milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XXXX, was offered a XXXX point offer on the American Express site as a pop-up for a Platinum card after internet search. Pop-up advised against navigating away from the page. When I applied, I was prompted to log-in due to an existing Corporate card log-in profile. When I logged in, the offer dropped to XXXX points upon log-in. I chatted with Amex online and spoke to AMEX Customer Service and Apply who indicated a potential issue, but had no way to know if I was targeted for the offer, had no way to retrieve and told me to clear my browser cache and apply again. Applied again and got the XXXX point offer via my corporate card login. Applied and my application was put into pending status. Called Amex - application was missing a country code of US despite having NY address on file. Received approval via phone and email. Advised card would arrive within 24-72 hours. Week later and 4-5 hours of calls with Amex ( on 4 days ) I have no card, no card card number, and lower possible rewards. Apparently technical glitch kept card number from generating. Asked to speak to managers multiple times and was sent to voicemails or people hung up. Getting charged {$600.00} card fee anyway. Unfair business practices - lowering offers and manipulating availability.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just checked my credit and have a collection attempt showing up this month from a company called Midwest Recovery Systems claiming to be collecting on behalf of XXXX XXXX XXXX. I 've found this to be a Pay Day Loan service. I have never in my life obtained a Pay Day Loan, from XXXX XXXX or any other Pay Day Loan company. I 've emailed them saying the debt is n't mine and that it is fraudulant, but in looking online, it seems I am just one of many consumers being impacted and targeted by these XXXX companies. I also would like to add that I 've never been contacted by this company in any way prior to them showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: When I obtained my mortg age with Charter t hey ( without my express approval ) opened a " free '' checking account in my name. They later unilaterally transferred my mortgage and checking account to their affilia te Citizens B ank and started charging undisclosed monthly fees since the date of the transfer. They never informed me of any new fees associated with their decision, sent me notices of their debits from my account, or offered my the opportunity to close the account. I received a notice on   XXXX   XXXX   XXXX    , notifying me that they had withdrawn all funds in the account and that I now had a negative balance and needed to transfer funds to  Citizens Bank.   <P/> To be clear, I never wante d an account with Citizens Bank, I did not want an account with Charter Bank, and never consented to me being  charged fees.  <P/> Per  Citizens, while they agree that they did waive all " monthly maintenance fees '' the fees charged to my account were a separ ate category of charges called a " dormant account fee. '' Citizens was unable to provide the total amount withdrawn from my account without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I called into Wells Fargo about having my PMI removed from my home loan. I knew we bought the house for 75 % cents on the dollar and believed an appraisal would easily remove the mortgage insurance. I spoke to someone over the phone before ordering my appraisal and they said didn't say it was mandatory to have " improvements '' to remove the mortgage insurance. 

I order the appraisal on XX/XX/XXXX needing to hit a value of XXXX and received a value of XXXX on the XX/XX/XXXX. But wells fargo is rejecting my request saying because no improvements were made, they will not remove PMI. They are referencing a letter i received saying that Improvements must equal the difference. So two things, one i was told differently on the phone and two it doesnt say improvements are mandatory. Where we currently stand is i have a loan with Wells Fargo that is showing 78 % loan to value, with appraisal company of XXXX XXXX choice, but Wells Fargo won't remove Mortgage insurance because of i didnt build an improvement.

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 07/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Please read my attached hardship letter for more clarity and details. 
Original Balance : {$27000.00} Disbursement Date : XXXX/XXXX/2004 Balance after capitalization post default was over $ XXXX. 
Current balance 11 years later : {$34000.00} Rate : 9.5 % = Predatory Loan

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: TD BANK USA/TARGET CREDIT sh ow me being late on payment s 180+ day s from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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: After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau has not satisfied it obligation to provide the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Customer service / Customer relations

Complaint: Capital One does not want to provide information regarding my account. I understand they could not provide the info due to a recent identity theft that happened to me. They are requesting for me to provide documentation to prove my identity. I provided documentation but Capital One is saying the documents does not match the address they have on file for me. The address they have for me is " XXXX XXXX, CA '' which is for a closed account I had with them before. I applied for a new credit card last year with capital one using my XXXX XXXX address. I have called them numerous times and will not help me until I provide documentation with my " XXXX XXXX, CA '' address. I have not lived in XXXX XXXX for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (PA).
Issue: Application, originator, mortgage broker

Complaint: I applied to Sebonic Financial to refinance the house that I live in. They suggest I refinance my investment property as well. They said the reason for this suggestion was because it would allow me to get a cheaper interest rate rather than refinance with a jumbo mortgage. They immediately as me to pay for XXXX appraisals, which totaled approx. {$1300.00}. They asked me to send them a lot of paperwork and I did. Many times when I submitted the paperwork, they would tell me several weeks later that they never got it. Then they told me that too much time had passed and they would not be able to give me the promised lower interest rate. Finally, they told me to show that I had at least {$20000.00} available to me and it would need to show up in my bank statements in order to constitute the proof they needed. I immediately took {$20000.00} out of my home safe and deposited it into my checking account. Later, maybe three weeks later, they told me that the money would need to be seasoned or vested for three to six months. Finally, after 98 days had passed from the day that I started the loan process they told me that they could not make the loan because they could not trace the deposited funds to any acceptable source. I explained over and over again that XXXX of my commercial buildings that I own happens to be legally licensed as a rooming house and it is an all cash business. I fully explained that I chose not to go to the bank on a daily basis. I further explained that this money was accumulated over a long length of time. I made it very clear that all of this money had been clearly stated on my tax returns, of which they had copies. I suggested they do the math as shown on my personal tax return and see that the amount of income that I reported on my personal tax return was the exact amount show on my XXXX XXXX return. They said that was not the problem. They then declined the loan after 98 days had passed. I immediately asked for my appraisal money back, to no avail ... I COULD NOT FIND A COMPANY IN EXISTENCE CALLED SEBONIC FINANCIAL. If they exist, they do not have a license. I think they are owned by Cardinal Financial. They have completely rejected my request for the CEO 's name and or mailing address. One word perfectly describes them, ..ENCOMPETANT.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Breached my data and is requiring me to wait until X/XX/17 over a week, before providing any attempt at resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: i opened this card with cap one in XXXX with a offer mail to me for 0 % interest till XXXX XXXX, as i am trying to re build my credit after my ex trashed it i thought this was a good idea. as of today i have a XXXX balance, i was mailed another offer a few weeks ago for another card for 0 % for 8 months so i applied for that thinking i can move my balance to that card and give me longer to pay on my balance on the account, all my payments have been made on time and in full non have been missed. after i applied, i was told i cant pay one card off with another card from the same company and the offer does not say that, in the mean time i closed the open card with the balance and it tanked my account 85 point on my credit because the offer was misleading and deceptive to get people to apply for this card, i had called multiple times in XXXX and prior to XXXX/XXXX/XXXX to obtain what my new rate was after the promotion and no one could tell me nor could they offer me another promotion until after this one ended on XXXX/XXXX/XXXX. today i get my statement with a late fee for XXXX because my payment that was made on XXXX/XXXX/XXXX which is my due date did not credit cap ones system until XXXX/XXXX/XXXX the same thing as last month and they had no issue waiving it then since i made it the day it was due but the system had not applied it till the next day. its not like i paid 5-8 days later it was the due date. today the rep i got refused to escalate my cal said his manager only deals with administrative issues and not customer calls, its so ridiculous that they charge this after one day, every other bank has a 5-10 day grace period and they wont budge on one day, he refused to remove my fee and said my rate is what it is and i knew about it when i got the card in XXXX, no my rate was 0 and now its 23.99 % i have NEVER IN MY LIFE paid more than 6 % and had i been told about that rate then i would never have applied for that card. i feel since i was a woman and white i am being discriminated against by the rep i spoke to today his name was XXXX id number XXXX, he would n't give me the reps name i spoke to prior to the transfer only her id number XXXX. i do not think should have to pay this insane rate on my account nor should i have the late fee on it.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with DISCOVER BANK (CA).
Issue: Billing disputes

Complaint: MY NAME IS XXXX XXXX AND I AM A VICTIM OF INSURANCE FRAUD AND A VICTIM TO LYING CREDIT CARD COMPANIES. I HAD AUTHORIZED A CHARGE ON MY DISCOVER ACCOUNT FROM AN INSURANCE COMPANY CALLED XXXX. IT WAS XXXX SEPARATE CHARGES TOTAL {$2900.00}. IT WAS A BUSINESS INSURANCE FOR XXXX ADJACENT LOCATIONS. I AUTHORIZED THE CHARGE. MONTHS LATER WHEN WE HAD SITUATIONS COME UP THAT THE INSURANCE COVERAGE WAS NEEDED I FOUND OUT THAT WE WERE TOLD A BOGUS INSURANCE AND I CALLED DISCOVER CARD AND FILIED A DISPUTE FOR THE CHARGES OF THAT POLICY. I SUBMITTED EVERYTHING ONLINE TO EXPEDITE THE PROCESS I ALSO UPLOADED ALL THE DOCUMENTS FROM THE INSURANCE WHAT THEY SOLD AND HOW THEY LIED TO US. ALL XXXX DIFFERENT LOCATIONS WAS DENIED AT DIFFERENT INSTANCES. DISCOVER CARD DRAGGED ON THE INVESTIGATION FOR MONTHS ALMOST A YEAR, CLOSED MY ACCOUNT AND CLAIMED THEY WILL NOT REVERSE THE CHARGE. I EXPLAINED IT WAS SERVICES I PAID AND IT WAS NOT RENDERED. THE INSURANCE POLICY SOLD TO ME WAS A FRAUD. FOR MONTHS AND MONTHS ALMOST A YEAR I WENT THROUGH AN AGONIZING PROCESS. I GOT STUCK WITH THE DEBT AND INTEREST AND PENALTIES AND MORE. PLEASE HELP ME CLEAR UP THE MATTER I NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Using CFPB I sent a letter for the company to validate debt in my name on XXXX XXXX,2017. I asked for company verifying information and information that show I have to do business with the company. They only sent statements and information that they purchase debt in my name. That does not show I am obligated to do business with them. They are also reporting negative information on my credit report, without giving me the opportunity to dispute. I do n't know if I am suppose to to pay the dept and they are already putting negative information on me without setting the dispute first.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (Payday loan) with Bronstein & Weiss Arbitration (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Receiving threats from Bronstein and Weiss Arbitration to sue and collection attempts on a pay day loan that was included in a 2013 Chapter XXXX Bankruptcy. Also threatening to contact the courts and my employer.

Company response to consumer: Untimely response
Consumer complaint received 01/24/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: First off, thank you for your prompt attention to complaints.I 'm in the midst of a potential foreclosure, that i 'm trying to avoid.I 've requested a deed of lieu but was told I had to do a short sale.But any offers for my house were turned down by Bank of America, which leads me to believe they are deliberately trying to XXXX me.I 've tried calling the one number & it does'nt go through.The other number I 've used, I get no response from the csm.The house is scheduled for sheriff 's sale on XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Debt collection (Medical) with Complete Collection Services Inc. (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Never received a phone call or letter regarding the payment needed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Debt collection (Medical) with Credit Service Company, INC (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello, On XXXX/XXXX/2015 I filed a complaint with " CSC '' through the CFPB portal ( # XXXX ) CSC stated they would continue to report account number XXXX and that I needed to contact the original creditor regarding this matter, I sent a letter to XXXX XXXX, XXXX XXXX XXXX. XXXX. on XXXX XXXX 2015 regarding this matter ( attached ) with no response. I want this account removed from my credit record as this original creditor can not /will not provide me with any validation/verification.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For many years i have been contacted major credit bureaus and creditors to advised them regarding accounts that are not mine and open in conjunction of identity theft claim # : XXXX ; have submitted creditors and all three agencies with ID Theft Affavaid, police reports and consumer statements both via phone, online and in writing. The accounts opened in result of ID Theft are : XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and some accounts have resulted in collection accounts due to non payment which are XXXX XXXX XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX, and XXXX XXXX XXXX.

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 10/27/2015 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been repeatedly called by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ) and threatened with legal action regarding a debt. 

I have contacted the company several times and asked for the information regarding the debt. They claim that the debt is from " XXXX XXXX '' which was later acquired by HSBC. 

They claim that the account was opened on XXXX XXXX, 2009 and charged off in XXXX of 2009 with a balance of {$780.00}. They can not or will not answer what kind of account it was or what the charges to the account were. 

They have promised to send legal information to my address numerous times. I have verified my address with them and called to see when they are going to finally send the paperwork. 

It is obvious that they are a last-ditch debt collection agency and when I confront them about it they either hang up, become argumentative or use profanity and abusive language. 

Any requests for basic information, such as an address, are met with questions, lies and more profanity or abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Tried to obtain my free annual credit report using AnnualCreditReport.com ( ACR ) but Equifax keeps denying access to the report and instead redirects me to a page where I have to buy the report. Also, the ACR website will not allow me to submit a complaint about the problems with Equifax.

Company response to consumer: Closed with explanation