rectifying THEIR mistake. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (VA mortgage) with Stearns Ventures, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/2016 I was granted a XXXX Veteran Property Tax Exemption by the State of Texas, that was backdated to take effect XX/XX/2016. At that point, every month, my property taxes were being drafted with my mortgage & insurance. As soon as the XXXX exemption was approved I started going through the process of refunding all property taxes that had been paid for the year XX/XX/2016 and to have them stop escrow payments going forward for future property taxes, as I am exempt. At some point in XX/XX/XXXX, I was told I would need to call back in XX/XX/XXXX to check on the status. In XX/XX/XXXX I was told they had no information and I would need to re submit all the documentation again an start over. I have been calling them every other week to check on the status of my refund and cancellation of further tax escrow. They have told me I need to call because they are unable and not allowed to contact me, unless I owe them money. Today, the again acknowledged that I do not have to pay property taxes, and that they owe me a nearly {$8000.00} refund. But they have no answers for me on when and how that will happen. They again tell me that they will stop the monthly draft for tax escrow payments, but this has been ongoing for 6 months now, and they are still taking money for property taxes that I do not have to pay. I am told every time I call that they are going to notate the information, pass it up the chain, and make sure it is taken are of. Every time I call they say the same thing. I ask them to call me to keep me updated and they tell me they do not contact customers. Then, like clockwork, I receive my monthly mortgage statement that includes a property tax escrow payment.

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 12/19/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Managing the loan or lease

Complaint: I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureau and is negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint: I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XX/XX/XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.

Company response to consumer: Closed with explanation