milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: This complaint involves   XXXX   XXXX   XXXX   on Experian, Partial account number  XXXX  Date opened :  XX/XX/XXXX Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter   XXXX   Account history Debt included in Chapter  XXXX  Bankruptcy on  XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone number   XXXX   partial account number ;  XXXX , date opened  XX/XX/XXXX . I just recently traded in the vehicle in  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 10-10-2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: While trying to apply for my first credit card at wells fargo I did not pass the red screen. They told me i had accounts not paid for as agreed. There were no records that i was sent to collections or had accounts closed. I also received a new job but they pulled their offer a few days before i was supposed to start because of some accounts on my credit and now i have been unemployed for over 3 weeks. Wells Fargo recommended i contact experian to see my credit report and sure enough i had XXXX business accounts sent to collections by wells fargo. I took the account number and contacted wells fargo and had them show me the applications for these accounts. While going over the accounts the banker who i 've never worked with or a branch i 've ever been to created a fake business and opened XXXX accounts. They also put my mothers phone as the business number and left other information incomplete. To top it all off there are no signatures on the applications. They are left blank and a box that states i submitted these applications manually.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fraud or scam

Complaint: Half a year or so ago, my American Express XXXX XXXX account was hacked and used for fraudulent activities. 

{$500.00} was on my account at the beginning of the fraudulent activity. On the first day, the perpetrator used my credit card account which was linked to the OneVIP Serve account to transfer a daily maximum of {$200.00}. Afterwords, he/she withdrew the money as an " Unauthorized transaction '' ( the money went to an account to the name which I do not have any recollection of, seen when I logged-in at a later date ). The next day, {$200.00} was transferred to Serve using the credit card and then withdrawn into the the same unknown name as an unauthorized transaction. At this point, I logged in and found out my account was being targeted for fraud. I called XXXX to gain access to my account ( email, password, & personal information were changed ), remove my credit card from the account, then called XXXX again to submit a fraud claim. I did not receive any notification or alerts when the perpetrator changed nearly all of my account information. 

An American Express Serve account representative has told me that the transactions were valid and that they can not recoup my losses.They have closed my account as the representative told me it was standard procedure when a fraudulent activity report is denied. 

At this point, {$400.00} has been returned to me by the credit card company ( XXXX XXXX ) for the two unauthorized transactions of {$200.00} each. XXXX is unwilling to recoup the {$500.00} I lost from the unauthorized transactions. I have submitted a CFPB complaint a few months ago and no resolution has come.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (FHA mortgage) with U.S. BANCORP (TN).
Issue: Trouble during payment process

Complaint: I have two problems regarding my PMI policy and the way it was handled by US Bank. Issue   1 is frustrating but no longer relevant to being fixed for me, issue 2 is still a problem.
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1 ) PMI insurance has to be maintained for 5 years before you can request cancellation. I refinanced my loan after having it for 4 years to get a lower interest rate. Nobody informed me it would restart my PMI clock, so I 've had PMI insurance on my loan for   almost 9 years, which is frustrating at over {$75.00} per month on a {$550.00} mortgage.
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2 ) 3 months ago, I reached 5 years and less than 80 % and I have met all other qualifications to remove the PMI from my loan. Nobody called or sent a letter to inform me I could get it removed ( irritating ). So I called and spoke with a rep who verified all the qualifications and said I qualified to have it removed. I asked him to request it removed and he said, " I ca n't ; you have to send in a request in writing to have it removed. This feels like a run-around to get even more money out of me and make it mor  e difficult to cancel it so I might just not worry about it and keep the PMI. ''

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 05/19/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was denied credit by XXXX XXXX on XXXX/XXXX/15 and an apartment community last weeK. 

I went to Equifax today to get my report due to adverse action online, they said they ca n't give it to me because I do not have a paid service with them. They told me to go to Annual Credit Report.com to retrieve it. But, I said I am requesting because of adverse action. However, I did what they say and because of Equifax and too many requests they told me to make now I ca n't get it. I spoke to a fourth person at Equifax at XXXX at XXXX today and he said the only way I can get it today and right now is by purchasing it with him on the phone for {$10.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I am receiving Safe Deposit Box Payment Notices from Bank of America. I do not have, and have never had, a safe deposit box with them. In the past, I had a retirement account with them, but that was closed many years ago. My husband and I have also had joint accounts with them XXXX also closed ) but the safe deposit box is in my name only. I wrote to them in XXXX and informed them that I do not have the box and told them to close the account and to notify me in writing that it is closed. This did not happen. When I received another notice today - XXXX - I called the local branch listed on the notice and the corporate customer service. Neither one of them could help me on the phone because I do n't have an account number to provide ( because I do n't have an account! ) There are now {$85.00} in past due fees shown. Please help.

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 05-05-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Borrowers were approved for a 3 month trial for a Proprietary Modification in XXXX XXXX with XXXX XXXX. First payment was XXXX XXXX, XXXX in the amount of {$1400.00}. They made XXXX payments to XXXX XXXX and were never offered the permanent modification. The loan was transferred to Specialized Loan Servicing and the borrowers made their first payment to SLS in XXXX XXXX. The borrowers have proof of every single payment made to XXXX XXXX and SLS starting with XXXX XXXX through XXXX XXXX. 

