milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: On XX/XX/XXXX I purchased XXXX roundtrip airline tickets from XXXX to XXXX leaving on XX/XX/XXXX & returning on XX/XX/XXXX. The purchase price was XXXX {$1700.00} ( XXXX dollars and XXXX cents ). The amount taken XXXX ( service provider/airline ) from my credit card was XXXX {$1800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ) on XX/XX/XXXX please see Schedules A, XXXX and B, attached. 
Since I initiated this transaction through XXXX, I called them to inquire about the over charge on my credit card in the amount of {$94.00}. Their records showed only a payment in the amount of {$1700.00} so they tried to contact XXXX @ XXXX to clarify this, with no luck. Since XXXX representative was unable to get a hold of the airline he asked me to contact my credit card company to initiate a dispute for said overcharge in the amount of {$94.00}. 
On XX/XX/XXXX, I opened a dispute online with Citi and mailed backup to support this claim. Case No. XXXX. 
On XX/XX/XXXX, I visited XXXX website in order to select seats for our trip and found out my reservation was cancelled by the airline ( please see reservation status on Schedule C attached, it reads " XXXX '' in XXXX, which means Cancelled ). I tried to contact XXXX customer service department @ XXXX with no luck. I called XXXX to verify this new information and they confirmed vendor cancelled my reservation. They asked me to contact XXXX immediately to request a refund. 
On XX/XX/XXXX we drove to closest XXXX offices located at XXXX airport to discuss the cancellation. The representative confirmed the reservation was cancelled and provided screen shot of the airline 's system, see Schedule D. 
Since vendor cancelled my reservation I needed to make sure a refund was processed so I initiated a dispute with Citi Cards Billing dispute department for the full charge on my credit card in the amount of XXXX {$1800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ) processed on XX/XX/XXXX, see Schedule E. 
Citi Cards billing dispute department sent me a letter resolving that the vendor did n't agree to refund my money because they said I requested a cancellation, which I never did ( see Schedule F ). 
Due to the cancellation of my reservation without my request, I had to buy a separate set of tickets on a later date at a higher price. Since my credit card company has n't credited the purchase amount to my account and it is not protecting my interests by allowing XXXX to keep the money for a service that I will not receive because they denied to provide, I 'm asking for your help to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (IL).
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 repeatedly contacting the company regarding an error on their part Ive gotten nowhere. Their company placed my account in a bankruptcy status which resulted in me not being able to pay my bill or receive statements. I called and called and continuously tried to explain to them that the account was opened after my bankruptcy and traffic their had to be a discrepancy on their end. After receiving horrible customer service and being transferred multiple times they finally heard me out and opened a dispute. They saw that someone on their team dropped the ball by having my account closed and placed in that status. They apologized for the inconvenience and the mistake on their part but due to this i have suffered tremendously. They reported 60-90 day late payment to the credit bureaus and are refusing to fix that! My credit has dropped tremendously because of this. I had never reveived a statement and didnt know i had a bill until i called! Even after calling they couldnt accept a payment from me. Ive been trying to pay since XXXX! I want those derogatory remarks removed from my report along with all of the late payment fees! This is by far the WORST COMPANY IVE EVER DEALT WITH!!!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was contacted by a consolidation company. They said they could consolidated my XXXX student loan which was at a 2.5 % interest rate with my XXXX which was at a 6.8 % interest rate. I was very clear I did not want to consolidate if my XXXX loan was going to get jacked up to a ridiculous interest rate. They told me they where going to take a average of my loans and it would all come out in the wash. I was young not good at math and trusted them. What ended up happening is all my loans went to a 5.5 % interest rate. They have been sold and traded hands several times. I have called my loan holders several times and they are saying they can not do anything about the interest rate. One day last year I spent 4 hours on the phone getting directed to 10 different numbers and agencies. No one seems to know who owned my original student loan. I asked them to send me information ... .this has been super frustrating and I have gotten no help. On top of my student loan interested being more than what my old house and car interest was. I am never going to be able to get them paid off and no one seams to have the information I need. I asked them to send me all my paperwork since I have been receiving loans and the attached its all I received ...

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I do not owe any medical debt as my insurance pays it. This is inaccurate

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 05/29/2015 about Debt collection (Auto) with Law Offices of Benjamin Woo (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I purchased a vehicle from XXXX XXXX in XX/XX/XXXX. I paid XXXX XXXX {$2500.00} as down payment and leased the vehicle from XXXX XXXX. Some time in the future, I was involved in an accident and the vehicle was totaled. I had thought I purchased gap insure but was advised I did not. XXXX XXXX gave the outstanding of approximately {$9000.00} to XXXX XXXX who garnished my wages at the time until the debt was paid in full. Sometime in XX/XX/XXXX, I was served documents to go to court from another attorney who advises I owe his client XXXX which purchased the {$2500.00} Debt from XXXX of XXXX ( who had filed Bankruptcy a while back ) that they have a court judgment asking for approx. $ XXXX. I have had communication with the attorney and we came to a settlement of {$4000.00}, however, I have advised him that this debt is untrue and have asked for verification. He has not responded period and is unable to verify the debt. In fact, he stated that he only knows what the client has stated and that I owe this money. The attorney has threatened my business and to subpoena all my investors and I did not want this embarrassment and agreed to a settlement. I am reconsidering my position and would like verification of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In late XXXX, my family suffered a loss of income due to a change at my employer leading to a reduction in hours I spent doing side jobs. 
In late XXXX, Bank of America advised our line of credit mortgage payment would increase from $ XXXX/mo to $ XXXX/mo. This substantial increase in required payment, coupled with roughly a 30 % reduction in income resulted in a hardship. 
We contacted BofA and started the loan modification process. In XX/XX/XXXX I inquired into the loan mod status and was advised that the modification request was denied and closed. The representative could not tell me why. We reopened the case and began resubmitting documents. 
In roughly XXXX or XXXX of XXXX, we received notice that we had been approved for a modification. Bank of America was allowing us to make payments of $ XXXX/mo for three months to get caught up on our past due line of credit payments. If we could not afford $ XXXX/mo, how could we afford $ XXXX/mo? I contacted our customer relationship manager at that time and asked if there were any long term modifications available after the three month trial period where our payment had gone from {$180.00}, to {$580.00}, to {$1600.00}. I was told at that time that Bank of America had no programs available for our situation where the bank held only the second mortgage on the home and not the first mortgage ( XXXX services the first mortgage, Bank of America had sold or transferred the mortgage to XXXX within the previous year ). Had Bank of America told us from the start that our situation ( XXXX note held by another bank, only XXXX note was held by BofA ) did not fit their criteria, we would have taken a different route, XXXX that would have allowed us to refinance some time in the near future ( we have a short sale on our credit within the last year and were told that made us ineligible to refinance with Bank of America or any other lender at that time ). Unfortunately, we believed Bank of America would be modifying our loan and had become behind in payments at this point. Our credit suffered and we were more stuck than we were before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Consumer Loan (Vehicle loan) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: I challenge the adverse account designation of HSBC AUTO FINANCE on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by HSBC. HSBC violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but HSBC transferred the account to XXXX, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete. 

BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XXXX 2009, XXXX 2009 and XXXX 2009. I had called HSBC and was informed that they were transferring the account to XXXX XXXX XXXX and that their computer system had problems in the transfer during the months of XXXX, XXXX and XXXX of 2009. 

HSBC indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when HSBC transferred their accounting files to their new partner, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Bank account or service (Savings account) with DISCOVER BANK (TX).
Issue: Deposits and withdrawals

Complaint: Discover Bank took {$7600.00} from my account to respond to a XXXX tax lien. 
But Discover Bank had no authority to do that as the XXXX lien was not perfected in XXXX. 
I have been unable to get Discover to return my money. Nor have I been able to get XXXX to acknowledge receipt of the funds. 
Further the XXXX assessment against me was rescinded, which I told Discover customer service department before it disbursed the funds. 
I do n't know where the funds are.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (WA).
Issue: Trouble during payment process

Complaint: US BANK MORTGAGE XXXX InXX/XX/XXXX we purchased a new home via XXXX XXXX who then sold on the mortgage to US Bank. By XX/XX/XXXX they said the ESCROW has roughly a {$1000.00} shortfall. This is unusual as the Property Taxes were reduced from the XX/XX/XXXXcalculation after a successful appeal to XXXX obligation board. <P/>Therefore the ESCROW should show a net positive. <P/>Also US Bank signs the ESCOW as correct for the first 2 years when buying the loan so any shortfall is down to them under mortgage buying rules.

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 07/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Got a call from my Mortgage company on Tuesday, XXXX XXXX, 2017 at XXXX. They were surprised on why Navient reported a deliquesce on my student loan account, for it being 4 months past due. They were surprised because in XXXX of 2017, when applying for my mortgage, they pulled my credit and I was, at that time, listed as " in good standing '' with Navient. My first question is how do you go from being in good standing to being delinquent for 4 months in two months! The math does n't add up, there has to be a mistake. <P/>After receiving the call on Tuesday, XXXX XXXX, 2017 at XXXX, I quickly called Navient to settle the issue. I paid the past due payments, bringing my account to paid in full. They took the money out of my account on Tuesday as well. I called everyday since Tuesday, ( Wednesday at XXXX XXXX, Thursday at XXXX and at XXXX XXXX ) and finally on Wednesday night they processed the payment, even though they had already charged my account. I have asked everyday for them to send a notice to the Credit Bureau stating that my account was now paid in full, is current, and is in good standing, so that my credit score could get back to it 's previous score. As of right now, the response that I keep on getting from their customer service reps is that they can not send a notice until the end of the month. That does not work for me, because if that is the way it works, I will lose my house. My current credit score will not allow me to be granted the already pre-approved mortgage to pay for the house.

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. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
The company Equifax has miss handled information of myself and other who have never used their services and the service they have set up can not tell me, simply, that I am indeed affected by this breach in security. This is appalling and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I disputed my personal information before. I also sent my drivers license before as requested. I keep getting name change and address change alerts from XXXX XXXX. It stated last week, that my correct address was removed and another address was added. Which was incorrrect? I only have one last name ans always have which is ( 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 03-11-2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: We have been experiencing several issues with the Wells Fargo branch located at XXXX XXXX XXXX, XXXX Florida with just two particular individuals a male manager and a teller by the name of XXXX XXXX 
My mother have received some funds to fix her house where we live due to damages that had occurred in our home and the mortgage company send us several checks to pay the contractors that we have hired to do the jobs in our house. We went to the bank with the check and they did not want for us to deposit the check to my account even though my mother signed it over to me nd I have power of attorney to take care of her affairs and to pay the contractor for the jobs. They say we couldnt and that we have to deposited into her account, so we went to another branch and it was deposited without any issues. So, in two weeks, they sent us another check for the deposit of the contractor, so we went again to the XXXX XXXX XXXX branch because it is close to our home, and again we had the teller XXXX at the drive through and I again informed her to please deposit the check into my account and she went ahead and deposited in my mothers account, and my mother can not have high deposit show in her account because she receives social security disability and food stamps. When we got home that is when I noticed that she had deposited into my mothers account, so we had to wait on Monday to go in to the branch to transfer the funds into my account, so we found a teller that made the transaction for us without any issues. Now on Saturday XX/XX/XXXX I went to the drive through and behold again its XXXX, I fill out the form and needed to withdraw XXXX dollars to pay for a job that was just completed and XXXX told me hold on and she called that same supervisor a male that I dont recall his name made me wait for so long and then he came to the window and says that I can not withdraw the XXXX dollars because blah blah and mind you I just withdraw {$7100.00} the previous day to pay off the balance to our contractor in order to get release of lien. And they are telling me I can not withdraw and what made me so mad is that as I was leaving they started laughing at me. Now this is so unprofessional and I see that we are being targeted by this supervisor and 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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been notified that I am involved in the XXXX dispute. I wish to freeze my accounts at all three bureaus. XXXX and Experian offer online locks, both websites were unable to process my online request. My attempt was made on XXXX/2017. I also tried to call Experian and waited on hold for almost one hour at XXXX XXXX EST and never got an answer. I did not try to use XXXX XXXX  online service. This worries me, because they say to unlock the freeze online, but their online services are never working.

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 05/21/2015 about Debt collection (Credit card) with DISCOVER BANK (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is dealing with an Estate Debt. A major credit card company hired a Collections Agency to collect a CC debt after my mother death. I am the legal administrator for the estate. 

Upon contacting both the CC and the debt collector, I was told by the CC the debt collector is the only XXXX that can now neg. the debt with me. Upon contacting the debt collector I was informed by the collections company that if I wanted to settle below a certain amount, they would need to verify the amount in the estate account and where asking me to provide a bank account statement. 
I feel they have no right to request such a document. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a civil judgement on my credit file which is not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation