milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: In XXXX, I ordered a size XXXX vest from XXXX XXXX online. Couple days later, after I received the item, I found out that it was too small so I returned to XXXX XXXX XXXX. The Sales Associates checked carefully upon returning and issued me a credit refund of {$540.00}. 

One month later, I found out that XXXX XXXX charged my credit card the same amount again without my authorization. Therefore, I called them to inquire the reason. The Sales Representative over the phone told me the vest is missing a label. Thus, they have to send the item back to me and charge me again. 

Upon receiving the item from them a week later, I checked carefully and notice all the label was intact, including the tiny size label hidden inside of the vest. I called them again to ask them explain explicitly what " label '' they were referring to. I was told it was the incorrect size label they received. I asked for a detailed explanation. They told me they would contact me once they confirmed with the warehouse department. Ten days later, there was still no reply from them at all. 

Hence, I took the item to the XXXX XXXX XXXX and had the Sales Associate to confirm the size for me. She acknowledged the size I am having is Size XXXX not Size XXXX. I asked her if she could help me resolve this problem, she explained, because XXXX XXXX store and online are totally different enteritis, so I have to contact XXXX XXXX online for returning process. 

Please check the picture I uploaded earlier, it clearly shows the vest I have received from them is size XXXX not Size XXXX. I have no clue why they kept saying it is size XXXX. Again, I tried to contact them but no one seems to care to help me out. 

What XXXX XXXX online did to me is absolutely absurd. Just because they retain my credit card information in their system does n't mean they can recharge me at anytime without my prior consent. 

I contacted the American Express Credit Card to open a dispute but they did not in favor me but did not explain why I have to be charged at the second purchase that I did not authorize. 

I tried to cancel an American Express XXXX XXXX earning card after a fraudulent charge appeared on my account but no one takes action to protect my interest. They told me that I have to wait until next year in XXXX to cancel my account otherwise they will forfeit my cash back earning. Given that it 's only XXXX now and I do not want to wait additional 7 months to cancel it. This is a very unfair business practice for customers who have been doing business with them since 2007.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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: The mortgage company XXXX stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my credit score and credit history. I am a XXXX XXXX of XXXX XXXX Service member.

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 02/17/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am requesting with great dissolution, pain an anger a review of my financial documents for a work out plan that would be affordable.. I am XXXX and my hardship began XX/XX/XXXX when th e economic became horrific. The economy faltered and my business fell. This was the beginning of our struggles. The reduction of income and increased expenses. In the midst of the economy downfall our property taxes went up adding to our expenses. Shortly after I was XXXX. I was no longer able to perform to my job capacity after the accident as a XXXX. I am now recuperating and business is increasing slowly. 
Our mortgage is upside down, the values around have taken from when we bought our property. Refinancing was and at this point is not an option. We have taken distinct steps to better our financial situation. We 've cut back our household budget, eliminating some debs and no credit cards. We heve provided to Caliber homes our financial documents asking for a modification with no success. We have just found out that our house has a sale day of XX/XX/XXXX. I am devastated it and asking for your assistance I want to maintain my home. It is not a palace but is the home that my wife and I have struggled for. All we are asking Caliber is to extended the terms, lowering the rate and adjust the principal balance will make our home definitely affordable and sustainable. 
I hope, you all consider my request. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On  XXXX   XXXX    XXXX   I called   XXXX   XXXX   to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called   XXXX   XXXX   and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I own several personal and business cards from American Express. Generally, I am quite satisfied with the level of service and professionalism that the bank provides and we share a mutually beneficial relationship. I spend a lot of money annually between all of my cards and for that I am awarded a mix of cash back, and reward points. Our relationship spans many years. 

This complaint is regarding my reward points. Sometime in XXXX of this year, I tried using some of my points and was unable to do so. It seems that American Express had placed my account under review and during that period the rewards are inaccessible. I was not notified in writing or otherwise, prior to this review being done. I was not warned. As far back as I can remember I have always been notified of any changes done to my account. This would be the first time that this was not done. 

I have called in quite a few times regarding this, and each time I am told something else. A request to have this concern escalated and resolved was placed, with a promise of a call back or response within 5 business day, but I never heard back.

Most agents do not seem to understand what is going on, and no one can provide me with an explanation. As of today, it seems that my account is still under review.

The most that one agent was able to advise me was that the review is due to some minor refunds I made on my business card. I do n't understand how that may be related to this issue. Another agent advised me that it may take 6-8 weeks from the initial date to hear back, while another told me it could take up to 10-12 weeks. Each agent advised me of a different start date as well so that the completion date varied. I was also told I would receive a call or letter, but none has been received to date. 

I requested to speak with the individual or department handling my account so that this matter could be resolved once and for all. No one was able to provide me with a contact number or name, and there was n't an option to be transferred to them by the agent answering my call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: southwest credit system LPDescription of Complaint : Although this account was in dispute I made an attempt to pay the original lender and have this account removed from my credit report, they referred me back to the collection agency and said its up to them. After contacting Southwest credit sys a collection agency that report to all credit angency. I was told by XXXX XXXX XXXX and other employees of Southweast credit sys that they could not delete this account from my credit report because of company policy and federal laws although I paid the account in full on XX/XX/2015. I have disputed this account from the very beginning and I have not yet as of today received a certified letter from either company concerning this account. I do n't believe what their saying is true. In dealing with another collection angency they had no problems deleting the account after receiving a letter from me requesting it. Mine you both companies are dealing with me in the state of Texas. I 'm looking for help in this situation please. I feel this type of practice is unfair to the consumers. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ive contacted and complained to all of the inquiries to each company no response

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Other

Complaint: Good Morning, Thank you for creating this tool. XXXX issues with American Express:1 ) American Express with zero notice suspended charging privileges on my SPG credit card last week, claiming " Financial Review. '' With zero late payments, frequent payments ( ex : XXXX in XXXX 2015 ), and zero violations of my card member agreement, I am astonished. I have spent the past week dealing with vendor escalations for my company - AMEX has even denied those recurring charges. ZERO notice given ... What is AMEX 's responsibility to me a perfectly paying single Mom with XXXX XXXX and jobs to create? 

2 ) My assistants have always had a copy of my AMEX card with their names on it as Authorized Users NOT Responsible Parties. The Agent with whom I talked last at AMEX said in past years soc # was not required until Patriot Act. The Credit Bureau Dept at AMEX @ XXXX says they possibly reported my current assistant of over 1 year in error. The new requirement to have someone 's social security number on file is a gov't rule, and in no way should it have been used in her debt to income ratio by any lenders .... yet it was. She was denied a car loan and then her STUDENT LOANS this past. 

Thank you CFPB et al for your help. I have worked hard to follow AMEX 's rules and appreciate any advice you have. Is there a Cardmember Bill of Rights yet?

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (WA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I made a purchase using care credit at or around XX/XX/XXXX. Synchrony Bank took over Care Credit and my account. The original agreement was that if I paid off the balance within 18 months, ( which is pretty unrealistic considering the amount of the purchase ) there would be no interest charges. My understanding was after 18 months you will be charged interest on NEW purchases. Well after that 18 months I was billed over {$3000.00} in interest which put my account OVER the credit limit. I continued to attempt to pay down my balance. My problem now is IF I was billed for the interest on my purchase already how am I still being charged interest if my account is closed and there are no further purchases made? Synchrony Bank has hidden fees and over charges on interest. My interest charge monthly is very close to my minimun payment which makes my balance go NOWHERE! I requested some type of settlement in order to help get it paid off, but they declined to assist. I have paid on my balance on time every month since XXXX. They would rather collect your money because they are a TERRIBLE business with unrealistic business practices. All they say is to read the credit card agreement which no where states that you will be double charged on interest. Never use this company!!

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 11/28/2017 about Checking or savings account (Checking account) with U.S. BANCORP (OH).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX 2017 US Bank without notice closed my account and froze my funds.

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 05-06-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen is not reporting my payments on my credit report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2015 my husband and I requested a loan mortgage modification with our current mortgage servicer, Carrington Mortgage, but we were denied in XXXX 2015 ( we have a VA loan ). We had no choice but to pursue a short sale, which we discussed with Carrington Mortgage. We completed the required paperwork and obtained a realtor to process the short sale. We moved out of the home in XXXX 2015 to prepare the home for viewing by potential buyers. The realtor submitted the short sale paperwork to our servicer. On XXXX XXXX, 2015, the realtor contacted the servicer with updates. We received an offer today ( XXXX/XXXX/2015 ) for the home and signed to paperwork. My husband went to the home to mow the lawn and discovered that the lock box was cut off the front door and the locks were changed without our knowledge. We never received a letter from an attorney regarding a pending foreclosure sale. We are very upset because we were not notified the servicer would take possession of the home because we were in the process of trying to sell the home, which we have received an offer. I believe they have violated Georgia laws regarding home possession. We are trying to avoid a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The information concerns the status of my husbands XXXX student loan on which I was a co-signer in XX/XX/XXXX. The loan number appears on my credit report as follows : XXXX The original amount is {$2400.00}. <P/>My husband and I submitted the attached letter in XX/XX/XXXX and the loan information on my husbands credit report was corrected but mine is still inaccurate. The loan is still listed as a negative item on my Experian credit report. On XXXX and XXXX it is showing correctly and not affecting me negatively The following comments appear in the status and comment sections related to the loan : Paid in settlement ; Account paid in full for less than full balance. It is also showing a late payment in XX/XX/XXXX. We have never been late on a payment. <P/>As you will see by the attached letters, I have disputed with both XXXX and Experian but Experian will not correct the problem. My husband disputed it and they removed it from his Experian report. Since I am just the cosigner it should be corrected on mine also. I have disputed with Experian 3 times and they will not adjust it even though it is showing correctly on my husbands report and the other 2 reporting agencies.

