milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Settlement process and costs

Complaint: I have been trying to have my XXXX mortgage company Select Portfolio assist me with having my XXXX mortgage subordinate since XXXX 2015. My XXXX lien holder submitted the paper work on XXXX XXXX, 2015 I spoke with a agent of Select Portfolio who indicated the paperwork was received and would take five days for review. I was informed by a agent of Select Portfolio on XXXX XXXX that my case was closed out because we fell to send them paperwork that was requested. ( Here is the problem ) The same day that Select Portfolio request this information they updated the notes in my file stating what paper work is needed they then close out the request without me or my XXXX lien holder ever receiving the information. I am assigned a case manager XXXX XXXX but as of this writing I have never spoken with her, she has never contacted me and my request to speak to her have been denied. On XXXX XXXX, 2015 after speaking with XXXX XXXX in the ombudsman department she attempted to assist me by having me send all of the requested documents to her directly and she would walk my paperwork over to the supervisor of the subordination department. On XXXX XXXX, 2015 I spoke with XXXX XXXX who informed me all the documentation was received and delivered to the Subornation Team and again it would take them five days to review. I contacted Select Portfolio on XXXX XXXX, 2015 to find out again my request was closed do to paperwork being requested by me. Again I was never contacted by any agent of select portfolio nor was my mortgage company notified. At this point, I have no choice but to believe Select Portfolio has any interest in helping us with the modification of our first mortgage. If this modification is granted we will see a {$500.00} dollar deduction in our first mortgage which will have no adverse effect on my payment obligation with Select Portfolio. However I will not be able to succeed in making this happen because Select Portfilo ( XXXX lien holder ) has to sign off on the agreement in order for this to happen. I am seeking to make a complaint against the company for above matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Medical debt) with SYNCHRONY FINANCIAL (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: GE Capital Retail Bank approved a fraud online application for one of their Dentist office and it was approved online. 
GE/CRB set me up with an account ending in XXXX. 
They charged my bank account for porcelain teeth for two people. 
After contacting them, GE sent me a letter stating I had been frauded. 
Since then I have continued to get the run around by phone to get my money back. 
The GE fraud & customer service keeps sending me back to each other. 
They are asking me questions I do n't know.

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 10-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: ( Federal & Private Loans ) One of My main distress as a Navient loan borrower is that this entity has misled main core accountability, and as well as failed to execute its central part commitment in the servicing of student loans, breaching the Federal consumer financial laws ( Assembly Bill No. 2251 ) as well as the confidence that borrowers positioned in this entity. Most Federal and private loan student borrowers have a right under federal law to hand-craft their/our monthly student loan payment as a share of their income, an arrangement that can offer borrowers extended payment relief, and other significant benefits. Additionally, Navient escorted us as borrowers confront economic destitution that was not short-term or provisional into lavish payment liberation intended for borrowers engagement short-term financial problems, before or instead of affordable long-term repayment options that were more outrageously advantageous to them ( Navient ) to make the most revenue as a for-profit in light of their financial situation. In addition, in essence to Navients beneficial most profit situation on their behalf ; I feel that this entity has the most interest to make the most profit with student loan borrowers as oppose to helping the higher learning individual prosper. Lastly, it is so sad that this Company ( Navient ) is responsible for this action which reflects my fortune of student loan debt. I went from owing $ $ a set amount to an extreme amount of money due to these type of processes. 



XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I opened up a billing dispute for an item never received for my American Express Card in the amount of XXXX on XXXX/XXXX/15. It was for a custom engine that was never received and this non deliver was verified by third party California XXXX XXXX XXXX XXXX. The XXXX agent advised me to use continue the dispute process through my credit card company. I initiated the charge back via telephone, they were very helpful and mentioned they would get to the bottom of it. They opened up a chargeback and gave me an online resolution department to check status. I went online and noticed they had put the reason for dispute as an Unauthorized charge. I thought this was strange, and I actually called back in shortly after and asked them to change this to correct reason of dispute ( good not recieived ). The service agent told me ( paraphrase ) " their is only one reason in our system so this should be ok, just write a letter explaining what happened and our resolution department will take care of it. '' I thought it was odd at the time that they only had one classification but I wrote in a letter explaining that I was charged for an item I never received. The charge back was ultimately closed, where they did in fact close it as an authorized charge. I wrote back letting them know the mistake and they reopened. Unfortunately same thing happened, miscatergorization, same outcome. I had to contact American Express multiple times and and eventually request a manager who then correctly categorized dispute as items/goods not received. They went back to the merchant and ask for more information, the vendor told them he had given me the engine and they promptly closed case, despite having no evidence that this was actually done. I then had asked for the proof used by American Express to side with vendor. This went around a few times, with this evidence never being provided by American Express nor merchant. Ultimately American Express suggested I go back to the merchant, despite not removing the billing error nor providing any evidence to show that I had received item in question. My concern is how American Express can not remove a billing error and then suggest that I go back to a merchant to work things out, instead removing a valid billing error that I raised. I had tried to work with vendor multiple times and would never gone the route of billing dispute or have an independant investigation if things were workable. I can provide all communication between American Express and I. I also have same information regarding communication between vendor and I. I can also go to court, if needed, to bring the supeonable evidence which will corroborate my case. 

The heart of the matter, I raised a billing dispute, American Express did not remove this dispute. The provided no evidence ( after multiple requests ) that the items were indeed delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (OR).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On dates approx XX/XX/XXXX I was locked out of my online access by Discover Card services. This continued for 3-4 weeks and they refused to talk to me over the phone regarding my account. When I was allowed to log into my account by Discover Card I learned during the time they blocked me from my account fraudulent charges have occurred on XX/XX/XXXX for {$1500.00} & {$430.00} from XXXX XXXX while my card was not in my possession. They failed to properly monitor my account while ignoring my security concerns about not being able to access my account and my wallet with my cards where stolen. I filed a police report with the sheriff on XX/XX/XXXX. I the gave XXXX the police report number. It has been almost 1 year and I have been stone walled by all the representative and they have passed me off to coworkers saying the are supervisors while they are not. No chance getting someone real with authority to resolve this internally. They are holding my credit report and score hostage by making me pay these fraudulent charges even as of XX/XX/XXXX. So far I am out {$7500.00} as of XX/XX/XXXX. 
According to The Fair Credit Billing Act ( FCBA ) which is the Federal law that protects me in this situation I would like a resolution according to the FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Medical) with AR Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company AR Resources has put a deragatory collection account on my XXXX credit bureau reports as of XXXX/XXXX/16 but did n't pop up until XXXX/XXXX/2016. For a medical collection from XXXX XXXX XXXX. I have never ever heard of them and I believe that this is fraud. I have attached a police report and FTC Affidavit and I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX  Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.

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 02-10-2017 about Debt collection (I do not know) with Designed Receivable Solultions, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: DESIGNED RECEIVABLE SOLUTIONS has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe DESIGNED RECEIVABLE SOLUTIONS any alleged debt and would like them to provide proof of claim with authenticated verification. DESIGNED RECEIVABLE SOLUTIONS has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Our Parent direct plus loan is under auto pay every month and I try to add every month an additional payment religiously but I noticed that I get charge additional interest on the overpaymt rather than all going to principal. I calle d Navient and  got an answer because my overpymt have some lapsed on days so I get charge interest on it as well and was advised to schedule an additional payment on the same day that my auto pay is scheduled so all my overpaymt will go all towards principal. I checked this morning since my payment always hits at the  XXXX  of each month and there it is again they lump the full payment and charge interest on both auto  pay amt as well  as the overpymt that I scheduled and when I called th e cus  service keeps saying th at bec th ey pulled the overpayment 3 days after the scheduled date which in terms that is why I get chg additional interest so I can not win if I overpay before the sched auto pay date I get chg interest and if I sched just right date I get chg interest as well. I think this is a really bad accounting. My overpayment should just go to principal just like a mortgage why get chg additional interest when the accrued interest is already imbedded in the monthly auto pay amount they advised as the amount that needs to be paid monthly to be current on our loan?

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was ACH into New Bank of America credit account instead of the right credit account known as XXXX XXXX and no longer Bank of America ( debt buyer/debt collector ) without a signed agreement with the borrower. After the mistake was recognized, in which the Bank of America, now known as the New Bank of America, transferred it after the payment date into the Bank of America, now the debt buyer XXXX XXXX XXXX account several credits were made. But then the consumer 's automated default was never removed and it continued to produce late fees and interest owed with defaulting in original month, XXXX XXXX. I could n't get a response from XXXX XXXX, nor the New Bank of America, or the Bank of America on either account/s after phone communications, Email communications, and written communications. I decided to stop paying after XXXX XXXX, because I could no longer figure out what I owed on the XXXX XXXX ( Bank of America ) credit card. Their statements are impossible to figure out if you do n't stay current. There is no truth in their statements either, because I do n't owe money to a debt buyer as a retired person on social security benefits per the law, and other legal theories. I wrote to the CFPB and have a complaint against Equifax. This complaint is for XXXX XXXX ( Bank of America original debt grantor ). See, my correspondence. This involves XXXX bank accounts and cut-off procedures, and the unwillingness of XXXX XXXX to be cooperative with the federal and state consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I dispute an account XXXX XXXX with all the bureaus. XXXX and XXXX deleted this account from my credit files due to my proof. On XX/XX/18 I faxed a follow suit letter and proof to Experian. On XX/XX/18 I called when I was at lunch, and was speaking to a XXXX, and told him that I wanted to know the status of the follow suit letter that I had faxed in. I did not give him the date yet, and he looked into my file and said " the dispute from XX/XX/18 '' at this point I got disconnected from hi, and boy I wish I didn't get hung up on. I immediately called back and got a different female rep. Told her that I was speaking to XXXX about a dispute and she said that Experian does not have a fax to a in dispute information. I than told her that I have faxed Experian many times and on my fax machine when sending the fax it even says Experian. She told me that she could dispute it with me over the phone, and send it over to the creditor. I am not trying to dispute with the creditor, XXXX XXXX, I am trying to get Experian to follow suit with XXXX and XXXX to delete from my report. I called XX/XX/18 again and spoke to XXXX and again was told that he could dispute it, I told him never mind because I did not want to dispute with company and I will just submit online and upload all my documents. I did this. I have not heard or got any notification that they have received my follow suit letter ro 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 non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, during XXXX 2017, exposed PII including my Social Security number, to an undisclosed third party through improper security protocols. As a result, my information has been stolen and is available to one or more parties looking to use this information improperly.
My SSN ( as you may know ) is perhaps the most valuable number associated with me as a person, financially at least. As a direct consequence of the mishandling of my information by Equifax, and their decision to delay notifying me of this incident, my identity is at an unacceptable risk of being stolen. 

Coupled with information like my drivers license number, birthday, full name, address, etc. Equifax has put me in a position where I have no choice but to monitor my credit constantly for the rest of my life, and also enact a security freeze, permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage with bank of America since XXXX the pymt is due on the first but I have a 15 day grace period. However, about a week to 10 days before my grace period is up they charge an extra {$6.00} for me to make the payment on line. this was not in ther terms of my initial loan agreement and I do n't see how they can charge that since I 'm not past due. I would like all these fees I 've paid refunded to me and I 'd like to know how to inquire about a class action law suit.

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 03/15/2018 about Debt collection (Other debt) with ProCollect, Inc (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: To whom it may concern I have a collection account on my file from a collection agency named Pro Collect Inc. the accounts are as follows : Pro Collect Inc. 
Please be advised that I am disputing these collections due to the fact that Pro Collect Inc. XXXX XXXX XXXX XXXX XXXX, TX XXXX does not currently have a valid license in Louisiana to collect on debts. This information is stating that their license is currently Inactive according to State of Louisiana secretary of State. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical proof that pro Collect Inc. are licensed to collect debts in Louisiana. Your  immediate response will be greatly appreciated. I Have attached proof that Pro Collect Inc. is not bonded and or Active to collect debt in Louisiana.

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 11/29/2017 about Debt collection (Other debt) with ERC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I noticed the company reporting on my report late this summer. I called the company several times and ask them to provide me any documentation that the account was actually mine. This is a account with XXXX that I had ten years ago I switch my service for XXXX to XXXX I had to pay my bill in full. XXXX never sent me any other bill and all of sudden last year XXXX XXXX a collection agency started reporting on all three of my reports. I sent letters and letters and finally early this year the account was removed from my reports. Then late this summer it was right back on my report. I was given no documentation or letters from the credit bureaus that the account was mine and would go back on my report. So lately I been calling the collection company and XXXX and asking them to send me any documentation and I still received nothing. XXXX ca n't find anything when I give them my information to look up. Still today it is still showing on my credit report. I am in the Military and this can hurt my Security Clearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (ND).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: uSBANK PUT A FORECLOSURE ON M, Y CREDIT REPORT FOR THE WRONG DOLLAR AMOUNT WHILE IN LOAN MODIFICATION WICH STOIPPED ME FROM GETTING REFINANCIMNG ]

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 10-06-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have a checking account with Citibank. In XX/XX/XXXX of this, Citibank changed their fee structure for their Citigold accounts introducing a {$30.00} per month service fee. As a result, I requested Citibank change my account type ( also in XX/XX/XXXX ) to their Citi Priority service in order to avoid such fees. I received confirmations from the bank that this changes had been made. 

Since XX/XX/XXXX, Citibank has continued to charge me the {$30.00} service fee on my account. I have contacted them multiple times to resolve this, but they continue to charge this fee in error and I have to contact them every time in order to have these fees refunded. My most recent request sent on XX/XX/XXXX received an irrelevant reply and the fees remain charged to my account. 

I consider this the most simple of requests, but I am frustrated by Citibanks inability to ensure they are not charging me unduly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief