milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease

Complaint: I have an auto loan with Santander consumer Usa. Its a subprime auto loan with 24.4 percent interest rate. My monthly paymant is {$460.00} a month. XXXX has been applied to the princable of 24 payments. I notified the company in writing that i was forced to pay an additional {$2500.00} down for extended warranty as part of the terms of the loan. Found out the car was still under warranty by XXXX. They said they couldnt refund that money to contact the company that sold the warranty. Turns out they are subdividion of ssntander. I wrote them a letter after they repo my car stating i was on workers comp and can they put a hold on my payments or refinance the loan. They refused. I got my car back after paying the past due amount of {$1200.00} and 1 week later the calls started that i was behind by {$1500.00}. They refused to refi or renogotiate payments. I owe {$16000.00} the same amount as the day i purchased the car over 2 yrs ago and total payoff amount is higher. I put {$6500.00} down. The ticket price was {$11000.00}. I know i should expect higher fees because my credit isnt great but the way I see it is they are making sure I will never be able to pay off this loan. It a 2012 XXXX. They apply payments any way the want instead of where its supposed to be. I have made XXXX payments in one week this month and again a week later tge collection calls start. They report me 60 days late almost monthly. There is no resolution with the bank. No matter what form of payment i use im charged an addition {$10.00} convenience fee. If i mail them a payment they tske their time posting it then charge me late fees and more interest. Im constantly threatened with repos. They wont refund my {$2500.00} for the warranty i did not need and never once used. Now that im workers comp my income is half of what it was. I sent them the award letter from XXXX. They dont care. I dont understand how i still owe the exact amount i owed from the day i purchased the car. I dont know what else i can do so i send them every dime i have just to stop them from taking the car in the middle of the night again. I need my car to go to the doctors, surgeons and physical therapy. They even refused to take a lein on my settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Around XX/XX/XXXX, I received a letter specifically addressed to me from American Express Cards Company. It tempted me to apply for a Blue Cash Everyday Card from them with the words " Earn {$250.00} back after you spend {$1000.00} in purchases on your new Card in your first 3 months ''. 

I applied for it and got a new card in XX/XX/XXXX. When I received the new card in mail, I called the American Express Cards Company 's customer service phone number to confirm their promise of earning {$250.00} back was a true deal. They confirmed {$250.00} could be redeemed as a statement credit after I use the new card in my purchases of {$1000.00} in the first 3 months. They also said the new card was effective from XX/XX/XXXX. So I started to use the card to pay my bills, buy insurance policy, and various kinds of shopping. By the end of the 3rd month, my purchases surpassed {$1000.00} on this card. To my surprise, the American Express Cards XX/XX/XXXX statement only redeemed {$100.00} as credit. I called their customer service, only to learn that I was entitled to earn {$100.00} instead of {$250.00} as cash back. I explained to them I had fulfilled my obligation to spend {$1000.00} in the first 3 months and requested them to respect their promise in the invitation letter sent to me. The representative said they had to make an investigation about the issue and then send me a letter about the result. There was never any response from them after that. No letter, no phone calls, or emails. Nothing. I made two more phone calls to their customer service. In the second call, a woman said the case is still being investigated and there was no decision made by her superior administrators. However, she said she saw the RSVP Code on that invitation letter shown on my application, but the case was pending. It would take 7 to 10 days to have any answer. Today I called them again, the Rep. said they could n't make good on their promise of {$250.00}. I asked to talk to his supervisor. After put me on hold for more than 10 minutes, a woman supervisor said that I am not eligible for that {$250.00} cash back because I did n't comply some of their conditions. What conditions? I asked, the only conditions on your invitation letter was to spend {$1000.00}, which I did as we agreed. I ca n't tell you more information, she said, but you just not eligible for {$250.00}. End of the call. 

As you can see, the American Express Cards Company made false advertisements to allure people like me for making them profit and then breached unscrupulously the agreement between us two parties. this kind of fraudulent schemes should be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-05-2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account # XXXX XXXX XXXX XXXX. & XXXX has incorrectly billed me for over {$2000.00} ; I do n't owe this debt. I have uploaded a copy of the correct billing statement.

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 08/13/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I SENT A LETTER ASKING FOR VALIDATION TO THE CREDIT REPORTING COMPANY AND THEIR FINAL ANSWER WAS ALL INFO IS REPORTING VERIFIED BUT THATS NOT WHAT I SAID I ASKED FOR VALIDATION. THESE ACCOUNTS HAS NO PAYMENT HISTORY EXCEPT FOR THE MONTH I ASKED FOR VALIDATION SO THEY IN RETURN REPORTED PAYMENT OK BUT HOW? ACCOUNT BEEN CLOSED FOR TEN YEARS AND THAT ALSO HAS THE ACCOUNT NOW REPORTING CURRENT. SO IF THE ACCOUNT IS GOING TO REPORT CURRENT WHY THEY DO ADD THE CORRECT ACCOUNT AGE? ITS XXXX ACCOUNTS WITH XXXX XXXX, XXXX WITH XXXX XXXX, XXXX WITH XXXX AND XXXX WITH XXXX XXXX BUT ALL THESE ACCOUNTS WAS CONSOLIDATED OVER 9 YRS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity Fraud Resolutions. Of the three,  XXXX was the most responsive. XXXX   began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID fraud. 
________________________________ I have been able to successfully lock Equifax and XXXX credit reports. I'm still unable to successfully use XXXX XXXX through the HTTP// : XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my XXXX credit report. This comes even after the initial 90-day fraud alert that was placed on my credit report XX/XX/XXXX. 

The XXXX and Equifax customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact XXXX and Equifax customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to XXXX, they Equifax and XXXX included : ( All of these reports are attached ) 1st XXXX Police Report 2nd XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Rewards

Complaint: I had an American Express Gold card linked to a MR ( Membership Rewards ) account. In time I also got an American Express Everyday card and linked it to the same account. The MR account had a balance of around XXXX miles. 

I subsequently closed my Gold card. That is when the nightmare with Amex started, they closed my MR account as well stealing all XXXX of my points. I had to book a few air tickets which I was hoping to book using these miles but was not able to. In the meantime I travelled to XXXX and forgot about my misery. 

I returned and had to struggle to reinstate my account. Amex offered no explanation or compensation for not having my miles available to me when I needed to redeem them. I asked for compensation which was summarily ignored. 

I however noticed another issue, as per the contract of my Amex Everyday card, I was to receive XXXX points upon using the card to make {$1000.00} in purchases during the 1st 90 days. I completed these purchases, however again my points are not awarded to me. 

The Amex Membership Rewards department chooses to ignore all my tickets, I have escalated multiple times to managers who dont call back and the issue is still ongoing 3 months after it should have been resolved. I must have XXXX tickets filed for escalation and the MR department just never calls or tries to resolve them. 

I would like for Amex to acknowledge its errors and apologise in writing for closing my MR account without warning and for not making available my points for redemption when I needed them. 

I would also like for them to reimburse me the XXXX points I am legally entitled to immediately. 

I would also like for them to compensate me for : 1. Hardship caused to me due to all their errors. 
2. Not making my points available for redemption when I needed them 3. Making me run from pillar to post to claim something which I am legally entitled to as per contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BorrowersFirst, Inc. (PA).
Issue: Problem when making payments

Complaint: I applied for a personal loan through BorrowersFirst.com back in 2015. I am now trying to payoff my loan but unable to reach by phone or email. All numbers associated with the lending company has been disconnected and no response through email. Automated debited is still taken out of my bank but BorrowersFirst name does not appear on my bank statements. I would like to resolve this matter and payoff my remaining loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: After graduation it 's was hard to find a job. Went through forbearance program. One year later, still could not find a job ; my parents told me about extending terms ( which Navient offered them for my moms graduate loans ) from ten too twenty years which would lower my payments in half and make my monthly payments possible from XXXX to around XXXX. I call them up a week before my loans are due and the tell me I have to wait too my forbearance is up to discuss payment options ( which I found weird cause my forbearance was up AFTER the due date ). BUT I did n't know Their company, Their policy. So I wait till the appropriate amount of days, told immediately because its private loans they ca n't due anything and they have to forward me to collections. Collections answers, I explain the situation and they do the quote ( rough banking statement by asking me how much I make ) and tell me I can afford to make the payments, there 's nothing you can do. I asked about the term change and immediately get denied. I let them know I work full time hourly at XXXX and they tell me if I was customer service a year ago I would have advised you not to do forbearance ( making me feel like XXXX beacause I could n't find a job a year ago ). Needless to say I get help from my father to help pay for the payment for the month that had had a penalty charge for being late. 

Ultimately I am disgraced on how little Navient informs customers on what they want, either you pay or you ca n't right away. They should tell you immediately that they do not have repayment options or income driven repayment options immediately before you sign up. Also there website is confusing as all XXXX so you do n't know what your looking at just tons and tons and tons for words that can confuse the XXXX out of XXXX year old kid and his parents that are trying to get loans for there kids. 

Hopefully this can help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: This is not duplicate complaint XXXX XXXX XXXX XXXX has multiple collection accounts on my credit report the following are two accounts that I have no knowledge of who the original creditor is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I NOTICE ON MY CREDIT REPORT  XXXX   XXXX  NEVADA ADDRESS AND I NEVER LIVED IN  XXXX   XXXX  NEVADA. I DO HAVE FAMILY IN  XXXX   XXXX  NEVADA AND A RELATIVE THAT NAME IS VERY SIMILAR TO MINE. I PROVIDED THE CREDIT BUREAUS WITH 17 YEARS OF ALABAMA  STATE ISSU ED DRIVERS LICENSE AND I SENT OVER TO CREDIT REPORTING AGENCY TO SHOW THEM THAT I HAVE BEEN IN ALABAMA ALL MY LIFE AND THIS IS NOT MY DEBT. AND THEY STILL WANT CORRECT OFF MY CREDIT REPORTS ALL  XXXX  EXPERIAN,  XXXX ,  XXXX . THERE WAS A CHAPTER  XXXX , VEHICLE, LOAN, REALTY COMPANY CHAPTER  XXXX  BANKPRUTCY   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   THESE ARE NOT MY DEBT. NEVER LIVED IN  XXXX   XXXX  NEVADA.   PLEASE ASSIST

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My ID was stolen inXX/XX/XXXX. Thought the years this person who lives in Georgia has used my name, social security number, and date of birth to change data on my three credit reporting companies and open fraudulent bank accounts to get credit cards. In XX/XX/XXXX I placed freeze codes with XXXX, XXXX, and Equifax.
In XX/XX/XXXX received a notice from Equifax that someone had changes my address to XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX  and changes the phone number to XXXX. Also he had opened an account with XXXX XXXX XXXX phone XXXX. I reported this to Equifax, XXXX XXXX, the XXXX XXXX  Police Department report # XXXX. On XX/XX/XXXX found that he had changed my address with XXXX to the Georgia address. It took me until XX/XX/XXXX to get all of data corrected. onXX/XX/XXXX he changes my address with XXXX to XXXX XXXX XXXX XXXX, XXXX, GA, XXXX phone XXXX. new police report XXXX. ON XX/XX/XXXX he changed address on Equifax to XXXX XXXX XXXX, XXXX, GA, XXXX. FTC FILE XXXX. Still trying to get Equifax to fix my credit reports to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently went to a car lot to get a auto loan. Six different companies ran my credit report one company ran it there times in two days. This all happen on XX/XX/XXXX - XX/XX/XXXX lenders Credit Union inquired on XX/XX/XXXX Ally Financial inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX ( 2nd inquire ) XXXX XXXX XXXX inquired on XX/XX/XXXX ( 3rd inquire ) XXXX inquired on XX/XX/XXXX all of these are hard inquiries on my XXXX credit report.. I made it very clear I wanted the auto loan to be financed through XXXX XXXX XXXX but I did not give permission for them to run my credit three different times

