milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: There is a major issue going on with the Amex Serve card at the moment. People are attempting to withdraw cash from ATM 's, the money is not dispersed but it is still being deducted from their balance. 

For the second time in as many months I am sitting on the phone for hours with foreign based customer support most of whom barely speak XXXX and constantly repeat themselves as if they are reading from a script. I have asked for a supervisor and get hung up multiple times after waiting 10 to 20 additional minutes. Once this latest issue is resolved I WILL NEVER put another dime on this card, you ca n't trust them. This most recent time I attempted to take {$400.00} out of an ATM the bank denied it saying " {$400.00} EXCEEDS CARD CASH WITHDRAWAL LIMIT '' I thought this was strange ( the daily cash withdrawal limit is {$750.00} on the card, but thought the ATM had possibly had a {$400.00} limit ). I immediately tried again for {$300.00}, this time it went through with no problem, or so I thought. Although the ATM never dispersed the money, ( I have the receipts for all transactions and offered multiple times to send a copy or picture of them to American Express, they did not want them ) the {$400.00} BOTH the failed {$400.00} withdrawal and the successful {$300.00} withdrawal were deducted from my balance. I immediately called AE and was told that it would take up to 10 days to even start the dispute process and it could take up to 45 days for it to be completely resolved. I called back the next day and was told that yes, they originally thought it would have to go through the dispute process, but they saw a spike in these calls and realized they had a problem and were correcting them in batches. I was given a support ticket number and was told my money would be back on my account with-in 24 hours, It was not. I called back yet again and was told, once again that I 'd have to go through the dispute process and it would take 10 to 45 days. I 've NEVER had any kind of issue like this with any other bank or card. I 'm moving this weekend for a new job in a new city and that money is needed, NOW! The last time was an issue with XXXX XXXX pre-authorizing the card twice right at XXXX time for {$150.00}, XXXX XXXX bent over backwards trying to resolve the issue with Amex Serve yet to no avail it took a full 10 days for the money to be released from the erroneous hold, even though XXXX XXXX released it immediately. 
That money was almost the entirety of my unemployment benefit for the week, I have no other money. I need that money to move from XXXX to XXXX tomorrow for a job that starts on Monday. 
Here are some links to the post where I 've chatted with other people having the same issues : http : XXXX? XXXX XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed several items on my credit report and they have not responded with proper proof or anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Trouble during payment process

Complaint: I have a loan serviced by Caliber Home Loans, Inc. ( Caliber ). It has recently settled a lawsuit involving allegations that Caliber, or an entity on Calibers behalf, called people on or after XXXX XXXX, 2011 on their cellular telephone lines using an automatic telephone dialing system or artificial or prerecorded voice. Caliber has agreed to pay {>= $1,000,000} into a fund from which eligible persons or entities who file claims will receive cash awards. I have still not been contacted by them regarding this class action settlement. CALIBER HOME LOANS SETTLEMENT CLAIMS ADMINISTRATOR XXXX XXXX XXXX XXXX, RI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: I would like Well Fargo to explain to me why they have XXXX different prices for my home. This process has been on going for months. I believe they are stalling so that the XXXX HAFA incentive will no longer be applicable. The HAFA incentive expires at the end of this year. 
Here are the conflicting emails : From : XXXXXXXXXXXX Sent : Wed XX/XX/XXXX XXXX To : XXXXXXXXXXXX Subject : RE : XXXX XXXX XXXX XXXX XXXX We have received the appraisal and the adjusted counter amount is to a purchase price of {$730000.00}. Please submit the buyer 's highest and best offer by the end of this week. 
*** Please fax all documents to XXXX and ensure that the borrower 's loan number is included with your submission. *** Thanks, XXXX XXXX Loan Adjustor -HAFA Negotiator Default Decisioning | Short Sales - Private | XXXX XXXX | XXXX XXXX , IA XXXX XXXX XXXX XXXXXXXXXXXX Hello XXXX, I have received the following email from WF today : A review of this file has completed and a Notice of Short Sale has been issued. If you obtain a new offer meeting the required minimum net proceeds as shown in the Notification of Short Sale ( NOSS ) agreement, please submit the fully executed purchase agreement and HUD-1 in order to continue the review. 

LIST PRICE GUIDANCE : {$760000.00} NOSS EXPIRATION DATE : XXXX/XXXX/XXXX Any short sale offer may require Investor or Mortgage Insurer approval. 
In order to move forward with the short sale process, a new offer meeting the required MNSP must be received by the expiration of the NOSS. 
Please fax all offer documents into XXXX and ensure the borrower 's loan number is included with your submission. 

Wells Fargo has shown us all how corrupt they are. When is something going to be done about it??? I have a payoff number. Why does Wells Fargo just use that?? They are insisting on a higher payment. Why?? Who is that going to benefit?? Wells Fargo has supposedly has been given XXXX dollars from out government to HELP- So far I have received NONE. What are they doing with all that money??? 
I am a victim of the XX/XX/XXXX pick a payment predatory loans. After almost 10 years of mortgage payments my loan is now more then XXXX over what the original loan was back in XX/XX/XXXX. 
I was denied modification and any help back in XX/XX/XXXX/XX/XX/XXXX when I was struggling with the balloning monthly mortgage payments. I want justice and I want it NOW!!!

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 09-01-2015 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Customer service / Customer relations

Complaint: I opened an AARP CHASE Visa credit card account and wanted to set up e mail notification of when my balance is due and when payment has been received. When I went on CHASE 's site there was a message that this already had been done. Knowing that I had not set this up I phoned CHASE 's XXXX number customer assistance. I was told the conversation would be recorded and replied that that was acceptable as along as I could record the conversation too. The customer service representative told me CHASE does not give customers consent to record. My response was that I do not give CHASE permission to record and was told without my giving this permission she could not speak with me. I wrote to XXXX XXXX, Chairman and CEO of JP Morgan CHASE and detailed the problem. I received back a letter from the Executive office stating " We do not give customers consent to record ''. The letter also stated " Chase did not CREATE a username, password, or online profile for your AARP account ''. The letter stated the profile was established in XX/XX/XXXX when I took out an auto loan with CHASE. CHASE 's records show that this account was logged into in XX/XX/XXXX. CHASE states " as a convenience to customers and for ease of use, all new accounts for our customers are automatically linked to their preexisting online profile. When the AARP credit card account was opened, it was automatically linked to my preexisting online profile. '' It would have been extremely helpful if CHASE had notified me by e mail that this had been set up. In all of my transactions with credit card companies none have done this all of my accounts are independent and established by me. Upon contacting CHASE 's executive office and requesting to speak with the individual that sent the letter I was told CHASE was recording and I could not. This matter is not yet resolved and my e mail notification with CHASE has not been established.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have tried to resolve this problem with experian credit bureau I have disputed a number of inaccuracies on my experian credit from wrong address to wrong names, and old accounts that are close or paid in full still reporting on my credit report I have spoken to numerous customer service representative and to no avail experian representative refused to remove anything from my report even with documents I have fax over I need wrong address remove wrong names to be remove and closed of and paid in full accounts to be remove immediately

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 10/27/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX, 2015 XXXX XXXX XXXX placed an account for the amount of {$5100.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have student loans and wanting to get them forgiven. The school was shut down in XX/XX/2015. I can not pay these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MD).
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: Navy Federal Credit Union is monitoring my credit in a fraudulent manner. On XX/XX/XXXX I received an alert of a new tradeline open and reported which is part of the 78 point reduction that has nothing to do with inquiry made on XX/XX/XXXX. 

XXXX systems is built against the consumer not for the consumer to prevent fraud by those that work within financial institutions doing business in Maryland. XXXX rejects any rebuttals and/or reinvestigation of erroneous remarks and updates on any old account with error. Navy Federal Credit Union neglected to investigate fraud claim I submitted over 6 years ago pertaining to a fraudulent deposit into my checking account. There has been no new accounts opened under my social security number with XXXX XXXX at any time within the last 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 I received a collection letter from Enhanced ; for debt that had been deleted from my credit report in XXXX 2015 due to XXXX XXXX failure to provide validation. On XXXX XXXX, 2015 I requested validation of the debt from Enhanced Recovery ; still have not received anything. On XXXX/XXXX/15 I pulled my credit report and discovered that this invalid debt is being reported.

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 10/31/2016 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (FL).
Issue: Managing the loan or lease

Complaint: I had a loan with Monterey Financial Services, LLC. The loan was paid in full with no late payments approximately 4 months ago. Monterey Financial Services, LLC has failed to report the loan to all XXXX mayor credit bureau and failed to report the account is closed and paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I am complaining about an issue I have with Bank of America I have had a debt collected from my account without my authorization, it was under Legal order not knowing of this issue I contacted Bank of America. When I spoke with a representative they informed me to call the number that was on the account of withdrawal. I found out this was a collection for 7 years ago state tax I had not known about, I had to set a payment method with The state. With that being said I let them know how much they took out of my account which was going to them to resolve my issue the about was XXXX from my checking and XXXX for my savings bringing it to XXXX in total. With the department of revenue service you have to them know the amount so you can establish a payment method. Fast forward, after The department of revenue service received the check from BOA it was short and they only received XXXX. This set my plan back and I had to figure out where the rest of the money was as well as try to prevent drs putting another legal order on my account. I called Bank of America back and they explained that they charge a fee for legal orders and the money that was not sent was kept by them. I asked if the fee could be waived and they said no. Prior to signing up with BOA I was not made aware of this fee as well as the fact that they allow unauthorized charges to my account. I want the fee refunded back to my account. After making the call to BOA they then sent a book explains fees that are taken out of my account. Which is a little to late seeing that the damage was already done, this has been a headache dealing with BOA and their insensitive replys especially since Ive been a loyal consumer for over 6years.

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 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I used navient after they bought out my XXXX XXXX loans. 

They pushed me into going into forebearance and did not explain that I would be paying the interest even though I was not making payments. Also they did not explain that I could be on income based repayments and would have had {$0.00} payments while in my first year of internship, since my previous year I was a student with no income. They did not properly explain all of my repayment options and pushed me into forebearance. Now, I have stared with income based repayments and I am on tract with the federal student loan foregiveness program. Because of them, I missed out on being in this program for 4 years ( which would have qualified towards the forgiveness program ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: My father, who is now estranged, took out a loan for approximately {$15000.00} with XXXX while I was in school for my XXXX degree ( XXXX ). My mother, who is divorced from my father, has been making on-time payments for over a decade. XXXX never mailed or emailed any statements. When we would call XXXX to inquire about the balance, they refused to provide us information on payment history, since we were not the borrower. 

Recently, Navient acquired the debt from XXXX. We were dismayed to find that not much progress has been made with reducing the amount owed. A similar loan taken out at the same time has been payed. Navient also refuses to provide the payment history from when the loan was with XXXX, and we are unable to speak with an XXXX representative due to their restrictive automated phone system. 

Even with an interest rate of 6 %, there should not be over {$10000.00} remaining in the account. Viewing the payment history is the first step to understand how on-time monthly payments did not reduce the payment balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MI).
Issue: Struggling to pay mortgage

Complaint: I fell behind on my mortgage in XXXX XXXX when I was off work due to my back injury. I applied for loss mitigation in XXXX XXXX. I went back to work in XXXX XXXX as well. I was approved for a trial modification. I faxed the final documents back to Wells Fargo in XXXX XXXX and began making the trial payments. I made trial period payments in XXXX XXXX and XXXX XXXX. In mid XXXX, I received a letter from Wells Fargo stating that they never received the signed modification documents and that I was being removed from the trial modification program. Up until this point I did not realize that Wells Fargo did not receive the documents I sent. When I called Wells Fargo to clear up this mistake, I was told the only option I have is to reinstate the loan. Wells Fargo scheduled a foreclosure sale for XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I signed up to M and T auto draft on XXXX/XXXX/2015. The purpose of auto draft was for M and T to automatically draft my payments for my mortgage. M and T sent me an email thanking me for signing up for the service on XXXX/XXXX/2015. The email stated that I did not need to reply and I received no further correspondence in regards to the auto draft. All bill notices I receive from M and T indicate that if I am signed up for auto draft, the bill will be automatically paid. I have attached those emails. 

On XXXX/XXXX/2015 a letter was sent to me indicating that I could lose my home due to failure to make payments. I immediately contacted the bank after receiving the letter and made the payment of the phone. I wanted to dispute the late charges as I felt it was due to an M and T error/ miscommunication. I also wanted confirmation that it was not reported to the credit bureaus as the late payments were due to M and T not auto drafting. The person on the phone said they could not do that. I asked how I could follow up on that and the rep on the phone stated I could write a letter or go to a branch. 

I went into the branch at XXXX XXXX XXXX, XXXX NY XXXX on XXXX/XXXX/2015. In the branch I reviewed my concerns and made the above requests. This was escalated to the branch manager and they said they would look into it. I also asked to file a formal complaint and for documentation on M and T banks complaint procedure. The representatives stated that they could not provide this to me and that I could not file a complaint in person in the branch. 

I am at an absolute loss for what to do and I feel bullied by misinformation and apathy by M and T bank. They have a large amount of control over their customer 's lives and must be accountable for their actions. It is a simple case of an error that they made and they have done nothing to help fix it. 

I am requesting the fees to be waived, documentation that they did not contact any of the credit reporting agencies and for them to make filing a complaint easy so that issues can be identified and addressed. I would also like to be pointed in the direction of where I can locate my rights as a consumer when it comes to being able to file complaints with banking institutions. I have dealt with an unnecessary amount of anxiety over this issue with no assistance from the bank holding my mortgage.

Company response to consumer: Closed with monetary relief