milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MS).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My DISCOVER card was charged and I disputed {$560.00} : XX/XX/XXXX XXXX XXXX NV {$5.00} XX/XX/XXXX XXXX XXXX NV {$85.00} XX/XX/XXXX XXXX XXXX NV {$91.00}XX/XX/XXXX XXXX XXXX NV {$91.00} XX/XX/XXXX XXXX XXXX XXXX NV {$.00} XX/XX/XXXX XXXX XXXX  XXXX NV {$4.00} XX/XX/XXXX XXXX XXXX XXXX NV {$89.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} I ordered a FREE sample for {$4.00} shipping from XXXX.
1 ) A company sent a box to me with no NAME of the shipper on it.
I located them by the address on the box and I CALLED THEM. I TOLD THEM I WAS RETURNING THE BOX TO THEM UNOPENED, AND TOLD THEM TO NOT SHIP ANYTHING ELSE TO ME.
2 ) I received two more identical boxes. I returned these two additional boxes to them unopened. After returning all three boxes, unopened, I received a form letter email from XXXX regarding the above charges on my DISCOVER card.
3 ) The company sent a copy of a webpage that I have never seen before to DISCOVER saying I signed a contract with them.
I did not agree to any contract ; I only agreed to one sample for {$4.00} shipping. I had never seen that web page until DISCOVER sent me a copy in their correspondence.
4 ) I supplied DISCOVER multiple sources showing them that this company goes by numerous names and has scammed numerous people.
DISCOVER charged me using the name of ~ XXXX DISCOVER charged me using the name of ~ XXXX XXXX I was contacted by an email with the name ~ XXXX How DISCOVER connected the three names, I do not know or understand.
However, DISCOVER does not care that the company is a scammer. XXXX XXXX XXXX 5 ) XXXX told Better Business Bureau : The customer 's account has been flagged as a chargeback onXX/XX/XXXX for the disputed charges. The chargeback processor and credit card companies will determine the legitimacy of the claim and be able to provide any refunds as necessary.
6 ) I requested ONE sample for {$4.00} shipping.
I was charged NINE times totaling {$560.00}.
I returned everything, unopened, unused.
DISCOVER will not credit my account for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: creditor decreased my credit limit from XXXX to XXXX witch affected my credit score and my credit went from very good to goo i tried contacting creditor and they told me it was because i had not used my credit card acct. CBNA XXXX XXXX XXXX XXXX XXXX, XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage lender is not applying payments correctly - they have sent me several letters demaning a past due amount for missed payments - then explaining that my loan was only paid in part - partial payments were received. once those were resolved then another letter would come demanding payment for payments not in full and that my loan was in default and foreclosure- that I had to pay late fees, attorney fees and reinstatement fees

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (FHA mortgage) with CASTLE AND COOKE MORTGAGE LLC (UT).
Issue: Application, originator, mortgage broker

Complaint: I was denied credit for a mortgage loan without receiving an adverse action notice as to why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have sent in disputes to XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST XXXX NOW XXXX AND TRANSUNION ALL BC OF XXXX. PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY 18TH TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID XXXX HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM XXXX XXXX AND TRANSUNION AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. GEEEEEEEEEEEEEEEEEEEEEEEEESHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH.

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 08-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Trouble during payment process

Complaint: I refinanced my mortgage in the early Fall of 2016. The mortgage was acquired by Wells Fargo with payments to begin in XX/XX/XXXX of 2016. There was an escrow balance transferred at the time of closing. My monthly payments were to be approx. {$1900.00}. I received word from Wells Fargo a couple months ago that the escrow account was underfunded and that resulted in me owing {$5700.00} which could be paid in full or paid over time for an additional {$600.00} a month to my mortgage. This seems grossly negligent, how could {$5700.00} accumulate over just a few months. How could the company not tell me about the potential shortage in advance of it happening so that I could begin paying an adjusted amount immediately, rather than waiting almost a year and allowing almost {$6000.00} debt to accumulate?

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 02/17/2016 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was recently sold from United Shore Financial Services , LLC DBA ( United Wholesale Mortgage ) to XXXX, XXXX. The sale was apparently sometime in XXXX as United Wholesale Mortgage stopped accepting payments as of XXXX/XXXX/16. All of this is fine, except they never notified me until after my XXXX/XXXX/16 payment was due. I have direct payments set-up and noticed my mortgage payment was n't taken out of my account on XXXX/XXXX/16. I looked on United Wholesale Mortgage 's website and found in the document center that I had XXXX page letter dated XXXX/XXXX/16 informing me of the transfer. I never received email correspondence of this or physical mail correspondence ( I did finally receive the note on XXXX/XXXX/16 notifying me of the sale ). 

I just received my account information as well as a bill for my XXXX/XXXX/16 mortgage payment yesterday ( XXXX/XXXX/16 ) from the new servicing company, XXXX XXXX XXXX, XXXX. My issue is the fact that I have a past due amount. I have never been late on a payment in my life and the fact that it will show up on my credit report as a delinquent payment is quite unsettling. The delinquent payment lies directly on the shoulders of the ineptitude of these XXXX companies. I have sent my payment today ( XXXX/XXXX/16 ) and it wo n't likely post for a few days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with documents showing proper validation for negative items reporting on my credit report. Instead they sent a letter stating that certain items were verified with the original creditors, but where is the PROOF??? I am aware of my rights under the FCRA and Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you ca n't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you ca n't send me proof of these accounts from YOUR COMPANY, it must come off. Please make sure that XXXX abides by the law and provide documentation or delete immediately. 

Account Name : XXXX/ XXXX . Account Number : XXXX ... 
Account Name : XXXX XXXX XXXX Account Number : 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 01/22/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm having issues with XXXX medical collections that are not mine nor in my name, they list as individual accounts. I have advise the collector of the hippa violation. I am not responsible for those collections.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (IL).
Issue: Managing the loan or lease

Complaint: I became aware that Prestige was storing my credit card info in some part in their system and via a 3rd party system I requested on several occasions that the information be removed, that I had n't consented nor was I told that my credit card number will be stored To this request I received push back and was ultimately that Prestige only keeps the last XXXX digits of my card info I was told their 3rd party vendor XXXX XXXX houses the information. Again I asked that the information be removed and that was again met with resistance. I was told to contact XXXX XXXX which on XXXX/XXXX/2016 I did. I subsequently did a 3 way call with XXXX XXXX and XXXX from Prestige. 
During this recorded call XXXX said XXXX XXXX had the stored credit card details and the rep from XXXX XXXX said they did not keep those details. I have n't made any payments directly to XXXX XXXX my payments are made to Prestige and no where on their website nor in any other disclosure is there any information about how my information is stored. Prestige has refused to remove the information from their system or request that the information be removed by their 3rd party ( where applicable by law ) Prestige has continuously refused to aid in removing this information. They also have refused to remove the viewable information from their system. 
Prestige is engaging in deceptive practices and privacy violations as well as compliance violations as it relates to keeping credit card information on file.

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 01-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WV).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have tried connecting my account to my XXXX account and they have repeatedly blocked my access.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage company paid out 3 separate tax payments to my county at the end of the year, all 3 payments were for the wrong amount of taxes, one payment was used to pay taxes and the county sent the overage back, a second one was returned, but the third payment the county shows they never received. The mortgage company keeps saying that they are waiting to get it back from the county. It has been 4 months now and still no resolution.

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 09-07-2015 about Credit card () with BARCLAYS BANK DELAWARE (CO).
Issue: Rewards

Complaint: Barclay Card Arrival was XXXX of cards that our family use regularly to accumulate points for travelling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for a cruise with our XXXX young daughters in 2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing statement

Complaint: signed up thru Home Depot account ( Citi group ) Payment was made thru this system. Received an alert for change on credit report, upon investigation it was determined this was the account that alerted. I received NO indication that this was an issue, however I continued to receive marketing materials from them. I contacted HD credit card services they initially stated that there was some problem in processing. Best they came up with was that the routing number information must have been entered wrong. No answer given was in any attempt to rectify this issue just excuses. Was forwarded up the chain and was told that when the payment was made they would forward that for consideration for removal. Was given the run around when asked when this would be removed and why was I not notified of this issue before the credit report was made. As of today that account will be current to satisfy the issue however i received no satisfactory answer as to this report on my credit.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Loan provider Navient keeps removing address from their records. This results in not receiving the monthly bill and the servicer then charging late fees and negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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 submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.

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 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a collection from this agency and another on my credit report, The agency i would be addressing today is I C SYSTEMS Collection agency. I have spoke with them numerous time about getting this off my credit report, the first time i was told i would be mailed a form with 7 days, that i would need to fill out and foward to XXXX. XXXX Weeks of not receiving such, i than contacted them back. i explained to them ive been trying to get a auto loan and this is XXXX of the XXXX agencies holding me back due to a debt that is in fact not mine XXXX XXXX XXXX XXXX. I offered to provide my birth certificate as well as state ID hoping this would expedite things since both pieces of evidences clearly state that i was a minor ( Under the age of XXXX ) at the time of these accounts. I can not have a civil conversation with amsher collection agency without being interrogated about this matter, i have been asked for payment on these debts everytime i call to dispute this matter, and ive just been getting the run around, I dont see why its so hard to remove this debt off my credit report since it clearly could not be my debt since all this was done before i turned the legal age ( XXXX XXXX XXXX ), to even sign a 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 05/19/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My servicer, FedLoan/PHEAA, is alleging that dozens of my Public Service Loan Forgiveness payments do not qualify toward my 120 qualifying payments. I have worked for XXXX and I have submitted forms each year according to the instructions on the form. The form clearly stated at one point that if an employee is still at her current job she should write " today 's date '' on the form. It now has a box that users can check that says " still employed. '' I filled out my forms each year according to the instructions, either putting " today 's date '' or checking the box, and now my servicer is not counting each certification as if I employed at that employer. Rather, they are using the " current '' date as my " end '' date. 

After filing annual employer certifications for five years, it is astounding to me that my servicer, FedLoan, has been miscounting my certifications all along. Nobody notified me about any of five forms I submitted. I only found all of this out when I had a separate problem with FedLoan. They are now saying that I must go back to my previous employers to have them re-certify my employment. 

After calling FedLoan, they instructed me to only submit forms when I leave employers, rather than submit forms each year. Now I do n't know which advice to follow -- to submit annual employer certifications or just wait until I think my 120 payments is up. What is the point of trying to stay current with my PSLF certifications if I am just going to have to go back and do this all over again?

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with E*TRADE BANK (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem

Complaint: I Disputed with XXXX in Reports # : XXXX on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. So I Called XXXX  again about why my dispute was not investigated correctly on XXXX/XXXX/XXXX at XXXX. Spoke with XXXX. She stated shes putting in another direct dispute and it could take up to 60 Days. Because I sent in proof of payment from a letter from E*Trade showing they confirmed my payment on XXXX/XXXX/XXXX. Also that the payment was taken out from my XXXX XXXX Checking Account with my online dispute from Reports # : XXXX on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 
It still wasnt removed as a delinquency. 
As of when I received my updated experian credit report they sent me on XXXX/XXXX/XXXX. This has been hurting my credit since XXXX. I am fully XXXX and to sick anymore to fight these companies. Which E*Trades Number on my Credit Report is disconnected. 
Please please help me fix this. Im in dispert need of your help. Also with other problems that they wouldnt fix as well on my 3 Credit Reports that I 've been trying for about 2 years now. But it becomes to overwhelming for me because Im very sick. 
Thank You and XXXX Bless, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX H : XXXX C : XXXX XXXXXXXXXXXX I have proof of all my payments. 
Please just tell me where to forward them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Credit determination

Complaint: XXXX is reporting a dispute that I had already resolved and had taken off of my account in XX/XX/XXXX with Home Depot. 
I do n't know why this is appearing. I am in the process of applying for a mortgage and this needs to be removed as I can not have any open disputes with y mortgage application. 
This Home Depot card has been paid in full and has not been disputed. I do n't know why it has shown up on my report. Please help. thank you.

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