milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing

Complaint: I applied for an American Express Gold Delta SkyMiles credit card on XXXX XXXX, 2014 and was given a confirmation online that confirmed a promotion of XXXX airmiles after I made {$1000.00} in purchases within 3 months. I made a transaction of {$1000.00} in the first month. I was told in XXXX 2014 that I did not qualify for the offer because I had a Delta card previously. This was not mentioned in the offer when I applied. 
I have contacted them repeatedly and they have refused to add the miles. 
Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In   XXXX  , I was denied employment with  XXX  due to false negative debt reporting by Bank of America. Bank of America reported that I had over {$10000.00} in negative debt, which was a disqualifier for  XXXX  Applicants. Though Bank of America apologized and admitted fault for the errors, I sustained damages that I was never compensated for. Presently Bank of America reports that my mortgage loan is abandoned though it is paid as agreed.

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 12/31/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I sent a XXXX deposit to Coinbase on XX/XX/XXXX, which was received by their bank on XX/XX/XXXX. For XXXX Euros. 

The deposit still has not been added to my online account with coinbase, nor has the money been returned to me. The deposit/transaction is still showing as pending on my coinbase account. Even though, my bank has confirmed that their bank has received the funds on XX/XX/XXXX. 

Coinbase support have only responded using templated emails and have not provided an explanation, timeframe or proposed resolution. Whats worse, they responded saying that all my transactions have gone through and that they ca n't see anything wrong in my account. 

Coinbase took my deposit on the XX/XX/XXXX and have held onto my money. And have not made it available for me to spend of withdraw, or given a reason for the delay. The deposit/transaction has been stuck as pending since XX/XX/XXXX, and coinbase have my money, but have not updated my balance for the last 3 weeks. 

I fear I will never see my money again.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have ask this company to send me a validation of debt but I have yet to receive one so I dispute thru the credit bureaus instead and they proceeded to place the same debt back onto my credit report twice. This company is so unprofessional and a complete fraud and do not know how to conduct business correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: A manual payment of was made ( on the due date XXXX/XXXX/XXXX ) to my Wells Fargo personal secured credit card because I had cancelled automatic payments. An automatic payment was still initiated on the same date - after my manual payment. Wells Fargo 's automatic payment non-cancellation mistake caused imbalances to my checking account resulting in additional charges to my other bank accounts and by creditors. 

When Wells Fargo was contacted about the mistake, they had no record of my automatic payment cancellation. When I cancelled, the phone representative did n't provide any sort of confirmation number ( which should be procedural ). Though if considered, my manual payment would confirm my understanding of the cancellation. 

Following many unsuccessful contacts by phone, call transfers and repetitive explanations to resolve the issues, I was forced to visit my local branch office in person on XXXX/XXXX/XXXX. Following another lengthy situation review with the branch representative, she made several calls explaining my difficulties then, put me on the phone again. The manager on the phone gave me a verbal promise that the correction would be made by Monday XXXX/XXXX/XXXX. Unexpectedly on XXXX/XXXX/XXXX, Wells Fargo closed all of my bank accounts ( including my personal accounts ), because XXXX of my business bank accounts had XXXX returned checks from customers. 

The secure credit card balance was below the secured deposit amount and should have been reconciled on the date the account was closed, rather than waiting to XXXX XXXX and the accruing of additional minimum payment charges growing from {$25.00} in XXXX to {$210.00} in XXXX XXXX. Upon Wells Fargo 's closure of all of our accounts, they held full control of our funds. 

From XXXX/XXXX/XXXX forward Wells Fargo has benefited, there has been little inclination for Wells Fargo to consider their customer 's experience nor their internal errors which caused a harmful chain of events. 

Wells Fargo has not corrected their procedures to provide a confirmation of automatic payment cancellation- for what may be disturbing reasons. 
These actions clearly point to systemic policies for generating more fees and profits. This ruthless and machine-like approach has nothing to do with true customer service nor with cultivating mutually beneficial, long term relations.

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 05/30/2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making payments each month through the companies " XXXX '' However each month I am getting a notice saying my payment is late. I pay before my bill date and always get a receipt. On top of that this company is not applying the extra I am paying toward the principal, but instead putting it all toward interest. At the beginning they were, now they are not. The paper bill and the online system never have the same figures on it. I am tired of this. It took me may months just to get a paper bill from them, now that I have it, my payments are not being applied correctly nor is the principal shrinking.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: Consistently putting in checks for withdrawal at XXXX at night, notifying me on texte alert at XXXX around XXXX or so the account is overdrawn. I then immediately either deposit that morning or transfer at around XXXX and then charge me an overdraft twice this has happened. the total is now {$72.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (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: Since XX/XX/XXXX. I 've been trying to get a problem with a credit that was n't posted to my account correctly for a promotional offer, to get posted correctly so it would n't show on my statement that I owe money on a deadline that I do n't actually owe. I had it corrected before because XXXX did n't post it correctly. XXXX did and it was a cinch. This time XXXX made exactly the same error but XXXX did n't get it fixed. Instead they sent form letters with generic info in it and that was the end of it. They kept telling me with each call that it would be fixed, apologized too many times, told me they take these matters seriously but still have n't fixed the problem! The amount is above {$500.00} and neither XXXX nor XXXX can get something so simple taken care of. Please see all attached. I 'm tired of calling them spending hours of my Saturday 's on the phone with them to hear the same old same old only to receive a form letter telling me they do n't know what I 'm talking about. It 's become ridiculous and expresses horrific customer service on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I became unemployed in late 2012, Navient first offered me forbearance and then later enrolled me in an interest-only plan. They led me to believe that my monthly payments would cover the amount of interest I was accruing and that my loans would essentially remain unchanged during this time. But I later found out that they were charging me more interest than what I was paying, so my loans continued to grow incrementally over time. I wanted to change plans, but they made it very difficult. I had to call them and provide a detailed financial picture of my household including how much I spent on food, electric, gas, etc ... per month. I ultimately decided it would be easier to refinance/consolidate the loans with another company, so I began working on that instead. In this time, Navient never offered me income-based repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with SYNCHRONY FINANCIAL (WV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I lost my wallet and a WalMart credit card was stolen. Ge bank recognized the charges as fraudulent and the charges on the card would not be reported to the credit agencies or a collections agency. Except XXXX things happened even after he made XXXX months of payments after the letter saying the charges were fraudulent. My wife and I both have contacted ge and they 've told us they would resolve the issues but have n't and refuse to speak to my wife now.b we do n't have time for this and this has kept us from buying a house and car and getting a better job because it 's the only thing on my credit report. This is unacceptable and they need to fix this. I have original letters from them and police reports. I would like my money back I paid for charges o did n't make.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
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 initially filed complaint XXXX regarded inaccurate data, multiple/fragmented files, and unauthorized inquiries only to have EQUIFAX not resolve my issue but provide an copy of one of the credit files. My issue has remained unchanged. I have multiple fragmented credit files with Equifax. I have submitted 14 disputes since XX/XX/XXXX to correct the inaccuracies of the files and to attempt to have the files merged without success. I have copies of the " corrected report '' of each dispute that are not reflective of the initial credit report that the disputes were submitted. I am subscribed to three different credit monitoring services excluding the free services that are offered my two of my banking institutions and EACH one of them provides a different EQUIFAX credit file for me. I have had contact with several representatives via email support, phone, and certified mail and the issue remains unresolved. I requested a security freeze XX/XX/XXXX ; however, those fragmented credit files are providing unauthorized access to my credit file and I am accumulating inquiries that I have not initiated and Equifax refuse to delete. The most recent response that I received in XX/XX/XXXX stated that " their security freeze is n't completely foolproof that existing creditors can access my report ... .Thank you for contacting Equifax ''. I have spent countless hours holding for representatives or arguing with outsourced representatives that do not provide assistance beyond a script. ISSUE : I obtained a security freeze to control access to my credit file, Equifax fragmented my credit file in multiple files that provides UNAUTHORIZED access along with outdated and inaccurate information that I am constantly disputing, they are supposedly corrected but later reinserted without any notifications to me, and I 'm pretty sure that 's a FCRA violation. I have had creditors close accounts, lower credit limits, and deny additional services because of the inability to obtain accurate information. My employer requires periodic background reinvestigations which requires full credit disclosure in order for me to maintain security clearance for my job position and due to this issue they have not been able to do so. My credibility is being questioned and my livelihood is being jeopardized. AS OF XX/XX/XXXX, EACH ATTEMPT TO CONTACT RESULTS IN " WE CA N'T HELP YOU OR WE DO N'T SEE WHAT YOU HAVE, OR WE CA N'T TRANSFER YOU WITHOUT ACCOUNT NOTATIONS, OR YOU CAN REQUEST DISPUTES ONLINE ''. THIS IS UNACCEPTABLE AND THIS IS MY LAST ATTEMPT TO SEEK A RESOLVE BEFORE OBTAINING LEGAL COUNSEL.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My bus. acct is being closed by Bank of America, in XXXX, CT. within a month their reason they do not want ATM bus. I opened the acct in XXXX they were so happy to have me. Bus and personal accts after XXXX XXXX closed my acct for the same reason in XXXX, CT. I was with them for 10 years. I am XXXX years old I XXXX and XXXX XXXX XXXX XXXX one in XXXX XXXX, CT a manufacturing co in their cafeteria for employees and one at a resort in XXXX, MA. I owned that one since XXXX. The bank knows I use my own money to XXXX XXXX XXXX XXXX with an IRA. I retired after 21 years at XXXX, in XXXX XXXX, CT. I took a buy out, age XXXX in XXXX. I own my home in XXXX since XXXX. Still owe a mortgage ofXXXX. When a person takes money out of the ATM the money comes back to my bus. acct the next morning from a data processing company by an ACH that I filled out when I opened the acct. These accts are not very busy by the way but the income helps to pay my mtg. I am paid once a month by XXXX XXXX for the fees I charge at each machine. That incomes comes to me by an ACH also around the tenth of the month. The people at the branch are very nice and I only go in the most twice a week for the cash, {$2000.00} or {$4000.00}, etc. I am so shaken knowing that banks are refusing to allow our business and we need a bank. I am devastated. Can you help me please?

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 06/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. In addition, this creditor sold the account to a collection agency AFTER the bankruptcy discharge. The collection agency ( XXXX XXXX XXXX ) continues to contact me illegally. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due as of the bankruptcy date.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Money transfers (Domestic (US) money transfer) with RIA FINANCIAL (GA).
Issue: Other transaction issues

Complaint: My friend attempted to send a money transfer through XXXX. I went to pick up the transfer and was told he had to contact a compliance number in reference to the transfer. My friend was told that I had gotten too many transfers and they were unable to fulfill the request. He had to pick up the money and the transaction was cancelled. I contacted XXXX and they told me they were unable to provide me with any information about the matter as they were limited. They offered no assistance and would not even state how many transfers it showed for me. I asked for a supervisor and she told me the same thing as the agent. My issue is : I have not gotten any wire transfers through this service. There were XXXX sent this year for me and I was unable to accept either XXXX due to XXXX denying me the ability to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: I purchased a bed under a promotion from Macy 's using my Macy 's card in XXXX of 2014. The promotion was 1 year no interest if paid before year was up. I set up to receive bills through XXXX Bill Pay online and pay {$75.00} a month in response to bill received. {$75.00} was the amount of the bed divided by XXXX to be sure it was paid by the end of the promotion. That was not the minimum payment, they do not give you the correct minimum payment to meet the promotion, they give you what they consider a minimum payment. Every month for 11 months I received a bill into XXXX and a payment of {$75.00} was initiated, except for XXXX 's bill. It was not received, therefore the payment was not automatically initiated and paid as it had been for the past 11 months. So when XXXX 's bill arrives into XXXX, it had a late fee and all of the accrued interest charged. 

I called Macy 's and was given absolutely no help. They said they would do a XXXX time courtesy waive of the late payment since I had a perfect payment history. I was then told that in order to initiate an inquiry they would need me to pay all of the past due, which included the interest. I paid the past due only and told them to get the account to someone that could handle it. I should not have to pay then wait for them to refund my money and I refused to do so. I have yet to hear from Macy 's and I have called as well as sent secure messages through their website. When they asked why I had not made the payment I explained that the bill had been delivered to Quicken for all but the last month of the promotion, ironically I might add, and that was why the payment was not made, it was automatic. 

I have asked everyone I have talked to why I would pay more than the minimum payment every month to meet the promotion but not pay the very last month? No one has a good response, because it makes no sense. 

In my opinion this is a fraudulent way of collecting money from consumers by using their reliance on payment systems. Macy 's knows that I use XXXX and they also are in control of sending the bill monthly. There is no way around this being anything but fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid XXXX directly and by law, they must recall the account from Convergent, which Covergent agrees they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete

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 08-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently had my car repossessed in XXXX 2015. After the repossession I was given the option to get my car back if I could bring my account current. I brought my account current through XXXX and the various agencies they worked with. Once my account was current XXXX reinstated my loan and had me being making monthly payments ; however, the status of my loan on my credit report is faulty. It still displays my account in charge off status, with me making monthly payments to the account, and no evidence of the loan being reinstated. 

If my account has been brought current, and you have reinstated my loan, it would only make sense to reflect my account as a simple interest loan once more with installment payments being paid on time currently. It does not seem feasible that one would reinstate my loan while still reporting it as charged off with payments being made on that charge off monthly. 

XXXX has refused to give me paperwork stating that they have reinstated my loan. All I have currently is my payment history which they are obligated to provide me with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I do n't know these companies or debts, tried to reach out to get information on debt but nothing was sent or verified to me, I disputed with XXXX, XXXX, and XXXX but it comes back as verified but I did n't receive anything, if this debt is valid ( which it should not be ) I did not authorize my personal information to be shared with a third party company I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. I am also XXXX and have been receiving XXXX health insurance such as XXXX and XXXX which was presented as form of payment at every doctor appointment so I 'm not sure why there is even a debt to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Bank account or service (Checking account) with KEYCORP (OR).
Issue: Account opening, closing, or management

Complaint: I signed up for an account with a XXXX bonus. I have not recived it. Now they are saying I had prior accounts but they are with my minor kids. Which I was told I still qulified. Then they said I was negative which I was for a fee caused by the bank. An annual fee I was unaware I had. So they said this was why I was I had not received bonus. I feel like this was misleading and the bank is trying to find any reason not to pay.

Company response to consumer: Closed with explanation