milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I reported to the issuer of my XXXX XXXX that there has been a fraudulent or unauthorized charge to my card on several occasions. 
Each time was with instructions to complete a form. I submitted the forms with no reply. 
The only item was yet another charge on my card each month. 
On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX my card was charged {$16.00}. I attempted to contact the company regarding the charge with no response. The company deletes messages after 120 days, so I do not have record of each of the messages as they have deleted them from the website. I received a form to complete and return, which I did sometime in XXXX or XXXX XXXX. I received no response. 
However, my final frustrated request was on XXXX XXXX, XXXX demanding that the fraudulent charges be refunded and that my account be closed. They replied that they will report my non payment to the national credit reporting agency even though I have reported this as fraudulent. When I logged in to their website this evening, I see now they have charged me late payment fee of {$16.00}. Sort of ironic as each of the fraudulent charges were for {$16.00}. I am furious at the inaction of Comenity Bank regarding my account. 

I have no documents to upload other than the statements as I have not received anything from the XXXX XXXX CT.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed this item with XXXX and the item was removed and I requested that the other XXXX bureaus be notified, however, this was not done and the same error is appearing on the other XXXX bureaus and it is affecting my ability to obtain employment. I am XXXX. The credit bureau is reporting a public record XXXX from XXXX/XXXX/2011 as belonging to me however, when I called the courts about the debt belongs to someone else ( XXXX XXXX ) and this debt has been added to my report in error and I am requesting that it be removed. Please see attached supporting documentation.

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 03/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, We are not sure what to do.. We think we are being scammed by Wells Fargo-we have been paying them for over 9 years and nothing has gone to the principal on our home on an {$85000.00} loan. We still owe over XXXX. We can get no answers from the and we also told they service the loan only. We were told by a rep that he could not disclose to us who owned the loan. We looked up on XXXX to find out who owned the loan and they told us Wells Fargo took it in 2007, which is what we understood when we refinanced our home to do improvements. We have had nothing but trouble with them-impossible to get answers and communicate. We have asked about getting the interest rate lowered by refinancing when the rates were so low but got the run-around. We have spent so much time on hold and being transferred, ect, ect, we are worn out and hve given up many times due to frustration and keep on paying. We have never been late except XXXX time when WF took out XXXX mortgage payments-we had to fight them and they said the only thing they could do was return both payments and then take out the one we owed. When they did this, they reported our payment as late when it was not. We have never been able to get them to correct this. We are worried they are not applying our loan payments correctly.

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 10-07-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I mailed Experian a letter asking them to investigate numerous items. I included all the required documentation as per the instructions on their web site. They sent a letter saying I did not send the right ID

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 01/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Judgment against me listed on my credit report, however under " Status '' it 's reporting as " unknown. '' Now, as public record, the reporting agency could easily have found that the debt had been settled XXXX/XXXX/2014. I haven been denied housing and utilities due to this " outstanding judgement '' for several years. I need this fixed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2016 about Debt collection (Federal student loan) with United Student Aid (USA) Funds (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was serviced with a notice of wage garnishment and after repeated calls to my work I was placed on notice by my employer. I was involuntarily laid off prior to me becoming homeless and like I stated I have been at my current employer for less than 3 months now. I do not have money to eat or live and have documents to show so. I created a packet with all documents required and submitted all XXXX pages to the number on the sheet and addressed it to the company and presiding judge. And I have proof of this. I called XXXX XXXX XXXX this morning and was transferred numerous times informed I was in the wrong department. Finally after waiting on the line for 15 minutes a woman by the name of XXXX tells me that I have to call the number XXXX XXXX which she stated is a " post claim '' number. I called that number and apparently that number is for direct tv. I do n't know if XXXX funds and XXXX XXXX XXXX think it is funny to play with peoples lives like this or if you are purposely doing this to individuals who request a hearing but either way I will be filing a complaint and if someone does not tell me if my documentation has been received I 'm going to contact the media. If you wo n't provide me with the information maybe you provide it to them. I only have to XXXX/XXXX/16 to verify that my hearing request has been received and they refuse to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a new hard credit inquiry, that I did not authorize on Equifax. It for   XXXX   XXXX  , which is something I would never want. Awhile ago I applied to prequalify for a credit card but never gave anyone permission to run this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I used my XXXX XXXX card to purchase a service from XXXX XXXX XXXX   ( XXXX ) in XX/XX/XXXX. For {$2500.00} they were to provide my father ( this was a gift to him ) with four dates within a six month time period.

After six months XXXX had failed to provide my father with any dates. I requested a refund of the money three times. After I got no response from XXXX I contacted XXXX XXXX and told them the story and they agreed to dispute the charge on my behalf and credited my account back for the money approximately XX/XX/XXXX.

In XX/XX/XXXX the {$2500.00} charge reappeared on my card. I called them to ask why and they claimed that I had received " services '' from XXXX. I argued with them that I had not and they stated that they " could not help me '' because of the " cancellation policy '' in the contract. I pointed out that the merchant had failed to honor XXXX terms of the contract. They refused to remove the charge and I am now forced to pay for a service that I ( really my father ) never received and never will.

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 02/14/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 've disputed these XXXX reportings from XXXX XXXX XXXX numerous times. All XXXX reporting accounts erroneous. Account Status Inaccurate/Should n't be a " Past Due '' balance on a collection. Not to mention no true validation for these accounts has been provided and Experian says that the accounts were verified. Please see attached documents of these erroneous accounts.

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 07-01-2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Please see attached documentation. It explains I quick deeded the property in 2010 and have no further obligation financially to this however Chase continues to report it to all three credit bureaus and there are lates associated with the property that are very detrimental to my credit and it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Wrong amount charged or received

Complaint: On XXXX XXXX we did a wire transfer to a beneficiary we 've known for a long time, using the wire transfer services from Bank of America. This was not the first time we wired the same company. We have for many times sent money from the SAME ACCOUNT and TO THE SAME ADDRESSEE. And at all times except this XXXX our supplier got the money with no major issues. This time the money was NEVER received and Bank of America says that there is nothing they can do if the other part did not get the money. They suggest me to contact the intermediary bank! HOw come? Is with Bank of America I deal with! This is at Bank of America I deposit our money and " trust ''. How come they CAN NOT BE HELD RESPONSIBLE for a wire transfer service if they charge to do it??? 

This is the information on the XXXX : XXXX XXXX : XXXX XXXX, XXXXAccount Manager XXXX XXXX XXXX XXXX Number for XXXX XXXX Number I received XXXX from Customer Service @ Bank of America XXXX XXXX XXXX XXXX XXXX - Ext XXXX email is XXXXXXXXXXXX and my ph number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust who has no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is the AES and NCT wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to collage before getting married, and was surprised when they were going to figure my payment from both incomes, but whatever then they said that they base the payment from my PRE-TAX income, if I brought home my pre-tax income I could make a payment, as it was they wanted almost XXXX dollars a month, which was too much and when I offered to send at least XXXX a month for good faith I was told not too bother that it would not be counted. Prior to becoming Navient I was paying XXXX $ a month and there is no record of it from Navient so that was a waste of payments so I have been deferring and racking up interest. I hope too have my car paid off in a few years ( need the car to get to work ) and I can put that payment to my Loans but it would still only be XXXX a month so im at a loss I want to pay but XXXX a month is too much I would rather pay XXXX a month till im XXXX then XXXX and not feed my family

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hard inquiries in my report that I do not recognize

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 11/16/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Settlement process and costs

Complaint: A man living w mom helped her do modification on mortgage. He provides no loan documents and mom is XXXX XXXX XXXX so when i acted like i had proof of wrong doing he purchased a car and ran, came back then i got some paperwork saying she was paying a " note '' not a mortgage and she has to go by loan docs ( not att ) and interest is almost 5.5 % she saves nothing now 2 weeks behind again. She had to do XXXX trial payment sessions. All info on house is unsearchable and sh is listed XXXX different ways, no mid initial, mid initial C, and mid initial W. please help we have no money for atty

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Chase bank closed my XXXX card account after I had been a cardholder with them since XX/XX/XXXX-XX/XX/XXXX. I had informed a customer service representative that I would pay XXXX of my XXXX balance on XX/XX/XXXX. The card was closed on XX/XX/XXXX. 

I ran into a financial difficulty in moving from XXXX to XXXX and this caused a delay in getting my monthly bill made. Prior to that I had been a customer in good standing with Chase and loved using my XXXX Card for points for stays at XXXX all over the world. 

I spoke with a representative and then received an email from a rep stating that once a card has been closed, it can not be reestablished. This is a poor reflection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ray Klein, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My son had  XXXX  in  XXXX  of  XXXX . He had  XXXX   ( Medical ) a nd the procedure was fully covered. The procedure was done through  XXXX   XXXX   XXXX . On  XX/XX/XXXX , I went on  XXXX   XXXX  to check my credit, and noticed a collection account in the amount of {$7300.00}. I was shocked. I immediately called  XXXX   XXXX  and they explained that the bill never got paid so they sent it to collection. I explained I never even received a bill. The lady then said well I 'll check  XXXX  's eligibility for the date if service rendered and she found the service was completely covered. She apologized profusely and stated the hospital biller had made an error and was billing the procedure in my name, so it kept getting denied.   My concern it that this is n't fair. This has apparently been affecting my credit for 7 months and it 's still on there due to  XXXX  's own incompetence. This is n't fair to me and would really appreciate some help or insight as to what action I can take at this point.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Taking out the loan or lease

Complaint: I was approached by Wells Fargo to take out a Credit Card and I was approved for {$5000.00} but only wanted about {$1000.00}, they told me not to worry that in 90-180 days they would have debt repayment or consolidation low interest special, so I accepted the higher credit limit. When I saw an advertisement about the low interest loan program in about 90 days later, I applied and my credit could not have changed that much, but was turned down. So, now I have been forced to pay off a high interest credit card, where I transferred debt expenses to and was given false, misleading, and deceptive information about. This is wrong and not right.

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 06/24/2016 about Consumer Loan (Vehicle loan) with COMPUTER SCIENCES CORPORATION (CT).
Issue: Managing the loan or lease

Complaint: my husband and i went online to pay off a truck loan thru CSC Logic on XXXX/XXXX/16. I hit the pay off amount and it gave me a pay off balance of {$730.00} which i then paid off after waiting 30 days to get truck title they sent us a notice of balance of XXXX which we did not understand why when we requested a pay off amount and we paid the amount for the pay off on there online system they then sent us another bill fro XXXX which then put in a claim with the XXXX they then sent us a ltr to call them which i did on XXXX and spoke to a XXXX she then advise me that the remaning balance was for NSF payments & interest charge which i then adv her i will be putting another complaint againts them for violationg our FDCPA rights she then adv i can do as i please

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 02/17/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Good afternoon, I purchase a home in I believe XX/XX/XXXX and unfortunately due to financial difficulties defaulted and went into foreclosure, I did apply for a loan modification but it was not approved. I had two loans the second was a balloon payment. Ditech financial is the company trying to collect on the debt. Its been over ten years and they do no stop sending letters or calls. On occasion I have spoken to them and let them know it was impossible for me to pay this debt and of course I no longer have the home. it is frustrating to keep seeing them report on my credit its past ten years and still receievig calls and notices. I have disputed their credit reporting with no progress in getting them removed from the credit report. What rights do I have to get these people to go away.?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Delinquent account

Complaint: XXXX American Express Card # s ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. Court of XXXX county court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with Amex in official court settlement. I have sent XXXX County Court Order and Settlement Agreements of Company with Amex to all 3 agencies, namely XXXX, XXXX and XXXX but they fail to delete these cards stating that one on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and Amex is reporting it improperly or credit agency do not care. This is my 10th or 11th time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless.

Company response to consumer: Closed with explanation