milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I need help resolving my issues with American Express. My last follow-up to American Express on this matter was on XX/XX/XXXX/XXXX ( EDT ) -contact with several American Express customer service representatives regarding an unauthorized transaction and a letter stating the proverbial " ..be responsible for '' to my credit card-again- on XXXX XXXX, XXXX in the amount of {$730.00}, '' which has taken an inordinate effort on my part, at least 10 times in writing and via phone calls since XXXX XXXX. Through XXXX, I made reservations for the XXXX XXXX. Since this has unfolded as an unnecessary series of frustrating events, it was unbeknownst to us, that the transaction was not processed by XXXX, but sent to a THIRD PARTY, XXXX. A family emergency necessitated cancellation of our reservations, which we did directly with the XXXX XXXX well in advance of the planned stay. Nonetheless, the next AmEx billing statement included the FULL charge of {$730.00}, which we both have we now have disputed multiple times as my husband IS AN AUTHORIZED USER and through multiple platforms since the charge hit my bill. Im very concerned about the toll this is taking on me and my MANY attempts to rectify these issues with all three parties through email and endless hours on the phone over the course of almost seven monthsseemingly to no avail. At no time did I/we conduct business with XXXX. XXXX  recitation of their contract is invalid ; it is not a contract to which we were a signatory. The XXXX has been steadfast in supporting a full refund of {$730.00}, waiving any cancellation fee, and MOST IMPORTANTLY, the XXXX never charged XXXX virtual card. XXXX is prospectively attempting to be unjustly enriched, without having provided a product/service/merchandise. Regardless of XXXX ( undisclosed to us at the time of the XXXX booking ) policy, it is incomprehensible that XXXX would get to retain the full amount. We were not a party to XXXXs engagement with XXXX, therefore can not be bound by what is effectively described as a contract. Finally, nothing XXXX did in the performance of their work warrants retaining the full {$730.00}. They have not demonstrated any costs incurred no cancellation fee charged by the merchant ( XXXX ), no reduction of abilities to secure rooms in the future at the XXXX short, no actual or unrealized costs. Below is the official position of the merchant-the XXXX XXXXreiterating their advocacy of my reasonable requests and pleas, along with documentation the XXXX directly contacted XXXX on several occasions and conveyed the same set of facts and proofs. Thanks in advance for a positive result in this investigation. XXXX XXXX XXXX  XXXX ( XXXXXXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Credit card) with Atlanticus Services Corporation (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone calls from fortiva financial before XXXX and after XXXX. Atleast XXXX phone calls per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Refinanced with Nationstar in XXXX and they refunded me $ XXXX escrow which I informed them was a mistake but they insisted they were right.Now over XXXX months later they admit they were wrong and want the money back.However I am not happy with the options they have presented me

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 Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (AL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XX/XX/XXXX late payment home Depot account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with Home Depot. You see my husband is a XXXX XXXX XXXX XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a Home Depot account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate

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 06-04-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Credit decision / Underwriting

Complaint: Last month around XXXX XXXX, 2015 I notice on XXXX that I had XXXX listings for my mortgage loan. XXXX listing was named Wells Fargo Home Mor mortgage for {$150000.00} the other was named WFHM mortgage for {$150000.00}. I called that day and talked to a representative and explained I only had XXXX loan for a mortgage with Wells Fargo under loan number XXXX. The representative said she will look into but that she could not see my credit and therefore the credit dispute department would have to do an inquiry. I received a letter from Wells Fargo explaining to be that the information on my credit was correct and that they had but some kind of code on my credit and reflecting that I may not agree with their findings and that they will only remove the code after I agree with their findings. I called the mortgage company again XXXX XXXX 15 for assistance in correcting this misinformation I spoke with a XXXX XXXX that said she will request some file because the lien may not have been released. She called me on XXXX XXXX asking for a copy of my credit report with the duplicate listing. I tried to ask for an email but was told I had to send it my fax. The Fax number I was given is XXXX and it would not allow me to send the proof of the duplicate listing. I would like my credit report to reflect that I only have XXXX mortgage. It has put my debt to credit ratio off and it affects my credit score and I feel that this mortgage company is not trying to assist at all. I am also concerned about other people that may not know to come here and make a compliant. Please assist. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Consumer Loan (Installment loan) with Ballybunion Enterprises, Inc (NY).
Issue: Managing the loan or lease

Complaint: I have a loan with Military Credit Services. This company has a few affiliations. I am military and while moving from my past location to my present one I experienced significant financial hardship. I attempted to communicate this to their office to no avail and the account went to collections. 

Since then, with the intervention of CFPB I have a lower payment which has been made on time since XXXX 2015. 

Therefore my agreed payments have been made on time for XXXX, XXXX, XXXX, XXXX and XXXX ( 5 Months!! ) and the company updates my credit profile with " account in collections '' for all of these months!

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX the Pennsylvania Higher Education Assistance Agency notified me about recertifying for the income-driven repayment plan. I completed the form and mailed it, along with supporting documents, on XXXX XXXX. I called in early XXXX to check on the status, and was told I needed to fax it which I did on XXXX XXXX. In XXXX I began receiving late notices and on XXXX XXXX at XXXX XXXX. I spoke with XXXX who said to disregard the notices. On XXXX XXXX at XXXX XXXX I spoke with XXXX who asked me to refax the forms and documents, which I did. Then, on XXXX XXXX, XXXX told me to not make a payment until I received an invoice for {$5.00} ( which I have yet to receive ). Meanwhile, I continued to receive late notices. On XXXX XXXX at XXXX XXXX. XXXX said there was some mix-up, put my account on administrative forebearance, and said she would resolve it. On XXXX XXXX I spoke with XXXX who told me to ignore the enormous interest bill and just wait for the invoice for {$5.00}. She said sometimes they take a while to get processed. However, on XXXX XXXX my bank account was debited for {$4300.00}, after many representatives said just to wait for them to correct it. I spoke with XXXX at XXXX XXXX. XXXX XXXX, who told me to resend the request for the {$5.00} payment. And once again my account was placed on administrative forebearance. Meanwhile the interest charges are skyrocketing and this mess is still unresolved. I have once again been placed on forebearance. All I ever requested was a reduced payment due to a change in circumstances. It does not seem like it should take almost a year to process this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Application, originator, mortgage broker

Complaint: In 2005, XXXX XXXX received an advertisement from Wells Fargo Bank offering her a chance to participate in a " Special Government Program '' which allowed her tax-free money, " plus you wo n't have to make a payment for as long as you live in an own your home ''. She was left with misimpressions about the product. She was confused about the reverse mortgage being a loan, left with a false impression that it was a government benefit that would allow her to stay in her home for the rest of her life. The ad was incomplete/and or contained inaccurate information.

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 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this compliant this because Experian has ignored my request to provide me the documents that thier company has on file that was used to verify theses accounts. Being that they have gone past the 30 day mark and can not verify theses accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which not can not be verified that have disputed. Please reslove this matter as soon as possible. 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 non-monetary relief
Consumer complaint received 09/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I received and accepted an offer on a condominium in XXXX XXXX XXXXXXXX on or about XXXX XXXX, 2016. The closing was scheduled for XXXX XXXX, 2016. I was asked on XXXX XXXX, 2016 to give the closing agent a two week extension, which I granted. XXXX XXXX, I was asked for another 2 week extension, as the closing agent had been unable to acquire the Assignment document and number from the mortgage servicer, OCWEN Loan Servicing , LLC of XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. My account number with OCWEN is XXXX. I spoke with the closing agent yesterday and was informed that OCWEN had asked for another 48 hour extension to provide the information. My buyer is about to withdraw the offer due to the delays. Can you help me in obtaining the required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent Springleaf financial a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company did not respond. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX has reported XXXX inquiries to the Experian credit report that do not belong to me, dated XXXX XXXX and XX/XX/2016. The report lists these as bank credit card requests. Experian has not allowed me to make an online dispute, remove these from the report and place a fraud alert on my account. I am understandably concerned. Someone else had made these credit requests.

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 06-10-2015 about Credit card () with TD BANK US HOLDING COMPANY (PA).
Issue: Other

Complaint: I had a credit card account with TD Bank / Target. The account was included and discharged in chapter XXXX bankruptcy. This account is showing a status of " CHARGED OFF ''. I disputed with the credit bureaus and the account came back as verified. I sent a certified letter to the creditor XXXX months ago and have not received a response. I then once again disputed the account with the credit bureaus and once again it came back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had originally purchased a set of bar chairs for my kitchen from XXXX ( Creditor : XXXX XXXX ). At the time of purchase I was told that they only had one in stock but that they could sell me the showroom model as well. Once both were delievered I realized the chairs were different and did not match. Naturally, I called and had one of them returned with the expectation of ordering another of the same type. This is where the problem started. It was after the return of the chair that XXXX failed to credit my account for the chair I had sent back. After many attempts to get the credit they refused. As a result I did not pay them for the chair as I had no intention of paying for something I did not have in my possession. After futher disputes they agreed to credit the account, however, they subsequently sent off the interest earned to a collection agency PORTOFILIO RECOVERY ASSOCIATES without my knowledge. It was my impression that if the account was credited that in of itself meant the creditor acknowledged the debt was not mine and as a result any interest acrued was not mine either. I was wrong, I started to receive debt collection phone calls from PORTFOLIO RECOVERY ASSOCIATES and in order to rid myself of the debt ( under {$1000.00} ) and reduce its effect on my credit I opted to pay it off completely. Nevertheless, I am not satisfied and would like this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDFIRST BANK (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Midland Mortgage Company and I had a loan agreement for the amount of {$120000.00} to purchase a house. The agreement open date began in the month of XX/XX/XXXX. Payments I made totally of {$110000.00} were made. My inability to continue the monthly agreed payments or refinance led to a foreclosure in XX/XX/XXXX, with a remaining balance of {$9800.00}. The house was resold upon the date of XX/XX/XXXX, for {$74000.00}. The bank or lender recovered over half the balance of the loan, and the proceeds were applied against the amount remaining on the loan. The credit report shows inaccuracies, and the information has not been removed.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to contact each credit reporting services but is unable to find a telephone number to a live person to explain myself to. I have found numbers on line but sometimes are routed to sometime of third parties that charges some type of fees. Then tell you after your credit card is charged that they will forward your concerns to the credit agencies. 

I have also tried to fill out information on one of the agencies site but is being rerouted to third parties cites. 

I understand that you not be able to do a lot but I thought i would try reaching out to a government official site 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
Consumer complaint received 10/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit card protection / Debt protection

Complaint: On numerous occasions I have receive a new credit card because of a supposed data breach. Because I use these credit cards to automatically pay bills I must, once again, fill out new information pertaining to the new card. I called Bank of America and XXXX attempting to find out what merchant, on line, in store, had the breach so as a consumer I can discontinue doing business with them with that merchant. After spending one hour speaking with Bank of America, XXXX and then once again Bank of America I am informed that because this is an on going investigation no one has that information. Apparently It is the law. A representative of Bank of America guaranteed me that a breech from this merchant would not happen again. Of course that is a lie. The only way to prevent this happening again is to stop conducting business with this merchant. Problem is know one seems to know. When is this information provided to the consumer?? Help

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: Equifax keeps lowering my credit score even though I have not had any late payments etc. The first time they lowered it by 30 points with no explanation and today I saw they loweted it by 5 more points with no new accounts etc.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX X/2016 Not my account Fraud account identity theft

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