milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I talked to a lady wit h American Express, wanting to cancel my cre dit card because I did not want to pay the annual {$190.00} annual fee. She advised that I cash in my points before I cancelled. I followed her advice. After I received my movie tickets, I cancelled the account. The account is now closed and I ca n't access it because it has been closed. I then receive a statement and a late fee which now amounts to {$220.00}. I called  American express an d asked that the renewal and late fee be removed because I cancelled the account and now I do n't have the account. It has been closed. Both the lady,  XXXX  and her supervisor, a  XXXX   XXXX   XXXX  informed me that no one in the whole  American Express  companies could cancel or refund this fee. I now do not have an account, but I have been charged the   XXXX   renewal fee. Account no. ending in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (OH).
Issue: Fraud or scam

Complaint: I wanted to rent a house for my vacation for new years. The person who put his apartment 's advertisement for rent in XXXX asked me to transfer rental amount by western union. At the beginning I had doubt about it. But I saw that XXXX approved that person ( as it mentioned by government issued photo ID ) and also people left good feedback about that host, i trusted that person by these facts and sent money to him.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I SPOKE WAS XXXX XXXX XXXX SHE CAME INTO THE XXXX DISTRICT OFFICE WHO WISHED TO MAKE A FRAUD REPORT. 

XXXX XXXX RECENTLY OBTAINED HER CREDIT REPORTS AND THERE WAS TWO FRAUDULENT ACCOUNTS OPENED IN HER NAME WITHOUT CONSENT ( XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX ) XXXX ADVISED ME THAT SHE CONTACTED THE CREDIT BUREAUS AND FRAUDULENT CREDITORS NAMED ON HER CREDIT REPORT. 

THE FRAUDULENT COMPANIES ADVISED HER TO GET THIS POLICE REPORT SO THE FRAUD CAN STOP. 
THE CREDIT BUREAUS ADVISED HER TO SEND POLICE REPORT TO THEM ALSO. I ADVISED HER TO PLACE A FRAUD ALERT ON HER PERSONAL INFORMATION JUST TO BE SAFE. 

I PROVIDED XXXX XXXX WITH THE CASE CARD OF THIS REPORT FOR HER RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing this complaint against Equifax for refusing to remove a public record account that does not belong to me on my credit report. I have a written statement from the creditor supporting my claim. Equifax is confusing me with another " XXXX XXXX '' who has a different social security number. 

Dealing with this credit reporting agency has been a nightmare because no investigations have ever been made to prove that this belongs to me. The letter I have from XXXX XXXX XXXX XXXX clearly states that the account belongs to a man called " XXXX XXXX XXXX '' and that is not my name. My name is " XXXX XXXX XXXX. '' I filed a complaint before through this portal only to receive the following response from Equifax : " Equifax has reviewed your complaint and its records regarding your dispute. The Judgement case number ending in XXXX has verified name and address to be correct as reported on the credit file. '' The above response is what I have been receiving for MONTHS and is unacceptable. Why did I have go to these lengths to contact the creditor myself to prove that this is not mine? I want this complaint to be viewable by other consumers on the CFPB so they can see the utter disregard of the law this company employs in its practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data was breached. It has been more than 30 business days since Equifax made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from Equifax. 

I have experienced other mass data breaches, including one via OPM.  Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In the last six months I was looking at cars. I had a used car dealer run my credit 8 times that I did not authorize. After a few months I saw my credit report and was shocked I had so many inquiry 's on my Experian credit report. I did not authorize these inquiry 's. These inquiry 's should be removed from my report. I should not have to wait 2 years for these unauthorized inquiry 's to be removed. These inquiry 's are negatively effecting my ability to use my credit. There should be more control over people who run citizens credit when it is so important. I have been told this happens a lot at car dealerships this is very upsetting.

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 11/28/2016 about Mortgage (Other mortgage) with FRANKLIN FIRST FINANCIAL, LTD (NY).
Issue: Application, originator, mortgage broker

Complaint: Hello i am writing to report Franklin first financial company. This company is unethical, unwilling and unresponsive with the loan process i am currently in. I am dealing with this company over the past six months and still we are unable to close a loan. I understand issues were involved on our part with the contractors initially however after all the paper work was submitted still no response still no answer. So in short this is what my family and i are going through. We are being swindle everyday with unrealistic dates, we appointed one person to handle calls and communication however when he calls his calls are either 1. ignored 2. send to voicemail 3.forward to a number that leads you to a number that does n't work. The mortgage bankers are very incapable in this company. They promised a 48-72 hour document review feedback however i have never received a feedback in this time period. These bankers are very slow they work reactive instead of proactive. The process has being so slow and exhausting that i had to submit documents not once or twice but three times. The major problem i have with these bankers are giving us false hopes, false dates, ignoring consumer telephone calls and other deceptive practices. When the compliance officer reached out to me it was the same thing they blamed us for not submitting documents on time however if they stood to there promise this would n't be a issue. Please help me understand why this company has to used deceptive practice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection account has been placed on my credit report in error. I disputed the results and requested an investigation. The investigation determined the account belonged to me without proof. The reporting Agency is committing fraud as they were aware the account does not belong to me. I never opened the account with the company and they do not have a signed contract with my accompanying information ( signature, date of birth, social security number ). I believe this company is attempting to shake down innocent victims with false and/or already paid accounts.
Additionally, Diversified Consultants, Inc. has made multiple harassing calls to my mobile phone number, at least two calls a day for the past six months, for a debt that does not belong to me. I have explained to them that the debt belongs someone else with the same name and that debt was paid by that individual, but the DEBT DOES NOT BELONG TO ME. I have requested proof of said debt they claim belongs to me and asked that they indicated where my matching social security number, date of birth and signature appear to no avail. When they provided information to the reporting Agency, and later mailed to my home address, they only provided information they knew matched, such as the name and address of the original debtor ( which, matches my contact information ) but did not provide or intentionally omitted the additional information that would clearly indicate the debt did not belong to me. The refused to provide the social security number, date of birth, and or signature of the original debtor. Although clearly aware that the debt did not belong to me, Diversified Consultants, Inc. placed the inaccurate debt collection on my personal credit file with the three leading credit union bureaus ( XXXX, XXXX and XXXX ). XXXX conducted an investigation and concluded that the debt belonged to me based on fraudulent information provided to them. I attempted to contact Diversified Consultants, Inc. and XXXX for a third and fourth time to provide proof that the debt DID NOT belong to me and that the original debt had been paid more than seven months ago to no avail. The inaccurate and wrongfully documented information is still on my credit report as of this request for intervention. It is my belief that Diversified Consultants , Inc. willfully and knowingly reported false information on my credit report when they realized they could no longer collect the ALREADY PAID debt that was paid to another party ( the original creditor ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: Hello Sir, XXXX XXXX XXXX XXXX XXXX has a checking account # XXXX XXXX XXXX at Bank of America ,XXXX XXXX, CA XXXX. 
The fraudulent transaction took place from XXXX XXXX XXXX to XXXX XXXX XXXX and {$28000.00} was withdrawn by XXXX XXXX XXXX electronically thru XXXX XXXX XXXX in XXXX, Maine XXXX. 
A series of unauthorized withdrawals were made in amounts of {$1000.00} to XXXX. I, XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, am a secretary of XXXX XXXX XXXX XXXX XXXX. 

I was suffering from XXXX in XXXX of XXXX and was not able to monitor the monthly statements. 
In XXXX of XXXX we discovered that {$28000.00} was missing. We have written and called Bank of America and XXXX XXXX XXXX several times with no result. We talked to XXXX at XXXX XXXX XXXX at ( XXXX ) XXXX several times in XXXX and XXXX XXXX, but except for XXXX time he will not talk to us anymore. 

The details of XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX is as follow : Social Security # XXXXDriver License : XXXX Maine , date issued : XXXX XXXX expiration date : XXXX/XXXX/XXXXBirthdate : XXXX/XXXX/XXXXMother 's maiden name : XXXXAddress : XXXX XXXX XXXX, XXXX, XXXX XXXXEmail address : XXXXXXXXXXXX # for XXXX XXXX XXXX : XXXX Charitable Organization has been cheated and was scammed. I do n't know if XXXX XXXX has done the same thing to other accounts. Please check if XXXX XXXX XXXX and XXXX XXXX XXXX of Maine have defrauded other bank accounts in this manner. Please help us to recover our money and punish the guilty. Our address and phone number are as follows : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX home ( XXXX ) XXXX cellWe will provide you with any paper we have. 
Thank you. 
Sincerely. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2015 Nation Star and XXXX XXXX Trustee are threatening to sell my homein XXXX XXXX Ca XXXX XXXX bought and owned by me for over 15 years ). 

This is very disturbing since this threat along with Nation Star and their Trustee are NOT following Federal and State Law, The California Home Owner Bill of rights and the settlement that was made by the California Attorney generaland Governor specifically : OFFICIAL NOTICE TO STOP ILLEGAL SALE by the trustee Offices of XXXX XXXX and NationStar1. Nationstar is breaking the law. 
2. Your office is a California Law Office and as such must advise your client and follow the California Laws. 
3. We have requested over 5 times to have a " single point of contact '' this has never happened and is still not happening!!! 
4. As you know under California law : " GUARANTEED SINGLE POINT OF CONTACT '' NATIONSTAR failed to do so. 
5. QWR and alleged Debt Validation : We have requested over 5 times. 
6. NATIONSTAR has failed to provide. 
7. Account Reconcilliation of the alleged debt : We have requested over 5 times. 
8. NATIONSTAR has failed to provide Reconcilliation accounting. 
9. Accounting and Re-instatement figures : we have requested over 5 times. 
10. NATIONSTAR has failed to provide Accounting Re-instatement. 
11. Loan Modification has been submitted as a consideration ( if Nationstar provided ample proof of the alleged loan ) 12. Severe violation of the " DUAL TRACKING '' law. 
13. Defective documentation and defects in alleged loan and alleged foreclosure. 
14. NATIONSTAR has failed to provide all requested items from the foreclosure procedure and guidelines as provided by the California Statutes and law. 
15. NATIONSTAR has failed to comply with the proper notification of at least 30 days " trustee sale '' by not mailing " certified '' nor " registered mail '' nor even " regular mail '' nor with an email nor with the " single point of contact '' as provided by California Law and Protection. 
Due to all of these reasons and more ( as we have other items that have been requested as part of the '' debt validation process '' ), it is hereby Demanded that the illegal " trustee sale '' come to a complete Hault and that at thevery least be placed on an immediate " HOLD '', " POSTPONEMENT '' while a FULL INVESTIGATION takes place. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: Did a order online and NEVER got the order and the amount is still on my credit card a month later

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Based on the new requirements for Public Records I have filed disputes with XXXX, XXXX and Equifax to remove my tax lien based on it lacking a full SS # or D.O.B. I disputed 2 times with XXXX and they just last week removed the lien. With Equifax I disputed for the 2nd time on XXXX XXXX, 2017 with XXXX ID # XXXX. I advised that only some of the information was removed, but the PR still sits on the report. the only details is reference number and $ amount of the lien. No other information. I provide her with the reference number, Book and page and advised that the lien only shows the last 4 digits of the SS # and no D.O.B. I 'm still waiting for resolution. With XXXX, I disputed first on line the week of XXXX XXXX. They came back with complete and verified, remains on report. I called and talked to a CSR named XXXX on XXXX XXXX and he told me it was verified and remains on report. I got a copy of the Lien and called again on XXXX XXXX and disputed with XXXX. She provided me with their fax number, I faxed a copy of the lien together with a very detailed cover letter. Today XXXX I found that again they verified and " updated '' the lien to " paid '' but that it will remain on my report until XXXX. I talked to two different gentleman ( one went by name of XXXX ), he was a supervisor. I explained that under the new National Consumer Settlement and PII enhancements that the lien should have been removed  and even advised that they have a document on their website that has all of the details of the new required information. Still, after verifying that they did in fact receive copy of my lien that they verified the information and it will remain or the only thing he would do is again dispute it. I have a copy of the lien, but I do not have it saved as a document so I can not attach it. Please let me know if there is other information you may need for your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: B of A misleadingly claimed, and used fraudulent software advertised in Court exhibits that were purported to " XXXX '' and " XXXX '' overdraft fees. They settled the lawsuit for XXXX, but continued using the same fraudulent software. 

They also enticed customers with false sense of assurances, cited in XXXX once as saying, by their XXXX, " We are no longer having overdraft fees. " I have been changed overdraft fees of {$10.00} and then {$40.00} for {$1.00}, {$1.00}, {$1.00}, etc., etc, etc. This is clearly an indicator no lawsuit is big enough for them to not write it off as the cost of doing business. They literally make money by extracting funds from people who have no money. And XXXX, in their industry, sum in overdraft fees alone, each year. I wo n't get into how they do it, as it 's complex enough as it is for this box, but, it 's downright fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Dear Sir/Madam This is to file a complaint to Citi with regards to my sign-up bonus for Citi Prestige credit card account. The Prestige card is associated with XXXX TYPs after spending XXXX $ within 3 months. I opened my account on XX/XX/XXXX, and continued to use the card for everything I need to meet the requirement for obtaining the sign-up points. I didnt receive the points as expected after I spent over 8000 $ last month. I contacted and chatted with the Citi staff and was told my Prestige card is not associated with a sign-up bonus program, because I closed one Citi credit card one year ago. This is not the exact truth. 
1 ), I never closed any Citi credit card. One of my Citi Divident card was closed by the Citi Company, not by myself. I even called to check what happened because that Divident Citi card is the longest card I owned since XX/XX/XXXX. I want to keep that credit card for ever! 
2 ), The Citi Prestige card has {$450.00} annual fee, while the Citi Divident card has no annual fee. The provision clearly stated the eligibility for the XXXX point sign-up bonus for the Prestige for not closing Citi Prestige, Citi Premier and Citi Preferred cards in last 24 months. There is no word to mention Citi Divident card. 
3 ), Mostly importantly, my application was approved by phone ( not by online application ). I talked with the staff who handled my application, and was told Im no problem to get the sign-up offer after I spent XXXX $ within three months. 

I trusted Citi company as I have been its customer for over 12 years, but what happened to me seems a " trap ''. I chatted with the Citi representative via phone, and the staff only offered me XXXX points for courtesy ; that is not what I want. Without sign-up bonus program, I mostly wo n't apply for this card associated with XXXX $ annual fee, even I need one due to too much travels these recent years. This is my first time to file the complaint. What I need is a fair treatment. This happened but 1 ) it 's the Citi, not myself, who closed my other account without my permission ; 2 ) wrong or unclear advertisement without showing the type of the card involved ; 3 ) customer confirmation already via phone for the sign-up bonus when applying for the card. As a customer, I feel so wrongly treated, so I filed with an expectation to get more attentions for my case, and I need get back my XXXX sign-up points as advertised, before I will keep stay with the Citi in future. 

With best regards ~ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief