milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: American Express offer to enroll me to automatic accident insurance every time I booked a ticket under my card. In the past, I kept on complaining that I should not be charged for insurance if the plane ticket is not under my name. I trust them that they will not charge me because I already placed several complains about this. So what I noticed whenever I had a chance of checking my charges I saw some automatic insurance charge and I even have a record in their system about my complain. Again, I saw some charges these past few months and I was told that the policy of the insurance company who is Amex partner change that every time a plane ticket is charged regardless if its me or not will be charged with automatic accident insurance fee. I was told that they send letter about it and XXXX me because I fail to read it, I am now penalized for automatic accident insurance regardless who is the passenger.
I 'm not a lawyer but this is a sneaky way of doing business with a loyal client for the past 15 years. If I will enter into an insurance agreement, I must clearly consent it.
This sneaky way of generating revenue should be stopped and I need to know what available option I have because I spent so much time fixing this instead of going to work. I 'm not only losing money here, but I also lost time which I 'm supposed to be earning money to iron out these constantly repeating issues.
Thanks for your help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hello, Simply I contacted XXXX to ask them to reinvestigate several hard inquiries on my credit reports. When they got back to me, they stated that I did authorize the hard inquiries, I asked them to provide proof of this and they will not. I ask that you guys aid me in having XXXX completely remove the hard inquiries for lack of proof.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage , LLC is attempting an illegal foreclosure on our home! Nationstar mortgage willfully and intentionally misappropriated funds that were actually WITHDRAWN FROM OUR BANK and processed via Nationstar 's merchant processing, XXXX XXXX then assimilated into Nationstar XXXX account, held for months, then reprocessed into a Nationstar generated check and mailed back to borrower with no prior warning, threat of detrimental action NOTHING! XXXX {$2200.00} SUBMITTED BY BORROWER, PROCESSED BY SERVICER NATIONSTAR, MONEY HELD IN LIMBO AND NOT APPLIED TO XXXX!!! ) Money held by Nationstar for XXXX months causing not only a delinquency but withholding said FUNDS PAID from XXXX is a criminal offense for a mortgage servicer who takes on the responsibility of an FDCPA regulated collection agency, mirandizing borrowers while scantly servicing mortgage needs. 
Nationstar has proven that it is in their financial interest to force defaults on borrowers, which in turn fuels their fraudulent collection practices, accruement of late charges and fees, immediate property inspections as well as new XXXX XXXX policy requirements to fit their profit structure. All alluding and subversive with regard to nationstar Investors knowledge of unfair business practices Your intermingling of HUD guidelines via mortgage servicing with FDCPA collection guidelines under the same umbrella should be seen as a conflict of interest and is an issue for the Consumer Financial Protection Bureau, FTC to examine as well as the XXXX Treasury Department. Being that Nationstar 's collection and mortgage servicing are based in the state of Texas this constitutes XXXX commerce efforts into the state of Nevada. 
Nationstar Mortgages ' attempt ( via FRAUDULENT debt validation letter from CLEAR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Ph : XXXX ) to VALIDATE and accelerate debt in the amount of $ XXXX foreclose on this property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX ) IS AN ILLEGAL ATTEMPT TO FORECLOSE WHERE THEY HAVE NO STANDING! This debt was challenged by way of debt validation demand immediately following Nationstar 's acquisition of servicing responsibilities from XXXX XXXX XXXX by XXXX XXXX dated XXXX XXXX 2013 sent certified mail to Nationstar Mortgage. NATIONSTAR FAILED TO RESPOND WITHIN 30 DAYS! To this day 34 MONTHS LATER Nationstar has n't so much as responded to DEBT VALIDATION submitted by borrower PERIOD! Proof of receipt can be proven in several ways. 
Should Nationstar be truly interested in keeping the homeowner 's in their home We have included multiple guidelines established by XXXX that Nationstar still has the option to exercise that can save this home from a XXXX drawn out foreclosure and legal battle

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Transaction issue

Complaint: I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$2500.00} done on my card by XXXX charged twice on XXXX/XXXX/2015 and XXXX/XXXX/2015, total of {$5000.00}. They contacted me by an unsolicited phone call they promised me a banner, an ad placement, vip placement, 3 month ad placement, they would promote XXXX website.They kept saying how important their services were and would bring traffic to my website. was their Supposedly leads and visitors to website. I never got any results of their work.I did not get any benefits from it. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.

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 Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OnXX/XX/XXXX I called Santander Consumer about my XXXX payment. I stated that I was not going to be able to pay the full amount and the customer service rep informed me that she could offer me an " extension '' on my loan that would put XXXX and XXXX 's payment on the back of my loan. I agreed and the customer service rep informed me it would take up to 10 days for Santander to process the extension on my loan. I called back and asked about the paperwork they were supposed to send me she stated that I would get an email and when I received the email to electronically sign the docs and my next payment would be on XX/XX/XXXX. I did n't receive the email until XX/XX/XXXX. I did everything they asked of me and thought everything was fine. I have my account to be set up with recurring debits so Santander actually still got a payment for XXXX in the amount of {$300.00}. Then in early XXXX I get a notification that I am 30 days late in XXXX. How can I be late in XXXX if my XXXX and XXXX payment was " extended '' and put on the back of my loan?? I called Santander and they stated that the paperwork was not finished processing until XX/XX/XXXXso that 's why its a late on my credit. Santander waited until my account was 30 days late then they processed the paperwork. That is fraud because they purposely waited until my account was past due then processed the paperwork. I called Santander to resolve this problem but they will not correct it. How can Santander say I was late for for a month that they put on the back of my loan. I have never been late or missed a payment since XXXX of XX/XX/XXXXwhen I got this loan and I have my account set up for recurring payments so this wont happen.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: open a simply checking account in XXXX 2016 due to the promotional XXXX bonus have not received of this date called customer service was told did not received it because my son has me on his account what does have to do with the fresh account under my name that i open in XXXX have to do with the promotion very dissatisfied if the person at the branch would have told me that because my son put me in case of a emergency on his account i would have never open XXXX at this point i am looking into other company to do business with

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 12/14/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX. 

I had submitted a bank statement request for a client on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that they were unable to process the request. I would like to receive the bank statements requested. 

Document Identification : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Hi my name is XXXX XXXX I have been trying to get a loan modification with my servicer Ocwen on my property XXXX XXXX XXXX XXXX, XXXX CA XXXX for over 3 years, they have refused to cooperative and they have been engaging in dual tracking and wrongful foreclosure. My property is now in foreclosure and i am facing the possibility of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was offered a credit card from XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX. I sent in the application and never received the card. On researching, the bank of mailboxes that supplies our house was broken into and mail stolen. We called XXXX XXXX XXXX and reported we never got the card. The card was apparently used at a XXXX in XXXX Colorado shortly thereafter. and the police were to lazy to look at the security camera video and apprehend the thief. I have called XXXX XXXX XXXX 5 ( five ) times since and each time been told that the realized that this was the case and that they would erase any charges and close the account, and each time continued to receive bills until the 5th time. Apparently they then reported adversely on my credit. The last time I talked to them was over a year ago. Apparently No matter how many times I call them they can not get it right so I thought I would go to this website to get action. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Colorado 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 02-08-2018 about Mortgage (Other type of mortgage) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Trouble during payment process

Complaint: I Am Requesting An Itemized And Audit Report On My Account With XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX Because The Fund's That I Have Paid Is Not accounted For And My Account Balance Is Not Accurate

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 09-12-2017 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 Inc improperly stored information possibly relevant to my credit history. As a result of a vulnerability in their systems, my information may have been improperly accessed and/or stolen. Furthermore, this breach was known since XXXX XXXX, but was not made public until XXXX. 

Any attempts to discern if my information was indeed obtained/accessed/ were not made clear, as the site they offered ( www.equifaxsecurity2017.com ) provided vague answers as to if I was affected. This site then requested that I check back at a later date to pay for a service to help address this problem. 

On XXXX XXXX, Equifax, as stated via XXXX ( XXXX XXXX XXXX ),  began offering free credit freezes, but only for the next 30 days. 
However, I 'll more than likely need to pay out-of-pocket with XXXX and XXXX to freeze my credit report in the event my information is used to open accounts with creditors that do not query my credit with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This letter is a formal request to remove unauthorized inquiries from my credit report. I have n't applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 
Please delete all inquiries made by XXXX XXXX, XXXX, XXXX and XXXX XXXX. That is over XXXX inquires and some are for the same day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: MAIN PROBLEM WITH EQUIFAX IS REPORTING ACCOUNT ON DISPUTE WHEN IT HAS BEEN PAID AND SHOWS BALANCE DUE AND PAST DUE AMOUNT WHEN THAT 'S INCORRECT SINCE THEY HAVE BEEN PAID. On XXXX XXXX, 2016, I had contacted Equifax at XXXX and spoke with " XXXX '' at Customer Service, regarding disputes that appeared in my credit report. I requested to remove all comments due to my application for a mortgage loan. She informed me that this would take XXXX48 hours to be removed. This phone call was recorded by Equifax, as I was informed by XXXX. On XXXX XXXX, 2016, XXXX ( the Company used by my mortgage processing company ), informed me THAT THE COMMENTS/DISPUTES THE DISPUTES ARE STILL SHOWING ON MY CREDIT REPORT. That same XXXX XXXX, 2016, at XXXX XXXX, I contacted Equifax -again -- regarding this matter, and was told by the Customer Service Representative, XXXX ( told me was her name ) that are were nNO DISPUTES.COMMENTS SHOWING. However, this is not true ( included is a copy of the report ). As established by the Fair Credit Reporting Act ( FCRA ), my rights have been violated by Equifax in their reporting practice. This irresponsible manner to conduct the business of such a powerful Organization ( let 's remember that what the Credit Bureaus report dictate whether or not a person gets approved for a mortgage loan ), can cost me the opportunity of buying a house ; a house that I have been looking for months and that now due to this matter I might loose. Therefore, I respectfully want to submit a complaint regarding Equifax irresponsible credit reporting and violation of the FCRA. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX keeps calling my cell number looking for someone else. They don't seem to understand that they have the wrong number. They continue to leave me voicemail messages indicating there is an urgent and pending matter that must be addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Billing disputes

Complaint: On XX/XX/XXXX we bought an under counter ice maker at Lowe 's and paid with my Lowe 's credit card ending in XXXX. When we bought this ice maker we were told by the sales person that this ice maker had a 12 months manufacturers warranty on it and this was confirmed on the Lowe's/XXXX paperwork. On XX/XX/XXXX we called Lowe 's to report that this ice maker was not working. Lowe 's stated that we had to call XXXX as this was a warranty issue. We called XXXX and reported this problem. They sent out a repair person from XXXX refrigeration. A person came to repair the refrigerator 3 days later and left stating that they would order a part and would call us 5-10 days later to schedule a repair time. After 10 days I called XXXX because we had not heard from XXXX. XXXX tried to call XXXX and got no answer and gave me the number so I could also call them. I called several times and also called XXXX back XXXX times for them to follow up. I finally called XXXX and got a lady who stated on a call XXXX XXXX that they did not do XXXX XXXX calls. I again called XXXX and reported this. XXXX said that they had no other service people and would report the problem to a manager who would call me back in 3-5 days. No call came so I again called XXXX and they again gave it to the Manager. I wrote a letter to the President of Lowe 's and the President of XXXX. Lowe 's responded with a referral to an executive support team. I have talked to XXXX from Lowe 's several times and he had tried to get help for me from XXXX. Another appointment was set up for XXXX XXXX with XXXX. No repair person showed up. XXXX called on XXXX XXXX to say they would not be coming as they do not repair under counter ice makers. I called XXXX again on XX/XX/XXXX and got told that they would try to set it up with somebody else but I had to call next week, but they felt there were no repair people in the area and I could find somebody myself but they would only pay for the part and the initial service call. This item is under warranty and I should n't have to pay anything. The item and the warranty were sold to me by Lowe 's. This is bait and switch ... sell me a product and a warranty, and then push me away when it breaks. I want my money back and this item gone.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent Central Financial Control letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.

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 07/26/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Remove XXXX Bank that is open on XXXX XXXX, XXXX, that has me listed as an authorized user because I am not. Balance is XXXX Remove XXXX XXXX Bank XXXX that is opened on XXXX XXXX, XXXX, that has be listed as an authorized user because I am not. Balance is 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 10/20/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a Loan Modification with Well 's Fargo Home Mortgage and I was denied. But the reason that I was given is that I did not have a hardship. My husband and I have been separated since XXXX 2014 and with the loss of his income I am finding it hard to meet my monthly mortgage which is {$2400.00}. My monthly gross income is {$3400.00}. The reason that I was given for being denied is that I my gross monthly income should allow for me to meet my mortgage payment, but after taxes and paying my utility bills and second mortgage, I can hardly pay this payment. All I am asking Well 's Fargo is to lower my mortgage payment. I do n't understand what their criteria is to qualifiy for a Loan Modification. From doing my research, I have found out that these Mortgage Companies are not really helping many home owners at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I keep getting letters from different collection agencies. I do not have a contract with this company sunrise credit services. Therefore they have no right to try to put an account in collections when I do not have any contracts with this Company. This is illegal. There is NO contract.

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 08/27/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: told to get XXXX to pay loan because they wpouldnt letus change dates.on fixed income and ss comes in after the XXXX of the month .say we had to be charged for that service.we have been paying this XXXX service for a while and I could n't understand why? said it was because we could n't paqy on due date.they also never had us to sign any papers when they took the note from XXXX.we still own around XXXX and only paid XXXX for unit.been paying since 1999.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation