milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2015 about Debt collection (Credit card) with Security Credit Services, LLC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Security Credit Services contacted me about an old debt. The debt amount was for {$2300.00} and I agreed to set up payments of {$100.00} a month. I asked for statements in the mail for verification and also I wanted the paper trail. I never received a statement in the mail and when I looked up my credit report it showed the debt amount as {$7900.00}. I have tried to contact them by phone to no avail. I have stopped my payments on this debt as I think I am being scammed. My credit report now shows that I am missing payments to the debt to which I want removed so I can figure out what is going on here without it reflecting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently made a student loan payment for {$200.00} leaving about in arrears {$1800.00}. My income based repayment is about {$110.00} per month so I am in the process of catching it up. The issue is the American Education Services debited my bank account for the entire {$1800.00}. When I approved the online payment it said {$200.00} but they do n't send a confirmation email at the time of the payment to prove it is setup for the correct amount and they keep the only records of the online payment. So unless one has the foresight to screenshot the process you ca n't substantiate their mistake. Their customer service refuses to even discuss refunding the over payment. If they will not remedy the situation I will move my checking account to new bank and only pay them via cashier 's checks.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Medical debt) with The Schreiber Law Firm, PLLC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is the third time I have requested XXXX XXXX XXXX or XXXX XXXX to stop contacting me about a 14-year-old debt that was paid.This is the  second time I have reported them to Consumer Financial Protection Bureau. They did not respond to the first report.

Company response to consumer: Untimely response
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NE).
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  XXXX   XXXX ,   XXXX   I filed an unauthorized dispute for transaction  XXXX  on my CC. This transaction occurred at a gas station on the West coast. I live in  the Midwest and   have not used that card on the  West  coast ever. Their fraud models missed the clearly inconsistent activity of this card use.     Although my account is completely services online, I was sent a physical letter requesting additional confirmation from me that the transaction was unauthorized. The letter required me to check a box and sign it. Then mail, fax, or drop off a copy of the letter at a branch.     I called into the customer service center to verbally report the unauthorized transaction on  XXXX   XXXX ,   XXXX  , and I was once again told I would need to do this additional step to report the transaction.     Considering all other aspects of the account are serviced online, this additional physical letter requirement to file a dispute, appears to be an intentional deterrent to filing a dispute. The entire dispute process should be able to be done online.

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 02-01-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I closed my account with XXXX and received my final bill from bill period XX/XX/XXXX - XX/XX/XXXX for {$650.00}. I didn't pay because that amount didn't make sense. It turns out that they were charging me for unreturned equipment. XXXX sends an auto email when they receive your equipment and I had received one so I forwarded them that email. After that, I received another bill from XXXX which they adjusted the amount to {$100.00}. I paid that bill back in XX/XX/XXXX. Until this day, I am still receiving collection letters. The first one was for {$460.00} and the 4 or 5 letters after that was for {$69.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I was notified that my monthly payment was increasing from {$520.00} monthly to {$940.00} per month. The increase was intended to escrow for homeowners insurance. I forwarded a copy of my declaration page as well as confirmed with the insurance department that all insurance cost has been paid by me. We agreed that the account should only be escrowed for taxes. Ocwen proceeded to increase the monthly payment. In XX/XX/XXXX I attempted to make the XX/XX/XXXX payment and was unable to do so because it was less than the amount required. I subsequently attempted to contact the identified relationship specialist who has never been available. I have had to speak with 3 other individuals. On XX/XX/XXXX a request to the escrow department was made to opened workflow process. I was told that the process would take 10 business days. A followup appointment was made for XX/XX/XXXX at which time I spoke to another specialist who informed me the workflow process had not been completed. On XX/XX/XXXX I called again spoke to different person who informed me the process had been complete and it had been determined that Ocwen would pay the insurance despite all of the evidence showing they had not paid it in the past 3 years therefore there was no basis for making changes in the escrow amount. I was told that I should faxed them a letter stating my preference to continue paying my homeowners insurance ( which I am doing today ). I have been force to make a payment to avoid being 90 days past due. I have explained to each representative that I can not afford this $ XXXX monthly payment and no one seems to know how to communicate within the Ocwen organization to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: fraudulent accounts, XXXX XXXX XXXX ,X/XX/16 ,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 07/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: This particular offense started on XX/XX/XXXX and now on XX/XX/XXXX. My acoount has always been on ALL alerts, somehow these alerts kept/keep getting 'reset ' by chase. In XX/XX/XXXX a telephone banker reset my alerts to have a blackout period which does not work for me. I was charged another, of many, late/overdraft/insufficient funds fee because of their system problems or situations. I have had my bank account with chase since XX/XX/XXXX/XX/XX/XXXX and have never had so many problems as of late. I am on social security and XXXX so I have to run my checking account the way I see fit and for years it has worked, until recently. Chase has a computer system that keeps changing peoples alerts and they start charging all the high late fees. I would like my fee refunded. Chase is not a good bank for people that are not wealthy, I am in the process of looking for a new financial institution. My settings were set to let me know if I was going into overdraft and allowed me to cover that overdraft with a quick deposit before XXXX eastern time. With their computer resets it is not sending me the alerts I have had set up or requested. That is a false and seems to be an illegal business practice to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been contacted by XXXX XXXX for a debt I owe to Synchrony Bank. On XXXX XXXX, 2016 they contacted me six times from a different number each time. I will list the numbers below and the times that they called. At XXXX I was able to take the call and spoke with a representative. I asked her if they have mailed a letter for debt verification. She stated that they e-mailed me, I advised that I have never received an e-mail in my inbox nor my junk mail. I advised her that they are supposed to mail a letter and they are not supposed to be contacting me on my cell phone but my home phone. Also, I advised that calling me more than twice a day is harassment. I advised them to stop contacting me. The representative was very rude and hateful also. 
The numbers that they have called me fron is XXXX at XXXX *********** at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at 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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Two Fridays ago today I was wrongfully " Denied '' a loan because of some unknown negative credit entry on my " Trans Union '' credit report. I immediately contacted " Trans Union '' to have them mail me my " Free '' copy of my " Trans Union '' credit report. They said that they would However, here it is 14 calendars later and I have still NOT received in the U.S. mail my " Free '' copy of my " Trans Union '' credit report per the Federal law called the " Fair Credit Act. ''

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 08/19/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Using a debit or ATM card

Complaint: It is ridiculous that there are only XXXX ATM machines at this location yet XXXX of them is ALWAYS out of service & this location has a very large population of patrons therefore causing the lines to wrap around the street which is also dangerous as this area is very busy with traffic. I waited in line to use the ATM 30-45 minutes which is UNACCEPTABLE! Something must be done about this issue or I will take my business/money out of capital one bank & bank elsewhere. 

XXXX XXXX XXXX , NY

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with REGIONAL MANAGEMENT CORPORATION (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have been unable to pay a small loan that I owe Regional Finance due to financial difficulties after divorce. Regional Finance continues to call my place of employment after being asked not to over XXXX times and also letter sent to them asking for them to stop calling my place of employment. I have given my cell number for contact which has voicemail but when I do n't answer they call my employer number right after leaving me voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2016 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Billing disputes

Complaint: This concerns PayPal. I ordered a 1 year subscription to XXXX magazine {$64.00}. After waiting almost 3 months and not receiving a singe issue, I contacted PayPal to initiate a dispute. They sent me an email that the matter was resolved with the seller. I contacted PayPal that this is an error and that I had not received the magazine. They got back to me within a day telling me I had canceled the dispute and that there was nothing they could do? 
HELP! This is a SCAM! XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Good Day. 
Regarding an American Express BlueBird pre-paid card I have : CARD # : XXXX XXXX XXXX $ BALANCE = {$1500.00} ( This is a cash deposit I made at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, VA XXXX ( XXXX ) XXXX. The total amount has been frozen, and I can not use the card either, since XX/XX/XXXX. ) Whenever I call American Express BlueBird company at XXXX I get this message : " Your account privileges have been permanently suspended. An email has been sent to your account ... '' Then the representative informs me that : " I need to submit to accounts-review to see how come your account got suspended '' ... and when I ask more questions the representative proceeds to either hang up on me, or repeat the same phrase to me over and over and over again : " I need to submit to accounts-review to see how come your account got suspended ''. 

It has been ongoing since XX/XX/XXXX. 

From XX/XX/XXXX to XX/XX/XXXX I have contacted the company five times by telephone. 

I have contacted the company four times by e-mail ( e-mails sent to the following Executive Contacts ) : Primary Contact, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Secondary Contact, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. 

I have sent letters to American Express BlueBird four times by post/mail to : American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( I have received no response, no reply. ) Please resolve. I want to receive a refund check of the full amount {$1500.00} back to me at the address on file. 

I appreciate the platform you provide to resolve such instances of poor customer appreciation. 
Thank you. 
XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Unsolicited issuance of credit card

Complaint: To whom it may concern : On or around XXXX/XXXX/2016, I visited a newly built XXXX in XXXX, NJ. My only purchase was a white throw pillow. The cashier offered me a XXXX XXXX customer rewards card. I told her that I did n't need one today. She stated that I would receive an additional 10 % for signing up for one. I acquiesced and provided her with my information. I also asked her several times if this was a store customer card or a credit card. She confirmed several times that it was only a loyalty card. She handed me a form and asked me to add my SSN and sign the bottom of the form, which I did. When I finally came to my senses I realized that she had run credit. I IMMEDIATELY called for the manager of the store. She apologized profusely for the cashier making this error. The cashier DID NOT understand the difference between the loyalty card and the credit card. I asked the manager to phone customer care straight away so that I could have the inquiry removed from my report. They said that within 90 days the inquiry would be removed. On XXXX/XXXX/16, I received a letter stating that my application was declined because of income-THIS IS BECAUSE I DID N'T COMPLETE THE APPLICATION WITH ANY INCOME LISTED! I had no idea that I was applying for credit at all.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   XXXX   XXXX   came on my  XXXX   XX/XX/XXXX  as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated  XXXX  (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
 XXXX  ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  & XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Based on the finding out of the equifax data breach, I decided to protect myself by thoroughly investigating my own credit report and doing research. I own a credit one, milestone, and capital one card and recently applied for another one and was approved. Upon seeing things affecting my scores I discovered XXXX hard inquiries, with many of them the Same one twice and all within a week of each other. I have purchased life lock to protect myself and I am going to be placing a fraud alert as well. I am working on my credit to be able to apply for a house loan next year and need these unauthorized inquiries off. I have contacted equifax X/X/2017  please help me remove these inquiries from all CB 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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Credit bureaus are showing a bankruptcy on my credit report which was reported by  US Bankruptcy Court.  I contacted the court and received a letter that states the do not report to the bureaus. I also have a security freeze on my personal file with  XXXX , a private third party company, to prevent them from giving my information to anyone.     The credit bureaus have refused to remove this from my credit report.

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 03/29/2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Delinquent account

Complaint: In XX/XX/2016, my father offered to pay my Citi card. He forgot when he had to have multiple back surgeries and the account fell a few months behind. I was never called, no letter received or email about the delinquency. I did not know my father had forgotten. My wife pulled my credit in summer of XX/XX/2016 and was shocked when she found how far behind I was. I immediately called in XX/XX/2016 and made a payment of {$100.00}. I also made a few more payments and enrolled the account into debt consolidation with " XXXX. " The contract with XXXX was accepted and signed by CITI before XX/XX/XXXX. The contract was ratified on XX/XX/2016. A payment had been made to CITI before XX/XX/XXXX. Another payment was made XX/XX/XXXX Payments have been made continuously since XX/XX/2016. The account is showing as Charged Off. I have been calling for months about this since I am actively paying the account and have been since summer of XX/XX/2016. Each month that I made a payment, CITI noted the Charge Off. CITI entered a contract to not charge off, accepted payments and terms they would not Charge Off the account. I have been calling for months and gotten atleast XXXX different departments who tell me different things. One says they didnt accept terms, another says they did but the charge off was before they accepted, another says there was an error on their part, and lastly the last phone center rep said that I was in PRE-Charge Off when the first payment was accepted. Reguardless, CITI is violating the terms of the debt consolidation agency, their own word and the law by accepting payments on an account that they claimed they never received funds for.

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 06-11-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Application, originator, mortgage broker

Complaint: We applied for a home mortgage loan with Wells Fargo the XXXX part of XXXX for a purchase in XXXX, Ok with escrow to close on XXXX XXXX, 2015. We were told on XXXX XXXX, 2015 that the bank would NOT fund the loan. The bank did not have to courtesy toinform us, we learned of this decision through the escrow company. 
The reason stated for refusing the loan were not accurate but we could not getthe bank to change their minds. To close this deal we had to empty our brokerageaccounts and now can not get a mortgage as a new purchase with the better interest rate. 
Wells Fargo put us in a financially impossible position. To have a lender now it willneed to be a refi and I am being told that I have to wait at least 6 months to even apply and the interest rate has already gone up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation