milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Rewards

Complaint: Signed up for an American Express Platinum card with XXXX points offer. Signed up because all the reviews I saw spoke highly of American expresses customer service with their platinum members and their concierge service. After earning the points associated with the sign up bonus my account got flagged for some sort of fraud lockout and after speaking with a customer service representative ( who was very nice ) she told me it would be three weeks before they were unfroze. After three weeks had passed I went to go check my points and again was met with the same error I was then told that it would be another 3-5 weeks as it was a 6-8 week review. This was over three months ago. I escalated the case from a normal customer service representative to her supervisor and then to that supervisors supervisor. Each one told me that the department that handled this sort of fraud did n't have a public contact so I could n't speak with them, but I find that hard to believe seeing as how AMEX is such a large company. I had then asked to speak with her superior but was told they were n't available for calls and to leave a number for callback. That was three weeks ago and I still do not have a callback. 

Not only have they put a freeze on the XXXX points I had earned, but also on the points I had previously had from a different credit card. 

I simply want to speak with someone to let them know what information I can provide to elevate this fraud issue. I 've had something like this happen with other companies in the past, but they simply just sent out a new credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2016 about Debt collection (Credit card) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt is over 7yrs covered by statue Of limitations. Previously disputed on the XXXX credit bureaus. Debt dates back 1999

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 05/19/2015 about Credit card () with SYNCHRONY FINANCIAL (NM).
Issue: Other fee

Complaint: the customer service is horrible she doe snot understand what i ask gives me rong balance van not tell me what interest needs to be credited. which i do need. if i catn get interest back i cant use the card. 
i have XXXX bills and am a loyal cusotmer please help or i am not able to use all my cards with you. XXXX XXXX does this and moreplease train yuour customer service reps to speak XXXX welli will not put up with breakdowns and other losses. and scriptsalso i need to dispute the XXXX dolar charge from XXXX from mcsonalds. please hve someone follow up who can communicat effectivelynot staying on the phone for hours begging for interest. i am a good customer who does not want to bear interest based on my record if you inssist i cant use the cards any of them

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit card () with Atlanticus Services Corporation (CA).
Issue: Billing disputes

Complaint: XXXX XXXX, 2015To : Consumer Financial Protection Bureau XXXX XXXX XXXXSome one open a Credit Card with FORTIVA, dispute resolution, XXXX XXXX XXXX XXXX, XXXX XXXX with card # XXXX XXXX XXXX XXXX. I NEVER hold a Credit Card and I NEVER purchase goods or services. 
Some person use my personal information, this is fraudulent purpose. 
This report to your Bureau, Thank you for your attention the matter. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 12-10-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX, XXXX has caused me much anguish by reporting an invalid debt to the credit bureaus. XXXX, XXXX occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. XXXX, XXXX is reporting this item as an OPEN account. I never received notice of this debt from XXXX, XXXX. I applied for a home loan and was denied due to this criminal act by XXXX, XXXX. XXXX, XXXX is claiming that I owe them {$340.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and XXXX XXXX. A debt validation letter was sent to XXXX XXXX on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a bill back from XXXX but not contract that was signed by me. This was just another one of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent XXXX XXXX a second request on XX/XX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with XXXX, XXXX, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for XXXX, XXXX is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Fraud or scam

Complaint: MY XXXX XXXX XXXX $ TO XXXX. THE POST OFFICE THERE GET INVOLVED IN A FRAUD. HE GAVE : XXXX XXXX $ INSTEAD OF XXXX . 
BECAUSE HE CLAIMED THERE IS FEW SPELLING ERROR WHICH IS CORRECT. 
I WANT TO COMPLAIN FOR THIS KIND OF FRAUD. 
THANKS XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found several late payments on the dates below : 30 days late XX/XX/2015, XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My main complaint is I do NOT own this account. This is a retail credit card company and my wife owns the business. I have NEVER owned a business that uses credit cards. Her business is  XXXX   XXXX  operating under the name of "  XXXX   XXXX   XXXX  ''. I have no idea how this ended up on my credit report. I want it removed and I have any or all documentation you need to prove that I am in no way, form, or fashion associated with my wife 's business.   Basic Info : Debtor is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL,  XXXX . Number is  XXXX . The balance showing is {$1800.00} as an installment account. Its showing my past due amount of {$180.00}. My first delinquency date is  XXXX   XXXX ,  2016 . Thank goodness I checked my credit report.

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 05/24/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Transaction issue

Complaint: Discover Card I purchased by Phone, New Items {$850.00}, paid in full by the discover card account. 
Merchant is XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I called to arrange pick up of the merchandise XXXX 2016. Store owner told me items had been resold and were no longer in inventory. 
I contacted Discover Card with that information to obtain my refund as store owner was not cooperative. 
Discover Card was not cooperative. A store owner can not collect XXXX for the same items. Florida Statute XXXX CH XXXX requires notice certified signed mail to alter ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I contacted Experian on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting Act as to there failure to respond in a timely manner.

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 04/20/2016 about Credit card () with WELLS FARGO & COMPANY (IL).
Issue: Late fee

Complaint: I receive a loan for a new furnace. I was told if I paid {$150.00} a month there would be no interest. I have paid this account way ahead and have been charged interest and late charges by Wells Fargo National Bank. I should not have been charged either interest or late charges. on a paid ahead.

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 02-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Chase is stuck with their wrong accounting and stopped servicing our home mortgage. 
Chase sent us back our XX/XX/XXXX & XX/XX/XXXX payments, and is asking us to pay {$22000.00} to bring it up to current. 
Chase is wrong. As of XX/XX/XXXX our mortgage payment was current. The remaining balance was {$350000.00} on Chase 's book ( see the Statement ; Book XXXX ) as was {$350000.00} on our book ( see Book XXXX ). 
Chase is wrong in saying that we did not make the payments since XX/XX/XXXX. 
Chase is doing a robbery and not servicing a home loan. 
Could OCC/CFPB stop Chase 's criminal act?

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Settlement process and costs

Complaint: I am a realtor. I have a buyer who is going to be left homeless and a XXXX year old seller who is not in good health. We had a contract with select portfolio services to close on XX/XX/XXXX. Because of the new trid guidelines and christmas we had to go beyond XX/XX/XXXX. Everything was done and ready to close and select portfolio was informed but has refused to settle. The loan came from XXXX. I do n't see how it is fair for big banks who got bailed out to basically spit in the face of the american public because the new trid regulations caused a delay. They are ruining XXXX peoples lives and ones health and are using a new government regulation to do it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To Whom it May Concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX Case number : XXXX Related Case Number : XXXX xx XXXX xx XXXX Original Creditor xx XXXX XXXX Original Creditor XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX xx XXXX Original Creditor equifax Case number : XXXX Related Case Number : XXXX Case number : XXXX Related Case Number : XXXX XXXX Original Creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Payday loan) with Premier Recovery Group (KY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Talked to my mother about my debt. Told her they will have me put in jail. This is from XXXX they sold the debt to a thrid party. Call after call threat after theart.

Company response to consumer: Closed
Consumer complaint received 08-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent the following email to Navient and to the Department of Education. I 'm making everyone aware of the problem as it appears to me that Navient has been doing this now for quite some time with no resolution. I am filing a complaint and will do so with any other institutions needed as well as filing a lawsuit if need be. I have gone onto XXXX and XXXX and Navient is WRONGFULLY reporting my student loan debt as a negative hard inquiry to these agencies. You are also increasing the balance with interest! I am making the payments requested even after being put on an income plan and was told NO PAYMENTS for 20 years then the entire loan would be forgiven as long as the paperwork was filled out every 11 months. This is not the case and now it is negatively impacting my credit report as well even though every month you ask for a payment as well as charge interest on it meaning it continues to go up and never go down! I want someone to contact to me by email ONLY as it will be in writing. I am further investigating at this time what needs to be done. I expect a prompt response from someone in management at your company in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (WA).
Issue: Problems caused by my funds being low

Complaint: Bank allowed charges to go through on my account after I told them not to via secure message on the online banking site. 
They told me that the conversation I had with their employee only related to not allowing money from my savings account to be used towards the charges and not the main account. 
At no time when I signed up for the account and signed a form to allow charges to go through without sufficient funds or when I advised them to stop allowing any charges to go through was I told that this was a separate agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/16/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I have been a Macy 's customer for about 40 years. In XXXX 2015 I paid the account in full. In XXXX I received a statement stating I owed {$2.00} with no explanation. I tried calling but was left on hold or the call was dropped. In frustration, I went to the Macy 's store in XXXX, CA. 
They no longer have a credit office. One of the clerks called their credit department and it was explained the {$2.00} was for maintaining the account open!!! I was never noticed that if I have a XXXX balance I would be billed {$2.00} per month. The person agreed to waive the {$2.00}. charge and I told them I would be closing the account. I cut up our cards and sent them a letter telling them to close the account. Then I received a statement from Macy 's adding another {$2.00}. charge plus the {$2.00}. from the previous month for a total of {$4.00}. and giving me a credit on the account of {$33.00} stating it was a refund for a late fee. I did not pay any statements late. The are continuing to bill me {$2.00}. month for maintaining account that I closed in XXXX. I believe the {$2.00} a month fee is illegal. I want them to stop billing me and if they think I have {$33.00} credit, I want it mailed to me. If they are billing {$2.00} a month to XXXX of credit customers who have no balance due, they are billing the public XXXX of dollars a month for nothing.

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 11/16/2017 about Debt collection (Medical debt) with GLA Collection Company, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The balance due is XXXX, the GLA Collections continues to show that i have an open item in collections. The date reported on this XXXX balance collections item is XXXX 2012. 

I do not have anything in collections, however this item continues to show but reflects a XXXX balance. I want this dropped off my credit score history. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Capital One is a crooked company that I had the misfortune of doing business with in the past. 

Now, now matter how often I tell them to go away and stop marketing me, they keep coming back. 

I just received another call from them even though I keep my number on the XXXX list. I verified with the operator that contacted me that they were Capital One. 

Please put them out of business!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Student loan (Non-federal student loan) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: have a loan through american education services with national collegiate trust since 2006. I have asked for copy of note and history of payments several times and get results from XXXX XXXX XXXX. never get payment history. loan was for {$8000.00} and after 10 yrs. they say i still owe {$7800.00}. have tried several times to find out where and what my payments are being applied to. can not get any answers from national collegiate trust and no payment history from AES. have spoke with XXXX XXXX XXXX and have no problem with what they want me to do. need help with AES and national collegiate trust to understand what is going on. i am on XXXX now and they are harassing my sister who is the co-signer of this note.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (FHA mortgage) with Selene Finance LP (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Our property is in Tn, and we had to leave due to my health in XXXX of XXXX. Leaving our sons to take over the mortgage payments and utilities and all of our belongings. Everything was going fine until we got a couple months behind in our mortgage. The original mortgage holder sold the mortgage to another company without our knowledge. 
When we found out, we tried to work with them and we told that they do n't make arrangements. They want the whole arrears or nothing. The loan holder is a XXXX Veteran and there is no way to come up this kind of money. We even gave them new our address away from the property. 
This went on for 2 years until I hired XXXX XXXX, an attorney, to stop the foreclosure in XXXX I paid the attorney to do my wishes, which did n't happen. We tried to do cash for keys, and it was never presented. We dismissed the attorney in XXXX. 
XXXX of XXXX, some XXXX came to the door asking questions about the property, wanting to come in. My son refused. She went around to see our XXXX XXXX XXXX barking, and she stated that he was the XXXX making all the noise. The next day he came up missing. 
A police report was filed. Cars passed slowly taking pictures of my house and property. 
We contacted the mortgage company in XXXX of XXXX requesting loan modification. We submitted the paper work many times and they kept tells us they never received the paper work. 
They sold the property at foreclosure sale on XXXX XXXX, XXXX, and no one purchased it. They still would n't work with us. Our personal belongings were still in the house, and we were trying to work with them so we could get our stuff out. 
We were never served with with eviction papers until XXXX XXXX, XXXX, giving us 30 days from the XXXX to remove our things. 
On the XXXX, the mortgage company ordered all our belongings inside and out side be removed and destroyed. We have litigation over the disposal of the personal property. 
This complaint is that they never allowed us to do a Loan Modification, and foreclosed on us, and sent people to harass our son while he was staying there. We finally brought him to live with us XXXX of XXXX cause he could n't handle the harassing any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NV).
Issue: Credit determination

Complaint: I applied for a Amex Plum Card and was denied. This was based upon my being an " Authorized User with various companies that did not meet their financial obligations with Amex. XXXX dated XX/XX/XXXX, ( 17 years old ), XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. 
My credit was never checked by Amex. I was never the primary account holder for any of these accounts. The date of the letter was XX/XX/XXXX. I received the detailed explanation by calling the XXXX number in the letter. 
It should n't be legal for a credit granting company to use a primary card holder or company 's information that is responsible for an credit account against an " authorized user ''. A copy of the letter of denial is attached. Note, that it says that I was denied due to the fact that American Express cancelled your previous accounts- all of which I was not financially responsible for nor the primary and financially responsible party. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation