milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2016 about Prepaid card (Mobile wallet) with AMERICAN EXPRESS COMPANY (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: In XXXX XXXX, I lost a loved one so I had friends and family send me money to help pay for the funeral. Every single person who has sent me funds, I have sent money back to them. During the first week of XXXX I looked through my statements to see if I have missed any uncleared payments, I then realized XXXX transactions which caught my attention. The XXXX transactions I did not recognize pulled {$200.00}, {$240.00}, and {$300.00} from my account on XXXX XXXX, 2016. I then notified American Express on XXXX XXXX regarding these transactions but first I told them I would like to double check all of my paperwork just to see if it was just me making mistakes. I then contacted AMX on XXXX XXXX, 2016 to notify them that these were unauthorized transactions and were clearly not my doing. First of all XXXX of the transactions were sent to XXXX seperate people with the same last names and the last transaction was done after the first XXXX transactions. AMX clearly walked me through in changing my entire account information which I was grateful for. I was then promised to wait XXXX48 hours and I should be receiving a notice through email or a phone call regarding the status. Every single day I have called American Express and they have been giving me the original routine as in " follow up ''. It is now XXXX XXXX, 2016 and I have no received a single email or phone call regarding my case and I have called around 30 times already, spoke with countless managers supervisors and customer service agents and they all told me the same thing. " within 10 business days if we need more time we will grant you provisional credit until the case is solved which can take 45 calender days ''. Never happened.. As a consumer I know my rights, within XXXX10 business days if a bank needs more time you are supposed to be granted provisional credit until the investigation is completed, this is also known as Regulation E. Until today it has been 21+ days already and I have not received any email, phone calls, messages regarding my dispute. As a single parent, when a person is promised to at least an email regarding lost funds, that person will check up on it. It 's a human instinct, and how I even got into this situation is just really unfortunate. So please if possible I understand it may take days for me to get my money back, but in reality all i am really just asking for is a email regarding my case, a " XXXX we have received your notifications and we are currently working on your case '', A simple email or message like that is all I need at the least to be honest with you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Credit reporting agency did not delete  XXXX  charge off accounts after I was mailed a  XXXX  and disputed accounts. Accounts are written off and should not be reporting.

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 07-11-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: X/XX/17 I received a phone call from Transworld collection services regarding an unpaid med bill from XXXX XXXX XXXX in XXXX NJ. I have not been to this doctor in 2 years nor have I ever received a bill. <P/>Transworld wanted my dob and ssn as well as address. I did not give this information. I advised I would call the doctors office. <P/>XXXX advised that I had a XXXX balance and that they were having problems with Transworld. I was advised that I was the 100th patient calling that morning. <P/>Today I got another call from Transworld. This time I asked for a supervisor. I advised him that I did not owe any money to XXXX and that XXXX had advised that they were having issues with Transworld. I told him to call XXXX to straighten this out. He advised that he needed my ssn ( last 4 ) and dob to resolve this. I refused to give it to him and told him never to contact me again as I owed nothing. We went back and forth for a couple of minutes before he agreed to take my number out of their call log.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by Experian, XXXX, and 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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I had requested multiple disputes with transunion. It said the dispute date to finish would be the XXXX of XXXX. That alone was past the 30 days. But it still has not finished as of the XXXX of XXXX. I would like all items that I was disputing deleted off of my credit report. As well as the reason why it has taken so long and the process. By law this items should be deleted if not back within 30 days and it has been well past that. Attached is the dates as well as the items I disputed that will need to be deleted. Thank you

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 10-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. ().
Issue: Confusing or missing disclosures

Complaint: IN my previous complaint # XXXX, Paypal responded that I can close my account. However, when I log in, my account maintain the restrictions so it is not possible to arrive to the menu Paypal mentioned in their previous response. Therefore, in order to close my Paypal account and then open a new one under a different email address in order to be able to use my XXXX bank account, I am kindly asking Paypal via this new complaint to close my account as the restrictions imposed by Paypal do NOT allow me to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After our contract expired, we ended our services with Direct TV. They closed our account and sent us a refund check for services paid in advance..A while after they continued to contact us with a payment expected. How can they determine that we owe them money when they sent us a refund check after closing the account? Please help us with this frustrating issue. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: HELLO, RE ; CARRINGTON MORTGAGE - LOAN # XXXXI AM SEEKING YOUR HELP DUE TO THE FACT THAT IT IS OVER 3 YEARS TRYING TO GET HELP TO MODIFY MY MORTGAGE IN ORDER FOR ME TO AVOID FORECLOSURE. IN XX/XX/XXXX I WAS PLACED UNDER REVIEW FOR THE FHA HAMP PROGRAM, IT TOOK 1.5 YEARS TO FINALLY GET APPROVED. AFTER I WAS SET ON A 3 MONTH TRIAL PAYMENT OF A REDUCED MMONTHLY PAYMENT. MY LOAN WAS SOLD TO CARRINGTON MORTGAGE, NOW AS OF XX/XX/XXXX CARRINGTON MORTGAGE REFUSE TO CONTINUE HONOR THE PREVIOUS LOAN MODIFICATION AGREEMENT AND THEY MADE ME RE APPLY ALL OVER AGAIN. 

AFTER 10 MONTHS UNDER REVIEW REQUESTING FOR THE SAME DOCUMENTS OVER AND OVER AGAIN, I FINALLY GOT ASSIGNED TO A NEGOTIATOR. NOW THE CURRENT NEGOTIATOR TOLD ME THAT IT IS NOT ON THE BEST INTEREST OF THE INVESTOR TO HELP ME KEEP MY HOME AND BECAUSE I AM CURRENTLY SEPARATED THE INVESTOR HAS THE RIGHT TO REFUSE TO MODIFY MY LOAN. 

PLEASE HELP SINCE MY LOAN WAS PREVIOUSLY APPROVED FOR A TRIAL PAYMENT UNDER A GOVERNMENT LOAN MODIFICATION AND IT IS NOT FAIR THAT BECAUSE CARRINGTON DOESNT LIKE MY HARDSHIP I WILL HAVE LOOSE MY PROPERTY. 

PLEASE HELP, MY FAMILY AND I WILL NOT HAVE NO PLACE TO LIVE IF CARRINGTON TAKES AWAY OUR HOME. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (Medical) with Amsher Collection Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My wife had been to XXXX XXXX before me they made her pay both times she was there even though her insurance said they was not supposed to charge for XXXXt 2 calls so she called them she had a credit on her account for {$40.00} and asked them to transfer to mine which would still leave a credit of {$5.00} this was supposed to be taken care of but then we got a letter from a collection agency we wrote them back and explained never heard from them again but this showed up on my credit report we even tried contacting XXXX but they never answered their requests either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Your problem definitions do not cover this issue. I continue to receive calls on my phone from " unknown '' callers or banks I have no business with asking me to call them. When I do call I get " SYNCHRONY '' bank payment line. You go through an extensive automated system and when you enter the extension it says enter the last four digits of your account number. Ok I have about 8 accounts which one- duh? Under the FDCRA they are supposed to identify who they are and the purpose of the call. They do not do any of this. I do NOT answer unknown callers due to spoofs.

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 02/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After a 3 month trial modification, in XXXX 2015 I signed papers for a modification with Bank of America. Less than 2 months later, I received a letter stating my payment went up an additional {$50.00} per month despite the original agreed upon amount. Bank of America as been proven to be unscrupulous with their tactics over the past several years in regards to my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Credit card) with Conn's, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We made our normal monthly payments to Conn 's in XXXX but after a week or so they began calling us multiple times daily to ask why we have not paid. We called them and found out they applied our payments in their systems to old account numbers for our accounts. We had refinanced our accounts previoulsly and these payments were mis-applied by Conn 's to the old accounts. The people in customer service told us it would be taken care of. A couple days later we began receiving the same calls multiple times daily to ask why we have not paid. We again called and explained the situation and asked why they had not taken care of correcting it as they said they would. 
This EXACT cycle has been continuing weekly for the past 9 weeks!!! 
They call us multiple times per day demanding XXXX 's payment and we call in and explain yet again how they made the mistake. Every single person who claims to be workers, supervisors, managers and directors at Conn 's have ASSURED us that it would be taken care of properly. 
Today, my wife called again and spoke to persons identifying themselves as managers and supervisors who again ASSURE her that in another 7-15 business days they will have it corrected. 
THIS IS INCREDIBLY RIDICULOUS AND INEPT. 
I am wondering if this is abuse of the Fair Credit Reporting Act and now am taking action that should have been taken long ago, but we kept believing them when they said it would be taken care of!! 
If this complaint and complaints to the FRCA do not produce positive results we will be speaking to an attorney for our next steps. 


Complaint filed with XXXX on XXXX : Your complaint has been submitted and assigned the ID XXXX. For your reference, a copy of your complaint appears below. You will also receive an email with a link that you may use to view this complaint. 


The complaint is being handled by the dispute center listed below. Please contact them with any questions. 
XXXX of XXXX XXXX ( XXXX and XXXX, Texas ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXXXXXX Web XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2015 about Debt collection (Federal student loan) with National Enterprise Systems, Inc. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX called my work and told my fellow employee, after he was told I was not there and that I can not take personal phone calls at work, that our corporate office had given him the number. I called and verified that our corporate office did not give him my work number. He called again a day or two later and asked for me even after he had been told I can not accept persona phone calls at work when he had called before. He was told I was in assisting with a XXXX and could not come to the phone. He then proceeded to ask my fellow employee if I could just come to the phone for a min. I was in a XXXX and my boss was appalled by his request. He then proceeded to lie and say that my dad had given him my work number as a contact number. My father said he never has given my work number out to anyone ever. This company is putting my job on the line and not following proper debt collection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a cosigner on a student loan owned by Navient. The borrower has moved out of the country and is not responding to any collection activity. This loan was originally a XXXX loan for {$6000.00} in 2004. I have made several attempts to settle this loan only to have the borrower put it in forbearance and Navient ceased to communicate with me. When the last forbearance ended no payments were made. Since XX/XX/XXXX I have been attempting to settle this account. I have been trying to provide a cosigner waiver payoff, for {$4000.00}, an amount that I did not think was fair, however I was willing to pay it to be free of the harassment. I refused to give them my back account information and wanted to receive written assurances that I would be free and clear of this debit. So far, they refuse to give me a routing number so I can make a wire transfer. I have been told so many different things by people claiming to be a file manager ( that can not access my emails to them or the ones they have sent to me ) that it is pointless to speak to anyone on the phone. Recently they told us that a check from a bank we have never used bounced and that our cosigner waiver was null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: LexisNexis is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (KY).
Issue: Loan modification,collection,foreclosure

Complaint: recently, OCWEN wanting to file a foreclose law suit, so OCWEN falsified a copy of old mortgage paper, and ask MERS Mortgage Electronic Registration Systems , Inc. ( MERS ) to file a assignment of Mortgage Electronically. They have violate the law and also, lost trust in the system, MERS have abused the Electronic file system. according the law, MERS need to have the real document to validate the information, there is no promissory note or real Mortgage with real signature on hand, file in XXXX county clerk office, and you can also look at the date they file, it was there first filing on XXXX XXXX, XXXX and the Mortgage date is XXXX XXXX by falsified a record statement, it is a violation. please look at XXXX law suit, OCWEN attorney said the original Mortgage is lost, then without original Mortgage, MERS and OCWEN are just using a copy to file. this is very serious problem, if they just use a copy to file, it will damage the foreclose procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX sold a debt too diversified consultants did n't receive notice in mail but received calls debt was paid in full but yet still has derogatory statements and was still sent into collection 's

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Credit card) with Integras Capital Recovery LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: On XXXX XXXX, 2015, I received notice that I was being sued by Integras Capital Recovery, LLC ( Cause # : XXXX, filed in XXXX XXXX, Texas ). 

Prior to receiving notice of this lawsuit on XXXX XXXX, 2015, I had never heard of Integras Capital Recovery, LLC. Before XXXX XXXX, 2015, I had also never received a demand letter or any form of communication from Integras Capital Recovery, LLC. 

Also, there is a four-year statute of limitations on debt collection in Texas. The alleged debt is more than four years old. 

Finally, I 've just received a XXXX-page discovery request from the debt collector 's lawyer. I consider this to be a form of intimidation and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: Bank rep came to my workplace in XX/XX/XXXX and gave sales talk about how if I opened an account with them and did a certain number of transactions I would get a large incentive ( {$200.00} ). Bank rep failed to explain to me I had to transfer a minimum balance into the account by a certain time or get hit with service fees. I never received a statement the first few months as the fees were apparently waived somehow as a " courtesy '' on new accounts, and I was traveling and did not use the account. I thought either PNC had automatically transferred money from one of my other bank accounts into the PNC account, or else the account was not fully activated till I went online and took some action. I received a debit card but did not get around to activating or using it. 
In XX/XX/XXXX I received out of the blue a statement from PNC showing that my balance was XXXX AND I owed them a XXXX dollar fee. I basically got charged a fee on an account I never used ; never put money into or out of, never activated or used the debit card, never logged into PNC Online Banking. It 's an inactive account and they charged me a fee without fully explaining that I would get hit with fees if I did n't put in a certain balance by a certain time. I have called them and asked that the account be closed and the fee waived. I did not open this account with the idea of owing the bank money, I thought I was getting a XXXX dollar incentive ( which I never got because I needed to use the debit card within some " promotional period '' to get that money, apparently ). I was misled by the sales rep and I just want this to go away and I do NOT want to pay a fee on an account I NEVER USED. 
See attached letter for more details.

Company response to consumer: Closed with explanation