milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (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: On XXXX/XXXX/XXXX at approximately XXXX pm I went to XXXX XXXX XXXX ATM. I requested XXXX dollars from my American express sever account. The ATM started processing my request. The machine made sounds of counting the money. And the screen stated " please take your cash '' but no cash was there to take it continue to make the same noises of counting cash and after a minute the machine stated this transaction has been cancelled and no money was given. No receipt was given and the machine went back to the original setting. So I accessed my account via my mobile app to check my balance and it shown the XXXX withdraw. I tried to access my balance using the ATM and it would not give me a balance. I tried accessing another transaction and was not successful. As I was at the machine I called American express and spoke to a representative they filed a dispute of the transaction and told me I would get a second email in approximately 24 to 48 hours requesting additional information. On Monday XXXX/XXXX/XXXX I called the Branch spoke to XXXX the XXXX XXXX who informed me that he could not give me any information concerning the ATM. And I need to file my dispute with my bank ( American Express ). On XXXX/XXXX/XXXX at XXXX pm I received an 2nd email from American express with the dispute form and instruction on responding through an encrypted email. I followed the instructions and responded back to them. On XXXX/XXXX/XXXX at XXXX I received a Email from American express that the completed the review and determined no credit was due. And the ATM provider confirmed the funds were dispensed and if I wanted a copy of the documents that was used I need to contact them ( American express ) I called them on XXXX/XXXX/XXXX at approximately XXXX am. I requested the documents and also requested to reopen my dispute. I never received those documents but they did reopen my dispute. I received the open dispute email on XXXX/XXXX/XXXX at XXXX am. I received an email on XXXX/XXXX/XXXX atXXXX am stating that they are in the process of reviewing my claim and if they need additional information the will contact me. On XXXX/XXXX/XXXX at XXXX stating they completed there investigation of our dispute. But in the email it states that they sent me an email on XXXX/XXXX/XXXX and we requested additional information within a specified time frame and you did not submit it and they need additional time to complete their investigation which can take up to an additional 30 days. I called American Express spoke to a representative and he explained nothing just that he was documenting all of this and would be sending this to the dispute team via email. I requested once again for the documents showing I got the money. He stated he would make the request also. He also stated that my dispute was still open.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX and XXXX XXXX ( SSN : XXXX and XXXX ) are disputing with Wells Fargo ( " WF '' ), XXXX ( " XXXX '' ) and XXXX ( " XXXX '' ) since Wells Fargo is listing an " uncollectable '' item number : XXXX with a balance ( see attached ) XXXX ) As per the attached settlement document, WF agreed that the XXXX loan is " uncollectable ''. 
2 ) The court case of XXXX states that showing a balance is a form of collection activity. 
3 ) We notified both XXXX and XXXX as well as WF about the balance and the court case of XXXX, but they continue to verify the balance ( reference credit report ) as accurate. 
4 ) We have included proof of letters mailed to XXXX, XXXX and Wells Fargo as well as their replies ( see attached ) XXXX ) All we are asking for is for WF account to show a XXXX balance for this joint WF account.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries on my credit report that I do not recognize. I have been a victim of identity theft in the past, so this isn't a surprise to me. But these inquires must be removed. 

None of the companies have responded to my requests for removal, neither have the credit agencies

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 04/26/2016 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Unauthorized activity on my Barclays card. There 's still XXXX transaction that has n't been corrected. The fraudulent charge is from XXXX XXXX XXXX in the amount of {$4900.00}. I did NOT make this purchase. This is an unauthorized/fraudulent charge.

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 11-01-2015 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (SC).
Issue: Settlement process and costs

Complaint: My husband asked me to sign some loan documents to help him refinance his home loan. He stated that I had to be on the title for the refinance. When the papers were brought to me, they had the wrong name on them. I never took my husbands name and my driver 's license specified my maiden name. I was told by him and the notary to sign the documents anyway even though I protested. 

The documents are incorrect as I am not nor will not be known by the name on the mortgage refinance documents. 

Do I have to be or remain a part of this fraud?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (CA).
Issue: Taking out the loan or lease

Complaint: The details are in the attached letter that was sent to the bank. 
I was pressured into giving up my car and buying a newer one a at XXXX XXXX XXXX, CA. This matter is with the banks- Firstly, the bank issued a loan that I had no ability to repay. My income was, and still is {$480.00} that I receive from the VA for my XXXX. 
Second issue, the bank unilaterally changed the contract by altering the interest rate. 
Third issue was a disaster when the vehicle was repossessed. They mis-handled funds, sent letters saying they would do one thing and then did another. The entire evolution was a XXXX show. Excuse the language. 
Please see the attached letter I have sent to the bank. They did not respond to the letter, nor claim to have received it. I guess I ca n't prove that either way.

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 02/25/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (OH).
Issue: Managing the loan or lease

Complaint: This problem begins with a *non-driver fault* failure of several components on a brand new leased Honda Crosstour EX-L which resulted in a 5 day stay at my dealer 's shop. 

This also followed a former 3 day stay at the dealer for a XXXX AirBag recall, and a 1 day stay for failure of center console latch and driver 's side door panel. This car has approx XXXX miles on it. ( This complaint wo n't even XXXX with the three day stay. ) During this latest incident, of " 5 Day Stay At Dealer '' I had to get a rental car and had to pay the gap insurance on it and the gasoline as well. After all Monday Through Friday without a car is tough. 

With the above said, I 've also ( additionally ) spent many hours the past two months trying to get payments posted on Honda Financial Services site, or figure out WHERE my payments went. Thousands of others are also dealing with that as well. 

*** This is n't how driving a Honda used to be. *** BUT WAIT, IT GETS WORSE ... 

I contacted Honda Financial Services to simply inquire about pro-rating the days out of my monthly payment during my most recent 5 day car-less period. I mean why pay a full month on a leased {$38000.00} automobile when a month is 25 days? I was n't sure they could do anything, and doubted it even, but I thought it would n't hurt to ask. 

The prorated amount is a measly {$60.00} ( 5 days worth of the month 's lease payment. ) XXXX has 29 days this year, for those checking my math. 

- I did n't ask for XXXX insurance reimbursal - I did n't ask for gas reimbursal - I tried to contact HFS MANY times, " All Circuits Busy, '' long hold times. 

I finally got thru and INQUIRED as to whether a pro-rate was something that could be done to make amends for a leased car that is sitting at the dealer, unable to be used. 

The Response? 

Honda Financial was WAY more concerned that I was potentially recording the call, even though they were recording mine. I was hung up on once, and only after agreeing to not record them I was then told there was nothing they could do, as they recorded me. 

The representatives are nasty, the do n't represent the Honda brand I once held highly. 

Look, this is n't a driver-caused problem. This is a customer forcing a business to treat all customers at least with RESPECT. 

Honda is having quality issues, specifically with Accords and Crosstour 's electrical components. Honda Financial Services is also having electrical problems it seems too ... as no one can post payments or get thru. 

I 've leased cars from other companies that would have gladly helped - they 'd given a demo car to drive, they 'd re-imburse, etc. It amazes me that car brand like Honda has de-evolved like this. 

In the end, Honda 's quality will be fine ... it is Honda Financial Services that may end up bringing Honda sales down as word spreads on social media. 

DO NOT LEASE FROM HONDA - GO TO YOUR BANK!

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job in XXXX 2015. From XX/XX/XXXX - XX/XX/XXXX, I received unemployment and continued to make my monthly mortgage payments. I applied for a mortgage modification ( unemployment forbearance ), on XX/XX/XXXX, when my unemployment payments were about to end. After 3 months of numerous requests for additional documentation, including requests for duplicates of documents already submitted, my application being sent to the underwriters at least 3 times, and numerous harassing phone calls, I was denied, without explanation of why I do not meet the requirements ( though I asked ). I am still unemployed, and now have no income. It seems to me that Nationstar is deliberately trying to await a default on my loan so that they can foreclose and take my home from me and my family. I am qualified for the Unemployment Program, and that could mean I would pay no payments for up to 12 months, which would greatly help me. My mortgage is paid up to date, yet I continue to receive harassing phone calls from Nationstar Mortgage, including calls with hang ups.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Originally had a card with an annual fee, upgraded the card to one without an annual fee 1 year from the original open date. Still charged the annual fee for the old card and they refused to reverse the transaction even though the representative I upgraded the card with said it would be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Advertising and marketing

Complaint: I had made went to best buy to purchase a computer. The salesman told me that if I signed up for a best buy credit card that I would have the option to either get points back for my purchase or get 12 months interest free. We went with the interest free deal. He then gave the option to get a visa card or a best buy only card. The associate advised us that the visa card could be used anywhere and that it still would be interest free from the date of the purchase. 

This information was misleading. It was n't until a few months after we used the card for a big purchase did we realize that the card was not interest free, but only the first purchase was interest free. When we called customer service and spoke with XXXX XXXX XXXX in idaho, she advised that what someone says verbally is not considered a verbal contract and thus when the terms and conditions were mailed out after the purchase, we should have read that instead of going on what a sales person stated. I stated we should not be mislead to sign up for something that can affect our credit in multiple ways just for signing up.

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 12/30/2016 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (CA).
Issue: Account opening, closing, or management

Complaint: I received XXXX suspicious emails from NetSpend regarding a debit card account that is held by a complete stranger. They refused 4 times to connect me with their Fraud Department in order that I may ask them to look into the matter. It appears that they are unconcerned with potential fraud within their accounts, and suggested that my local police should be responsible for any investigation. I consider this negligence on the part of NetSpend, and think they should be required to clean up their affairs!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Struggling to pay mortgage

Complaint: I already have a complaint  XXXX  on file and it was closed based on the response from Bank of America. They state we filed for Bankruptcy and that 's it. Bankruptcy was closed and the application  for Home Modification ha s taken place AFTER the Bankruptcy, for more than a year we tried to get a modification and BOA just kept stalling and demanding a payment of tens of thousands of dollars to stop the foreclosure during the modification process. The Bankruptcy ended  XXXX   XXXX  and they home was sold  XXXX   XXXX , DURING THE MODIFICATION 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 01-05-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: In XXXX I had a bank account with Wells Fargo Bank in XXXX Arizona. I closed the account when they told me I owed them & gt ; {$9000.00} in overdraft fees. Then In XXXX Wells Fargo took all of my money out of my account at XXXX Bank XXXX, XXXX AZ right after I had refinanced my home. The amount was {$14000.00}. I filed a complaint in courts in XXXX, AZ and the Judge ruled in favor of the collection company that bought out the debt from Wells Fargo Bank. The collection company stated that the debt was for a credit card. I did not have any credit cards with Wells Fargo Bank! I did not have a credit rating high enough to get ANY credit cards, let alone XXXX for $ XXXX. I did not owe Wells Fargo Bank that money and now have lost $ XXXX to their collection company. I asked them for proof and accounting of the money they stated I owed and they would not provide that to me. 
So without any proof of the money owed or any accounting of the fees or any financial statements, the Judge gave the collection company for Wells Fargo Bank my $ XXXX dollars. 
Is there any recourse for me? Would n't they have to prove that was truly owed to them? There was nothing on my credit reports that stated that I owed Wells Fargo Bank any money for credit card debt PLEASE HELP. I can get the transcripts of the court appearance for proof that the atty stated that I owed for a ( nonexistent ) credit card

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 07/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient I called Navient on XX/XX/XXXX to inquire about making additional payments on my student loan. The rep and I discussed how my payments were being applied and when it would be best to make the payments every month based on accrued interest and such. 1st problem, she told me that my entire payment was going to accrued interest since my accrued interest had not been paid off, which is not true. For the loans that still have accrued interest, the portion of my payment is going to the interest, but the rest of my payment is going towards a mix of principle and interest for the other loans. I ended the call feeling like I got most of the information I needed. 5 days later, I get a notification that Navient was raising my payment by {$140.00} a month. I called in today to figure out what happened, and the gentleman I spoke to said that in the notes it showed that, on XX/XX/XXXX, I had requested to be removed from my income based repayment plan, and because I did n't send in the proper paperwork, they raised my payment to {$440.00} a month where it used to be {$300.00}. At no point during my conversation with the girl on XX/XX/XXXX did I request to be removed from my current payment plan. That request was put in without my consent or my knowledge. The gentleman I spoke to today put a request in to get my payment plan reinstated, so the issue should be resolved, but the rep I spoke to on XX/XX/XXXX made changes to my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I arrived to this country on XXXX/XXXX/XX/XX/XXXX and XXXX is trying to bill me a debt dated on XXXX/XXXX/XX/XX/XXXX owed by a person named like me but not in my address. The difference is in the apartment number. XXXX already opened a collection using XXXX collection company that I solved last XXXX, XX/XX/XXXX when I contacted XXXX and sent to them all my information. It is supposed to be solved when XXXX XXXX sent back the wrong information to XXXX. Now, collection appeared again in my credit report but now XXXX issued to Convergent Outsourcing. I sent my personal information to XXXX and I told them about their mistake but they sent to me a form of Identity theft and they asked me to send them back a police record report, as if someone had used my information, but this is not the case. They do not take on their mistake. At the end, I did n't accept that. Why do I need to spend my time and my money getting that documents when they made the mistake. I do n't know how or why this debt was linked to me, and how XXXX got my personal information because I never have had an open account with them. They did a bad job and now I have a collection in my credit report that have been affecting my credit score almost 2 years. I wanted to sue XXXX but it is a hard process. The error is so simple and solution is so simple too, that 's why I do n't understand why XXXX ca n't fix it. Please if you know how to solve this problem, I would like to know. 
Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: tXXXX XXXX XXXX and eqifax the have the police report they are in violation of cra

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX 2015 I reported to Experian that XXXX XXXX had incorrectly added a late payment to my credit report after advising me to make a payment after they modified my mortgage payment after a randomized " escrow analysis '' in the middle of a billing cycle. After the corrected the balance due, I promptly made the payment and then they sent the late payment report to the credit bureau after telling me multiple times that it would not be late. I had representatives agree with me on the phone and then never correct this on my credit and I am appalled. I want this removed. I have tried to have this reopened by Experian and their site will does n't accept the uploads. XXXX has done this twice on my credit report after 10 years of paying my mortgage on 10 without one late payment. It 's unfair and needs be stopped and Experian should look at the documentation of consumers closely.

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 11-12-2015 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: My father was sold a predatory reverse mortgage XX/XX/XXXX by a company that is now defunct because of fraud. He also at the time was diagnosed with XXXX at the time he was forced into signing this loan. XXXX XXXX XXXX is now trying to foreclose and take the property. That property was given to him by his mother who has had the property since the XX/XX/XXXX. The house and property were paid off before the loan. He had no need for the loan and did not know where the money went. He recently passed away and I have XXXX sisters to whom this property was supposed to go to when he passed. We need help.

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