milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2016 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Credit card protection / Debt protection

Complaint: Dear XXXX, My case number is XXXX. 

I am dissatisfied with American Express Response. 

American Express has completely ignored my complaint that I have made a phone call in XXXX 2015 and closed ALL my American Express accounts With XXXX balance ( call was recorded ). 

I explained to the representative on the phone that I am living XXXX now and all my business relationship with the addition person on the card, XXXX XXXX, who lives in California, has ceased. The american express representative assured me on the phone that all the accounts were closed with a balance of XXXX Dollars ( PHONE CALLS WERE RECORDED THROUGH AMERICAN EXPRESS ) American Express took NO steps in regards to my actual complaint. The company did not address my concern at all. Instead they sent me the charges made on the card ( charges I have not made ). They ignored the fact that my accounts were closed by me with zero balance in XXXX 2015. Those charges were made in XXXX 2015, long after I closed all my accounts. 

Please kindly investigate this matter as my phone conversations to close the accounts were recorded by American Express. 

Please involve federal trade commissioner or any entity that can help justice be served and protect consumers from such negligence. 

Thank you and looking forward to hearing from you. 

Kindest regards,

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I requested an income driven repayment plan to help me pay back my student loans since I am currently unemployed. Every time I call no one knows what is going on with my account, my student loans, or my income driven repayment request. I 've been lied to, hung up on, put on hold with nothing but dead air so it sounds like they 've hung up on me for thirty minutes straight at least, I 've been redirected to the make a phone payment area when I 'm just trying to get an income driven repayment plan, and make my payments on time so I do n't default on my loans and ruin my life worse than I apparently did when I took out the loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Mortgage (Conventional fixed mortgage) with WATERMARK CAPITAL, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Looking for refi I responded to ad on XXXX by Watermark XXXX stating " no fees '' with 4 % rate. At initial phone contact, was told there WOULD BE a fee to get 4 % rate but was nominal ( about {$1000.00} ) because " lender '' provided a credit of {$1900.00}. This was on XX/XX/XXXX. Everything they wanted was submitted when requested or within a day or two. On XX/XX/XXXX my loan was " formally approved '' and requesting a few more docs to " comply with underwriting requirements '' ; these docs were sent within 24 hrs or less. On XX/XX/XXXX I got another " congratulations, your loan has been formally approved '' email. All this after I had arranged IRA disbursements, provided bank statements and two years tax returns. 
XX/XX/XXXX email " I should have the clear to close this week '' but now they wanted IRS transcripts which they should have requested much earlier. I have to obtain and provide them. 
XX/XX/XXXX ( approx ) NOW, after two " approvals '', I am told my IRA funds are insufficient and they need more income sourcing ; this was provided. 
XX/XX/XXXX I receive disclosure doc showing lender credit of {$1900.00} has been rescinded and replaced with {$130.00} credit because " rate lock expired ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Bank account or service (Other bank product/service) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Account opening, closing, or management

Complaint: Applied and approved for loan in XX/XX/XXXX at State Employee Credit Union.Order credit report and notice information was not being reported to all credit reporting bureau.I understand that creditor do not have to report to all but if a consumer has positive information that can be reported it should.Not all creditor look at XXXX credit bureau to make offers for credit.The FCRA has a statement in it that information in consumer report should the maximum level of accuracy and if the Credit Union only reports information to XXXX ( XXXX ) bureau than I don '' t have that maximum level of accuracy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried several times to contact Springleaf Financial/OneMain Financial to correct the unpaid status on my credit reports. In both cases the accounts were sold. Springleaf to XXXX XXXX and OneMain to XXXX XXXX Both loans were settled with the debt purchasing companies. Copies of the paid information was sent to all three credit reporting agencies, as well as, the debt sellers. Both debt buyers have confirmed payment and claim to have notified the debt sellers of the paid status. XX/XX/XXXX I called XXXX and was told the account is paid/settled and that I should dispute the account with Springleaf to have the status updated as Paid/Settled to all credit reporting agencies. XX/XX/XXXX I called Springleaf and was told the account was a charge off when sold and even though now that it was paid to the debt buyer, they will not update the credit bureaus as paid/settled. XX/XX/XXXX I called XXXX XXXX and was told they report to OneMain all payments once a month on the XXXX. My account should be updated on all credit bureaus as Paid/Settled upon the next reporting cycle. XX/XX/XXXX I called OneMain and was told when XXXX XXXX reports the payment, the credit bureau will be updated as paid/settled. XX/XX/XXXX I mailed all proof of payment and a dispute letter-request to updated paid status to all credit bureaus to both OneMain and Springleaf Financial. XX/XX/XXXX I received a letter from Springfleaf/OneMain claiming the information reported is correct? They are still reporting the accounts as " Charged Off '' delinquent and unpaid. XX/XX/XXXX I submit the complaint to the CFPB in hopes to obtain a correct paid status on the Springleaf and OneMain trade lines. I do n't understand why even after a debt is sold and paid to the debt buyer, why the debt seller will not update the paid status. That would be the correct status, would n't it?

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (I do not know) with Amsher Collection Services, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: this information XXXX shared illegally without my informed and expressed consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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: My GM credit card showed {$49.00} on XX/XX/XXXX to pay XXXX member ship payment for my husband, he never gave permission to XXXX insurance company to charge his credit card. I gave permission for them to charge my member ship several years ago and my GM card was changed several times. I called GM card credit company which is capital one, they won, t dispute the charge so I went to XXXX insurance co.office in XXXX and told them not to charge to my credit card any more and told them I will pay with my checking account, .they told me that it is already charged so we will take off for automatic charge and the clerk took off automatic charge. The membership due was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Lockhart, Morris & Montgomery Inc. (MS).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX XXXX of Lockhart, Morris, and Montgomery threatened me and said it was a crime. He threatened to go after my grown daughter who does not live with me and is in no way obligated for any of my debts. Before he knew who I was and before he told me who he was and what it was about, he told me all of my personal information. He had my social security number, address, date of birth ... all of my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: Balance transfer

Complaint: Received transfer balance offer from citicard/citi.com/XXXX, to transfer a balance. Prepared to make a payment and was told by their csr that any payment made will go towards the highest interest charge rather than the 0 % balance transfer. This, in my estimation, allows for credit card companies to continue applying payments as they choose (! ) and allows for the application of several months of accumulated interest that serves in the best interest of the credit card company rather than the consumer! This is absurd! I am to accept that a company that makes as much as citi bank can not offer to split payments? I have n't lost any money yet but it is a ridiculous policy that serves only to trap consumers.

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 10/13/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NV).
Issue: Taking out the loan or lease

Complaint: On XXXX XXXX, 2015 evening, I signed a contract for a new car with features misrepresented by the salesperson. The car was returned to the dealer 's possession the next day, within XXXX hours. 
On XXXX XXXX, 2015, I was asked by the floor manager to come on XXXX XXXX, 2015, to get the problem solved when the salesperson will be at work. 
On XXXX XXXX, 2015, when came after XXXX, I was told by the salesperson that the car dealer can not do anything because it was " late, '' and I was asked by the salesperson to come on XXXX XXXX, 2015, specifically before XXXX. 
On XXXX XXXX, 2015, when I came before XXXX as requested, I had to wait for approx. two hours for the salesperson. Finally, three hours after I came, a XXXX contract for another new ( " replacement '' ) car was signed, but BACKDATED by the car dealer to XXXX XXXX, 2015, from to me unknown reasons. The XXXX contract was allegedly cancelled as never happened ( as being told by the car dealer, ) and the down payment paid on the XXXX car was fully transferred to the XXXX car contract. The car dealer did n't provide me with any document/declaration related to the cancellation of the contract for the XXXX car. 
On XXXX XXXX, 2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the finance company congratulating me on the purchase of the XXXX car that was in a car dealer 's possession since XXXX XXXX, 2015. The finance company opened an auto loan account for the XXXX car that I had NO POSSESSION of anymore, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including a car dealer 's commission, on XXXX XXXX, 2015. XX/XX/2015, I received a first monthly statement, generated on XXXX XXXX, 2015, for the first car that was not in my possession since XXXX XXXX, 2015. 
The car dealer allegedly assigned the contract for the XXXX car to the finance company on XXXX XXXX, 2015. XX/XX/2015, I received a " Welcome '' letter, dated XXXX XXXX, 2015, from the same finance company congratulating me on the purchase of the XXXX car. The finance company opened an auto loan account for the XXXX car, and the finance company reported the auto loan for the XXXX car to Credit Bureau Agencies. The finance company approved funding for the XXXX car to the car dealer, including another car dealer 's commission, on XXXX XXXX, 2015. 
When I sent a letter to the finance company requesting information about the dates on which applications for auto loans were approved, the dates on which auto loans were reported as opened and closed to Credit Bureau Agencies, and other questions regarding XXXX car contracts and auto loans, the finance company refused to answer my questions stating that as a creditor they have no obligation to answer my questions.

Company response to consumer: Closed
Consumer complaint received 10/15/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A university I applied to but was not accepted to, still had my information on file. They accidentally uploaded my social to a student who is currently enrolled in that university and her loan appeared on my credit report. I filed a dispute with Equifax and sent in proof and documentation that showed the loan was not mine. The documents included ; my social security card, copy of drivers license, email from financial aid director at the university stating that it is not my loan, and a police report. Equifax still did not remove this from my credit report even with all the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Application, originator, mortgage broker

Complaint: Mortgage loan number XXXX Chase Mortgage originally offered lower rate through HARP in XXXX 2014. Lack of communication resulted in me missing the deadline for submitting insurance documents and I was informed the HARP was no longer available but could reapply for another program. I twice inquired about why I was not notified about the missing document but have only gotten conflicting information. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have student loans with  XXXX  that are showing 90 day past due in  XXXX    XXXX   when the account was in forbearance during that time and the time afterwards. I have filed disputes with the credit agencies several times and have also attempted to dispute the incorrect information directly with  XXXX  and they refused to remove the information. I had them send me the letters showing it was in forbearance as proof and they still refused to remove the inaccuracies. Most recently in  XXXX   XXXX , I again called and asked for it to be removed and they further refused to remove it or dispute it any further.

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 05/20/2015 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (OH).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: Pinnacle Financial Services reported to the credit bureau that they colected a debt of XXXX Dollars for XXXX services. The debt was paid in full to XXXX XXXX. After it was paid Pinnacle reported it as a closed colection. This constituted re-aging of the debt they never had any involvment In collecting thereby severley damaging my credit score with all XXXX bureaus. I never had any correspondence or communication with Pinnacle Debt Services. They have refused to provide me with and valadation of the debt. They are the subject of numerous complaints with the with the XXXX in Minnesota. They are a predatory collection Agency who refuses to follow the FCRA. How can a collection agency report to the credit bureau a debt that i paid to another agency in full. They are engaging in re aging of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit card () with Alliance Data Card Services (IN).
Issue: Billing disputes

Complaint: Got a bill for a credit card I never received. Bill is for 3 years ago that just came in today 's mail.It is from PAYPAL CREDIT,XXXX XXXX XXXX, # XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX. The company never stated before using them on XXXX, that an an account was established with a XXXX digit credit card # and consumer has to pay for the service monthly. I used it a few times 3 years ago and got a bill for it of {$130.00}. THIS IS CORRUPT AND UNFAIR! I WANT THIS REMOVED AND GET XXXX BALANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (TX).
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: Contacted XXXX XXXX XXXX customer service on XX/XX/XXXX via telephone regarding an account that is listed negatively on my credit report. The account is listed as being collected on by Pro-Collect FOR XXXX XXXX XXXX. Being that I have NO contract with ProCollect, I contacted XXXX to see what my options were to resolve this. I spoke with XXXX in customer service at XXXX XXXX XXXX. I was told by XXXX that she thinks the account is in collections with ProCollect and she is not sure how I would pay. XXXX went on further to say ProCollect does not collect for them anymore AND no one does at this time.

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 06-11-2015 about Student loan (Non-federal student loan) with MOHELA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I took out a student loan for my son, XXXX XXXX, back in 2003 for his college education. Since then, we have done our best to keep up with the payments and only owe about {$500.00} total to XXXX. However, if I am a DAY late they begin calling me XXXX times a day, contacting my job, borderline harassment. I 'm currently in my mid XXXX 's and can not endure the stress of this. I 'm not ever more than 15 days late and I 've considered getting an attorney involved because there has to be some laws being broken. This is n't an effective means of going after debt. My son worked for a collection agency and he stated they are violating at least a dozen laws by the way they 've contacted me ( which I 've kept track of ). I 'm pretty sure I 'm not the only XXXX suffering from this ridiculousness and when I called and tried to resolve with XXXX they were n't completely truthful with me. I need help fixing this and also I need to make sure this does n't happen ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received an email from Navient Loan Servicing on XXXX/XXXX/16 about placing my delinquent loan into a 2 month forbearance plan and they only thing I needed to due to accept the offer was to reply " yes ''. I replied yes on XXXX/XXXX/16 and assumed my loan was in deferment. I received another email to say my loan was in default and past due for XXXX payments. Once I contacted Navient I was first told that they did not see where the email was sent out to me but then was told they see where something was sent out and I replied on XXXX/XXXX/16 but there system did n't recognize my responds and they deferment was not placed on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXXThis loan was paid off. Reinvestigate and erase please.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I HAVE A CREDIT MONITORING SERVICE AND GOT A ALERT AND THIS COMPANY XXXX XXXX XXXX XXXX, PUT IT ON MY CREDIT REPORT AND DID NOT SEND ME A LETTER IN ADVANCE AND AM WAS IN PROCESS OF TRYING TO BUY A HOME THE AMOUNT {$100.00} I CALL THEM THEY SAY THIS IS AND OLD ACC 6YRS I SAY I DONT KNOW OF IT THEY HAD ALREADY MESS CREDIT REPORT UP I SEND THEM A DISPUTE LETTER FOR THEM TO VALIDATION THE DEBT AND TO SHOW ME THEY HAVE RIGHT TO COLLECT IN STATE TX AND TO PROVE STATUTE LIMITATION EXPIRED AND OR THEY LICENSED IN MY STATE THEY DID NOT SEND THE INFO JUST A SNAP SHOT OF A BILL THEY TRYING TO COLLECT ON THEY DID NOT PROVIDE ORIGINAL SERVICE AGREEMENT WITH MY SIGNATURE ON IT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Credit card) with Patenaude & Felix APC (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: A settlement was made with this collection agency and a payment plan was agreed upon, payments were made according to schedule based on letters and phone calls made by the agency. Letters and calls stop arriving and the agency takes out a legal order to collect on an inflated balance. When contacting the bank, the bank states that the deal must be worked out with P & F, who then bully and lie stating they made calls and sent letters, none of which were registered mail.

Company response to consumer: Closed with explanation