milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This is about the American Express ( The XXXX XXXX Card ).  This is probably the card that I owned for the least period time ( a  year or so and currently already terminated ). I only used it a few times ( probably less than 10 times ). I have called their customer service many many times for the recent at least 6 months. 

It started with somehow they would n't let you set up auto pay while gave you wrong information that let you believed the auto pay was set up successfully. You did n't pay attention, thought everything was all set. When you finally found it out, it was too late and they already charged you for the late fees and interests and kept accumulating. Then you called them back and had them resolved the issue ( you were told ), but they did nothing actually. However they were telling you that they waived your fee and again helped you set up the auto pay - all set was told. Meanwhile, they kept charging you cumulatively. After so many contacts of their customer service, I finally paid the fees and thought this headache was gone ... but found they were still charging you. Called again many times, one time were told the supervisor would call me back in 24 hours ... never did. the last time were told again this was resolved and the fees were all removed ( XX/XX/XXXX ). Then the bill came again .... I called back today ( XX/XX/XXXX ) with the customer service representative 's name and id who I spoke with last time and who told me it was all resolved with fees all removed. Only were told there was no record of this calling!!! Then again telling me they will have supervisor review the case and call me back. When asked for time frame, I was told it could be days, weeks, months or years. Basically no time frame they could provide. My credit score were 800+ ( not sure because of them if I lost any points ). I never had any problems with any other credit card companies except American Express. The current amount they 're charging me is {$79.00}. Even though it is not a big amount but it 's very wrong!! And, I did pay them fees and interest once already even though I do n't believe I should be charged for that. Because I just did n't want to deal with this anymore, But it was not successful to stop them charging me even more. This is become a torture to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (VA).
Issue: Charged fees or interest you didn't expect

Complaint: On two occasions Lending Club received from me a payment for {$460.00} instead of the correct amount of {$460.00}. They rated these payments as LATE and assessed a {$15.00} XXXX XXXX Dollar ) Late Fee for XXXX cents. I think this is a total outrage and if it is not unlawful I can not see why it is not. On XX/XX/XXXX Lending Club received my check payment of {$460.00} and called me to say it was LATE because I did not include the LATE FEE charged for XXXX CENT ERROR. I enclosed a letter a copy of which follows : I am old and copy last payment. This is how it happened twice. Please do NOT consider my account late due to this. You are truly AWFUL to deal with and I have been a very good customer for quite a long time. I am today mailing {$460.00} by first class mail. In time past you never sent an email with actual payment due and it was somewhat difficult to look up. You have corrected this but only to PUNISH your customers. You are AWFUL. IMPROVE. Here is the history which includes the pair of incorrect payments and the fees : ID Date Description Status Amount Hope you 're doing well. We all have a lot going on, so we wanted to remind you that on XX/XX/XXXX your payment of {$480.00} is due. If you have already contacted us or sent in your monthly payment, you 're all set! XXXX XX/XX/XXXX Check Received Posted {$460.00} XXXX XX/XX/XXXX Check Received Posted {$460.00} XXXX XX/XX/XXXX Check Received Posted {$15.00} XXXX XX/XX/XXXX Check Received Posted {$460.00} Balance Overview Loan Status Late ( 16-30 days

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Collection Agency  continues to remove this collection from  XXXX  and reinsert it without my knowledge to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2017 about Credit card or prepaid card (Store credit card) with Colony Brands, Inc. (NV).
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 have an account with XXXX XXXX only one account. I placed an order that can to my hotel address, because I travel for work. I have only one address, but my debit cards are from two different states, because I worked in Texas for over 1 year and I have a mailbox in that state. When I make a payment is should not matter which card I use. Because I used a different debit card, XXXX XXXX has opened a new account with out my permission. I had a problem similar in the past and the company was supposed to merged the accounts together. It should not matter which credit card I use to make a payment as long as I pay the bill. Each time I placed an order, I always had a different shipping address, because I might be on assignment for a few months and see an item that I want to purchase. I am truly concern, because the new order that I placed in XX/XX/XXXX still had my permanent address and suppose to be corrected. I get a call on Monday and today from a representative telling me I we {$35.00} on my account, even though I paid {$50.00}. I was told that the company was unable to mergethe accounts. I only signed up for one account and I should not be paying for 2 accounts. I thinkthat this practice needs to be investigated. I am offended that I have to pay on two accounts. I was  also told that it could take 30 days or longer. I paid {$40.00} for this account that I never new about so that my account would be reflected in a negative manner, but I was told today that I will have to make another payment on this second account again XX/XX/XXXX. This is not accepted, I only have one mailing address not two, But I have more than one debit account from two different states. At first I had stopped ordering, because I was waiting until I lost weight. Now this company is opening a new account as I order items. This is not acceptable and I was not notified. Please investigate this practice.

Company response to consumer: Untimely response
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I opened  Discover credit card b ecause I have been aware there was an offer to transfer balance at 0 % fee if I made the transfer by  XXXX  of this year. I had initially started applying for discover card online, but stopped completing the submission, until a representative from discover contacted me to verify certain information and to complete the application process. At the time, I have again confirmed with the account representative that my balance transfers would be at 0 % transfer fee if done by  XXXX  and he had said yes, which was the main reason why I had decided to open the account with Discover. However, when I went online to register and transfer balance, it showed 3 % transfer fee if done by  XXXX   2017 , which was not what was originally discussed to me. I just contacted discover again this morning, and spoke to a representative and all he can say is that he is sorry and do n't know why that was told to me, but I was only approved for the 3 % transfer fee. It is truly disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My husband non citizen/legal resident was pre- approved for a FHA mortgage through his bank. ( US Bank ) we even checked with FHA.gov beforehand regarding his immigration status to make sure he fit the criteria, and they assured me as a Legal Non Permanent Resident on a Work Authorization he did. US Bank declined him in underwriting after we told them this and submitted copies of his visa, drivers license, work authorization, etc. Saying because of his Visa Type could not verify residency for the mortgage address so he was declined. A few days later. XXXX XXXX approved us for the house FHA mortgage and we closed on our loan with the exact same paperwork and no delays. US Bank discriminated against my husband because of his national origin. After our first mortgage payment we got a letter stating US Bank bought our mortgage and will be our new servicer, so in the end they ended up with our loan! However discriminated againsy my husband with a denial because of his national origin. US Bank should be sued for clear discrimination, this caused us so much unnecessary stress and harm in the home buying process.

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 08/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Got a bill from credit collection agency called to dispute the amount. They added {$100.00} to the bill. The original amount being {$550.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Debt collection (Payday loan) with ZestFinance (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Zest cash has continually debited my account on a weekly basis for various amounts. Despite the original amount not being held with sufficient funds. Each attempt incurred a XXXX dollar ACH fee with XXXX XXXX. Should the initial debit fail several others will take place.I have also noted that the website does not offer the ability to check your account or even offer to take a loan out in my state of Texas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Billing disputes

Complaint: I had a disputed charge on my card for {$1000.00} with amazon, Citi Card put in a temporary credit until the dispute was resolved. The Dispute was resolved and XXXX gave me my credit. I then noticed online that the dispute was still open and informed Citi it was resolved, so the manually reverse the temporary credit. Several weeks letter, I received a letter from Citi that the dispute was resolved and they would reverse the credit, I called them and told it was already reversed. They said, I was correct and to ignore the letter. XXXX days later I noticed my account had the temporary credit was reversed a second time. So now I 'm out XXXX dollars, I 've connected Citi mulitple times to correct the mistake on there end but have been getting the run around. First they told me I 'd get the XXXX put back in XXXX days, I waited, then called again and told XXXX days, I waited, then told XXXX business days. I 've been getting the run around and still out the XXXX dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2016 about Debt collection (Medical) with Transfinancial Companies, Inc (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Reporting to credit bureaus debt that is not mine.

Company response to consumer: Closed
Consumer complaint received 04-11-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Loan modification,collection,foreclosure

Complaint: I became ill and my Dr. told me I needed to go on XXXX, so until that application was processed I requested a modification since I was n't able to keep up with mortgage pmts. I was told repeatedly during every phone call dealing with the Home Preservation Specialists at Wells Fargo that a foreclosure could not be filed on my property while in the process of a modification. I received a summons stating a foreclosure had been filed with a date 8 days prior to receiving a voice mail that the modification was completed, but I was being denied. So, now to reinstate my account, I have an additional almost {$2000.00} in fees regarding the foreclosure that I 'm required to pay to reinstate in addition to my back mortgage pmts. I asked my Home Preservation Specialist why I received a summons when I 'd been told that could n't happen and after being put on hold multiple times, she finally apologized for giving me " incorrect information ''. No further explanation was given, no further assistance was offered. I was later told by a housing counselor that they should have also offered me a partial claim loan, which was never offered or discussed. I was told by Wells Fargo that I had 20 days to pay the reinstatement amount in full or be foreclosed on. When I then asked for the total amount including fees that I would need to pay, Wells Fargo said they did n't have a dollar amount to give me, but that in about 3 more business days, they would fax me the amount. These 3 days are counted in the 20 they gave me to pay. So, now there 's only 17 days to pay the full balance.

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 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In the year of 2013, I contracted XXXX as my cell phone provider with XXXX phone lines. 
As time went out I realized that XXXX had not a good cellphone coverage where I live, I contacted customer support and was given the run around, they told me that I could cancel. Never told me that I had to pay for the cancellation of the lines. 
Next thing you know, I started getting harassing calls from Debt Collector trying to collect {$1500.00} for cancellation. The caller gave me a settlement for $ XXXX put me on a payment plan that everytime I would get paid the money would be taken out in which I agreed. 
after paying the {$1000.00} I noticed that they continued to take out an extra {$200.00}. I called and asked them why, and they said that since I did n't pay the account in one month the settlement would have been cancelled- they failed at telling me this. 
Now I have a balance of {$350.00} and sent me to collections which has affected my credit- they lied to me so for a {$1500.00} I paid {$1200.00} which was {$200.00} over our agreement and now I 'm in collections! Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is a formal complaint against Barclays Bank Delaware ( " Barclays ), XXXX XXXX and XXXX relating to a Barclays XXXX XXXX XXXX XXXX Master Card ( " Master Card '' ) for ( 1 ) failure to safeguard customer information due to a breach of security resulting in theft of airline miles ; ( 2 ) failure to respond and remedy complaints regarding the breach and theft ; and ( 3 ) failure to provide services paid by the customer. 
I am currently Barclay 's customer as I have a Barclays XXXX XXXX XXXX XXXX XXXX Card. I earn airline miles for an XXXX XXXX mileage program administered by XXXX through purchases and activity on my Master Card. I pay fees and interest to Barclays for this program and I have not received the services for which I paid. I have contacted all three entities on multiple occasions and have not received responses or a resolution to my concerns. 

Due to character limitations, see attachment for full description of complaint.

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 contacted Ex peria 
n in XX/XX/XXXX about a dismissed bankruptcy that is showing on my bankruptcy report. Per the rules enacted on XX/XX/XXXX this bankruptcy does not meet the requirement of Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth ; and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days.

Secondly when I receive a response when I disputed in XX/XX/XXXX I was told that it was verified through the court. I received this response from the court on XX/XX/XXXX. Stating that they do verify this information with the courts. 
Although it is credit agency policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

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 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have always had big issues with XXXX XXXX and Navient offering XXXX '' at the rates that they do. I was sent offers and decided it was a good option at a time I did n't have funds to move, thinking that I could pay it off relatively quickly. I ended up taking out a {$13000.00} loan at 14 %! The bigger trick to it all is that it is a loan you ca n't refinance. I spent 3 years of XXXX struggling to keep up and having to do forbearance on other loans. I tried to refinance and it was n't an option. I ended up getting a lump sum loan from my wife after we married to pay this off. 

My biggest issues are that these are predatory practices .... aimed at targeting a population that they know is a safe loan ( meaning it should be a low interest rate ) but also know the burrowers ca n't pay off until 3-6 years have passed. Hiding in the inability to refinance these loans is a good business move for them but a shot against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 noticed a XXXX account on my credit report- which was not mine. I contacted the company and they told me they did not have my information. I then contacted experian on X/XX/17- was told that my personal information may have been mixed up with someone else and they would investigate however, it remains on my credit report. I called again and was getting the run around

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  , Equifax,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by credit karma that my score has been declining, and the accounts we 're opened without my consent.
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Equifax 1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX

Company response to consumer: Closed with explanation