milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: American Express reduced our credit limit lowering it to just over the purchase thus causing our credit rating to be affected even though we never missed a payment on our credit history. They said it was triggered it by something sent by XXXX. They said they had the right, but reducing to so near the current balance causes chances of problems or payments to cause adverse effects to the client. Thus the business practice why used to protect themselves can have a good credit score to turn bad because of a business decision that is typically auto done.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Struggling to pay mortgage

Complaint: A customer service agent from  Ocwen  Mortgage presumably in the  XXXX  called me and advised me that I needed to pay {$240.00} to reinstate the mortgage. No methodology of payment was required or provided. I made a payment of {$61.00}, the normal payment, a payment of {$120.00} or twice the normal payment and a payment of {$61.00} all using  XXXX   XXXX  Bill Payment.  XXXX   XXXX  immediately takes the money from my account into a suspense fund and makes the payment electronically to  Ocwen. Ocwen  refused the payment and returned the money electronically. When I asked why, they said that the electronic payment was not certified funds. They demanded that I send a wire transfer immediately. I did so from my bank  (   XXXX   XXXX   )  to their bank  (   XXXX   XXXX   )  costing me {$15.00}. I called in and spoke with  XXXX  ID #  XXXX  and she documented the wire transfer number, but was not able to verify receipt. I asked to speak to a  manager  to verify the wire transfer or to find out why they could not verify it immediately. I was transferred to  XXXX , ID #  XXXX  and asked why she could not verify the wire transfer of {$240.00}. I all got were standard answers and that it would take two days, blah, blah, blah. Sorry, I have been doing wire transfers for about forty years and they have been nearly instantaneous in that time frame. I asked  XXXX  to verify the wire transfer number and she initially refused. I said that  XXXX  said that she added the wire transfer number to my account. All of this transpired on Monday  XX/XX/2017   . I tried to reach the OCWEN Ombudsman, the prior Friday and Saturday, but to no avail. I had spoken to a Customer Service Representative in  XXXX  first thing in the morning and the guy just wanted to lecture me and create further problems. I demanded that this guy be fired.

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 07-12-2016 about Credit card () with JPMORGAN CHASE & CO. (OK).
Issue: Billing disputes

Complaint: I received an email XXXX/XXXX/XXXX from Chase stating there had been " Unusual activity '' on my credit card account and they had closed it. Instructions were included to log on and reactivate. I closed this account years ago so I phoned Chase ( XXXX/XXXX/XXXX ). We figured out the email was fraudulent but during the call, I was informed there was a {$36.00} balance. They informed me of the last XXXX digits of the card, the date it was opened and the date closed ( XX/XX/XXXX ). I was placed on hold while the person attempted to locate someone to answer my questions regarding the balance. ( Where, by whom, when, etc. ) They were unable to find anyone to help me so stated someone would contact me and they gave me a direct number to call if needed in the future. As of XXXX/XXXX/XXXX I had not yet received any correspondence or communication so I phoned them again. I spoke to XXXX different people ( XXXX & XXXX ), was connected ( mostly on hold ) for XXXX. They stated they could not retrieve the information nor anyone to help me with my questions. I requested a supervisor and was told they were not available. I then requested the computer notes they had been inputting but was told they could not provide those. I requested the organizations/agencies which govern credit card companies as I needed to find someone to help me resolve this. XXXX told me she did not know of any. She offered no further suggestions on how to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: several times I have made an attempt to resolve the issue that I was having with  NELNET  to no avail. this is about the third or fourth complaint that I have submitted and they purposely and continually refuse to acknowledge my request. recently I received an alert on my phone from privacy Guard letting me know that an account has been added to my credit profile through   XXXX   this was  XXXX / XXXX /  XXXX   so when I check it I see where an new account has been added by NELNET. They have re-aged an old account so it appears. I called  XXXX  the following day asking how can they allow these accounts to added to my credit profile while I have an fraud alert and an identity theft report concerning my credit profile but the woman stated it was n't appearing on their but I know that was false because it appears on my phone and my   credit score   has drop tremendously because of it. They have purposely and continually to violate the FCRA and the FDCPA. I recently been doing some studying about their closing ; so how is it are there continually to collect on student loans and thy are no longer open. I will be filling a suit in small claims if they refuse to verify and validate the debt but continue to report it on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I received the attached letter from Eqifax dated XXXX/XXXX/2016. They stated " We have reviewed the inquiry information. The results are : This inquiry has been deleted. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX Phone : ( XXXX ) XXXX '' I called XXXX and they have to factual record as equifax likes to call it so they advised I call Equifax. Called equifax and the first agent told me lies. I got transfered to a superviosr who stated she could not pull up any of the letters which equifax sent me because they are not factual. She stated she would place me on hold and " research this '' she hung up on me. I called ack and got transferred to another sup. They stated they saw the letter but they cant do anything on there end regardless of what the letter states. I asked him then what was the point of thel etetr stating something would be done and it hasnt. He stated the info a previous agent provided was incorrect as they have NO way on disputing anything on their end. everything is done through the company. ore lies. The supervisors agent id : XXXX. If a company sends you a letter stating something will be done..then one would assume it would be done. I guess Eqifax is different. The date of the inquiry to be removed is XXXX XXXX, 2016. 
- XXXX XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (I do not know) with FMA Alliance, Ltd. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company keeps hounding me for info about my son. He is XXXX yr. old and has been gone from home over XXXX yr. He lives more than XXXX miles from me. I am not giving info about him to some rude dude over the phone. Told them SEVERAL times, I am on the DO NOT CALL registry. Please help The callers are from FM Alliance.out of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This medical collections need to be deleted/Removed Off My Transunion credit report due too hippa violation there is no Right to Revoke Clause form attached any of my medical papers!!!!

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 08-12-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing disputes

Complaint: I got airline ticket from travel agency. It was round trip ticket and my flight is on XXXX XXXX 2016 from XXXX to XXXX XXXX XXXX XXXX. I requested to change my routing because of Clashes between XXXX And XXXX Government and 20 days ago the XXXX XXXX was shut down for three days and lot of passengers was stuck at airport. Now still in XXXX has 3 months Emergency Declared. I do n't want to use XXXX XXXX. I request to agency for rerouting my trip but they are not agree. And also they are not giving me half refund. 
I called my credit card company to dispute this charge and credit card company open dispute charge but did n't get my money. Now citi castco credit card company tell me that i should get my money on any other ways because they will not help me to resolve this issue. My request is reasonable because why should i go by XXXX XXXX route if there has some problems. I m so upset about the policey of citicastco credit card company. 
If you neend any other information about this issue please let me know and i will try to provide you. 
Thank you for your time.

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 09/19/2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I have looked through my paperwork that I have kept. XXXX Compass Bank is asking me to pay {$1500.00} dollars remaining on the loan after they had sold the car along with {$1700.00} dollars. Repossessions Fee. I made a few phone calls and Compass bank had canceled the auto GAP policy and also the XXXX XXXX extended warranty and kept the money from that. The XXXX XXXX extended warranty cost {$2500.00} dollars and the GAP policy was {$350.00} dollars totaling {$2900.00} dollars yet they expect me to pay them {$3300.00} that just does n't add up I do not owe that amount. If I do the math and minus {$2900.00} dollars from {$3300.00} that would be {$420.00} dollars. As to why they are attempting to ask for more money than is owed just boggles me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: I had a car loan with Santander Consumer USA. I made a payment of {$450.00} while in the process of trading that vehicle for a new vehicle. My last statement had a " estimate payoff '' of {$18000.00}, however that week, the dealership payoff amount was {$18000.00} not including the amount I had just paid. I proceeded with the trade financed by XXXX XXXX. I was told by the dealership the difference from the payment I made would be refunded to me. Since then I contacted Santander USA after receiving a payoff statement. They could not tell anything because the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Portfolio Recovery Associates, amount is XXXX. Account Portfolio Recovery Associates shows the account was paid off. I have no knowledge of this account. I have disputed this account with XXXX, XXXX and XXXX and also sent Portfolio Recovery Associates a debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Payday loan () with Big Picture Loans, LLC (ME).
Issue: Charged fees or interest I didn't expect

Complaint: Please look into a.company called.Big Picture Loans. They offer payday or.nextday loans.They offer loans to.consumers for XXXX dollars.They don't.tell you in there letter.of over the phone that they charge750-800 % interest on that loan!!! They also claim.ammunity saying.they have tribal protection through the XXXX tribe. There 's 100 s of.1000, s of complaints and upset.consumers o et.these guys.How they can be in.business is beyond me.Please make sure another.consumer does not.get scammed you take a XXXX dollar loan and.pay back nearly 1800 dollars. Please help and investigate thank you. These guys should.stop.hiding.in.there.tribal law and.be.shutdown or loomed at regularly until there.business practices are decent

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The credit reporting agency did receive proper documentation to confirm that the account was mine. When I asked the credit bureau they could not provide me with specific details on how they came to the conclusion that a debt was mine. There were documents bearing my signature, and not other evidence. I am not sure how they can investigate and come to a conclusion without proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: NOTICE OF WELLS FARGO BANKS, N.A. MATERIAL VIOLATIONS UNDER CALIFORNIA HOMEOWNER BILL OF RIGHTS ( HBOR ). 
See attached letter dated XX/XX/XXXX which demands that Wells Fargo Bank comply with California 's XXXX. 
Because Wells Fargo Bank has refused to comply with California 's XXXX, and given the evidence that Wells Fargo Bank has committed fraud and altered documents in my specific case, I am asking the Consumer Finance Protection Bureau to forward my CFPB case files to California 's Attorney General so that this evidence of fraud can be presented to the grand jury now authorized under California 's Senate Bill No. 1474. ( see attached CALIFORNIA SENATE BILL No. 1474 Approved by Governor XX/XX/XXXX.Filed Secretary of State XX/XX/XXXX. ) Wells Fargo Bank is knowingly and intentionally concealing from the Consumer Finance Protection Bureau and Courts evidence of fraud and lack of an accounting for this loan. Attached are several relevant court cases which categorically prove that despite Wells Fargo 's denial of wrongdoing, they are in fact committing fraud upon our Courts and Governmental Agencies. 
As a result, I have also decided to bring claims against Wells Fargo Bank in both State and Federal Court. 
VERIFIED COMPLAINT FOR INJUNCTIVE RELIEF AND DAMAGES UNDER CALIFORNIA HOMEOWNERS BILL OF RIGHTS : 1. FOR DECLARATORY RELIEF ; ENJOIN FORECLOSURE FOR INVALID BENEFICIARY, IMPROPER TRUSTEE [ C.C. 2924 ( a ) ( 6 ) ] 2. TO QUIET TITLE TO REAL PROPERTY ; 3. CANCELLATION OF INSTRUMENT [ C.C. 2924.11 ( D ) ] ; 4. PREVAILING PARTY FEE AWARD CC 2924.12 5. UNFAIR COMPETITION LAW [ C.C. 2924.12 ( G ), B & P CODE 17200 ET SEQ. ] ; 6. FRAUD/MISREPRESENTATION/DECEIT ; 7. FOR AN ACCOUNTING ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Mortgage (Conventional fixed mortgage) with Real Property Title Group LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I started to buy a house and was given a contract that did not list the accurate address of the contract. My mortgage broker requested that the contract be fixed on XXXX/XXXX/15. I had requested several times before and after the XXXX via email and through my realtor and mortgage broker to the attorney representing the seller for my escrow check to be returned. I also lost my job and have sent them a termination letter and a mortgage denial letter for all of these reasons and they now say that I have delayed the process. They do not respond now. The contract was not legal and the seller refuses to terminate the incorrect contract.

Company response to consumer: Closed
Consumer complaint received 07/22/2015 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (NJ).
Issue: Taking out the loan or lease

Complaint: MY NAME IS XXXX XXXX XXXX NUMBER WITH TDBANK XXXXI BUY A CAR XXXX XXXX IN 2009 ..THE STAMENT NO ARRIVING ON TIMEI TALK WITH REPRESENT ABOUT MY CASE ... BUT NO HAVE HELP.. IN XXXX OF THIS YEAR..THEY OUT MY CAR..I HAD THAT PAY MUCH MONEY FOR XXXX, LATE FEE AND MUCH..THE TDBANK NO HAVE THE LOAN FOR CAN SEE FOR INTERNET AN D I CANOT PAY ..IN TD BANK NOTHING BODY HELP ME..IN XXXX I WAS OK..BUT NOW THEY SAY HAVE THAT PAY XXXX. I KNOW NOT FOR WATH.. 
IN DEPARTMENT OF LOAN ONLY TALK XXXX AND MY XXXX IS NOT GOOD FOR EXPLAIN..I NEED SOLVE AND MY TITLLE OF PROPIETARYTHANK YOUXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: On XX/XX/XXXX I financed a car through Credit Acceptance Corp. A small car deaIership XXXX XXXX XXXX but all the paperwork has XXXX XXXX XXXX. I was told the cash price was XXXX then I was told the price of this car was XXXX, but if I financed it. The finance company makes the amount based on the XXXX XXXX value. I was charged XXXX as well as they included GAP insurance which I didn't agree on for XXXX. One XX/XX/XXXX the check engine light came on as well as the passenger airbag disabled. I texted the salesmen a picture and told him I was not satisfied with this car. He said call the service department. On XX/XX/XXXX the car lost power on the beltway about 50 miles from my home. I had the car towed to the nearest repair shop for diagnostic {$170.00}. The repair shop called the car has water damage to one of the main computer modules and the 02 sensor needs repairing the total cost is XXXX. Not to mention the passenger and exterior light problem light. The servicemanager/owner has requested that I have this car towed back to him at my expense which is XXXX. He will look at it and honor his 50/50 limited warranty. which I would have to pay half as well. CAC said I'm still obligated to pay for this car.

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 03/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: At the end of last year I discontinued my XXXX service after nearly 20 years. The customer service rep I spoke with indicated I would be billed for the partial month of service in the amount of approximately {$35.00}. During that conversation the customer service rep mentioned I was also liable for a two-year " contract '' that included a {$150.00} fee, and that my final bill was {$180.00}. I asked to see this " contract '' I had allegedly signed and was told the contract automatically kicked in when I upgraded my service package a year earlier. I spent nearly XXXX minutes on the phone ( much of it on hold ) while I objected to this early terminate fee. Eventually the customer service rep conceded I did not owe the fee, and that I would be receiving a final bill for the {$35.00}. However, when the bill arrived it included the {$150.00} early termination fee. I again called XXXX XXXX and this time the customer service rep was very short with me, and insisted the {$150.00} fee was valid. I explained that XXXX weeks earlier I was assured the fee would not be applied to my final bill. The rep refused to budge, and informed me that if I failed to pay the additional {$150.00} XXXX XXXX would submit to remaining fee to a bill collection agency. They told me not to bother sending a check for {$35.00} because it was insufficient to close my account. Two weeks ago a firm called XXXX started calling my home phone number XXXX-XXXX times per day, at all hours, leaving messages that the purpose of their call was an attempt to collect a debt and any information I provided would be used for that purpose. I have not answered any of these calls, and they have sent invoices in the amount of {$180.00} so I am assuming that this is related to XXXX as I do not have any other outstanding debts, and am concerned this will impact my otherwise unblemished credit rating.

Company response to consumer: Closed with explanation