milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Credit card protection / Debt protection

Complaint: On XX/XX/XXXX, I made a purchase on XXXX with my American Express XXXX Card for wine " futures '' - wines which I pay for now, that will be delivered up to 3 years later. Unfortunately, the merchant, XXXX filed for Chapter XXXX Bankruptcy protection ( during the 3-year waiting period on XX/XX/XXXX ) and wo n't be shipping the wine to me. I have neither received the product, nor a refund from XXXX. American Express is refusing to issue a refund, stating that they only have 540 days from the date of the transaction, to start a dispute. Unfortunately, the clock should start after the product was supposed to be delivered, not after the initial transaction. XXXX XXXX XXXX wines are often purchased as " futures '' two or three years in advance of receipt. I am requesting a full refund of my AMEX purchase for {$3300.00}. Can you please help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Stenger & Stenger, P.C (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix 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 12-10-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was alerted by one of my credit card company that someone tried to use my card at a local gas station. I followed through with this credit company. I also received a call that someone tried to open a credit card in my name, the phone number my husband was given was to a DES office ( Department of Economic Services ), the area code was XXXX, not a XXXX number for a return call. I than received a call from a bank that a credit card and charge was made to a new account. I than did a credit report and found different spelling of my name, different address, and 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 09-02-2017 about Credit card or prepaid card (Government benefit card) with Comerica (LA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Money was taken out of my account by Direct Express that was suppose to go to my mortgage company through XXXX XXXX but there was an error and the mortgage company was never paid. My problem is trying to get Direct Express to put it back in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/22/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (IN).
Issue: Struggling to pay mortgage

Complaint: Written on behalf of homeowner By : HUD certified Housing  Counselor  Please find the following letter fro m M & T ba nk in regards to non-acceptance of our Authorization to Release Information. It bothers me a good deal that this was the response given. The authorization offered was signed ( e-sign compliant ) and legible as well as dated. Additionally, the homeowner submitted  an M & T branded ARI whic h did include a physical signature.     Please advise -Thanks

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 04-03-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: Santander makes it impossible to close a bank account with them. I attempted to close my bank account by sending an email to Santander requesting my account to be closed, however they stated that they can not do this via email and would have to call. I then called them on their banking phone number and they told me that the " Bank Account Closing Department '' was closed, despite it listed as being open 7 days a week on their website here : XXXX Not closing my account after repeated requests is a violation of consumer protection laws, and I am now demanding that Santander close my account, unless they want to be taken to court for willful negligence. This is the worst experience that i 've ever had with a banking institution, and with these practices, I do n't see how they have n't been sued already.

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 12/25/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2016, a set of loan payments was coming from XXXX to my bank account ( number XXXX ) at Citizens Bank, RBS. I knew that the loans are scheduled to be presented on the account on this day, for a total of {$1300.00}. On the morning of XXXX, I noticed the total payments from XXXX scheduled were greater than I previously expected. I discussed the matter with XXXX. On the morning of XX/XX/2016, the payments are still pending on my bank account, according to the lowest to highest ordering of payments all coming from XXXX. There was XXXX item for the amount of {$180.00} that would make my account negative for the amount of {$160.00}. I expected that the loan payment of XXXX would either paid or return and I would incur XXXX ( XXXX ) fee. 
I discussed the matter with XXXX and made a cash deposit for an amount of {$1300.00}. 
On XX/XX/2016, I logged on the account and noticed all loan payments from XXXX were posted on my bank account from an ordering of lowest to highest payment and my account was negative because of the last loan payment of {$180.00}, But Today, XX/XX/2016, I saw a complete reordering the payments, instead of charging one-time fee of {$35.00} for the highest loan payment of XXXX, Citizens Bank reordering the payment of XX/XX/2016, from highest to lowest and charged me seven ( 7 ) times of a fee XXXX for a total of {$240.00}. I called the Call Center ( XXXX ) to discuss the matter with a supervisor , named XXXX. I pointed that Overdraft Settlement Agreement in which Citizens Bank agreed to post transactions from lowest to highest. I also indicated that the disproportionality of charges of {$240.00} for an insufficient fund for the amount of XXXX. Citizens Bank could have returned the payment of XXXX and charged me a fee of {$35.00} and I would have to present the payment again. Instead, Citizens Bank looked at its best interests, not mine as a customer and charge a total fee of {$240.00}. This situation makes more difficulty my ability to bring my account positive and use my incoming direct deposit to pay other bills. 
I would greatly appreciate your assistance to this matter. Thank you, once again. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I turned a XXXX XXXX XXXX in early ( 6 months prior to end of term)XXXX XXXX XXXX instructed me to bring the car to a dealer and I would be billed. Under CA law I was told I would be liable for the remaining payments, disposition fee and wear and tear. I turned the car into a local dealer on XX/XX/XXXX. IN XX/XX/XXXX I  recieved a bill for $XXXX with a due date of XX/XX/XXXX. IN XX/XX/XXXX XXXX said I could have an additional 30 days to make the payment if I wantedIn XX/XX/XXXX I made the payment to XXXX in full. Several days after the payment was made I I received a credit alert that my score had dropped, and the culprit was a "late payment" reported by XXXX for XX/XX/XXXX. The XX/XX/XXXX payment wasnt made because the car was turned in and my instx from XXXX   were to wait for a final bill. disputed the late payment with all 3 bureaus and the result was that XXXX   removed the XX/XX/XXXX late payment and changed it to an XX/XX/XXXX late payment. I have not been able to resolve this with XXXX and after disputing with XXXX all I got was a chnage of a late payment from XX/XX/XXXX to XX/XX/XXXX. I have never missed a payment in my life and on my report it is the only late payment out of a total of over 650 reported payments. At this point I dont know what to do and I understand this inaccurate blemish will stay with me for 7 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I never file a BK and It was removed from XXXX but is reporting to Experian and 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 09/28/2015 about Prepaid card (Mobile wallet) with NETSPEND CORPORATION (CA).
Issue: Managing, opening, or closing account

Complaint: I applied for a card from paypal prepaid XXXX ( issued by XXXX ) and was indeed issued a card. However, when I went to activate the card online, I was informed there was a problem with my account and directed to call customer svc. The woman on the phone told me that I was not eligible for an account with them and when I asked for a reason I was told " we can not give a reason ''. I asked whom I could contact for a reason but was told that no reason can be given and I can not contact anyone who can tell me why I was declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (I do not know) with Nationwide Debt Management Solutions, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received repeated daily phone calls from XXXX with " Nationwide Debt Management Solutions '' at XXXX. I spoke with her the first time she called and informed her I can not receive personal calls at work. She refused to tell me who the original creditor is. I told her if I was disputing the validity of any debt with them and she needed to send proof to my home address. I also provided her with my cell phone number. She continues to make repeated, frequent, and harassing calls to my workplace. She has contacted several of my co-workers and my manager. She has been numerous times to stop calling my place of business and refuses to do so. If someone answers and asks her what it is about she refuses to say, only stating that she needs to speak with me about a personal matter. If they say I am unavailable, she yells " RUDE! '' and hangs up. in addition, because one of my co-workers would not transfer the call to me, she called another co-worker asking to speak with their manager so she could discuss their lack of professionalism on the phone. The person who spoke with her simply told her I was unavailable.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (DC).
Issue: Application, originator, mortgage broker

Complaint: I started the process of refinancing my home with TD Bank on XXXX XXXX, 2016. Due to no fault of my own, my scheduled closing has been delayed three ( 3 ) times. The following timeline will explain my disappointment with TD Bank and the need for an immediate resolution. 

XXXX XXXX - Received a generated email from XXXX XXXX ( TD Bank Processor ) stating I was conditionally approved for my refinance. 

XXXX XXXX - I left a voicemail with XXXX XXXX asking for a return call. I received no return call. 

XXXX XXXX - I received another email from XXXX XXXX requesting additional documents. My tentative closing was set for XXXX XXXX, 2016 and the rate lock confirmation set through XXXX XXXX, 2016. 

XXXX XXXX - I sent a follow up email restating the same questions I had regarding my documentation from XXXX XXXX, 2016. As of this day there has still been no verbal communication with XXXX XXXX. 

XXXX XXXX - I had my first conversation with XXXX XXXX nine ( 9 ) days after my initial voicemail. 

XXXX XXXX - I submitted all requested forms to close my refinancing. 

XXXX XXXX - I received an email from XXXX XXXX stating the TD XXXX team needs more information from my HOA. I talked to my HOA representative that day and was informed that she had made several attempts prior to XXXX XXXX, 2016 to contact XXXX XXXX based on the request XXXX XXXX sent to her. XXXX XXXX never responded to my HOA representative. Therefore, I had to take time off from work to initiate a teleconference between my HOA representative and XXXX XXXX to resolve any questions XXXX XXXX had. I later received an email that day from XXXX XXXX stating she had all the necessary information needed from my HOA representative to report back to the TD XXXX team. 

XXXX XXXX - I emailed XXXX XXXX asking what time my closing is set for on XXXX XXXX because I have received no update from her. 

XXXX XXXX - XXXX XXXX responded to my XXXX XXXX, 2016, email repeating the same exact questions that were addressed and resolved by my HOA representative from XXXX XXXX, 2016. My thoughts : Why is XXXX XXXX asking the same questions that were resolved six ( 6 ) days ago with my HOA representative. This in itself delayed the entire closing process unnecessarily and shows her incompetence. In this same email from XXXX XXXX tells me my closing date has been pushed back to XXXX XXXX, 2016. 

XXXX XXXX - I requested for the second time what is the status of my closing. She did not respond. Later that day, I sent a separate email attaching my Payoff Letter from my current lender in which she responded, " Thank you but usually I ask the title company to get this so the borrower does n't have to ''. Which leads me to believe that she completely disregarded my email from earlier in the day. 

As of XXXX XXXX 2016, TD representatives have still not completed my file due to their lack of professionalism and continually ignore emails from me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Payday loan () with ACE CASH EXPRESS, INC. (MI).
Issue: Received a loan I didn't apply for

Complaint: more then 2 or 3 years ago I did a online payday loan and paid it off right away, now within the last year I have some one e-mailing me asking for payment not sure if its for the same one or something different they wont give me any info about it I have not received any loan from them since I paid the other off. 
main creditor is ACE CASH

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a victim of fraud.The DOJ has convicted XXXX XXXX to XXXX yrs in prison for mortgage fraud. I happened to be one of his victims. I sent my short sale to BofA on XX/XX/2016. it was processed and XXXX XXXX the negotiator sent my realtor an email stating that until we get the fraudulent lien off the title BofA would not be able to process the short sale.My agent complied with BofA 's request and they turned around and set a sale date on my property for XXXX XXXX 2016. This is a dirty trick by BofA. I would like some help here in getting the sale date removed until I can get the fraudulent lien removed. My compliant number at the DOJ is XXXX : XXXX. The complaint was filed XXXX XXXX well before BofA declined my short sale because they did n't want my file to be in their que.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Under the new law effective XXXX XXXX, XXXX credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All XXXX credit bureaus have failed to update information per new law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/15 I was Notified that My husband owed {$1600.00} to Transworld Systems Inc for a medical Debt from XXXX XXXX XXXX. I called them and was able to get any information regarding the account other than I owed them. I called XXXX and they said that I only owed {$580.00} and I have to pay it to the Collection Company. So on XXXX/XXXX/15 I Paid the {$580.00} to Transworld System INC. They still stated that I owed {$1000.00}. I told them that no My insurance has settled with XXXX town they said that they would have to send a request for the information from roop town to have the adjustment. So Once the payment was made I asked that Transworld when I would be receiving a receipt. They told me that It would take 30days to issue a receipt for payment. I then Asked If I could be emailed or faxed it they told me no they do n't do that. So on XXXX/XXXX/15 I called to see if it had back to Transwold because the debt was still showing up on my husbands credit report. So I called both XXXX and Transworld and neither had talked to each other XXXX still was not notified of me making my {$580.00} Payment to Transworld and Transworld Still had no information about the insurance adjustment. Being that We are in the middle of trying to closed escrow on a home I let them both know that I needed them to communicate with each other and get this clear. Both Said that they have sent a request over for information but nothing has been sent back. I have called every day since ( mom-Fri ) and tried to get this issue cleared and as of today XXXX/XXXX/15 Transworld has closed the account but still say I owe {$1000.00} and have yet to notify XXXX XXXX that I paid {$580.00} to them. So XXXX still say I owe {$580.00}. At this time we have had to extend the closing date once due to not being able to get this account closed with a {$0.00} balance. I have requested a receipt several time and TransWorld has yet to give it to me.. They faxed my Loan Officer a Letter yesterday stating that I still owed $ XXXX.But no receipt for the payment of {$580.00}. When I call they say the account has been closed. I feel as if they are holding us hostage. We are currently living in a motel since we where expected to move in to our new home on XXXX/XXXX/15 and had to be out of our current home on XXXX/XXXX/15. All of this due to them being not willing to communicate with the original creditor to clear up the situation. I have offered to send them the information but Transworld was un willing to take it. I am very frustrated and feel very upset and Do n't want to see this happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I signed up for an American Express XXXX card. They offer XXXX Membership Rewards when someone spends {$10000.00}. I quickly sent {$2000.00} to my landlord via XXXX. I then booked a trip for my family that was worth {$8500.00} or so. Right away, the XXXX Membership Rewards points posted to my account. I was excited of course. However, my travel plans changed. I had to cancel my hotel and rebook for a different date ( I believe it was for 2 weeks later ). Again it was for a similar price, in the range of {$8500.00} or so. I logged into my account to pay my bill when I saw that the XXXX Membership Rewards ( worth about {$1000.00} in cash back ) was gone. I called and they claimed that I used my card fraudulently. I asked them to speak with a supervisor who claimed that because I canceled my hotel reservation, I was abusing the program. 
Well, I was n't trying to steal. If I was, I would 've used the XXXX Membership Reward points before I " canceled '' my hotel. And I never canceled my hotel, I just changed my reservation to a different date to accommodate my family. They were unwilling to listen to anything I said. I tried really gently to explain but they kept saying I was acting fraudulently and I think it 's because they do not want to give me the XXXX Membership Reward points they promised. What should I do?? Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is not accurate. That account was closed, it is not delinquent.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: It shows that I have a few debts on my credit that does n't belong to me. One is XXXX XXXX XXXX and the other is XXXX XXXX. There 's a bunch of hard inquiries that do n't belong to me either from banks and retail cards. I dont have any retail cards. I only have 1 credit card and that is with XXXX XXXX. The one credit card account I have is n't showing on my credit either.

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