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 11/22/2016 about Credit card () with PAYPAL HOLDINGS INC. (IL).
Issue: Late fee

Complaint: Paypal Credit 's website is confusing and does not accurately reflect all activity. When speaking with representatives like XXXX, it 's confusing to them and they can barely follow along with it. I am not receiving statements, which proves it difficult to determine the due dates on the accounts. The Reps are n't knowledgeable and the only thing they repeat to you is the amount due on the screen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans are serviced through Navient. I was enrolled in an 18 month payment program in XX/XX/2015. I was to set up 18 months of payments at that time and to indicate the days the payments were to be deducted from my account. The main idea behind enrolling in this program was to help me become current with my loans. Everything went fine until I checked my credit report and found that the funds were misapplied and as a result it showed that I was delinquent on XXXX loans for 60 days ( it was reported in XX/XX/XXXX even though I had been making payments in the program since XX/XX/XXXX ). This affected the credit of both myself and my co-signers. To make along story short, I asked for them to look into it and reverse the delinquency but was first told that it was correct and there was nothing they could do. I received no notice ( though they said they sent something ) that they will not reverse the decision. Then I had to call and plead my case for several hours and finally was able to talk to someone. After this they reversed the decision but this is still going to show up on my credit report when it should n't have been there at all. This will affect me for the next 30 years as I buy a house or try to obtain credit for other purposes. It makes me wonder what other payments have been misapplied or otherwise mishandled leading to penalties or other financial ramifications. I add this in the hopes that it will further the case with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Other mortgage) with Selene Finance LP (WA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom this may concern, I 'm writing to seek some assistants in regards to a property that I 've tried for several months since XX/XX/XXXX to complete a short sale on a home. The lender has not called us back or followed up with us. The person assigned mentioned last time we spoke with was over a month ago said that she was going to review the documents and offer, if she was missing anything she was going to call us and let us know, we never heard back. So we called and called with no call back. Once we got her on the phone she did n't remember the conversation and once again told us that she would review the documents and offer and submit it over to the investor for approval, we still have n't heard back. We 've called left at least 3 messages a week on her voice mail with no return call back. They have linked my office phone to only go to her extension so I ca n't talk to anyone else. Now they have set another foreclosure sale date set for XXXX XXXX. They are not reviewing the file or the short sale of the home and will not advise us as to why or follow up with our numerous attempts. Please help us in away possible as we have had this offer with them since XXXX XXXX 2015. This seller has filed bankruptcy and the lender has tried 3 times to take the seller to court to foreclosure on the property but everytime it 's thrown out because this property has a bad deed. In XX/XX/XXXX we 've also submitted in a value dispute with no response back in regards to that either.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (AZ).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: Purchased {$200.00} prepaid card on XX/XX/XXXX.
Card was denied when I tried to used for {$200.00} purchase.
Looked up card information at XXXX and found out that there was an unauthorized fraudulent charge in another state that depleted most of the balance. The card was always in my possession and had not been taken out of the packaging prior to my first attempt to use.
Called number on back of card and was told to fax card info, photo of front and back of card, name, phone number, address, email address and receipt.
Submitted fax on XX/XX/XXXX. Did not receive a response.
Resubmitted fax and copied the CFPB.
Received response from CFPB only.
Called number on back of card and was transferred to the Prepaid Debit Dispute Center on XX/XX/XXXX. Was told my claim was denied due to " too much time has passed '' Called CFPB and was told how to submit a CFPB claim online on XX/XX/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 monetary relief
Consumer complaint received 01/31/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am very disappointed with Experian. There are inaccurate items on my report dragging my score down about XXXX points. Please find the attached letter of said inaccuracies.

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