milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XXXX XXXX, XXXX, I applied for the XXXX XXXX card through American Express, and was approved immediately. Two offers existed for this card that I was interested in : one was a {$100.00} statement credit that would be applied to the account if you made a purchase with XXXX ; the other was a bonus of XXXX XXXX miles if I spent {$4000.00} in the first four months of having the card. 

American Express offers a way to use a card immediately after you 've been approved, so on the day I was approved, XXXX XXXX, I booked tickets for my husband and me on the XXXX website, for the amounts of {$140.00} each ( {$280.00} total ). This spending should have triggered the {$100.00} statement credit. 

On XXXX XXXX I met the {$4000.00} minimum spend requirement to get the XXXX bonus miles. 

It is now XXXX XXXX. It has been five and a half months since I met the statement credit requirement, and it has been four months since I met the bonus mile requirement. I have not received the promised reward. Since XXXX, I have contacted American Express via phone or via online chat about 2-3x per month to ask for status updates on this issue. I am only told that American Express is aware of the issue and they are working to fix it, and " it should be resolved in a couple more days. Please be patient. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I borrowed from XXXX towards my XXXX education at a XXXX DC university. While I defaulted on my loan payments in XXXX, I reached a settlement of my debts via a separate debt collection agency in XXXX, which I fulfilled completely by XXXX XXXX, per the settlement agreement. However, the collection agency claimed I still had outstanding debt, and when I asked for them to produce evidence of said debt, they refused. Since then, a handful of rotating debt collection agencies have sequentially attempted to collect this already-settled-and-paid debt. Most recently, I have received phone calls from an agency with no written correspondence to identify the presumed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with Comerica (TX).
Issue: Account opening, closing, or management

Complaint: Comerica bank handles the Social Securities cards. A XXXX lady lost her card so we went in the bank to get a replacement. The banker there convinced her that it would be better if she got a bank card with no fees in case the card was lost again. So the bank took her last {$80.00} ( may have been {$100.00} ) to open her no fees account. What the bank failed to inform her was that the account was no fees after Social Security confirmed the switch and moved the money into her account. They later confirm after they had fee 'd her account to a - {$40.00} was that it would take SS 120 to 160 days to transfer and she would get bank fees till that date. So they took the last bit of money from a XXXX lady then fee'ed that money away till she owed them {$40.00} and they turned her into the credit companies to hurt her credit. This bank should no be handling SS accounts when they have intent to steal those customers and tricked and lied to her. This is robbery and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This complaint involves a Banana Republic card with Synchrony Bank or  GE Capital. I m ade timely payments online and paid off the remaining balance. However, beginning on  XXXX     2015, I ha ve allegedly missed payments until today. Like other customers, I made my payments online. I have never received any paper bills, electronic statements, or email confirmation of my payments. I have also never received any communications alleging that I have an outstanding balance or that my account is past due. I have had other Banana Republic and Gap cards in the past and successfully paid them off.

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX 2014, I consolidated all my federal student loans, which at the time were being serviced by Navient ( f/k/a XXXX XXXX ), under the Department of Education 's consolidation program. The loans serviced by Navient were paid in full and I began making my payments to my new servicer, XXXX. Recently, I was contacted by Navient and told that I owe them money from interest that had accrued on the loans that have been paid off since XXXX 2014. I should not owe them any money, because the loans were already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: Hi there! 
this complaint is against capital one, who has repeatedly keep misusing my personal information, my address.everytime when i login to capital one my account my address always been reported wrong XXXX, NY XXXX, Which is wrong, i contacted capitalone XXXX to resolve the issue.After changing my password so many time, i am still experiencing the same problem. My address is XXXX, NYXXXXXXXX, That 's the only address i would like to have on file. The address XXXX, ny XXXX never been my address and never been a physical address. This address could be a result of identity theft.I have tried to resolve the issue with capitalone unfortunately they could n't help me. I never missed a payment. Should be a fair treatment to all of us, equal opportunity. 
my first name is XXXX, my last name is XXXX I am XXXX years old i reside at XXXX, NY XXXX .My email address is XXXX. My cell number is XXXX, this complaint was filed by my husband XXXX, on my request. For future correspondence feel free to contact my husband at XXXX and email XXXX .we both lived at the same address.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: TAX LIEN DEBT SATISFIED. The tax dept was satisfied in XXXX  2012. Satisfied Tax liens are supposed to be removed from ALL credit reporting agencies.
Case/Docket # XXXX Date Filed XXXX XXXX, 2012 Date Reported Court XXXX County, Alabama. Status : Satsified Lien Amount {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just noticed an address listed in my personal information that I do n't recognize. It is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I lived in XXXX California prior to 2005 but I never lived in XXXX. I checked the address through XXXX and noticed that it lists XXXX residents. This may indicate that it is a board and care home, a halfway home or some similar temporary multi-resident use. I reviewed the list of residents to see if I recognized any names, which I did n't - except for my own name listed as a previous resident. Since I never lived there, I am submitting this complaint to get this address removed from my credit report, and I will contact XXXX to have them correct their information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: SOMEONE USE MY INFORMATION SOCIAL SECURITY NUMBER AND OPEN UP NUMUEROUS ACCOUNTS IN  XXXX   XXXX  WHICH I NEVER LIVED. I PROVIDED ALL MY DRIVERS LICENSE FROM  XXXX  TO  XXXX  TO SHOW WHERE I HAVE BEEN IN ALABAMA ALL MY LIFE. I AM ASKING THAT EVERYTHING PRETAINED TO  XXXX   XXXX  NEVADA BE REMOVED FROM MY CREDIT FILE.   XXXX   HAS ALREADY CORRECTED AND DELETED. TRANSUNION AND  XXXX  HAS NOT. PLEASE SEE THE FOLLOWING ACCOUNTS CHAPTER  XXXX  (  XXXX   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVA DA )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )    XXXX   XXXX    (   XXXX   XXXX  NEVADA ) I AM SEEKING THE HELP OF THE CFPB TO ASSIST ME WITH GETTING THESE ITEMS REMOVED FROM MY CREDIT REPORT FROM TRANSUNION AND   XXXX  . AND   XXXX   XXXX   FROM  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 explanation
Consumer complaint received 08/22/2016 about Debt collection (I do not know) with URS Holding, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Altran Financial aka United Recovery Systems continually calls my cell phone number looking for XXXX XXXX. This number is new to me as of XX/XX/2015. They have stated multiple times that they will remove my number from their list but I still get calls. This has been going on for 6+ months.

Company response to consumer: Closed
Consumer complaint received 03-06-2018 about Debt collection (I do not know) with Phoenix Financial Services LLC (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On Tuesday XX/XX/2018, I received recurring harassment calls from Phoenix Financial. This collection agency called me four times back to back that morning initially just calling and suddenly hanging up before I could answer. When I attempted to call back I spoke with a rep who failed to provide her name ; stated that I had reached a company called Phoenix Financial and they were trying to reach a woman named " XXXX ''. I explained that they had called the wrong number at which point the rep advised that she would remove my number and then she abruptly hung up. After that initial call I received a total of five more calls from this same number. I was at work and I unable to answer or leave my desk. Shortly after I called the company back and demanded to speak with a supervisor ; a man who refused to provide his name was very rude and indicated that he refused to help me because I would not provide my name and ssn # information. I explained that I did not want to provide that info because I didn't have any business with their company and I had already advised previous rep that they were calling the wrong number. At this point the man hung up. I called back and spoke with someone named XXXX said that he was a supervisor stated that he would not help me because I was recording the call for evidence to support my complaint against them at which point this " supervisor '' hung up on me again. I called back a third time and spoke to some named XXXX XXXX who advised me that he was in fact the floor supervisor and not the gentlemen " XXXX '' that I had spoken to before. I told him that I was being harassed by his company and nearly 9 calls had come to my phone just within the last couple of hours. At this point XXXX XXXX acted as though he didn't know what I was talking about ; says that they were not in fact looking for someone for " XXXX '' now he was referring to someone name " XXXX ''. I explained that I didn't know either of these people and prev rep had already been advised that it was a wrong number at this point I felt that the entire situation was a scam because a lot of mixed information was being provided not only regarding who they were looking to speak with but also how/why my phone number continues to be called. XXXX XXXX chose to argue the fact of the recurring calls ; I explained that I know the law behind fair debt collection practices ; FDCPA and HIPPA. The gentlemen did not assure me that my telephone number would be removed nor did he apologize for the harassment. I advised that I would be filling a complaint and ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I consistently have to dispute accounts with Experian. I can not do online disputes because the system generates questions that have nothing to do with me, my identity nor my credit report. I 've gotten asked twice to verify a mortgage account that is n't even on my credit report nor did I have XXXX opened in XXXX. When I call all I get is transferred constantly. Today is XXXX/XXXX/XXXX I 've been on the phone for over 30 minutes, transferred twice. I ca n't get a fraud alert placed on my account. I ca n't seem to do anything but, they keep placing false information on my credit report. I 'm tired of having random things put on my credit report by Experian. I am not having this issue with any company other than Experian. And I pay for a membership with them through 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 explanation
Consumer complaint received 12/14/2015 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Other fee

Complaint: I have a Target Credit Card issued by TD bank. In XXXX XXXX 2015 the bank put a charge on my account - {$25.00} returned payment fee. I called to the bank 's customer service and explained that I believed that the fee was a result of the bank 's computer system error : in the previous month, XXXX, I logged into my account online and change the information for the payment account for my Target Credit card. The system informed me that the changes would take place starting the next month - XXXX. However, The next month the changes were not applied and the payment on my Target credit card was drawn from the old, incorrect account. That 's why the return payment happened. I explained that to the Bank 's customer service agents and requested a refund of {$25.00} fee. The first agent sounded incompetent - I requested to connect me with her supervisor. At first the agent refused saying that her supervisor had all the same information and could not help me better. After I insisted she put me on hold and I waited for about XXXX min, with no result. Finally I hang up and dialed TD bank 's customer service again. The next agent was more cooperative and transferred me to the supervisor sooner. The male supervisor spoke to me rather arrogant and said that the bank would not refund the fee. The whole communication with TD bank was just a hassle. And I still understand that the fee was charged unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CO).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: On XXXX XXXX 2017, there was a hail storm in Colorado, on this day my car was damaged. It took a substantial amount of time for the insurance company to determine the damage. I was late on payments but never fell more than 2 weeks behind, never hitting the 30 day mark. 

On XXXX XXXX, 2017 my insurance company mailed a check in the amount of {$6400.00}.??, on the same day Wells Fargo removed my XXXX and XXXX payments both for {$340.00}, they submitted to my Gap insurance company and then put the payments back on the account. 

My understanding was the Insurance check was only meant to pay the principal off, not the interest, I could be wrong. 

On XXXX the XXXX I requested that Wells Fargo make an adjustment for the account as myself and my insurance agent had to make numerous calls to get this in motion. Given conflicting information on all phone calls. 

On XXXX the XXXX I spoke with XXXX, she stated that I could make a settlement payment of {$2500.00} and it would reflect on my credit and I would receive a 1099C for the additional. 

On XXXX the XXXX my mother in law called in to make the payment of {$2500.00}, she advised it was through an equity account, they took the payment. 

On XXXX XXXX, I called to verify the funds were received and wanted information on the title. Wells Fargo was unable to provide the information as they stated the amount was not approved, I was transfered from the office of the president to the XXXX back to office of the president. I informed that this matter needed to be resolved by XXXX. 

On XXXX XXXX, XXXX XXXX called, stated that the amount had not been approved because I would be over paying, XXXX still considered a settlement though ) I offered to not take a refund for the {$410.00} and just put that toward the car if it would lower the amount to be paid in full. XXXX hours later the payment was reversed in the account and shows a past due balance again. I called and spoke with XXXX in Wells Fargo Dealer Services ( collections ) she stated there was no manager in collections and that I could talk to the OTP. She stated since the funds were returned I could only make certified funds payment, I advised this was not my problem as we told them in the begining it was a home equity account and they took the payment. I spoke with XXXX in the OTP Case # XXXX she assigned it to XXXX : XXXX My car is up for repo on the XXXX if the payment is not received, I work and will be going out of town for a week.

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 06/22/2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Problems caused by my funds being low

Complaint: Hello, I 've been banking with Fifth Third for most of my adult life. It 's been a tumultuous relationship at best, but I 've always stayed because I had automatic deposits and withdrawals setup. On Saturday, I made a deposit to my checking account via a check that I had received. I very rarely deal with checks anymore because so many things have become automated and/or done on the internet. The check was from XXXX refunding me fees erroneously collected when I had my mortgage setup on the equity accelerator program. The deposit ticket clearly stated the funds would post to my account on XXXX. According to the transaction history in my bank account the funds did clear and post on the XXXX. Today when I went to check my balance I noticed an overdraft fee for {$74.00} dated XXXX which was causing my account to have a negative balance. I immediately called 5/3rd and spoke to a bank teller named XXXX who became exasperated with me and transferred me to XXXX the bank manager. He blamed the problem on me and intimated that I should have known better since I went to the bank on a Saturday. Most banks do n't have full hours like 5/3rd does on weekends. They wo n't refund the fee and they ca n't explain why my transactional history does n't jive with what they are telling me verbally. I 'm very upset. 5/3rd has continuously made money from fees by pyramiding or assessing overdraft charges when I 've had money in my account pending or otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/30/2017 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: Equifax was responsible for protecting my data and failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive submitted my police reports my fraud affidavits all the proof needed and the credit agencies keep coming back saying the information has been validated and thats impossible because I did not authorize any such transaction some one has taken and assumed my identity and its nothing i can do so Ive come to cfpb to get some help removing these forclosure and tax leins that dont belong to me according to 609A these items should be blocked from 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 non-monetary relief
Consumer complaint received 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TekCollect Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i recently checked my credit report and noticed that this company has reported that I owe them a debt but to my knowledge I have never receive any notification that I owe this company. I have never entered into a contract with this company and neither have they provided me with any service or goods

Company response to consumer: Closed with explanation