The borrowers were never given the permanent modification and they are still waiting for it. The borrowers did not start questioning the status of their loan until they received the Default Notice and Notice of Intent to Foreclose dated XXXX XXXX, XXXX from SLS. 

Please note we submitted a dispute letter along with back up documentation to SLS on XXXX/XXXX/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 01/22/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Duvera Billing Services, LLC (AZ).
Issue: Charged fees or interest you didn't expect

Complaint: Had to get our transmission fixed in XX/XX/XXXX. Applied for credit for {$1500.00} through XXXX on XX/XX/XXXX. The manager said if we pay off everything by XX/XX/XXXX everything should be fine. He let us know that the payments would be {$200.00} a month. Come to find out it was at a 151.99 % interest rate for the next 24 months. We have now paid {$1400.00} and only {$91.00} of that has gone to the principle, leaving {$1300.00} paid in interest. I feel that in our time of need, XXXX XXXX  took advantage of us and we will pay more than double the amount of which we borrowed.We have paid on-time continuously and are left in debt because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT 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 01/22/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Because I still have debt remaining on my student loan, The Treasury Department is currently deducting money from my retirement SSA monthly payment. Last month, the amount they took out was about {$120.00}. My SSA monthly payment rose about {$20.00} more a month. Yet, the Treasury Department told me that they are now taking out {$170.00} a month. That is {$50.00} more a month than last year, yet my SSA payment in total only increased {$20.00} more a month than last year. What accounts for the large increase in the deducted amount? What is the formula? This is hard on me as I ca n't pay for my health insurance and my mortgage with my SSA payment now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (WY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My name is XXXX XXXX and I started a reverse mortgage application with American Advisors Group ( " AAG '' ) in XX/XX/XXXX. I believe the start date was XX/XX/XXXX. It has been over 5 months and I still do not have a reverse mortgage. I have been lied to and led on by this company. When we started this process in XX/XX/XXXX, the agent at AAG told me he would have me closed in XX/XX/XXXX. XX/XX/XXXX came and went with no reverse mortgage. Meanwhile, my present home mortgage company was calling me because I have been unable to make my house payments. 
The agent at AAG told me not to talk to my present home mortgage company. He said we would have this reverse mortgage closed before they could start foreclosure proceedings. Well, I AAG toward the end of XX/XX/XXXX and got some excuse about not closing after the XX/XX/XXXX of the month. So, XX/XX/XXXX came and went. Then in XX/XX/XXXX, AAG had me do sheetrock and painting repairs in my house. The agent at AAG told me to just hang some sheetrock and paint. He said we could get this reverse mortgage done after that. I called the agent the first week of XX/XX/XXXX and he told me we were just days away from closing. About three days after that, they came back with another repair I had to do. I had to put covers over some outlet boxes. The agent told me to take pictures of the repair and send it to him. About 5 days after that, they called me and said they could use my pictures and would have to have the appraiser come out and take pictures, but they finally got around that. Then, the agent called me on XX/XX/XXXX and asked if I could find the phone number for the notary service we had used before. He said that we could close on either the XX/XX/XXXX or the XX/XX/XXXX if I could find the contact info for the notary. I found it and gave it to him. I also gave him a second notary contact information. On XX/XX/XXXX, he told me we would close on XX/XX/XXXX. Well, that did not happen. Now, my present home appraisal expires on XX/XX/XXXX. So, we have to get another appraisal, and who knows how long they will drag this out. XX/XX/XXXX will be 6 months of trying to get this reverse mortgage. I feel I have been lied to and led on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Home equity loan or line of credit) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Application, originator, mortgage broker

Complaint: I took out a Homeowners line of credit from BBVA Compass XX/XX/2016. The bank consistently marketd this product to me for over a year by saying the product was a " no brainer '' and had no closing costs. They required I immediately draw XXXX on the line which i did. In XX/XX/XXXX I paid XXXX instead of the min payment of {$75.00}. They then charged me XXXX in closing costs. 
When i called the bank, I was only given the options vis the automated dialer to buy new products, When i ACTUALLY reached a person, she just refered to me another department and the exact same auto dialier came up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2016 about Mortgage (FHA mortgage) with MIDFIRST BANK (LA).
Issue: Settlement process and costs

Complaint: I recently was a victim of severe flooding in Louisiana. My home was damaged, and I was fortunate enough to have flood insurance. I received my insurance check made out to me and my mortgage company, Midland Mortgage. I sent the check to Midland on XX/XX/XXXX. I have began repairs to my home with my savings. On XX/XX/XXXX, Midland sent an inspector to check the status of my repairs. Their inspector said my home is XXXX % repaired. I have yet to receive a penny of my insurance money from Midland. All they say is that it is being processed. I am currently at XXXX % complete with the repairs, but have ran out of money to finish the last 3 %. I have made it clear to them that this is my money, I have paid the premiums, I have done the repairs and it is illegal for them to earn interest on Federal flood insurance money.

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 05-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Other

Complaint: This credit card company is reporting me as a charge-off account on my credit. This is not my account.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A XXXX CREDIT ( ACCT XXXX ) ACCOUNT THAT BELONGED TO MY FORMER XXXX WHICH I WAS A AUTHORIZED USER IS LISTED ON MY CREDIT FILE.I DISPUTED WITH ALL THREE CREDIT BUREAUS.XXXX AND XXXX  DELETED THE ABOVE MENTIONED ACCOUNT, EQUIFAX REFUSED STATING THE ACCOUNT BELONGED TO ME.THIS CLEARLY IS NOT THE CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (Medical debt) with Overton, Russell, Doerr and Donovan, LLP (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX BALANCE {$4900.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX BALANCE {$730.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX  BALANCE {$750.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX BALANCE {$810.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX BALANCE {$200.00} DATE OPENED XX/XX/XXXX Reached out to company several times about charges which are not mine, advised  never lived in New York and unaware of charges needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Account balance of {$490.00} was due on XX/XX/XXXX.

I paid {$500.00} on XX/XX/XXXX On XX/XX/XXXX a {$5.00} interest charge was applied to my account.

I spoke with with someone in Capital one regarding this situation. I was told that this charge was from the previous months billing cycle. The previous Statement balance of {$420.00} was due on XX/XX/XXXX. To my mistake, I made a late payment of {$600.00} on XX/XX/XXXX. On XX/XX/XXXX a {$27.00} late fee was charged to my account ( which I am not disputing ) and on XX/XX/XXXX an interest charge of {$9.00} was charged to my account ( I am not disputing this as well. ) They are telling me that they are charging me interest 2 months in a row on an account that had a negative balance because I had the late payment in XX/XX/XXXX. Can they do this? After being on the phone and telling them I was filing a complaint with the CFPB they agreed to remove the charge. I was told in the future if this happens again they won't remove the charge and that yes they can charge interest on accounts that have a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed the information on my report on several occasions. In XXXX, I filed a Chapter XXXX bankruptcy that was dismissed in XXXX. Some of my old student loans were included in that Chapter XXXX bankruptcy petition that was dismissed by the courts. Currently these loans are still listed on my credit file as adverse information that is still in bankruptcy and that is incorrect. As of XXXX, all of my student loans were consolidated with FED LOANS. I 've disputed this information several times with Experian as well as the other XXXX credit bureaus. Experian refuses to change the status of these student loans and continue to let these loans reflect as negative information when in fact they are not negative. These loans have always been deferred and have never received a late payment or been in default. Experian claims they are investigating these items, but it 's not possible for these items to be investigating these items and they continually are reporting these items inaccurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NJ).
Issue: Other transaction issues

Complaint: Paypal refuses to refund a purchase that I have proved was a fraudulent transaction of a product I could not use. 

I used my Paypal account to purchase a ticket to an event in the XXXX, from a website called XXXX believing it was an authorized ticket seller. When the ticket arrived it was in someone else 's name and I had paid 3 X the face value. It was a scalped ticket. I filed a dispute BEFORE the day of the event to attempt to get a partial refund and because the ticket was not in my name. The vendor did not respond in time, and eventually paypal closed the dispute without even advising me via email. 

Online the dispute explanation cited : " The item violates the PayPal Acceptable Use Policy. It 's ineligible for PayPal Buyer Protection ''. When I called to have this reasoning explained the representative said " oh you can ignore that, its just a standard response that does not relate to your claim. Your claim was denied based on the fact that the vendor says the ticket was still usable ''. Strange to publish a reason it was denied, but then explain that was not the reason. On the day of the event, I was unable to use the ticket as the vendor checked my ID and the name did not match my ticket. They denied me entry to the event, confiscated the ticket and told me to check their ticket terms and conditions. When I did I saw that they do not permit 3rd party ticket sales or their tickets to be resold on the internet. Paypal does not offer the capacity to submit a NEW dispute on a charge, so I was forced to APPEAL the original dispute/claim, even though it is actually a new dispute. I advised them of the following : 1. I went to attend the event and was not admitted as they checked my ID. 
2. The basis of Paypal 's last determination was that the ticket was still valid, regardless of the name on it. 
3. This has been found to be untrue and incorrect. 
4. When I questioned the event organizers who were not admitting me, they advised me to consult their website for the ticket purchase terms and conditions. 
5. I did so, and found that the vendor XXXX with whom I engaged in this transaction was violating the terms and conditions of the ticket sales from the issuer, and therefore sold me an unusable product, in a fraudulent transaction. 
6. I uploaded a PDF with a highlighted paragraph from the ticket issuer website pertaining to resales. 
This is the link XXXX 7. I use Paypal for such transactions as I believe it provides me protection from fraud 8. I expect this amount to be refunded, and retrieved from the vendor in a timely manner. 

The claim was denied by Paypal with only this explanation : " After careful consideration, we 're unable to decide this claim in your favor at this time. '' This process and outcome is not acceptable to me. Paypal has engaged in a fraudulent, cross-border transaction, and refuses to refund my money.

Company response to consumer: Closed with monetary relief