milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: In XXXX I open a card with American express. it was a simple card with no rewards or annul fee. a few months later I learned they now imposed an annual fee so I closed it. 
In XXXX XXXX Three and a half years later, I received an offer from Am Ex about a card with {$250.00} incentive if I spend {$1000.00} in the first 3 months. the card did not make any reference to my old card in XXXX. 
Having vague memory of what happend a few years earlier, and not knowing any association between this new card and the old one. I signed up and began to use it over my other cards which also offered great rewards I did not think anything fishy as they are supposed to be a reputable company. 

In XXXX, I called to make a payment the agent confirmed I have " until XXXX XXXX '' to fulfill {$1000.00} and I would get the incentive. 
In XXXX XXXX. I called to make a payment the agent also reiterated the above. 
In XXXX however, they told me I would not because I had the acct 3 and a half years earlier. 

They refused to answer my questions : the old card was a different card with no incentives and no fee ( when I signed up ) They knew of this old card all along -- that was how they got my address and SS to offer me the promote in summer XXXX. 
they did not mention anything about the old card in their offer. 
They did not inform me policy change. 
in fact, the XXXX agents mentioned above confirmed I would get incentive. 

They waited until I fulfilled the requirement in XXXX to inform me I would not qualify for the incentive. 
Had they told me earlier, that having a card almost 4 years earlier would disqualify the incentive, I would have close card and would get my annual fee back and I would use other cards and receive great rewards. Infact, I would not have opened it to begin with. 

They failed to honor their word. 

I am very concerned American Express have been using deceptive tactics to allure customers. 
In XXXX it was annual fee which they imposed after I opened. They are doing it again. 
This time they refuse to honor incentive agreement by using the excuse hat I had a card before, something they knew when they sent me the promotion offer, and in fact all along. 
Of the XXXX cards, I spent {$2500.00} plus a {$95.00} fee ( for the new card. ) They made some money off my cards, they also need to honor agreements. 
They need to conduct business with integrity and respect. 
policy should be open, transparent and consistent ; should policy change, they need to notify me. 
They are operating an unfair and unethetical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On my credit report it states that I have a magistrate court judgment in XXXX XXXX that is scheduled to continue on record until XX/XX/XXXX. I settled my civil claim on the XX/XX/XXXX. I have endured hardship from this being relevant on my credit report. I have unsuccessful to receive apartments, jobs, and finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account is closed on XXXX 2008 but on my credit report still show a late payment. the account is closed more than 7 years. please removed this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (I do not know) with Ray Klein, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.

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 02/18/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Volations of fcra reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VT).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Enhaned Recovery called my house repeatedly outside the hours of XXXX. Additionally, although credit collection agencies have the ability to remove collections accounts from credit reports, they refused to removed our very small, PAID debt of {$120.00} ( accidentally overlooked as we moved ) and claimed that the FTC requires them to accurately report the account ( which they did, it is marked as paid ) however they outright refuse to remove this tiny colelctions debt from our credit report and they refuse to let me speak to anyone other than their " Operations Manager. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2018 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services 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: I spotted the account from Ad Astra on my credit profile and submitted multiple disputes based on incorrect information. 

They wrote me back and told me they had talked to their client and confirmed the information, but they have not provided me paperwork with my signature or confirmed the proper dates. The information is still incorrect and they have made no gestures towards fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Rewards

Complaint: Good day! 
XX/XX/XXXX/XX/XX/XXXX, I called Barclays Aviator Card to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for 6 consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XX/XX/XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.

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 12-12-2017 about Mortgage (VA mortgage) with LoanCare, LLC (AE).
Issue: Trouble during payment process

Complaint: I paid off my mortgage in full. Then Loancare, A XXXX Company auto drafted me by another payment. They gave me a hard time about wiring money me my money. I am a XXXX who is forward XXXX to XXXX without his family. There was no way for them to quickly mail me my money. They resisted sending me my money and had me on hold for an hour. I eventually had to give them my bank records to show that they are wiring me my money, and they agreed that within 48 hours they will send me my money. They have n't sent me my money ; it 's XXXX ; and the took food and presents from my kids who I do n't get to see. Can you help me?

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 07/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have private students loans with Navient that are now in default. Over the last few years I have experienced financial hardship. In addition to this, I have tried numerous times to arrange and lower my payments with this company. Instead, I have received threats over the phone, with representatives saying that I will be taken to court, have my wages garnished, and that I am irresponsible. Whenever I call to try to come up with an arrangement these are the responses that I receive. I have grown frustrated and tired of these threats and the inability to work out a plan. I have told numerous representatives what I can pay at this time, but they are still not willing to work with me. I have received numerous calls from other states on a daily basis from New Jersey, XXXX DC, Indiana, Florida, and Texas. It has been a nightmare dealing with this company, and have told family and friends to stay away from this company. I would like to have some type of resolution to this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I have a medical bill that is reported by XXXX separate collection agencies which are the same bill. I believe XXXX of those should be removed. It is for the amount of {$750.00} and is reported on both XXXX & Transunion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My name is XXXX XXXX XXXX I bought a car from XXXX in XX/XX/2015 got the loan from santender. The first week I had the car the check engine light came on so the car went into the shop so every month I had the car it was in the shop until the engine final gave out and they didn't want to pay {$7000.00} for a mother so they sold it and left me with the remaining balance. Since then my life has been a living XXXX I'm homeless living in a tent outside with my son I can't get a place because my credit is bad I can't get a job nothing

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Payday loan, title loan, or personal loan (Title loan) with LENDMARK FINANCIAL SERVICES (KY).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: This company is reporting a title loan to my credit report. This was my ex husbands car and loan and it is named as his in our divorce decree. Yet this company continues to report this to the 3 credit bureaus as if I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Complaint about Navient. After finishing my PhD in XXXX, I entered repayment of my federal student loans this fall. Since I entered repayment, Navient has been unable to tell me how much my monthly payment are from month to month. Moreover, their online system changes the amount I owe day to day. It has also been incredibly difficult to sign up for autopay. Their customer service representatives are entirely uninformed. My payment is due on the XXXX of the month. Because the amount fluctuates on their online system, I have taken to log-ing in on the XXXX to see what I owe in the hopes that since it 's the due date, it will give me the correct amount. However, for the past several months, I have paid, on-time, the amount the system says I owe, only to receive an email the next day saying that I missed a portion of my payment. But if the system ca n't even tell me what I owe and how to pay it, then how can I miss a payment? I have spoke to a representative every single month. They tell me they have it sorted out and tell me what to do the following month. But when I do what they say, is still is n't right! I still have no idea what I owe and how to pay it! And when I pay what I think I owe, based on what their online system says, the next day I find out it was wrong and that the system says I have a past due amount and that I 'm a delinquent repayer!!!! I am just so frustrated. I am doing my best to pay my loans back on-time. I have a job, a good income, and a PhD. I can pay my monthly loan payment -- I just need to know what it is and know how to pay it on Navient 's terrible terrible website. If I ca n't sort it out, then I can only imagine that other folks are having an even harder time. Please do something about Navient. Before the restructuring of the student loan industry, I used to pay my loans to XXXX XXXX? In any case, the system they used then was more straightforward. I never had the problems I am having now -- which also includes an inability to change my repayment plan. It wo n't let me select the plan I want, but rather ushers me into specific options. Despite doing my absolute best to pay my loans on time, every month, Navient seems structurally organized to confuse and disorder the payback process. Either from ignorance or from willful dishonest practices, they have acted in ways that make me concerned about their ability to handle my federal student loan and that make me worried that they are intentionally trying to mess up my payments so that they appear late each month.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit card () with Army and Air Force Exchange Service (FL).
Issue: Other

Complaint: Dear Sir or Ma'am, I am writing to dispute a Military Star card account that is not mine ( account # XXXX ). I do not even know the full account number because this is not my account ( no statements and they will not tell me the full account number because it is not my account ). I once had a Military Star account that was paid in full and closed XX/XX/XXXX while I still lived in XXXX, but it was a XXXX account with a {$500.00} limit ( meaning it could only be used at a Military Clothing & Sales store ). I did not re-open this account, nor do I even receive statements since someone has apparently re-opened it. I lived at my previous address for 5 1/2 years until XX/XX/XXXX and my current address ever since then without ever being contacted. I have repeatedly sent corrections directly to XXXX, XXXX, and XXXX disputing this information, which they forwarded to Military Star without resolution. I also sent letters to Military Star, with XX/XX/XXXX being the most recent. 
My wife, XXXX XXXX, has also been in regular phone contact with Military Star regarding the continued reporting of this account on my credit report, the repeated negative reports, and the occasional deductions from my pay ( that we then have to work with you for reimbursement ). Military Star 's representatives tell us on the phone every time she calls to complain about this false account that it should be off of my credit report in the next month because they can see in their system that it is not mine, yet it continues to be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MS).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In XXXX of 2017 I received a Kroger credit card from US Bank that was suppose to provide a XXXX XXXX fuel credit once you use XXXX fuel points for the 1st year. After my 1st statement I noticed I was not receiving this reward after using XXXX fuel points many times. So I contacted the bank and they indicated I did not have this reward associated with my card. So I sent them all the information and the bank sent me a response on XX/XX/XXXX indicating my account would receive the described fuel discount for the 12 months from the date of account opening. I noticed I still did not receive the credit and asked the store - they told me to contact the bank. I contacted Kroger again and the bank again and the bank said I did not get this reward AGAIN. Kroger just emailed me and indicated I have to put in a number on the back of the card - WHICH IS NOT IN WRITING ANYWHERE. So needless to say I did not get this benefit for 5 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying on my student loan since I graduated from college in 2008. The company never made any payment going towards my principle. They keep recommending forbearance and unstructured repayment plans. To this day the balance has never changed from the original loan well over nine years ago. Please help! I hope the attorneys win their lawsuit against XXXX XXXX now called Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Rewards

Complaint: Bank of America sent me a credit card offer in the mail, offering XXXX XXXX miles as a credit card sign up bonus. I applied for and was approved for the card, made the minimum spend, and was told I would only get XXXX miles, as I was not approved for the offer they solicited, but got a lesser account. I called and was told that this was in the fine print, as my credit was not good enough. My credit score was XXXX at the time I applied, which means that my credit was excellent, and in the upper half of all applicants. This is a bait and switch. I called BoA to ask them to credit me the full miles as promised, and they refused, saying it was in fine print on the XXXX paragraph on page XXXX of the offer. Nowhere on the main offer do they suggest that this offer is only for the top 20 % of applicants. This is dishonest and deceptive marketing.

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 11-03-2016 about Credit card () with Alliance Data Card Services (NY).
Issue: Delinquent account

Complaint: On XX/XX/XXXX, I received a phone call while in XXXX that my XXXX bill had not been paid. I had attempted to pay this online at the airport, but due to a spotty connection, it did n't go through. Having never missed a credit card payment in my life ( XXXX or otherwise ), I immediately gave them my partner 's XXXX account info ( he gave his permission to Comenity on the phone ), as I did not have my account info on hand. My late fee and payment were immediately marked as credited. 

Apparently, on XX/XX/XXXX, without my knowledge, the payment was returned. Comenity made no effort to contact me regarding the returned payment. Evidently, when speaking on the phone, the Comenity representative, who was having a hard time hearing me, missed a " XXXX '' in my account number ( there were XXXX XXXX next to each other ). Despite Comenity 's repeated assurance -- as recorded on the phone call -- that this issue would not be reported to the credit bureaus and as such would not affect my credit score, I noticed my credit score plummet over XXXX points a month later. On XX/XX/XXXX, as soon as I received my statement, I formally filed a dispute with Comenity, who said they would open an investigation to look into the matter. On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating only that " the Pay by Phone was processed properly '' and that my credit history would not be corrected. Later that day, I spoke on the phone with supervisor XXXX, who told me that unless I seek legal action, I can not receive detailed access to XXXX dispute team 's findings. 

Comenity 's misleading communication and lack of transparency appears to be an attempt at closing off avenues of recourse besides costly legal action in order to discourage further pursuit of my case. By refusing to share the recorded phone call or any of their notes from the investigation, it is impossible to confirm the veracity of their findings. 

I have never, ever, missed a credit card payment before, and am beside myself that a simple transcription error could jeopardize my credit score for the next 7 years.

Company response to consumer: Closed with explanation