milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I received a new American Express card. I needed to contact customer service. The customer service phone number is printed in 2.22pt. type. I measured it. Additionally, the first 3 digits are obscured by elements of graphic design. Also, the contrast is very low. I had to dial the number by trial and error. When I explained to the representative I could not read the phone number because of these conditions she suggested I get someone to help me. This would place me in a dependent position, creating a XXXX where there is none. My vision is within normal limits. 
I asked to speak with a supervisor. I asked what accomodations they have in place for people who could not read the number. She said there are none. 

I believe this places American Express out of compliance with the ADA. In addition, the consumer is placed in a position of vulnerability financially by requiring the assistance of a helper with financial management where no bonafide need exists for such help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX I notified Early Warning they have incorrect information regarding myself w XXXX XXXX -- - Matter was adjudicated with XXXX back in XXXX -- - It is now XXXX. And they report incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Sent my payments back and said could n't locate account. Its the same account I 've always used. Charged me late fee and ruined my credit report so I can ' refinance. They said they would remove late fee but ca n't fix my credit raiting.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been a victim of Identity theft as a result several accounts were opened in my name .  I have sent a letter to the collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and claim I did not provide sufficient information to investigate.  I do not understand this I have sent them a letter letting them know I am unaware and have no knowledge of this account and it is fraud, in addition I sent the account information that is reporting on my credit report from MCM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is reporting XXXX late payments from 2013 between XXXX credit cards and have been unable or unwilling to provide the proof I was late. I am applying for a mortgage and these XXXX late payments which are unsubstantiated are damaging to my financing.

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 06/20/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Credit decision / Underwriting

Complaint: All I am trying to do is get the completed modification paperwork that I requested over 3 weeks ago. I am trying to do a refinance and the underwriter is asking for the completed documentation of the modification we had 4 years ago. I have called and emailed them repeatedly and every time they tell me they will mail it to me or email the document to me and I still have n't received the paperwork. I am going to have to pay for an extension on my locked rate because this is all we are waiting for!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Credit card () with Continental Finance Company, LLC (MA).
Issue: Other fee

Complaint: I have a credit card with XXXX ( Continental Finance ). The credit limit is {$500.00}. It was renewed automatically in 2016. I never used it in 2016 but to date I have been billed {$240.00} in fees. I paid {$170.00} in fees just to protect my credit and I cancelled my card but the bills keep coming. My credit rating is damaged and I am still getting bills, the latest is for {$160.00}.

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 04/13/2015 about Credit card () with BANK OF THE WEST (NV).
Issue: Other

Complaint: There a XXXX fraudulent credit cards that were opened and used without my knowledge over the past few years. I 've filed this report with you people numerous times and you have done nothing. This case is being investigated by the FBI, letter attached. 
I have written numerous letters, made numerous calls, the Private Investigator assigned to not only mine but others in this matter have also exhausted their effortsI keep receiving letters from Bank of The West that they have turned the account to charge off. This is not my debt and they have not once called the FBI to confirmed as other creditors have that have released the debt. 
I have been harassed by a man at Bank of The west by the name of XXXX ( XXXX ) XXXX and he flat out told me I was a thief and this was my debt. 
Bank of the West has been very rude and called me a thief even. How does a consumer that has been issued an FBI 's victims number and pin, l having to register on the FBI 's Victims sight get treated this way????? I want you XXXX the CFPB do FINALLY DO SOMETHINE ABOUT THIS HARRASSMENT. FBI VICTIMS LETTER ATTACHED ALL THREE SHOWING THE CASE IS STILL UNDERACTIVE INVESTIGATION AS THEY HAVE PINPOINTED AT LEAST XXXX VICTIMS. 
THE PROBLEM IS YOU THE CFPB HAVE TAKEN THEIR SIDE AS WELL AND NOT FORCED THEM TO CALL THE FBI TO VERIFY THIS CRIME. THE CARD COMPANIES THAT HAVE RELEASED ME FROM THE DEBT DUE TO FRAUD CALLED THE FBI AN VERIFIED. BANK OF THE WEST SAYS THEY DO NOT HAVE TO. I AM VERY DISSAPPOINTED IN THE CFPB AT THIS TIME AS WELL AS YOU ARE NOT PROTECTING INNOCENT VICTIMS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with Legal Recovery Law Offices, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Regarding practices of Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX collected numerous debts on behalf of XXXX XXXX credit card against XXXX XXXX XXXX. XXXX XXXX is on social security and had only the social security payments as assets in her account. He garnished ( against government rulings ) her account in excess of {$3000.00} leaving her destitute, and at the same time put a hold on her safety deposit box. Upon being contacted by the FTC, the bank quickly reimbursed her the funds, but this was wall after she had to borrow money to make up her monthly stipend. Attorney XXXX stated in his answer to FTC that he would remove the hold on the safety deposit box. This has not been done to date and he is holding not only her belongings, but those of her daughter and grandson. He needs to follow up on his word and take the hold off of the safety deposit box immediately. He is an unethical attorney who preys on the most vulnerable and he should be sanctioned for his tactics. His company is called Legal Recovery XXXX and is located in XXXX XXXX. After a year has passed with nothing done to release the safety deposit box, I am refiling this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. In 2010, my husband and I were hit by a drunk driver. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws. 

They have never contacted me prior to submitting this false information to XXXX and have been unable to produce any evidence as to the validity of these multiple charges. 

In 2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Our representing attorney was XXXX XXXX. 

These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX XXXX XXXX I requested a balance transfer of {$14000.00} out one of my account to be transferred to a personal checking account with XXXX XXXX XXXX, after repeated calls to follow up on the status without any answers, I was informed today that the check was returned to Capital One and will take up to 2 billing cycles to be credited into my credit card account. XXXX XXXX informed me that it is very common for Capital One checks to be returned when transferring to a checking account, but can not explain why they must hold my money for up to more than 60 days before I can access it again. In the mean time, my credit score is taking a dent on the extra credit utilization and I 'll need to draw on my savings to make sure all expenditures and credit accounts are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I received my credit report on XXXX/XXXX/2017. Equifax eliminated accounts. Subsequently the report contained XXXX positive accounts and XXXX negative. According to information Equifax shared with XXXX XXXX, not only was XXXX XXXX reinstated but my score went down XXXX points! Screenshots attached. 

Account quantity is not a major score factor according to XXXX XXXX, yet it went down XXXX points, despite my credit increase by XXXX XXXX ( a satisfactory account that I 've had for a year ) and a decrease in in my credit utilization of the same account. 

So where is the science in the Advantage algorithm? It 's fallacious.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My home went into foreclosure in XXXX of 2009 and both the mortgage holder and the XXXX ( XXXX ) signed off on the agreement. XXXX used XXXX XXXX XXXX as their servicing agent. A copy of the agreement is attached. I have made many attempts, but Equifax refuses to remove the XXXX debt listing from my credit report, thereby preventing me from obtaining a favorable interest rate on a home loan I am trying to obtain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAVALRY INVESTMENTS, LLC (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filled for bankruptcy chapter XXXX case number XXXX back in XXXX of XXXX and the bankruptcy was XXXX in XXXX. I included all of my debts which included a XXXX credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was XXXX and the debt was included in the list of creditors and was added. While I still in the active bankruptcy Calvary portfolio service called to collect on the debt in XXXX XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XXXX, I was reviewing my credit report and Calvary portfolio service is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor XXXX, the report shows that they will keep it on record until XXXX. Account number Calvary has is XXXX, date opened with Calvary XXXX. My phone is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Mailed TransUnion written letter on XXXX, and advised TransUnion that I am a victim of their inquiry glitch. Moroever, requested the inquiries to be deleted off my credit report. have not received any correspondence from TransUnion, The follwing inquiries are part of TranUnion inquiry glitch which were requested to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX 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 01-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Midland offered to delete my negative credit report in exchange of deleting my negative report. They abused me since I am a minority and my XXXX is not the best. I paid {$1200.00} on XXXX/XXXX/15 and they still trying to collect the account and still reported as I owe the money.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is reporting a late payment on m y credit report, that it is inaccurate and i was never late, please help me to remove this inaccuracy from my credit report i have uploaded the XXXX XXXX letter for which they have approved to remove this delinquency, but XXXX is not removing and does not cooperate, the other two bureaus have already removed except XXXX. 
thank you for your understanding

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CACH LLC is still reporting negativity on my credit reports. I 've disputed it with all bureaus but the bureaus verified it as a valid account. The account was paid as a paid for delete ... the company agreed to remove the account from my file when we paid it ... I need them to adhere to the agreement as it is damaging my credit. Plus insurance was supposed to pay for the claim so I 'm being dinged multiple times ... please remove it from my file ...

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 07/16/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXXXXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX unauthorized hard Credit inquiries removed as erroneous on XX/XX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XX/XX/XXXX.it is now XX/XX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in XXXX days time period .all letters attached. please remove following inquiresCreditor Inquires DatesCAPITAL XXXX, XXXX XXXX/XXXX/2015, XXXX/XXXX/2014, XXXX/XXXX/2014, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires DateXXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Rewards

Complaint: Capital One marketed to me, presumably based on my credit score and spending history, a bonus scheme of {$100.00} if i spent {$500.00} in XXXX months. I have spent upwards of {$800.00} within this time frame and now the company tells me that they have no bonus activated on my account. 
How can their systems not be linked to verify their direct mail campaign against my account

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Credit card () with DISCOVER BANK (NJ).
Issue: Billing statement

Complaint: I made a large purchase using Discover Financial. I used discover because of the Discover rewards. During this purchase I was offered 10 % cashback plus 5 % cashback for using the discover card while making the purchase through a department store. I received the 5 % rewards. I also received an email at the beginning of XXXX stating I was going to receive the 10 % rewards on my next statement, beginning of XXXX. I did not receive the rewards and when I asked Discover financial I was told then a month later that I was n't going to receive the rewards. I then followed up later in the month and was told it will take 4-6 weeks more to investigate. I was originally told I would have to wait 10 weeks before I was allowed to have anyone look into the issue. I should not have to wait 16 weeks for these rewards to be credited to my account. I would never have used a discover credit card if it was not for this benefit. This is consumer fraud from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a short sale back in 2009 which was negotiated not to be reported negative. In fact the agreement was that the accounts be unrated or deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AZ).
Issue: Credit decision / Underwriting

Complaint: I had a home mortgage loan thru Carrington Mortgage Services and this was the worst mortgage company I have ever dealt with. So I decide to get a loan from a different lender in  XXXX   of 2016. Th e loan thru Carrington Mortgage Services has been paid off but still showing up on my credit report. I have called them and sent letter and emails to Custo mer Relations  for Carrington to remove this from my credit report. I can not get no one to do this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is listed on my credit report. My loans have been consolidated with XXXX XXXX since XX/XX/2014.

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