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 09-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My hardship involves a variety of factors. My hardship was triggered with job layoff several months ago. It was compounded by with me having to move from XXXX to XXXX to find new employment. 
While the factors above are indeed significant, they pale in comparison with the biggest hardship of all. Despite making mortgage payments for approximately 10 years, I have absolutely NO equity to show for it. This has been a lopsided agreement, PNC has reaped all the financial benefits and I have n't shared in any of the harvest. I 'm underwater by $ XXXX. This is based on XXXX XXXX market analysis assessment. Over the years, I have paid PNC XXXX dollars for this property with absolutely nothing to show for it. A reasonable person would call this insanity and financial suicide. If PNC were in my situation, they would find this difficult to endure. 
Through no fault of my own, I find myself in this nightmare situation. As you know, the Banking Industry, Mortgage Companies, Investment Houses, XXXX, and Rating Agencies worked in concert to cause the Housing Crisis. The product of your efforts resulted in XXXX XXXX citizens like me having nightmare mortgage situations. The US Government bailed out XXXX XXXX and the Banking Industry and for the most part left XXXX XXXX out in the cold. PNC predecessor company, XXXX XXXX XXXX XXXX XXXX XXXX, played a prominent role in this nightmare. PNC purchased my original loans from XXXX XXXX XXXX. XXXX XXXX XXXX track record for bad mortgages is well documented and resulted in Class Action Lawsuits. Minorities like me were particularly hard hit with these bogus mortgages. 
Citizens like me have suffered far too long without any help, despite our pleas to Banks, HARP and other agencies. I urge PNC to please take this opportunity to do what is right and change this course of destruction. Let 's get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: applied for refi in XXXX XXXX, with the original holder of my mortgage loan which was opened in XXXX, i submitted all requested verification on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX i was informed items submitted to underwriter and turnaround time is 7 to 10 business days and i will be recieve a status update within 5 days. however, since this notice i have been inudated with emails for the following ; 1.on XXXX/XXXX/XXXX request letter of explaination for addresses on my credit report for XXXX and XXXX, which i have n't resided at since the XXXX, a business that was registered at this addressthat is not associated with a apt . number or the apt . i lived in, explain a business that a relative used at my current address for the purpose of receiving packages securely, 2. expalin why i have a balance of {$9000.00} on equity if it was included in bankruptcy, although the debt was n't reaffirmed, 3. XXXX/XXXX/XXXX, signature not in cursive in email, resign, 4.XXXX, letter of explaination for a business credit card, 5. XXXX/XXXX/XXXX, recieved email that final info.needed was from my hr/payrollthat the asst.could n't obtain, for them to explain my les codes for temporary modified duty in amount of {$XXXX} ( which is noted as the ytd ), expalin ytd of {$XXXX}, because it does n't add up to my biwkly or monthly pay, however this amount clearly states it is my net ytd earnings as of the payperiod.however, upon receipt of my email, that employer uses the work number, there response was they verified income, but work number does n't give a breakdown of leave codes etc.so i took it upon myself to write a statement to try an expediate the closing etc. to no avail., 6. XXXX/XXXX/XXXX, letter of explaination and proof of the income received needed based on my XXXX ytd being low from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, because i was paid by workman 's comp. although they have my current check stubs showing my biwkly pay and hourly pay, 7. XXXX/XXXX/XXXX, they are now requesting a XXXX for XXXX i received in XXXX, although XXXX does n't issue a XXXX, because it is not taxable. i am at wits end, and request that an investigation can be done into this, i have been on the same job for over 20yrs, my initial loan is established with citi and i am fully familiar with the refi process to know this is not being handled correctly. i have tried to contact upper management but have yet to receive a response, i initiate a complaint with citi at there executive repsonse unit yesterday and have contacted fannie mae yesterday and waiting on a call back as of this date. any assistance in the expediating of this matter would be highly appreciated.

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 11/14/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (HI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Quiken loans have called 5 time in two days. I called and they said I would be off the list but it has not happen. All different numbers they are calling from including my area code.

Company response to consumer: Closed with explanation