milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On  XXXX   XXXX ,    2017  American Express Centurion Bank a nd American Express Serve  fraudulently filed a chargeback dispute in my name, WITHOUT my permission, for a transaction (  XXXX   XXXX ,  2017  ) that I authorized OVER 90 Days ago. They filed the dispute with  XXXX  stating, in my name, stating that I did not recognize the transaction which is an absolute lie as I signed my name to it. Also there is a statue of limitations and the transactions that they are disputing in my name took place more than 3 months ago. They refuse to cancel the dispute that I did NOT authorize nor file.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Focus Receivables placed a collection account from XXXX in my credit file. I was never contacted by them by phone or mail and had no know of this account. I have lived at my current address for over 10 years and have not had an account with XXXX. To make matters worse, they the high balance showing at {$110.00} and a total balance of {$530.00}. A little confusing. But nevertheless, I do not owe this bill or XXXX for I never had service with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: For nearing a year of attempting to access and dispute my credit file, I have been denied. Denied access to view, get a copy of, access, dispute and maintain my credit file. In the process of amicable resolution, on my part, I have endured, discrimination, ignorance, immaturity and attacking threatening behavior.
Moreover, I have disputed account information as inaccurate and Transunion has come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Please explain how validity or verification can be conducted?
The FCRA requires CRA 's to verify the validity of the item within 30 days. If the validity can not be verified, CRA 's are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Transunion to remove this item before I am forced to take legal action.
I am disgusted by the level of professionalism I have been shown.

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 04/27/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problem with additional add-on products or services

Complaint: XX/XX/XXXX received a personal loan from huntington bank and the loan manager offered me a life protection insurance to protect us if one of us was killed. He asked if I had any diseases and told him had XXXX XXXX and he then gave me the insurance protection for my life for duration of loan as part of the loan. we thought we had life insurance coverage for the loan of XXXX as part of loan. on record date XX/XX/XXXX was sent a notice from huntington with another offer for life insurance/XXXX to cover the loan amount of XXXX we called the loan manager and was told we had the life insurance coverage and no need to complete unless we wanted XXXX insurance as both life insurances would not pay for the loan but each 1/2 if should die. unfortunately end XX/XX/XXXX my husband passed as a result of a XXXX XXXX and an extended delay from XXXX XXXX XXXX. asked for the process of the claim and was told they would not honor the claim as we had misrepresented my husbands health condition 2 years prior to us applying for loan and offered the life coverage. we had not done so. my husband did have XXXX XXXX and we revealed this to loan manager. applied for loan to be covered by the insurance on XX/XX/XXXX case # XXXX now called XXXX XXXX life claim. on XX/XX/XXXX they sent out a denial stating that he was not eligible for the protection when he applied although we had paid almost 3 years in premiums. the denial was because we signed a form saying my husband had none of the following in past 2 years. " during the past 2 years have you been treated for, or been told you have a XXXX XXXX or XXXX XXXX ; XXXX or XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX or XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( XXXX ) or XXXX related XXXX XXXX XXXX XXXX ( XXXX )? '' as his spouse and do believe his physicians would have answered this question as no on XX/XX/XXXX if it had been read to us which it was n't. he had XXXX in XX/XX/XXXX and had a XXXX shut down at time and few follow-up appointments for awhile to make sure no problems and the functions improved and he had no XXXX problems. he had some XXXX problems and they state dr. coded as XXXX but he received no treatment for XXXX before entering XXXX as result of XXXX XXXX and all XXXX XXXX XXXX XXXX for the injury. the plan analyst was contacted to try and resolve this as my husbands death was result of an accident not disease but they stated di n't matter as he was not eligible for the coverage. the plan say that this is not an insurance product as was filing with insurance department and the plan analyst sort of taunted there was no regulation of this product. this appears to me as a way for the bank to make money off customers with no payout. feel this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Other fee

Complaint: Hello Team, I purchased airline tickets with XXXX worth {$3000.00} using my bank of america cash rewards card on XXXX. It attracted foreign transaction fee of {$91.00}. 
On XXXX the transaction was cancelled by airline. I spoke to BoA associate on XXXX asking about why transaction fee was applied and if this will be reversed if the transaction is cancelled. He said yes these fee will be reversed. 
When i see the account ledger today I see the base amount of {$3000.00} is reversed but not the fee. I again spoke to associate today and she said they can not reverse the same. 
I dont understand if the service itself is not utilized why there is a fee. 




Thanks, 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 monetary relief
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: From my understanding, my capital one 360 account was suppose to be closed in XXXX 2017. Since then I had logged into my account and it had shown a negative balance of {$990.00}. When I contacted the bank about the issue they put me on hole for an hour and a half then told me they would have someone contact me about the issue. That was 3 months ago. I 've tried contacting them since then and still have n't heard anything. Just out of curiosity, I logged into the account today just to see if they 've even attempted to fix the issue but it now shows a negative balance of {$2900.00}. There is no way the account could be negative because I had cancelled the debit card for the account and they sent me another one which I still have not activated. When I log in, the transaction does n't even show up on the latest transaction. I refuse to pay that amount if the bank can not even contact me about the issue. I 've made phone calls, emails and even attempted contacting them through the website and still nothing. But somehow they manage to blow my phone and email up attempting to get me to activate the new debit card. I refuse to activate it because that 's just going to add another small fee onto the account that was suppose to have been closed months ago. The account still had {$1.00} the day it was suppose to be closed so there should n't be any negative fees

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The lawn service company " XXXX '' was discharged from servicing my property in fall of XX/XX/XXXX. The company continued to treat my lawn in spite of my denying and without my permission. 

I paid them XXXX payment with a clear note that I will not pay any future payments. XXXX continued to treat my lawn in XX/XX/XXXX and in XX/XX/XXXX without my permission. Now they want me to pay them the charges that I do not owe them. Now they have employed TRANSWORLD Systems to collect the debt. 

I need for you to inform the collection company to stop the mail to my address. Also, I want to ensure that this does not affect my credit score. Please, advise. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XXXX 2017 Equifax was hiding the fact that the company data was hacked. My information was included in that hack. I was receiving their membership services advertised as protection against identity theft when my information was stolen in the hack. I was paying {$19.00} per month on or around the XXXX day of each month via direct debit. After I switched services to their free offering that they began offering after the hack, I continued to be billed. I contacted the company who refused to give me a refund even though I had been a victim of the hack, and also had enrolled in the free service which should have stopped me from being billed any further.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Claims loan entered repayment in XXXX 2014, yet under the terms of the note, the loan has not entered repayment status.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have disputed this loan and I am still currently A student. I attend college and can not pay off my student loans

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company Midwest Recovery has violated FDCPA policy, they reported a collection to my credit report with out contacting me about this debt, they did not give me the Rights to fight! when I ask to send me the documents they could not provide the right address..now I have a collection for a fraudulent account,

Company public response: Company believes it acted appropriately as authorized by contract or law
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 just obtain copy of my credit report and found there are unauthorized inquiry on all three of my credit reports. I have learned there was security breach and according to the credit bureau website my information was affected. I have disputed the inquiry with the bureau and was advised that inquiries are a factual record and that all information has been verified and accurate. No proof was sent showing how this information was verified.

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 11/27/2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: FIRST YOU SHOULD KNOW THAT I AM XXXX FOR LIFE, XXXX with all the extra doctor bills, I fell behind on mtg pmt and applied for loss mitigation with Dovenmuehle mtg to have them help me in modifying the terms/pmt amt/interest rate or how ever they can help. THE FIRST PACKET WAS CLOSED because of the required info requested was not received. When indeed I sent the INFORMATION REQUESTED upteen times and I have all the saved sent emails w/attachments ( unfortunately, I cant attach emails ). It got so BAD that I got XXXX XXXX XXXX XXXX XXXX XXXX to assist with the paperwork because I sent everything in. They agreed and I filled out there packet and they refused to look at it and closed the case for help. Consequently, XXXX put a ESCALATED FILE STRAIGHT TO XXXX. So they reopened a new file after being contacted by XXXX ON XXXX I received that letter and I had NO FURTHER CONTACT FROM THEM ( letter recieved states THEY WILL INFORM ME IF COMPLETE/INCOMPLETE ), UNTIL I CALLED THEM ON XXXX see whats going on because I WAS BEING HARASSED BY SERVICER FOR PAYMENT EVERY 2-4 DAYs, which started even before pmt grace period over, because after 30 days of no info, this case would have been closed. I am ALSO FILING A COMPLAINT AGAINST the servicer of Arizona XXXX XXXX. for HARASSMENT FOR THEIR IMPROPER COLLECTION PRACTICES. The loss mit dept then told me they are missing information which I emailed to them. THEY STILL REFUSE TO DEAL WITH XXXX AT XXXX LIKE INSTRUCTED, her phone is XXXX. I even emailed a stern letter to Dovenmuehle Mtg loss mit dept asking what they are doing with all my emails and attachments. I have them all saved, luckily. 

IT BASICALLY LOOKS LIKE THEY WANT THE HOUSE/LAND BECAUSE I OWE $ XXXXAND IS WORTH {$110000.00}. THERE IS NO WAY FOR THEM TO LOOSE. 

My printer is broken, so I have to send backup paperwork thru a email address as an attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (NM).
Issue: Loan modification,collection,foreclosure

Complaint: I am submitting this as a follow up to Case number : XXXX. I no sooner received a packet to send back to the Bank of Oklahoma that we have received in less than 30 days an order to vacate. Again Bank of Oklahoma has shown that sending a packet that had an extensive list to be turned back in which has taken several weeks to complete because of the extensive nature that we have received a NOTICE TO OCCUPANTS OF PENDING ACQUISITION. So again we have been duped by Bank of Oklahoma ... first I had to get their attention by contacting the CFPB but know they are toying with my family and my home without offering real help. I wish to stay in my home and again we are seeing smoke and mirrors when it comes to Bank of Oklahoma. Also we keep being told we can submit my own insurance but when the Insurance company calls to get info from Bank of Oklahoma they are told that the property is in foreclosure and they can not place new insurance on my property in foreclosure. I am more than frustrated that Bank of Oklahoma is not being helpful but has decided to tell the CFPB one thing and show me another side. This has been the true problem from the beginning. Also we are told to make payments of which Bank Of Oklahoma will not receive. When trying to speak to Bank of Oklahoma I am told that because of the status of my home that Customer Service is not available to me. Please give me some type of guidance in this matter as I believe I am being railroaded into a situation and every month that goes by my Credit is being destroyed and the equity of my payments to the Bank are being denied because of their lack or unwillingness to work with us. I truly just want to be able to make payments and gain my equity back and my credit standing that has been destroyed. We have been sent the same document two times prior and the address given for the document to be sent was sent back to us telling us they could not receive our document. Again terrible response to an address not even correct on prior documents. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS AMT OWED {$8800.00} WAS TO BE PAID UNDER XXXX INSURANCE, WHICH I PURCHASED AND WAS PAYING FOR, AT THE TIME I REQUESTED THE LOAN. IN XXXX XXXX, I WENT OUT ON PERMANENT XXXX AND HAVE BEEN RECEIVING BENEFITS FROM SOCIAL SECURITY SINCE FIRST PART OF XXXX. THE LOAN COMPANY WAS NOTIFIED OF MY XXXX AND THEY WERE SUPPOSED TO SUBMIT A CLAIM FOR THEIR MONIES.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: Citibank frequently offers special promotions for depositing " new to bank '' funds to new or existing accounts, holding a specified amount of the funds for a specified duration of time, then the bonus described in a promotion is to be deposited into the account. Year after year, I participate in these promotions, I always fulfill the terms of the advertised promotion, yet consistently the bonus is NOT deposited into the account automatically upon the completion of the promotional terms. I have screen images, photos and correspondence regarding this issue going back several years. I always end up getting the promised bonus after I invoke an internal investigation with the Citibank Customer Service back office. I learned after speaking with customer service and president 's office representative that Citibank does not have a system in place to automatically deposit bonuses if customers do not initiate a complaint. Supposedly these conversation with customer service are recorded, please request copies of my conversations over the years with Citibank regarding this issue. I can provide you with my written complaints to Citibank office of the President in an attempt to bring this issue to light. Nothing has been done to correct this issue and again in XXXX of this year, I had to initiate another investigation with XXXX to get my bonus, which I was assured by her I would receive automatically before the last day of XXXX - I did not, so yet again, like many times before, the bonus was deposited only after I initiated a complain in XXXX. I just made another " new to bank '' deposit in XXXX, and yet again, have XXXX faith that Citibank has a system in place to give me my bonus on or before XXXX XXXX, 2017 after I meet my part of the obligation and hold $ XXXX for 90 calendar days. I anticipated that I will initiate an investigation on XXXX XXXX, 2017 and receive the bonus two business days later -- - what about so many other customers who do not file an investigation complaint? The bank just keeps their customer 's money for themselves. 
Please investigate this blatant withholding of funds and bait and switch on behalf of the Citibank customers. Please contact me so I can provide you with further documentation.

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 12/28/2016 about Debt collection (Payday loan) with Bliksum, LLC (CA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: XXXX at XXXX NY XXXX is calling my place of employment over and over re a debt they say I owe LOANME INC. I verbally informed the rep to not contact me at work and she rudely and forcefully insisted she could and proceeded to call 2 more times getting me in trouble. I then faxed a cease and desist letter also and they still called again.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to AnnualCreditReport.com to obtain copies of my credit report from the XXXX credit reporting companies. I logged in and then answered questions to receive the PDF copies online. The system then logged me out a few minutes later and did not allow me to print my reports. I tried to get back into the system and it stated I had already been serviced and to come back next year. Submitted complaint got form letter of " XXXX '' back in mail. Did not address the issue or resolve the complaint. In the letter and website, they do not provide a number to call or other access ; just return XXXX. address. At a minimum, they should mail me my XXXX credit reports as they know from their system I was not able to access or print them despite providing all of my personal information and answering all of the security questions satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I received my regular invoice from my mortgage company in XXXX and it had the normal totals. In XXXX, I was sent an invoice that shows that I owe {$9600.00}. Five days later I received another statement for XXXX shows that I 'm even more severely behind without making any payments since at least XXXX of this year ( which is untrue ), and I owe {$13000.00}. I have not missed any payments, and I 've called my mortgage company unable to get anyone to answer after XXXX minutes of holding almost each time. I emailed them and was given a response that they would mail an update to me which I have yet to receive. I followed up with that email, and they will not respond to me. They give you an extension for your account representative, and the extension does not work. This is not the first time that I 've found that they have unscrupulous accounting practices, however I desperately need assistance to get this resolved quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation