milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: 1. My complaint is about Discover Bank and its affiliates deducting funds from my personal checking account without permission InXX/XX/XXXX. They were never held accountable for this unlawful act. Discover lied and stated that I gave them permission via phone to withdraw {$140.00} from my checking account. Also, fines for Robo calling me from XX/XX/XXXX to XX/XX/XXXX.
2. Discover Bank sued me in the 29th District Court for outstanding debt and the 29th District Court awarded them a judgment in the amount of {$3900.00} on XX/XX/XXXX. Case No. XXXX.
3. I am attempting to be monetary be awarded fines that stem for their unlawful actions in trying to acquire payment. Discover broke federal laws which the 29th District Court does not have jurisdiction over and in addition to the proceedings, Discover cost me to lose money from work in their failure to appear at Court on XX/XX/XXXX. These costs should be used to offset the indebtedness Discover is seeking through their attorneys at XXXX XXXX XXXX XXXX.
4. This complaint is about Discover Bank.
5. The people involved are XXXX XXXX ( Defendant/Counter-Plaintiff ) and Discover Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Settlement process and costs

Complaint: I was contacted by my current Mortgage lender Freedom Mortgage Lender NMLS ID : XXXX to do a refiance to lower my rate. I proceeded with the transaction and closed on XXXX/XXXX/2015. After the XXXX day right to recind period on XXXX XXXX 2015 the new loan was signed and funded. As of today XXXX XXXX 2015 Freedom Mortgage has not paid off my old loan with them and have now requested I pay them money to do so!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Closing on a mortgage

Complaint: We are co-owners who refinanced the mortgage on our  XXXX  home in  XXXX  with Nationstar Mortgage. We were very specific in explaining that we wanted to pay closing costs in cash rather than have it financed. Over the course of discussions only the first draft of the closing documents indicated we would use cash to close. Despite our insistence, in the end we went to closing without being given the opportunity to pay cash for closing. Also, we paid our property taxes for the first quarter and the next installment was not due until  XXXX   XXXX  but it too was added to closing costs ( {$1100.00}  ).      Since closin g, Nationstar has sent us a check in the amount of {$110.00} ( payoff overages ) and more recently a letter stating that we were overcharged for certain closing costs in  connection with the closing of your loan and we are refunding this amount to you through a principal reduction. The amount is {$610.00}. The difference as per the letter is reflected in  C   ash to Close and Lender Credit via the new Disclosure.
We are concerned about how our refinance was handled, the process by which the differences occurred and whether our property tax had to be made part of this closing.
We request a full review of the closing documents/disclosure and would like to know if Nationstar was within their rights to refuse to allow us to pay closing costs up front. These charges were rolled into the loan creating the need for a gap note and mortage. We only had a certain period until the closing and if we didnt close by that date then a higher interest rate would be applied.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (FHA mortgage) with CITYWORTH MORTGAGE LLC (PA).
Issue: Closing on a mortgage

Complaint: I contacted City Worth Mortgage Company for pre- Approval for an F.H.A. Loan. On XXXX XXXX,2017, after consulting and applying with XXXX XXXX, I received my pre approval letter. I then proceeded to make an offer on a house that was accepted. I made a formal mortgage application and the appraisal was ordered. I was in constant contact with XXXX XXXX, and provided him in a timely manner all of the documentation that he requested. This included 4 current pay stubs, transaction records from the bank, showing the current balance and activity. I also provided 3 current bills that were paid within 12 months. He was provided with information on my current employer and information about my employment for the last few years. The appraisal was completed, the work that needed to be done to satisfy the requirements was done and the appraiser returned and signed off that everything was complete. My loan application was in underwriting and I complied with all that was requested from me. We proceeded toward closing and my buyers CD was sent out on Tuesday XX/XX/XXXX. It was signed by me and returned for an XX/XX/XXXX closing date. I was told that my loan paperwork was stuck in processing, and then later was denied my loan on Monday XX/XX/XXXX because they said they were unable to verify income, even though I had provided income statements during the entire process. My realtor and I were made to believe that the closing was still on schedule and everything that was requested was fulfilled. We did not receive any notifications that there was any issues with my job or income until the denial. As of Wednesday XXXX XXXX 2017,  my realtor has made many attempts to contact this company but there has been no response to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have placed this under " Making Payments '' as that seems to be the best option, but really does not apply to my situation. Bank Of America held the mortgage for my property that was sold through the HAFA program back in XX/XX/XXXX. The short sale process was completed and transferred out of my name XX/XX/XXXX. BOA issued the XXXX to me for the cancellation of the remaining debt. XX/XX/XXXX I received notification that this mortgage has been sold to XXXX XXXX XXXX. Called XXXX and was informed the documentation they received from BOA reflected I was XXXX months delinquent and the property was in process of foreclosing. I now owed an unpaid principal balance of {$61000.00}, interest {$15000.00}, corporate advances {$790.00} and escrow advance of {$380.00}. I informed them of the short sale that was completed on the property back in XX/XX/XXXX and I would fax a copy of my XXXX and contact BOA. Placed a call to BOA XXXX short sale dept ) and the information was reflected in my records that the sale was completed, with no balance due, XX/XX/XXXX and they would forward it on to XXXX. Since the information that was transferred from their foreclosure department, I asked to be transferred to that department. They informed me since my " loan '' had been sold, they could not give me any information as all documents had been forwarded to XXXX. I explained the situation again ( the short sale completion ) and basically the information they had sent to XXXX was erroneous information and I needed for them to correct this ASAP. I needed some sort of documentation from the foreclosure department XXXX information they could access through THEIR short sale dept ) stating there was NOT any foreclosure proceedings on that property and no balance was due and it was no longer in my name and there was no mortgage to be sold. The only option they made available to me, was to file a complaint and wait for one of their agents to contact me. I asked that it be placed into some sort of escalated or urgent status and the response I received was, " I will try but I ca n't guarantee anything ''. I waited XXXX hours for a call and when one was n't received, I called them back. Today I was informed it could take up to XXXX hours for this return call. Which means they have another XXXX hours to respond. In the short sale process with them back in XX/XX/XXXX, I am not holding my breath, as I seemed to get the same run around then as I am now. That is why I am not waiting another XXXX hours and filing this complaint. Not only is my credit at stake, which has been rebuilt and I have recently purchased another property, but my sanity is also at stake. I can not understand how a banking institution can sell a non-existent mortgage and then how, it has become MY problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CT).
Issue: Making/receiving payments, sending money

Complaint: This is my second complaint about PayPal. They originally set a reserve on my account that was for about {$8300.00}. I was notified and found it unfair. However, they refused to make any adjustments. 

Now, without any warning, they 've kept much more than that. Every time I get a new payment through PayPal they increase the reserve. As of now they have nearly {$10000.00} in the account. They say this is decided based on your risk factor, including - credit score, payment amounts, disputes against you. Since the first reserve was set, my credit score has increased, I 've taken a smaller amount in through PayPal to avoid being high risk and I 've had ZERO disputes against me. This is bizarre. 
Not to mention the last number they gave me is {$9.00}, XXXX for my reserve and they currently are holding MORE than that. The same day customer service gives me that number. Really? I highly advice against using PayPal for business - I 'm using multiple other merchants right now and they treat me amazing. PayPal is basically stealing from me every time I take a payment ( Considering they give no warning and change the number as soon as a small payment goes through ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Medical) with Receivables Outsourcing, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a collections notice from Receivables Outsourcing, LLC for a bill that to my knowledge was paid by my insurance company. It threatens legal action ( a judgment ). I had tried to contact the company via phone, but no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a medical debt in the amount of {$240.00} that I recently paid. I received a notice form Transworld Systems Inc. I called to try to tell them I paid the debt, however the number goes right to a voicemail and I can not leave a message. There is a website, so I logged on but I continuously get an error, and the screen will not provide me a number to call. I have no way of communicating with them that this debt has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This is n't a personal issue. It 's more of a public sustainability issue because Navient acts irresponsibly towards prospective, current, and XXXX students who have student loans with them. I 've been repaying their loans since I 've graduated and I 'm currently on a five-tiered repayment schedule. My family and I 's financial situation is much different than it was when I initially went to school, so I 've been periodically trying to find out how to change my payment plan to a fixed rate. It bears the least interest payments ( which is revenue for Navient ) and would absolve the issue of higher payments down the road. I 've scoped both of their websites ( one is called " Previous website '', also misleading ), to find out a ) what payment options there are, because nothing about their websites tell me they even offer fixed plans, and b ) how do they calculate the monthly payments for plans in the first place? Their official website, www.navient.com, has no information other than interest rate and principle amount. I have to go to " XXXX '' which is Navient 's " previous website '' to find out what I will be paying in the future. My other payment options are also estimated and there is nothing about fixed payment plans. 

I actually had to contact them via chat ( I can provide transcripts ), to find out if I could have a fixed payment plan. According to the rep, the option would be available if I looked for eligible options. My eligible options were only given to me when I filled out a form which was basically a financial background check. It was discouraging, but I did it while I was chatting. 

After I applied on the previous website, I told the rep that the option still was not available. The rep then said something along the lines of " a fixed rate would change your payment to $ XXXX per month '', which to me has no bearing. I asked how they even came up with that number. All I was asking was where on your website can I even find this number and the details. That 's it. 

This is where you want to listen. The rep told me that the fixed rate monthly payment was calculated by using the calculator located on the Navient home page, BEFORE YOU LOG IN. After I asked, the rep also told me the way to get into a fixed payment plan is by contacting Navient. I literally had to pry this information out of them. Again, I have the full transcript if you want it. 

This is ridiculous. I 'm over 60-70 % of my monthly payment is spent on interest and I want to reduce that for myself. You and I both know Navient benefits more from my current, 5-tiered graduated payment plan, than I do. The fixed repayment option benefits me in paying less over time, but that does n't benefit Navient. I had to jump through hoops to find out any information that benefits me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I really need help because I have been disputing a few accounts on my file for a few months and I am getting no where with the bureaus. I asked for their assistance and I did not receive it. I asked for them to put a temporary fraud alert on my file and they did n't. I asked for the documents that were used to " verify '' these accounts and they did not provide them. this is my last resort and I have already consulted an attorney in regards to bringing a lawsuit against them. why are they making this so difficult to remove these inaccuracies when that is their job to make sure this stuff is actually accurate? They did not investigate these accounts and if they did, they would have the documentation to validate these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Payoff process

Complaint: Went to XXXX and purchased a bedroom set with their 12 mo same as cash deal though Synchrony Bank. I made equal payments on time each month and payed off the original amount of {$2300.00}. The following month they send a bill for {$800.00} plus and for the 33 % interest plus Card Security charges and late fees. I never authorized any card security protection. I feel this is a scam against consumers and want this account cleared of all interest, card protection and late charges. 
Thank you

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 01/19/2016 about Mortgage (Conventional fixed mortgage) with NVR INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: NVR mortgage gives free kitchen upgrades to all purchasers of XXXX or XXXX homes that agree to use NVR mortgage and the NVR closing company. the rates and costs are not as good as a mortgage lender but the free stuff is clearly steering under your codes. 

they should be stopped from doing this NVR XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My sister 's name is on my credit report on XXXX, Equifax. Her name is completely different than mines and our social number differs by XXXX digit. I 've contacted Equifax and they told me that I need to call them every time to straighten out any loans that does not belong to me, i.e. for the rest of my life. It should be their job to report correct information and not mines to correct them. I would like to file a complaint against all XXXX credit bureaus for false, inaccurate reporting of my credit and failing to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My private loans through AES are outrageous. I have tried to work with them. They give you no options to repay the loans. They keep tacking on fees and other charges. Each time I call I get a different story from XXXX of the customer service people. It is never the same. I am drowning in debt because of them. I have been unemployed numerous times over the last couple years. I call and they tell me i have to pay anyways. There is no income repayment plans. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Federal student loan) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They cal upwards of 15 times a 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 09/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: I applied for American Express Platinum credit card on XXXX XXXX, 2016 with an offer to get XXXX Membership reward points after spending {$3000.00} in first 3 months. As of XXXX XXXX, 2016 ( when 3 month period ended ) i spent {$4300.00} on the card. Subtracting credits of {$450.00} my effective spend comes to {$3900.00}. All of my spending are legitimate every day spending. My XXXX points was awarded on XXXX/XXXX/2016 and they were taken back on XXXX/XXXX/2016. I still use the card for everyday spending as of today. i request to issue my points back. Its very very disappointing that they did this being an customer for more than 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax hack has led me to believe all of my information has been hacked. I have proceeded to check a free credit report to find any unusual activity. There was none at the moment. In fear of future fraud, I have placed a credit alert for 90 days. I am deeply frustrated with the mishandling of the personal information of millions of Americans. It is incredibly irresponsible for a company whose business is dealing with credit reports has such lacking security. The way the company has handled the fallout is also irritating.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Credit card) with Enerson Law, LLC. (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Enerson Law firm sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt Enerson Law Firm is attempting to collect is over XXXX 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with Enerson Law Firm after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - US XXXX XXXX. If Enerson Law Firm does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inaccurate information must be removed id theft victim account not mine due to id theft of various names

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, XXXX, Experian, and XXXX are claiming to investigate it but my contact to the court denies this. XXXX claims to get this info from XXXX who I did contact by certified mail with no response ...

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 09/23/2016 about Debt collection (I do not know) with CL HOLDINGS LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: These people keep calling me, even though they have the wrong number.

Company response to consumer: Closed with explanation