milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Applied and approved for AAdvantage card from Citi in XX/XX/XXXX. We can see all of our miles on our statement as we earn them. However, when we logged in to use them in XX/XX/XXXX, our miles reflected XXXX. We contacted XXXX XXXX XXXX XXXX, who informed us the miles were posted to the incorrect account, and used. Only approx XXXX miles of the 45+k miles were unused ( which were transferred to our account in about a week ). The remaining miles we were informed that once they are used, even if we did not authorize them to be used by someone else, that we could NOT have them back. There were XXXX miles used on a booked, yet untraveled flight, which XXXX informed us they could give back to us if the flight was canceled and penalty fee paid. We were able to find out who used the miles. They did cancel the flight mid XX/XX/XXXX, and paid the penalty fee. The miles still have not been put in our account, and the other approx XXXX miles they say they can NOT give us. We contacted Citi bank, whom states they can not give them to us, as it is American whom issues the rewards. XXXX has given us XXXX as a courtesy, but we are still out several thousand miles, equating to several hundred dollars in flights. We also asked Citi if they would be willing to waive the annual fee due to the mistake, they refused. We have been working with both Citi and AA over multiple phone calls and complaints over about 2 months with no resolution in sight. It is not our fault that the miles were awarded to the incorrect account.

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 11/30/2017 about Checking or savings account (Checking account) with M&T BANK CORPORATION (MD).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XX/XX/XXXX, the bank was instructed not to honor any ACH debits from XXXX XXXX. There were some issues that were eventually resolved after a complaint was filed. 
However, the problem has happened again. 
On XX/XX/XXXX the bank honored 2 ACH debits from XXXX XXXX. I called numerous times with no results : XX/XX/XXXX - Was told the would be credited within 48 hours. They were not. 
XXXX/XXXX/XXXX - XXXX stated she would research it and call me back. She did not call back. 
XX/XX/XXXX - Spoke to XXXX. She told me the ACH instructions had expired, and I would have to fill out new forms, which would be sent to me within 10 days. Once I returned the signed forms, the bank would respond within 45 days. 
The ACH did not expire, as there was subsequent ACH charges that were allowed and then credited back to my account. 
I believe i was lied to and decided to reopen the complaint.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XX/XX/XXXX. I have been making payments on time since XXXX. I contacted XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Credit card) with Oxford Law, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Original debt from 2007 has since been disputed multiple times and sold many times. Current debt collector Oxford Law has been told the debt is disputed, it is past statute of limitations and asked to not contact me anymore. They have repedadtly called my family and work phone. They refuse to stop contacting me. I have blocked several phone numbers and they now use 3rd party services so call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Credit card protection / Debt protection

Complaint: I received a voicemail informing me that my XXXX 's MasterCard was flagged for fraud, and that there may be a hold on my account. I was instructed to call XXXX XXXX XXXX, the same number that left the voicemail. Upon calling, an automated message prompted me to enter my credit card number. I was immediately suspicious, as I do not hand over personal information to a phone number that I did not obtain through a legitimate website and/or company. Instead of entering my credit card number, I repeatedly pressed XXXX and *, as most automated messages will direct you to a human representative when this occurs. The automated message responded that my card number was not valid, and to try again. This process repeated XXXX times until the automated message informed me to call back with my credit card details readily available and I was disconnected. At this point, I contacted Barclay cardmember services using the telephone number provided on the back of my credit card. Upon reaching a representative, I was informed that no fraud had been associated with my account and there were no holds. I was also told that they have been receiving calls from members and nonmembers regarding similar situations. Clearly, the original message I received originated from a phishing attempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experian is reporting erroneous information on my credit report. The collect account is from XXXX XXXX. The credit report is saying that the account opened on XX/XX/2015. The original debt is from XXXX University. I have the collection letter from XXXX University and the account did not go into collections on the date that XXXX XXXX is reporting. The amount of the debt is not the same as XXXX XXXX is reporting. I have had this account removed from the other two credit bureaus but experian is refusing to remove this erroneous 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 09/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We have tried to do a loan modification XXXX, dealing with its subsidiary Select Portfolio Servicing ( SPS ) and have been unable to get a clear answer to move forward. The communication with them is very difficult and always change the person in charge of the case, which cause delays on the process. Their initial approach is always harsh and negative, done by a call center that usually do not have information about the loan modification process. We sent all the required documentation and, after months of negotiation, they denied the loan modification and did not want to evaluate all the facts on the case to get a positive result. We feel the company SPS did not do everything on their hands to help us, having all the necessary documents showing that the proposed monthly payment could be paid by us. They based their decision in figures that are above market value and did not provide a concrete answer for the modification denial. We are sending a new loan modification package with extra documentation to see if they can do their job and approve the loan modification. 
We appreciate all the help you can provide on this matter as this is our primary home and we are desperate to save it. 
Best regards, XXXX XXXX & XXXX XXXX

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 Debt collection (Medical) with Armada Corp. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I pulled my credit report to find I had XXXX accounts reported from armada who collects for the XXXX clinic. These are doctor bills I did n't know I has so I called the company to try and clear these up with payments. XXXX was for {$76.00} and another was for {$87.00} they then informed me that they had several little bills in their office that added up to another {$200.00} that they wanted paid. The lady told me that if they are not {$50.00} or more they can not be reported to my credit but rather then owing them {$160.00} they now claim I owe them {$360.00}. I made a call to XXXX XXXX who said I need to write XXXX checks XXXX for each amount and submit a letter stating what I am paying and that they are to cash the checks and mark my account paid. I sent checks and letter XXXX/XXXX/15 and received them back in the mail on XXXX/XXXX/15 with a letter stating I need to call their office they are rufusing to take my payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Since XX/XX/XXXX to present I have received multiple phone calls from Capital One. They call everyday and leave a generic voicemail. I havent had a capital One card since XX/XX/XXXX which I thought was settled and removed from my report. I have already explained this when I received a letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ACS/XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Ive been working with a company called AES to help with my student loan paymebts to keep them current. I understand that my {$85.00} a month isnt going to make a dent in my XXXX student losn debt but i just found out that money hasnt even been applied to the loan then they offered me a student debt forgiveness program {$40.00} a month instead of {$85.00} and after 20 years of these payments the remainder of my debt will be forgiven?? Why cant i pay {$85.00} and make it 10 years or {$160.00} and make it 5 years why do i need that debt hanging over my head for 20 years when i couldnt even get a job paying XXXX a year???

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian has yet to send a hard copy of my credit report to my current address.

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 10-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo are guilty of a BAIT & SWITCH program, causing my family substantial stress and harm. 
Wells Fargo promised to cancel our unfair and wrongful late charges of {$5000.00} if we paid our two months past due amount. During this process this Bank encouraged us to sell our home to become current. At no time did Wells Fargo put a date certain on when to complete this by, nor give us any notice or warning about such a. 
Consequently we began the project of catching up and selling our home, by working hard to make it saleable. It takes a while to do this work and get a house sold. 
We have now sold the home, will pay the past due amounts, BUT NOW WELLS FARGO ARE REFUSING TO REMOVE THE LATE CHARGES AS THEY PROMISED..During the process Wells Fargo took almost ten to twelve weeks to answer each separate enquiry we made about the ongoing process, at least three times. They were close to impossible to reach the person even they advise to call. Once in 9 months did l manage to speak to the person noted by the Bank to telephone. Wells Fargo delays amounted to bout four months in the last nine months. 
Now we have SOLD OUR HOME based on their promise to remove the unfair late charges, BUT NOW WE GET FROM WELLS FARGO THEIR BAIT AND SWITCH TACTIC.

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 02-02-2017 about Consumer Loan (Vehicle loan) with MEI AUTO FINANCE INC (TX).
Issue: Problems when you are unable to pay

Complaint: I received in the mail today a 2016, XXXX from this company. On the XXXX they fraudulently identified this debt on Line XXXX as " XXXX '' when it should have been listed as " XXXX '' for Bankruptcy. This company is very aware of my Chapter XXXX bankruptcy discharged in XXXX 2016. They have received multiple correspondence of this bankruptcy since XXXX 2016. They intent is to deceive the IRS in order to write off this discharged debt that they know is not taxable by federal law. In addition, they have fraudulently notated this debt to the IRS so I can be held liable for this debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months

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 04-06-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Late fee

Complaint: Bank of America improperly processed at least XXXX on-time payments in full. As a result, they charged me nearly {$79.00} in unlawful fees. The evidence overwhelmingly proves that XXXX payments, with correct account numbers, were made before the due date. BoA failed to process them and can not explain why. BoA stills owes me nearly {$79.00}. BoA 's argument is disjointed and contradictory. On one hand they claim they can not locate any checks and on the other they claim the checks contained incorrect account numbers. Which is it? The alleged {$29.00} credit was made and later retracted. Thus no reimbursement occurred. They still owe me approximately {$75.00}.

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 monetary relief
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with ASTA FUNDING INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Palisades Collection is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Payday loan () with Cottonwood Financial Ltd. (TX).
Issue: Payment to acct not credited

Complaint: The Cash Store - Lender is harassing my husband in phone calls. Cloning a phone number from the county attorney. Claims to be a process server from the county and tells my husband he either needs to pay {$5000.00} that day or be sued. Gets very ugly and argumentative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. The information is incorrect for the following account XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

4. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Account Number : Please remove it from my credit report. 

6. The inquiry was not authorized XXXX CARD Account Number : Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX CC Account Number : Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. 
JP Morgan Chase is the sorriest excuse for a mortgage company. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless. 
It would be nice also if CFPB would do something more to help than just request the companies side of the story. I little research by someone that cares would be nice.

Company response to consumer: Closed with explanation