milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: On or around XX/XX/XXXX, before my travel, I contacted American Express ( AE ) and informed them about my travel. From XX/XX/XXXX, thru XX/XX/XXXX, we made several calls to AE to discuss credit card account ending : XXXX. However, none of the AE representatives ever asked for any financial documentation, they asked income related questions but never asked to provide any documentation, On XX/XX/XXXX, while I was in XXXX I received an email from AE asking for financial documents ; I was given 14 days to provide these unspecified documents. It is my understanding that per Credit CARD Act of XX/XX/XXXX, a creditor shall provide a written notice not later than 45 days before any significant change. I tried to send a reply, but the email was returned undelivered. So I went online to have a chat session with XXXX, an AE online account specialist. XXXX put a note on the account about me being in XXXX and to provide needed documents on my return on or about XX/XX/XXXX. 
On XX/XX/XXXX, AE cancelled my account. Here are my arguments : I used AE card before my departure for a higher amount and paid the account in full and kept my account current and in good standing. I have other credit card accounts with AE none of them ever became past due or were late in payment. 
I notified AE at least two weeks before my travel XX/XX/XXXX, if any documents were needed why AE did not ask at that time. 
XX/XX/XXXX AE blocked further transactions on my account without any notice. 
I chat with XXXX on XX/XX/XXXX, and he put a note on my account. XXXX did not inform me that XX/XX/XXXX, is too late, and AE would cancel this account. 
On XX/XX/XXXX, I paid my AE account number ending : XXXX in full. I paid {$5300.00} and kept this account current and in good standing. 
On XX/XX/XXXX, while I was on a travel trip in XXXX, I was robbed XXXX. After the robbery incident, I notified American Express ( AE ) about this unfortunate incident. 
After coming back to USA on XX/XX/XXXX, I filed a claim with American Express ( AE ) and on XX/XX/XXXX I received a letter from AE, denying my claim. The above reference Purchase Protection claim XXXX # XXXX ) was denied by AMEX XXXX XXXX. 
As of this day I have not received any written notice and given no reason for the cancellation of this account. AE violated their purchase protection policies, prejudice my claim and closed our current and good standing account so they can ignore this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Just recently my loans were put on " extended '' repayment plans. They just arbitrarily changed without my consent or approval to a 30 year payment plan! Ridiculous especially with the 9 % loan! I would have paid it 3 times over! I have called and complained twice now. I had to force their hand about not having anything authorized by me to change my payment plan and to put me back on standard payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction issues

Complaint: It appears that PayPal has locked or closed my account but the unbelievable part is I believe I still have a positive balance in the account, there has been zero notification ... I feel this was intentional because perhaps they are very unprofessional and are upset I 've filed disputes against them ... I 'm not positive there is money in the account because I tried to do a refund but ca n't log in and have n't received any further notifications. It would be very very bad however if they are locking people 's accounts and holding money and then just expect consumers to have to call and work things out or whatever they may expect. What it is, it would be wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They harass me continuously. Calling my cell phone, Calling my wife 's work phone, and also my work. I 've told them multiple times to quit contacting my wife and my work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have two consolidated loans that I am paying off. I took them out with XXXX XXXX and started paying them back late XXXX or early XXXX. Navient took over these loans in XXXX I believe. I have automatic payments since payback period took place and have never missed a payment. I look at my statements every month to see the total slowly going down. In XXXX of XXXX my statement said I owed {$49000.00} and previous statements showing this total going down each month. My XXXX statement said I owed {$52000.00}. {$3300.00} was added to my loan and I ca n't get an answer as to why. I have been paying back this loan for almost 9 years and now extra interest is being added on and Navient keeps giving me different answers. It has been 4 months since I 've started my inquiry. I have had 4 chat conversations of which I 've saved and 3 phone conversations. Every time I get a different reason as to why with no solution. In the end they tell me they are going to send it to their research team and I should hear back within 14 days. I 've heard back twice with a form letter explaining how interest works and a second letter saying Navient took over my loan from XXXX XXXX. Neither of which answers my question as to why after almost 9 years of paying back my loan they added interest of {$3300.00}. I talked to a supervisor yesterday who ca n't explain it and again she said she 'll send it to the research team. I do n't know what else to do. I received two answers saying my graduation date was changed in the national student database of which I then had XXXX University correct it. That did n't solve it. I 've had them say they do n't see an issue even after showing them my monthly statements. I 've had them say I was on an interest only paying loan which is n't the case when you look at 9 years of payments. I 've had them say it was on a 2 year graduated repayment loan of which I said how can that be since I 've been paying this back for 9 years. I 've had them say my last 9 years of statements were wrong and now it is right. I ca n't get a straight answer and it is obviously because they do n't have one.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : XXXX. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling. 

Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX  without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling. 

Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and Midwest Recovery started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Mortgage (VA mortgage) with loanDepot.com, LLC (AZ).
Issue: Settlement process and costs

Complaint: XXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX PROCESSING CENTER Your continuous DefraudingXXXX XXXX and gouging us financially isXXXX XXXX XXXX XXXX illegal by law. 

In reference to our Loan Statement dated XXXX/XXXX/XXXX which you continue to misled us about our Loan Payment Statement asking for month of " XXXX XXXX, XXXX payment was already Paid " Check No. XXXX. Plus copies of XXXX and XXXX XXXX accusing us we never paid. Now it deemed especially egregious the discourage repetition of misleading and deceiving us with your unlawful practices conduct. 

Your " fraudulent conveyance or other transaction with intent to Defraud us or to defeat our credit preference, plus gouging us financially is obvious. Your Payment processing center has had been told several times about our Mortgage payment never late, nor behind in any way shape or form. But, your continuous unscrupulous, maladminister conduct with our Mortgage loan payment become a malady toward ( XXXX XXXX. XXXX ) type maladroit activity. 

From the very beginning when our Loan processing started in XXXX XXXX and finally closed in XXXX XXXX, XXXX was the most extreme Maladminister and awful feelings my wife and I ever experiencing in our lives purchasing a home through so called ; .Loandepot Maladminister conduct obviously. We were paying {$1000.00} several times, until we found out Loandepot defrauding us with our Loan payment. Fraudulent conveyance information with my ( tax-exemption ; Code : T XXXX ) and also our Mortgage insurance disregarded by forcing {$100.00} on Escrow ( for Taxes and Insurance ) which brings it to {$1000.00} ; while " Praetorian '' is still our mortgage insurance. Loandepot Scheming and gouging us financially ever since. They 're still asking for {$150.00} as an overdue amount without an explicit detail. 
They are not VA Lender by the way. If they are, they will follow the VA guide-lines for Veterans Home Loan Eligibility accordingly. Nothing ; but willful fraudulent scheming and, financial gouge type of Loan Depot of course. 


Sincerely SubmittedXXXX, XXXX XXXX & XXXX ( wife ) XXXX XXXX VeteranXXXX ... ... With ... ..HONOR, COURAGE, AND COMMITEMENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dual tracking. I submitted a complete packet by the end of XXXX 2013. I dealt with XXXX different people who requested the same information that I have already submitted. I sent a completed RMA, Hardship affidavit, signed and dated XXXX taxes, profit and loss, check stubs EVERYTHING that was requested in XXXX 2013. I did the same thing in XXXX 2013 and XXXX 2013. I requested updates, called and sent multiple emails trying to find out status. Finally 4 days before the auction I received an email stating I needed to sign and date the Dodd Frank and the XXXX and get it sent back right away. I did so, and I received an email telling me it was received and my file would be put back into underwriting and he would have it escalated. 
The substitution of trustee dated XXXX/XXXX/2013 and the NOD dated XXXX/XXXX/2013 where both filed in the county where my home was. XXXX 2013 the NOS was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX   XXXX  had an account open and over {$15000.00} was taken from a linked account and we have not been refunded the money after there was an enforcement to them by the CFPB.

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 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The purpose of this letter is to request an investigation of the inaccurate information reported by XXXX XXXX  XXXX XXXX to Credit Reporting Bureaus XXXX XXXX Equifax XXXX and XXXX. After over 25 telephone calls to the creditor since XXXX XXXX, the creditor has still failed to correct the issue and only continue to ask for more time to investigate the matter. The creditor is reporting a 30 Day Late Payment dated XXXX XXXX XXXX for credit card ending in XXXX. This account was Not Acquired until XXXX XXXX. The credit card account is showing listed with the credit bureaus as Account Number XXXX. The information the creditor is reporting is inaccurate. As for supporting documents, I requested ALL Monthly Statements associated with credit card ending in XXXX / Account Number XXXX. The creditor provided ALL the monthly statements associated to the account. Documents provided for XXXX XXXX to XXXX XXXX. Please see attached documents. In addition, I originally requested all statements and accounts associated with my credit file since XXXX. Via telephone call, I was advised I was not allowed to receive any statements or account information prior to XXXX XXXX which is not associated with credit card /account number ending in XXXX Account Number XXXX. Attached find supporting documents : Equifax Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : XXXX Equifax Credit Report File/ Confirmation Number : XXXX Dated : XXXX/XXXX/XXXX Page # : 57 Monthly Statements from Creditor Dated : XXXX XXXX to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: on XXXX XXXX XXXX I requested federal disaster relief from Wells Fargo the loan services on my XXXX XXXX Harp refinance. Wells fargo told me XXXX XXXX loans do not qualify and said they would investigate and see if there investors would allow this. They still have not answered 100+ days later. nor have they answered my two previous CFPB complaints other than to ask for more time. They then refused to post the payments i was making. They are lower than pond scum and belong in prison. both XXXX XXXX executive resolution specialist and XXXX XXXX Sr. VP refuse to return my calls. I hearby request that you fine them and ban them from servicing loans. There refusal to comply with the federal disaster declaration has cause undue financial stress, and resulted in a number of over draft charge from my banks when i was trying to comply. There actions mean I ca n't afford a XXXX  tree nor any presents for my family. 

Please inform them that there actions are not only illegal but immoral and ban them from the HARP program and servicing any federally back home mortgages including VA, HUD etc. 

They also have refused to supply me with the information i requested 30+ days ago under the dodd-frank wall street reform and consumer protection act pursuant to 12 u.s.c sections 2605 ( e ) ( 1 ) ( a ) and reg x section 3500.21 ( e ) ( 1 )

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 02/13/2017 about Credit card () with BARCLAYS BANK DELAWARE (NV).
Issue: Convenience checks

Complaint: A fraudulent convenience check was written on my account last XX/XX/XXXX. I never had the check in my possession and reported the fraud to Barclay on XX/XX/XXXX. Since then I 've been given the run-around with different numbers to call and XXXX different reference numbers and a case number. Even though I have an email that states " Please be advised that transactions placed in dispute do not accrue finance charges and are not included in your repeat payment amount while the charges are being investigated, '' I am being harassed with late payment emails and threats to my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had service with  XXXX  's internet and the sales associate mislead me in purchasing the equipment which I did then misinformed me when I got the service that I could watch and browse the internet with all the data I was buying I got a bill for ov er a thousand dollars which I canceled the service I told them they need to train Thier employees about lying to con sumers and customer service I do not owe the debt it was paid and canceled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is becoming VERY annoying at this point. I have issued fraud alerts, filed police reports, called over 25 times ( check the records ) and yet and still someone is not only using my information but applying for the same things over and over. Im at work as I type and received an alert from a credit protection company that I was just denied a loan that I clearly did n't apply for. Ive asked over 20 times for these inquiries to be removed. I did not authorize any of them and im ready to take legal action at this point. Please remove the following accounts with month and dates : XXXX AND XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX -XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX-XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX -XX/XX/XXXX . I will not continue to send letters and call and talk to the RUDE reps who are of no help. My next step will be legal action.

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 10/27/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Credit line increase/decrease

Complaint: Wal-Mart/Synchrony has violated my consumer rights and closed my account 3 days after I used it and with no notice to me as the consumer. I am a XXXX XXXX XXXX and still XXXX and because of their unfair, unethical customer service I stand to lose my escrow, loan and my military security clearance. I have paid on time and at times twice a month and more then the min. Their pay system and app has many issues and I have serious concerns about there business practices. this is just of their ways of singling out folks. the person I am talking is the XXXX his name is XXXX -ID XXXX so now I have to worry about my PII being Stolen. now 42 min into the call I get transferred to start all over again. 

I had a credit line of XXXX and only XXXX of it was used. How can it go from me using there card 3 days ago and to being closed with out notices 3 days later. this is some type of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Bank of America is denying my use of credit for internet purchases. My  credit score  is   XXXX .  On   XX/XX/XXXX  B  ank of America called and told me a fraudulent overseas purchase was made. Reference  XXXX  for   {$75.00}. My account was credited. I then discovered another fraudulent charge on    XX/XX/XXXX    reference  XXXX  for {$11.00} for  XXXX . I never used  XXXX . My account was credited. Since    XX/XX/XXXX , I    have been unable to make internet purchases. M y   XXXX   XXXX   was cance lled and my internet was almost cancelled. I called Bank of America  10 times and was told falsely that it was the merchant and not Bank of America. I was issue  d 4 new c redit cards because Bank of America could not competently resolve the issue. I then received a letter o n  XX/XX/XXXX  fro m  XXXX   XXXX  phone number  XXXX  ext.  XXXX  and she admitted that Bank of America was denying me credit. " Due to an inadvertent error, instead of the stop pay only being submitted for the  XXXX  merchant, it was submitted for the majority of internet merchants. Therefore, Bank of America never received these authorizations fro m   XXXX   to app rove them. '' On    XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX   ,  XXXX  refused and denied my internet purchase.  XXXX   XXXX  from Bank of America refuses to respond to me.

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