milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (DC).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I made a purchase from XXXX XXXX XXXX XXXX in XXXX using a store credit card. In addition to the store credit through the card, I made an {$800.00} cash down payment. I later returned the item, and XXXX refunded my down payment. I assumed that my account balance was XXXX, because they sent me a refund. 

I continued to receive mail from XXXX which I ignored, because they send lots of marketing materials and because I had returned the item and received a refund. I received a letter that looked differently recently, so I opened it. Apparently XXXX had charged me for the following items which were through a third party : " Credit Life Premium '' for {$1.00} - Account Assure " Credit Disability Premium '' for {$2.00} - Account Assure " Credit Unemployment Premium '' for {$2.00} - Account Assure I was unaware f who the third party is, what these premiums were, and why they were charged. I had no knowledge of their existence until I received late penalties. 

I called to try to resolve the issue, pay the balance, and close the card. The number I called from the bill was XXXX. A XXXX robot told me to enter my social. I did. They then transferred me to XXXX XXXX ( the supplier of the XXXX card, apparently ). The people at XXXX accepted my payment but told me they could not ( 1 ) tell me where the charges came from, or ( 2 ) close the account. I was informed that this would need to be done by the customer service department. They " transferred '' me, but I was disconnected. 

I did the same thing again ( called the XXXX number, entered my social, waited for rep, explained i wanted to close account ). She again told me she would transfer me to customer service. I asked for a phone number this time and was told XXXX. The call again was dropped. I called the new number, was greeted by another XXXX robot, entered my social again, and was connected to another rep who could n't close my account - but offered to transfer me to customer service. 

I demanded to speak to a manager, who eventually transferred me to a manager 's direct line at customer service. This person was able to cancel my card. They were also able to tell me the account history, which is how I first discovered the three " Premiums '' totaling {$5.00} that remained on my account even after I received a refund on my debit card. These charges, which I had no knowledge of, were also a mystery to the supervisor. He did not know what they meant, but was magically able to assured me I had authorized them. 

My complaints are : ( 1 ) opaque, mysterious, unauthorized billing for the three " Premiums '' ( 2 )  misleading " refund '' - which led me to assume I did n't owe them money ( 3 ) unreasonable late charges ( {$9.00} on a {$5.00} balance ) ( 4 ) Phone system deliberately designed to make it exceedingly and unreasonably difficult to cancel a card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/19/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed a 30 day late pay on XXXX. It is being reported XXXX XXXX I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In my credit report I see a collection of {$230.00} from PARAGON REVENUE GROUP, XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX. 

Original Creditor - XXXX XXXX XXXX UNIVERSITY This debt is not mine. I never received or authorize any medical service from XXXX XXXX XXXX UNIVERSITY in 2013.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (KY).
Issue: Trouble during payment process

Complaint: I opened my mortgage loan with Greentree Financial in XX/XX/XXXX for a total of {$30000.00}. My interest rate was 12 %. The loan passed to the hands of XXXX, back to Greentree, then finally to Ditech. During the duration of my home loan, I did have financial issues resulting in placing several payments on the back of the loan, which I made interest payments on those payments at the time. I was forced to file Chapter XXXX in the late XX/XX/XXXX 's, which was discharged in XX/XX/XXXX, I believe. There were extra costs incurred by Greentree at this time regarding the bankruptcy. It was explained to me at the time that those costs were listed as Corporate advance on my statement. Which until a few months ago was in the amount of {$2900.00}. In XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this amount decreased each month to currently {$2200.00}, I do not know why. I had contacted customer service several months ago to inquire about why my payments were still going mostly to the interest and not the principal. I never received an answer, when I asked what would happen when I made the last payment in XX/XX/XXXX of this year, I was told I would just keep paying. I then contacted an attorney to help this situation. After giving him my loan papers and the ammoritization of payments he instructed me to request binding arbitration, which I did in XX/XX/XXXX. This did nothing, except add {$700.00} to my XX/XX/XXXX payment. Ditech found fees from XX/XX/XXXX that had not been applied to my account. The customer service rep could not tell me what the fees are for. The only paperwork they have sent to my attorney was an ammoritization of payments, which he says does nothing to explain why I still owe 80 % of the loan amount 20 years later. I made the last contracted payment this past month, Ditech has reported to the credit bureaus that I am delinquent on my account. My attorney contacted me last week stating Ditech had sent him a letter informing him they were going to start foreclosure proceedings against me. I am not going to sign any paperwork to continue making payments on an amount I do not believe I owe. I did inform Ditech I would still be making payments equal to the house payment, towards the Corporate Advance amount. I believe I do probably owe extra regarding interest accrued for late payments, but I do not believe that amount to be {$21000.00}. I am at my wits end regarding this issue. When speaking to customer service I have asked for a supervisor, or a higher person to discuss this with, being told they would call me back. Those calls were never received. The only explanation I have received is it is late fees, the paperwork sent does not explain how Ditech has accrued this amount. Any help or information is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On   XX/XX/XXXX  we had a severe thunderstorm that  disabled   my   XXXX   yr.  old    XXXX   XXXX   49 '' lcd TV. I have supplemental Home Insurance Coverage w/    XXXX   XXXX   XXXX  . in   XXXX   XXXX   Fl . - XXXX - Acct. #  XXXX . I called to file a claim, the automated voice asks problem, if TV press certain #. Spoke w/ Cust . Svce. who advised " claim denied- TV 's not covered '' .Their Booklet shows items covered w/  ELECTRICAL SYSTEM listed.Wh en I joined i n  XX/XX/XXXX  I  was told by Cust. Svce that " ANYTHING connected to Electricity or Water was COVERED-Period  ''! I com plained via their Website Email today   XX/XX/XXXX . I  was unable to find a local TV Repair so I went back to   XXXX   XXXX   in  XXXX , NC   XXXX   XXXX   XXXX   XXXX    where I had bought the   XXXX   in   XX/XX/XXXX .  It was out of warranty so I asked for a low cost replacement- ( retired- $ limited ) .I have a   XXXX   XXXX   Card that I have used for years to buy printer ink- also exchanged a defective Printer twice recently. I found a similar   XXXX   XXXX   & requested a 2 yr. Finance Contract-same as I used 2 yrs. ago.
The request was denied b y    XXXX   XXXX   /  XXXX   XXXX   - Acct. Closed. The sales person re- entered the info requesting a new Card. Denied again. I had gotten " over my head '' w /  2 Cred it Cards ( my fault ) & was advised by an Attorney to file Chap.  XXXX . I did & it was dis- charged   XX/XX/XXXX . b ut to this date   XXXX   XXXX   has REFUSED to report my  XXXX  debt which was paid  off  XX/XX/XXXX  up  to this date. I explained this to the salesperson -nothing they could do- & purchased an Open Box ( returned ) similar TV for {$450.00}. Finally, as for this credit problem, I am looking to trade my   XXXX   XXXX   for a less expensive model which will lower my expenses by aprox. {$300.00} a mo. I have NO bills since Chap.   XXXX   & have never missed a pymt. with ANYONE. My SSI & Pension are {$2000.00} NET a month, my Current Credit Score is   XXXX      XXXX   XXXX  ,   XXXX   the   XXXX   others. Since the   XXXX / XXXX   rejection I 'm afraid I may not be able to make the car trade w/ a Co. like   XXXX   XXXX   ( lower rates etc ). I should be able w/   XXXX   since I 've been with them 2 yrs. & have saved {$2000.00}  XXXX  for a  XXXX  model- selling for {$12000.00} Max. That 's my story.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have requested a verification of this account several times, I don't believe they have the right person.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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: To comply with the Uniform Commercial Code in a state, a UCC-1 Financing Statement must be filed with the Secretary of State, by anyone who makes a claim against any other person in the area of commerce. All government agencies, ( city , county, state and federal ), operate in commerce and all of them are private corporations ( persons ). I am enclosing a copy of a UCC-11 Information Request to show proof that there is no public record of any debt being owed to any corporations. Due to these findings it is imperative that any credit reporting bureau that are listing this inaccurate account on my report, be removed/deleted immediately being that there is no evidence to show that a debt is owed to them. I hope you find the enclosed information sufficient to conduct your investigation so that you may enforce the laws designed to protect the public from misleading or unlawful business practices.

Below you will find the account that are currently being disputed : 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 04/21/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I received a car loan  through Santander Consumer i n the year of   XXXX   XXXX   and I had Financial hardship due to a pending divorce is  XXXX  issues have got my car repossessed in  one day a nd but then receive car back the same day. I recently went on my credit report because I was looking to purchase another vehicle through a different company and noticed a Santander Consumer had placed and repossession on my record I was not informed that the car was going to be listed as a repossession. When I got my car back from  Santander period now three years later I have at Santander Consumer if they c ould unlist the car as a repossession on my credit report and they have declined to help me. Being that the car is still listed as a repossession on my credit report I am unable to obtain another vehicle in my name because of  Santander Consumer. Santander Consumer have no regards to people with financial hardships and do not care about their customer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: We successfully completed chapter XXXX XXXX XXXX. Contacted Wells Fargo to take over loan payments and was told the loan had past due amount of $ XXXX. I got and compared their transaction history ( {$83000.00} ) to trustee payment history ( {$88000.00} ). I sent certified letters to them on XXXX and XXXX and have since made XXXX phone calls to their California bankruptcy department and the issue is still not resolved.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX 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 explanation
Consumer complaint received 09/30/2016 about Mortgage (VA mortgage) with Stearns Ventures, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is currently with Stearns Lending. Over a month ago we sent them a check for {$25000.00} ( insurance claim check that must be cosigned by them to repair hail damage to our home ) and submitted all of the required paperwork to include a signed contract with a local painter to begin our repairs. XXXX is fast approaching in Colorado making outdoor labor very difficult and yet still no check from them???? It appears they have a sub-contractor that handles insurance claims in the name of XXXX in XXXX S.C. Our money is NOT in our regular escrow account so we suspect that all of the " stall and delay '' actions taken by XXXX are intentional and they are profiting off OUR insurance money?? Pretty sure what they are doing is illegal on several fronts but I should leave that up to you to decide. Regardless we need our insurance money so that we can pay for the repairs to our home. Every time we call there is a new reason ( not on the checklist ) for our money not being sent??? I XXXX this company and it appears that I am not the first person to be jerked around continually by these criminals.

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 10-07-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing

Complaint: Amex advertised a special increased bonus points offer for their expensive Platinum card with a required XXXX $ minimum spend within three months. After I received the bonus, I had to refund an airline fare. The reason for the airfare refund was my finding a lower fare for my vacation. The lower fare by the way was also charged on Amex card, just not the Platinum card. The bonus points were awarded right after a month into account being open. However, almost four months after account was open, I received a mail letter that my points were deducted. They pointed to their terms and conditions clause about fraud, essentially accusing me of fraud for refunding my airfare. Although the airfare refund happened two months after account was open, they waited to deduct the points well past the three-month qualifying minimum spend period for the point bonus. After I got no luck with my complaint with the company, I closed my cards with them. I also looked at the XXXX XXXX XXXX and noted that they said NOTHING about not being awarded point on returned purchases. Perhaps that is why they needed to accuse me of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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: XXXX XXXX XXXX is reporting that my account has late payments but they are not reporting it correctly and I have asked for a dispute and Experian did not correct the wrong information. XXXX wrote me a letter about my missed payments and it does not reflect my credit report. They did not report the 1st missed payment and the account has no date listed when it will be removed. The has been going on since XX/XX/XXXX. 

acct XXXX open date XX/XX/2012

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 01-03-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: OnXX/XX/XXXX untiXX/XX/XXXX my student loans were placed in deferrment without my permission. I was completing my dissertation at XXXX XXXX University but was still able to work full time and make my payments. I had automatic account deduction set up so I had no idea that my payment was not being made. 
When I found out my loans were in deferrment, I called and asked the servicer to remove the deferrment and to never do that to me again. Little did I know that the deferrment had gone on so long and I had accrued over XXXX in interest during my deferrment. 

Now, unless I make a lump sum payment of over 8000 dollars, none of my payment will go toward the principal amount because all payments from now for the rest of the year will strictly go toward accrued interest and new interest before being applied to principal. This is not fair. 
1. Complaint, policy that allows any company to put your loan in deferrment without specific permission from the borrower. 
2. Complaint, the ability to apply all my payment toward interest of interest before any principal can be touched makes it impossible to get out of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Deposits and withdrawals

Complaint: My IN-LAW used Wells Fargo SurePay to transfer money to my Wells Fargo account. My In Law provided my account number and name in the process. She attempted to send XXXX on XXXX/XXXX/16 but as of today, Still have n't received it. Wells Fargo said it was " Successfully '' transferred.. but instead.. it was sent to XXXX XXXX XXXX. So I contacted XXXX XXXX XXXX, Let them know what 's going on and they said they have nothing to do with it. I am a previous XXXX XXXX XXXX customer. But still, that have nothing to do with it. My IN LAW was tried to dispute the XXXX with Wells Fargo but instead, she was told that it 's up to XXXX XXXX XXXX to Re-Direct the money back to where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Paid the amount agreed. Contacted the company they said I honored our agreement but the have XXXX to report this to the credit bureau.

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 03-01-2016 about Mortgage (VA mortgage) with LOAN SERVICING GROUP (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I recieved a notice in the mail concerning a shortfall. The letter was dated for XX/XX/XXXX but I didnot recieve until XX/XX/XXXX which stated my payment would go up XX/XX/XXXX, the next day. After waiting on the phone three time ranging between 20 to 35 mins only to be disconnect by a frustrated unprofessional who did not like the question being asked of her. I just wanted to be assured my payment would go effective causing no increase or late fees. The Internet service for this company XXXX too! I 'm currently looking for for a new mortgager.

Company response to consumer: Untimely response
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Under CFPB case  XXXX ,   XXXX   XXXX   informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided   XXXX   XXXX   a copy of a police report filed with the   XXXX   Texas police department and a identity theft report from the Federal Trade Commission.   XXXX   XXXX   informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (   XXXX    ) which was received by   XXXX   XXXX   on  XXXX   XXXX , 2017.

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