milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/27/2015 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Rewards

Complaint: I signed up for the American Express card and XXXX bonus miles if I spent {$1000.00} in XXXX days. I saw there was an offer to get XXXX miles if i spent {$2000.00}. Initially they said i could not do this, XXXX call on XXXX XXXX. I called back at XXXX, same day to reconfirm this, and i was told " IF I SPENT THE {$2000.00}, i would AUTOMATICALLY RECEIVE THE XXXX BONUS MILES ''. So, this is a VERBAL CONTRACT WITH AMERICAN EXPRESS!!! I immediately spent the {$2000.00} and after a few weeks noticed, the mileage promised never updated. So i called an argued several times and it was then told to me, by several employees of AMEX, it has been decided in your favor and you will recieve the miles in XXXX weeks. After XXXX weeks I checked back only to learn that the matter was CLOSED and i would NOT BE RECIEVING THE MILES THAT WERE VERABALLY PROMISED VIA PHONE CONVERSATION XXXX XXXX!!! The converation on the XXXX was a contract thatbinvolved me SPENDING {$2000.00}!!!!!!!!!! To get the XXXX additional miles. And Aamerican express has decided to 1. Not honor the deal and 2. To not give the XXXX miles after i was told it had already been awarded and eecided in MY FAVOR!!! I expect vetter from a card that carries AMERICAN in their name. Shame on them for lying and lying and lying and then not following thru with the verbal contract that they have XXXX FILE AND RECORDED. I FEEL THEY SHOULD suffer PUNITIVE DAMAGES for making a customer spend {$2000.00} and then renig on their VERBAL CONTRACT MADE ON XXXX XXXX. The value of those miles is {$560.00} if i had to purchase them from XXXX. Not to mention i spent {$2000.00} that i really didnt have to soend at that time thinking AMEX was going to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent all documentation to the credit bureas about fraudulent items that are showing on my credit reports. An identity theft statement, police report, a victim statement and a name of all accounts, addresses, names, birhtdays, ect to the credit bureaus. The credit bureaus replied with a letter stating that they refuse to block the fraudulent information. These items are fraudulent and do not belong to me. they stated that i must have gained from these items. it is a store on the report that is for kids. i am a XXXX year old man. i am not even familiar with this store. I am asking that the bureaus immediatly block and remove all of these fraudulent items immediatly.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: I have two tax liens. That were paid. On XX/XX/XXXX. 

We called the credit bureau ( Transunion ) on XX/XX/XXXX and they advised according to the law passed in XX/XX/XXXX. Liens would be taken off public records. 

All we had to do is send documents showing liens paid in full. 

We sent documents certified mail showing liens paid to transunion. 

We called transunion XX/XX/XXXX Rep advised. Received documents and will update liens paid in full, but will not remove off credit. 

I would like to have this off credit report according to the New public record credit reporting standards XX/XX/XXXX. 

Thank you

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 09-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kenneth, Eisen & Associates, Ltd. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 've called & tried to request an invoice and XXXX XXXX ( XXXX XXXX XXXX ) refuses to send me a statement of proof of why I owe & what it is for. They said they ca n't because it has been to long then they need to REMOVED my credit report. This is from 2011 when I lived in XXXX. I do n't remember owing anything when I moved back to XXXX. I 've disputed this & it is closed & open ( collections ) now on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving calls from CBE group XXXX XXXX XXXX up to 6 times a day on my cell phone and home phone. Almost Everytime I answer they hang up. I spoke with a lady once and I told her to call me back at a certain time because I was at work. They called me back 3 days later and then no one answered when I answered and they hung up. They do n't leave a message. When I ask them to identify themselves and reason for call they say they ca n't without me telling them my name, address and birthday. I called them on XXXX and explained to them what they are doing is harassment and they say they are doing nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Real Time Resolutions, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I seatle this debt and made all require payments. I received a notice of satisfaction from the lender/ agency and the removed themself from my credit report. Then this new collection agency REAL TIME RESOLUTION IS SENDING ME BILLS on the balance that was seatled. The ruin my credit score and wo n't stop sending me bills. I already faxed them copies of the seatlement agreement, proof of payment, letter from original lender showing XXXX things, first a matching account number so they know that we are talking about the same account and that it was paid, fully satisfied and closed, but this agency refuses to stop their attempt to collect something from me and to remove their name from my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Nationwide Credit Corporation (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX-16 I had to visit the emergency room at XXXX XXXX Hospital. I am a veteran with coverage under the Department Of Veterans Affairs. XXXX XXXX XXXX failed to file a cliam with the Department of Veterans Affairs within the 90 time limit requirement prescribed by law XXXX. Instead they instructed their agent Nationwide Credit Corporation to pursue collection activities against me in the amount of {$210.00}. I have attempted to resolve this matter with the companies to no avail. Their actions have resulted in inacurrate and negative information in my credit report affecting my credit score, insurance rates etc.

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 10-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Contacted Experian concerning inquires and accounts that were not mine.

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 04-01-2017 about Debt collection (Federal student loan) with SECURITY CREDIT SYSTEMS INC (NY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I received many phone calls from this company security credit systems in regards to a student loan account from XXXX College, I sent letters spoke with XXXX on the phone, I also faxed over the information that this account in under the us department of education, and that I am paying a monthly fee to XXXX who currently has this account, but the phone calls continue, I wish to have this account updated to reflect that this account in fact is being serviced by XXXX, and that payment are being made in a timely fashion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband died, the mortgage was not in my name. I was working with Ocwen on a simple assumption and I was approved for a trial modification with Ocwen. I made all 3 trial payments and my loan was sold to XXXX. When speaking with Ocwen they stated that all my information would also be transferred including the fact that my loan was about to be modified and put in my name and that I had made all three trial payment on the trial modification.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged bank acct wrong day or amt

Complaint: This is Big Picture loans AKA XXXX XXXX. This Lender is ripping me off my loan was for XXXX, with scheduled amounts to be withdrawn. First they never told me the payments are interest only and second my last two payments have been more than the scheduled amounts. I have emailed them several times about the payments and all they say is the first 5 was interest only and then XXXX extra to reduce the loan. But to pay it off today it is XXXX plus the interest. I got this loan XXXX XXXX. I have found out since they are charging me 911.1925 %, I never saw this nor was I told all of this before getting this loan. As it stands now I will never pay this off because the payments they have scheduled are interest only. I have had payday loans before with another company and the payments I made included interest and money going to principal so the loan would pay off after the number of payments had been made. This company is a scamming people and needs to be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (I do not know) with EQUIFAX, INC. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been attempting to contact this company ( XXXX XXXX XXXX XXXX XXXX ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX credit report in which they removed all three because they were in fact no validated debts. I have requested that Equifax does the same ; however, Equifax will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either Equifax nor XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My wallet was stolen XX/XX/2005. My I.D . and social security card were in it. Since then collection bills, installment loans, and credit inquiries are now showing up on my credit report and I have to dispute them directly with the credit bureaus. I have had no success in having these items removed from my report so far. I am requesting that a further investigation into these claims against me be looked into by the consumer financial protection bureau. To protect my rights as a borrower, and to exercise my rights into the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (FL).
Issue: Trouble during payment process

Complaint: Sustained property damages bathroom pipe bursed, filed claim with my insurance company and received XXXX payment of $ XXXX. 

80 % of work is now completed an requested inspection per bank instructions. appointment for inspection was scheduled forXX/XX/XXXX at XXXX. I stayed home all day and no one showed up or called. 

Called the bank the same day and spoke to several representative ( XXXX and XXXX ) at XXXX and XXXX and XXXX on XX/XX/XXXX ,XXXX XXXX. 

I have been trying to schedule an inspection since XXXX XXXX and only getting the run around and not able to transfer me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: My mother had a checking account and two savings accounts with Bank of America. When she died, my brother informed the bank and provided a copy of the death certificate. Each account had a payable on death beneficiary. The bank 's initial response to my brother ( who had held power of attorney prior to my mother 's death ), was that they would " reach out to each of the beneficiaries. When none of us received any word from B of A, my brother again inquired and was told we needed to provide court documents that are unnecessary, as all my mother 's assets were available as non-probate transfer. I went to a local B of A banking center, where, after an hour and a phone call by the associate to corporate that was transferred from one person to another, I was finally given forms that needed to be completed, notarized, and returned to the bank. When I returned my form today, a different associate indicated that what I had been given was not the complete form, but did not indicate what was missing. She also insisted that my brother her call her ( my brother lives in XXXX, while I am in XXXX of which my mother was also a resident ), but refused to say why he needed to call. When he called, he could not speak to her and left his phone number, but did not receive a return call. We are very frustrated with the length of time it is taking to close out these accounts and access the funds, which we need to pay my mother 's final expenses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: OK ... .SOMEBODY USED MY MIDDLE NAME AND FORMER MARRIED NAME TO OPEN A XXXX ACCOUNT AT AN ADDRESS I NEVER RESIDED AT. I DO NOT KNOW WHO DID THIS ... HOWEVER, THIS NEEDS TO BE REMOVED FROM ALL OF MY CREDIT BUREAUS ... .I SPOKE WITH THE DEBT COLLECTORS YESTERDAY AND THEY CLAIMED THAT THE DEBT WAS CLOSED AS OF XXXX XXXX, 2016 ... ..HOWEVER, IT IS SHOWING UP ON MY XXXX REPORT! XXXX!!! I DO NOT BELIEVE THEM, EVEN THOUGH THEY DOUBLE CHECKED!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 spoke to an Equifax agent in regards to several numerous repeated inquiries that I have not made. I even sent in a dispute online on XXXX XXXX,2017 that is still pending and has not been completed in 2 months. I advised the rep that I have in fact called the creditors and sent out letters 2ith no response. I even advised that one of the creditors on my report sent me a letter and it was addressed to someone else. After being on the phone with her for what I felt was over 30 minutes going through my credit report she stated she had submitted it but the next day I received an email with the same information I had sent to the creditors. I even spoke to one creditor who stated my report has only been pulled once, but showing up numerous times on my credit report.Then now I may have been apart of the data breach and have been hung up the face several times when trying to reach someone to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Consumer Loan (Installment loan) with Duvera Billing Services, LLC (PA).
Issue: Managing the loan or lease

Complaint: I purchaed a sofa from a local establishment {$580.00}. Total cost XXXX. I requested to finance part of it. They use Duvera Financial but the minimum they would finance was {$370.00} which I did. If I paid it off in 3 mon. it was interest free. I could not afford to do that. I received the contract from them in the mail 2 weeks later and charged me 189 % interest. Is this legal? I ca n't afford this. Do I have any recourse? They will do nothing about it over the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I am writing in regards to a dispute that I had opened with Chase regarding my checking account. On XX/XX/XXXX, I had requested a stop payment of {$830.00} to my landlord for rent payment because I had set up recurring payments online and could not access their online system due to technical difficulties on their end. I called into the XXXX number for Chase and was granted the stopped payment. I asked and confirmed about twice that this would be a XXXX time stop payment and stop recurring payments. Months following this process, I would log into my Leasing office account to pay rent and manually pay from my credit card or bank account to which a day later would result in the payment being stopped. Due to this fact I have accrued {$310.00} in fees for late payment. This has caused immense financial strain and burden. Also, I would like to mention another incident where there was a an admitted point in human error by a banking associate at the XXXX, CT XXXX XXXX XX/XX/XXXX branch where I awaited a deposit in XX/XX/XXXX in my account from a payee who deposited it into the branch but it was put into another customer 's account, resulting in loss of funds to pay important bills that month. I was sent a letter apologizing on half of the error that also stated that my account number and info may had been available to another customer in the whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit reporting () with Monterey Financial Services LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Monterey financial services was the loan company that the loan for my wife 's ring was financed through when i purchased my wife 's ring on XXXX/XXXX/2011, they are refusing to take responsibility and i am in touch with an attorney to take proper legal steps to sue Monterey Financial services if they do n't want to fix the problem they have created. my wife 's ring cost {$5000.00} with interest and loan charges i paid Monterey Financial Services about {$7200.00} in total and i have bank statements to take to court if that is the route they want to take. i am again asking Monterey Financial Services through this complaint to fix and report this financing on my credit as i will not stop until it is fixed. i will also call all media outlets in the city XXXX the offices of business oversight, offices of licensing and incorporating and the XXXX XXXX district attorney 's office, this financial fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (AZ).
Issue: Trouble during payment process

Complaint: My home mortgage has been with Roundpoint Mortgage. 

In XX/XX/XXXX, I paid {$270000.00} in addition to my monthly payment. That brought my loan to a total of just over {$2000.00}. 

Roundpoint turned off my autopayment without notifying me. They called to say I was late on my XXXX payment. This was a surprise. I requested the payoff letter. Roundpoint provided the  payoff letter. I then completed payment of the remaining balance for {$2100.00} per the payoff letter instructions ( removing the XX/XX/XXXX late fee amount per the customer service rep 's instruction - as she entered a request for it to be waived on XX/XX/XXXX ), going directly to XXXX XXXX XXXX to complete the transaction on XX/XX/XXXX. 

Roundpoint Mortgage continued to call, stating that I was delinquent in payment from XX/XX/XXXX. I then submitted to Roundpoint the transaction receipt from XXXX XXXX XXXX as payoff proof and requested that Roundpoint research this matter on XX/XX/XXXX to the email account that one of their customer service agents suggested. Roundpoint Mortgage sent an automatic receipt of reply, and they also sent a paper letter stating that they were reviewing this. 

To my ongoing surprise, Roundpoint continues to call me multiple times per week stating that I am delinquent in payments from XX/XX/XXXX. I received a letter dated XX/XX/XXXX that I am in default in the amount of {$4700.00}, which is greater than my remaining balance prior to payoff. 

Today I spoke with customer service at Roundpoint Mortgage. The agent was very helpful. He found my previous correspondence along with the payoff receipt, and apologized for the issue ( it is unclear why research was dropped ). He said he will work with accounting to locate the wired funds and reconcile payment for the remaining balance. He said he would follow up with me on this accounting issue. 

My concern is that I have spoken with multiple agents at Roundpoint Mortgage, the ball has been dropped more than once, and my credit is being threatened. 

I would like Roundpoint Mortgage to show that they have not inaccurately reported delinquent payments against my credit. 

Thank you for any help you can provide in this matter

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