milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (SC).
Issue: Credit line increase/decrease

Complaint: American Express executive office relentlessly violates my consumer privacy FCRA rights. I reported compliance fraud against their overseas underwriting dept & filed a case with XXXX XXXX XXXX # XXXX 5mths ago about terroristic calls from the Servicing dept. They are constantly denying my credit limit increase using false accusationsof which I have faxed & verified to chairmans office that I have requested executive assistance with in my country & they are refraining to process submission know that my scores are high & my consumer profile is free from derogatory information. I am a US. XXXX XXXX Citizen & American Express is violating my consumer integrity with solicitous lies & slander. I have proven them wrong for 6mth that their excuses for US service is un-lawful. The calls have been recorded & they are purposely routed outside the US to hack into my financial affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I tried contacting XXXX on XX/XX/XXXX via correspondence USPS tracking number XXXX. The late payment dates for XX/XX/XXXXto XX/XX/XXXX ; XX/XX/XXXX to XX/XX/XXXX is incorrect, I was currently attending school full-time at XXXX University. Qualified for In school deferment. Loans was not placed in deferment status.

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 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: On XX/XX/XXXX I purchased a XXXX car rental reservation for XX/XX/XXXX through XX/XX/XXXX in the amount of {$340.00}. 
My XXXX reservation was booked with XXXX at XXXX XXXX XXXX XXXX in XXXX, NY. 
Upon arrival, I showed my printed out reservation from XXXX to receive my prepaid rental. The agent notified me I needed to pay for a {$500.00} refundable deposit. I was aware a deposit was needed, but not as high as {$500.00}. I did not have the money on any of the cards I traveled with, so we asked if my fianc could put the deposit on his card. The agent assured us she could modify the reservation to his name, but we would still be using our XXXX prepaid reservation. 
My fianc used his debit card to pay for the deposit and we were shortly on our way. 
Upon returning our rental, the agents had difficulty finding our reservation. Finally, they found it and issued a receipt. We hurried to our airline counter to receive our boarding passes so we can make our return flight home. When we reached our gate, I realized that the total charges reflected showed they were debited from my fiancs XXXX card in the amount of {$380.00}. 
I called XXXX about this and they said to contact XXXX. I called XXXX and they said that all sales are final and because we changed the reservation name, my XXXX reservation shows that it is unused and they refused to refund the amount. I explained to the XXXX representative that the XXXX agent at the counter made this modification because of the deposit. She still blamed me, the consumer, when I had no idea what the agent was entering into a computer behind the counter. It was the agents duty to make us aware that the reservation was now put under my fiancs name is considered a new reservation & not a prepaid XXXX reservation. If made aware, no one would have allowed this transaction to be created in the first place, resulting in an overcharge. 
The credit card I purchased my XXXX reservation with is Discover. I called Discover and opened a dispute on XX/XX/XXXX. This dispute is still in progress 5 months later. I have documentation showing my fiancs card was charged for the full reservation amount as well as my credit card. We have now paid for the exact same rental, twice on two seperate credit cards and after 5 months with Discover, there has been no resolution and my dispute is under final review for another 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (Medical) with Credit Management Control, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I know CFPB is getting tired of me but until this stops I have no choice. 

I have submitted two complaints to CFPB concerning a medical bill that is not mines that had been reported by XXXX Case Number XXXX & XXXX. It was proven that they had been lying about this file and kept reporting this even though the file had been proven to not be mines and lying to CFPB about them deleting this file. Notice after I proved that they were lying they never responded back. The reason they never responded back was because they were to busy finding another collection agency to report the false file. XXXX sold the file to Credit Management Control and they have reported this in both XXXX and XXXX reports. This is really getting out of hand and I am about ready to take legal action against these people. This medical bill is not mines and it had been proven with XXXX. Why is this file jumping from XXXX collection agency to the next after being proven false?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There has been a hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 

XXXX Date Filed XX/XX/2017 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address 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 10/23/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived at the XXXX XXXX XXXX XXXX address listed on my report. I was a victim of attempted fraud by a person using my name and SS number there. Luckily I was contacted by the merchant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have XXXX paying my credit cards and payemnts have been made ontime for the last year yet I have laste paymnets showing on several credit cards from XXXX thru XXXX. I have yet again been denied for a home loan because of this and am extremly frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 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: Information belongs to someone else

Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in  pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX  and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX, 3. XXXX XXXX XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any

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 07/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid off my mortgage balance with Nationstar Mortgage in XXXX XXXX t ts They They They sent me a payoff statement saying my balance was $ XXXXwhich included prepaid interest through XXXX XXXX of {$360.00}. Thispayoff statement said the daily interest was {$12.00}. 
I sent a cashiers check by overnight mail ( cost me {$19.00} ) on XXXX XXXX. 
I have written proof that Nationstar received my check on XXXX XXXX. It wawas signed for by someone named XXXX XXXX. I have written proof thatNationstar did not post my check until XXXX XXXX. I received a checkfrom Nationstar for what they called 'payoff overages ' on XXXX XXXX, XXXX {$97.00}. It would appear that they calculated my refund of prepaid interest based on the date they posted my check ( XXXX XXXX, 2015 ) andnot on the date they received and signed for my check ( XXXX XXXX, 2015. ) By my calculations Nationstar has not refunded me all of the prepaidinterest that is due to me. Based on their own statement that shows theinterest calculated at {$12.00} per day, I am owed approximately another {$60.00}. I have contacted them numerous times, both by phone ( once Iwas kept on hold for XXXX minutes ) and by mail. After over XXXX months thisissue still has not been resolved. My last letter from them was sent tome on XXXX XXXX, 2015. This letter contained convoluted double-speak. 
Nationstar claimed that 'the error asserted within my correspondencedid not occur on my account. ' But in the next sentence they say that'they have addressed the error with the payoff date being incorrect andwill have the corrected date reflect XXXX XXXX, 2015. ' Then they add that'furthermore, the notice and funds due if any will be sent in a separatecover. ' They do n't say when, how much, or even if ( for sure ) I will everreceive more funds. In the last paragraph of their letter, they say that 'I have the right to access the documents and relied upon in theirinvestigation, but because these documents are considered internalinformation, I need a subpoena or legally proper request to do so! 'This matter has not been resolved to my satisfaction. 




was sent on XXXX XXXX, 2015. 
XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid an extra mortgage payment towards the next month in addition to the current month so I would always be one month paid in advance. Every year when a escrow adjustment is made to my mortgage payment that extra payment disappears and I am sent bills for the current month. I specifically called wells fargo bank and told them I did not want to put the payment towards the principal but to the future months payment. They put the payment against the principle so I am NOT paid a month in advance after all. Then to make matters worse I get XXXX stratements per month confusing me even more. They take advantage of XXXX and hope they can not keep up with the billing and duplicate billing.statements

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 08/25/2016 about Debt collection (I do not know) with Navient Solutions, LLC. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a voice-mail from XXXX XXXX at Pioneer Credit Recovery ( XXXX ) on XXXX/XXXX/16 at XXXX In the message she asked me to call her back about a teacher I work with, XXXX, with a reference number. I texted XXXX first to see what it was about and she said this woman had been harassing her and also contacting XXXX 's family members. I do n't know why she called me, but it seems like harassment to contact co-workers about a person 's debt. I did not call XXXX back and blocked the number. I do n't know how she got my name or phone number.

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 03/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My credit report shows one amount and the collections say I owe another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, Wells Fargo allowed this unauthorized charge to come out of our checking account:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called Wells Fargo immediately and also called the XXXX number listed above. It turned out to be loan servicing for XXXX XXXX financing - XXXX XXXX. XXXX XXXX researched the charge and found that the charge went through ACH and was supposed to be a payment to them from their customer XXXX XXXX XXXX who has the same bank account number but a different routing number as we do. We made a three-way conference call with Wells Fargo and XXXX XXXX to explain the problem the same morning we discovered it - XXXX XXXX. XXXX from XXXX XXXX explained to Wells Fargo that this should n't have been charged to our account and we explained it but Wells Fargo refuses to even give us provisional credit for this huge amount of money they allowed to be withdrawn from our account. XXXX days later, we 've called them almost every day and still no refund. Please help us get our money back. By the way, we have had accounts with Wells Fargo for more than 15 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-11-2016 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Deposits and withdrawals

Complaint: I went into the Navy Federal Credit union on Monday, XXXX XXXX, XXXX and discovered {$4800.00} was taken from my bank account. After a spent 4 hours going round and round in a circle, I was informed that collection removed the funds from my account due to a charge off account for a bad check in XXXX. When I asked for document required this i was told that if is Navy Federal Policy and there was no statue of limitation for their actions. To my understanding this account was paid in full. I asked for documents and to this day I have not received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Issue : Lab tests ordered by a doctor ( XXXX XXXX, XXXX XXXX at XXXX ) I did not even recognize nor have visited. I did not authorized the tests ordered.
Action taken : Called the debt collector and was advised to speak the doctor 's office directly. Then tried calling the clinic several times and was on hold for hours with no personnel helping me clarifying the situation.
Dates : various in XXXX  2017 Amount : 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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Called transunion to dispute inquiries on credit report. I was told to contact the companies. I contacted  two companies that basically gave me the same response : contact the credit bureaus have no process to   change credit reports! I am  XXXX  and not very say with computers. I attempted again to get assistance from transUnion with no avail ... contact the companies. I do not know what else to do. I have several inquiries that did not have my permission to pull my credit.  XXXX   XXXX ,  XXXX  and  XXXX  are the only companies given my permission. I was very specific with not running my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Wrong amount charged or received

Complaint: When I am sending money from Western Union using Mobile application, they are giving different/lower rate, while when I send money from Westernunion.com website. It shows different rate. 
I thought mobile app is only for purpose of making it easy as Western Union never mentioned about rate differential/reduction if we are transferring it via mobile app.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with SYNCHRONY FINANCIAL (LA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is an address on my credit report that is not  one  of my addresses. It is a Nevada address. I have never lived in Nevada. However I did have credit cards that have been compromised that the address was in Nevada.

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 08/17/2016 about Payday loan () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Charged bank acct wrong day or amt

Complaint: On XXXX XXXX 2016 My Capital One Visa credit card account was charged XXXX by the XXXX XXXX XXXX company located at XXXX XXXX XXXX XXXX XXXX Florida . 
My son used his ( joint ) visa credit card to pay for a cab ride from XXXX to XXXX XXXX XXXX XXXX, a XXXX mile ride. The driver told him he could not print a receipt after he swiped his credit card in their reader machine. 
I alerted Capital One immediately that this charge was fraudulent. They have given me provisional credit twice, and then charged my account back, because the fraudulent party has provided them with a fraudulent receipt. 
I have argued with my credit card company that it is clearly fraud, how could a cab ride cost XXXX? Most likely the short ride cost XXXX. 
They have denied me reimbursement, because the card was swiped which I feel is unfair. They have not protected me from a fraudulent transaction which they claim they offer their customers as a protection benefit. 
Whoever this company is, they do not have any phone numbers, etc. and are most likely preying on students, etc. 

Please let me know if I have any recourse with my credit card company, they have closed my case. 

Capital One case # XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion is reporting account number XXXX with XXXX that is an Authorized User account and is not mine. This account was never mine and should have never been on the report.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SELECT PORTFOLIO SERVICING, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in 1998. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was XXXX XXXX   both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation