milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Credit card () with DISCOVER BANK (IN).
Issue: Closing/Cancelling account

Complaint: Yesterday, XXXX/XXXX/2015, after placing an order at XXXX, I received a security alert from discover card saying that there was a hold on the order. I called discover card and the call was passed on to the security customer service. When I asked why they placed the hold on the order the agent said 'walmart red flagged the order '. I could not understand why this was done. I called XXXX and they said that they did not put a hold or an alert on the card but that Discover card did. 
I then called back Discover card to find out what the problem was XXXX I have {$3700.00} credit line with only XXXX outstanding charge of about {$51.00}. ) I went around in circles trying to find out why this order was red flagged each customer service rep. including their so called 'executive office of customer advocacy ' gave me the same story, 'we do n't know. 
They also had the online order of {$51.00} in pending status but they took that down yesterday. I called the online store where the purchase made today and they told me that they had been paid for the order by discover card, but as of this morning there was no charge on my account. 
I informed discover card that after this order was complete that I would pay it and close down my card because I do need this kind of stress. My credit rating is very good with 100 % ontimepayments and I could get a better card anywhere. 
Today XXXX/XXXX/2015, I checked my online account and it was closed. Now I have no way of paying this. I usually pay online thru my bank account. I am a XXXX individual and this episode had been extremely stress full for me. HOw do I pay this bill and how do I know when it will be available if I do not have access to my account? I think that the customer service repsmay be trying to get even with me because I told them I was going to file this complaint. 
Please help me to figure out how to pay this bill and protect my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Mortgage is reporting negative information on a discharged account. They removed all information on account XXXX for me and my wife ( XXXX XXXX XXXX ). However, they did not remove information regarding account number XXXX. They admit that they do n't have records for the accounts in a previous dipute. 

Ocwen was not then lender at any point in time. They were the loan servicer after GMAC Mortgage. Ocwen serviced the loan from XXXX XXXX, 2013 to XXXX 2013 when servicing was transferred to XXXX XXXX XXXX. 
Ocwen should remove any and all references this account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I need to file a complaint against Discover for falsely advertising a credit card offer promotion for using   XXXX   XXXX  . The first  XXXX    XXXX   XXXX   came with a {$5.00} promotion. Discover told me on several occasions that I would received it this  XXXX , but I did not. They admitted to their error, but are still trying to make me wait for 1-2 more billing cycles.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Credit line increase/decrease

Complaint: my credit at Chase, XXXX, and XXXX XXXX all had decreases in credit limit for what they say was for a change in credit score, I bought a house and I have a long history with Chase and have always paid my balance, and I have n't even been late on any payments for the last XXXX months, never late with a payment on either of the cards. Im a new customer at XXXX and XXXX but I have never been late and paid the balance at the time of he decrease. I had not even used my XXXX card for months, then about XXXX weeks ago I go shopping and spend about half the balance, still not missing any payments, and paying a XXXX payment at the same time, but today I get a letter saying they have reduced my credit for XXXX reasons listed on letter and no specific reason was given, stop the credit card companies from reducing our credit for what they feel is a change in your credit picture although you pay on time

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This account under the name Hunter Warfield keeps showing up and the amount owed each month goes up and down {$1.00} at a time. I have never had a contract or done business with this company. Also, it shows the account was removed from my credit report and now it appeared again a day later and I was not notified. I have submitted several disputes to have this removed and it is still showing and negatively affecting my credit and reputation with other open accounts I actually have relationships with.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had received XXXX credit inquiries from a company called XXXX XXXX on XXXX XXXX and XXXX XXXX, both of which I had not authorized. I am signed up for credit report alerts service, which alerted me to these unauthorized inquiries. I got the information and then checked with the above company and they said that the inquiries were made in error, apologized and also sent me a letter stating that the inquiries should be deleted from my record, which I then forwarded to Equifax over a month ago. However, till date, Equifax has n't deleted those inquiries as required by federal FCRA act.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The XXXX XXXX  XXXX applied for several loans on my behalf and simply had me sign my life away. 
I have complained that many of these loans being reported on my credit report are duplicates and need to have this corrected. 
My student loan balance went from $ XXXX to $ XXXX I need assistance in investigating this as I believe that the XXXX  XXXX XXXX fraudulently processed loans on my behalf.

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 02/17/2017 about Credit card () with Alliance Data Card Services (SC).
Issue: Advertising and marketing

Complaint: In XXXX I received a notice included in by bill that any purchase in excess of {$500.00} would be interest free for 6 months. I made a purchase of {$740.00}. The company, Comenity continued to charge me interest at their standard amount over the next 6 months even though I was paying the monthly bill and paid what should have been the outstanding balance at the end of the 6 month term. When I questioned it they told me that : my purchase was not during a promotion my purchase did not meet the minimum purchase amount When I went to my online account to pull the XXXX statement, it was mysteriously missing although all the other monthly statements were there. However the XXXX statement included the same promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (GA).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: I applied for an automobile loan through XXXX. They went to Ally to get the loan. I was turned down for a loan due to a very low score from one of the agencies, XXXX XXXX.  Their score was 100 points lower then each of the other agencies. Trying to get anything from them requires photos and copied forms of ID. Having never heard of these people prior to this, and them not listed on anything else, I have other loans, all which are paid off except my home loan, I am not about to send them anything until I have no real choice.  They can not provide, will not provide, how they determine this score, or any reasons why the score is low.

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 09/14/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This collection company updated an account I do not agree with as Date of last activity XXXX. This is such inaccurate information. I have requested and disputed this several times, what evidence does this company has to verify this belongs to me, my signature allowing such charges and date and what this is even for. Date open states XXXX and XXXX states XXXX. I have not been to the doctors or hospital XX/XX/XXXX so this is inaccurate and I want this removed

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Someone using my account like me. But i was n't me, someone stole my Bank information. and i did let the Bank let know right the way. After i did notice them, The tell me the will pay my money back to my account the tell me they sorry what happen to me i will never happen again. Few days let i did see a balance on my account says i did owe them Money {$470.00} dollars i did called Chase. To ask about it the tell me i did got i double Credit. from the Company who someone Using Card as me. But i have never receiver any double Credit i did ask them why the let those people put the money in my Account they know the pay my money already. I find it not right them to tell me owe them money while they are Bank is n't secure. The keep putting the interest fee on that money like i did something the been accused me about that, Someone who stole my identity using my card while i have never been at the date of the month was  XXXX / XXXX /17   XXXX   XXXX   XXXX    XXXX  NJ card  XXXX  the amount of {$45000.00} thank you so much i hope you to hear from you soon

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (I do not know) with Professional Bureau of Collections of Maryland, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from someone claiming to represent the  Professional Bureau of Collections of Maryland Inc. The y spoofed the number  XXXX  in an attempt to make me believe it 's a local call. They left a message saying they need me to call them back regarding a collection item, but my credit record does n't reflect a collection account. I have family members that may have a collection account and have been contacted before by other collection agencies that want contact information of a family member. Their call back number is  XXXX .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX referred by New York XXXX to file complaint in re arbitrary failure to provide reasonable Chase Mortgage account # XXXX loan modification relief in violation of Settlement agreement, Consumer Protection provisions etc. Please review this matter and advise. My email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Four issues : 1 ). Low scores on XXXX ( " Poor '' ), Experian ( " Fair '' ) and XXXX ( " Fair '' ) made it impossible to be approved for refinancing credit card loans. Low scores caused by using credit cards during a period of high medical bills. It is ABSURD and WRONG to be penalized in your numeric-score for using your credit cards up to your approved credit line! 2 ) Accounts reported as being in collections. Insurance paid a fair amount for ambulance services and reports to all three credit bureaus for excessive fees as being in collections have damaged my scores. 3 ). There is no ready way to include in a credit bureau report items being challenged. 4 ) complete lack of transparency in how scores are calculated or even which numeric score is being reported.

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 10/26/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had gotten XXXX XXXX satellite services on XXXX XXXX, XXXX, after being installed I had lots of problems receiving signal ; I called them to cancel my services on XXXX XXXX, XXXX. I cancelled because within a 3 month time period, I had to call them in reference to lost signal/no service, a total of XXXX or 7 times. Whenever I called a representative would walk me through detailed steps to correct the problem in which this did not work. I would be asked to check the satellite to be sure nothing was blocking it or nothing was on it, which I did go outside and check it out ... ... it was all okay. Around the middle part of XXXX XXXX, a technician came by to fix the problem, it worked only for awhile. The last week of XXXX XXXX, a technician came to the house to fix the problem, which it worked only for a little over a week ; so I called back and was told that a technician would have to come out and fix it, but it would be 3 days before one could get by here. I was tired of calling XXXX XXXX every month about no signal/lost service, so I requested them to cancel out my services and not charge me for services I was unable to use and let me out of the 2 year contract agreement. I was informed that it is required for a technician to come out at least 4 times before letting me out of the agreement. After doing some very serious thinking and talking with neighbors who also had gotten XXXX XXXX and they did not have any problems with their services working correctly ; I called to cancel because this was not right at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (WV).
Issue: Account opening, closing, or management

Complaint: SunTrust after being a customer for 20 years, with sole income for my XXXX direct deposited every month with no problems, suddenly had a fraudulent overdraft fee. I went to the local branch and they agreed to remove the fee, but 6 days later got an extended overdraft fee. Now I have XXXX more overdraft fees which would not have occurred if they followed through on their agreement. I live check to check and have alsways been careful in balancing my ledger and had sufficient funds from the very first overdraft fee. No one will abide by agreement and keep taking my money. I will not be able to pay XX/XX/XXXX bills thanks to them. I have learned that they have a patern targeting low-income individuals, particularly the elderly/disabled reordering and misrepresentation of account balances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-04-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (MA).
Issue: Trouble during payment process

Complaint: The mortgage company keep adding fees and other expenses to my escrow account, I try to figure out the reason of this fees & expenses with many calls with the mortgage company, but no reasonable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit card or prepaid card (General-purpose prepaid card) with Young America Holdings, LLC (IL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: We bought a XXXX dishwasher from XXXX on XXXX XXXX, XXXX. The dishwasher was bought under a special XXXX XXXX promotion from the manufacturer, XXXX, which provided a rebate from the manufacturer for {$150.00}. We submitted the claim for the rebate and were sent a XXXX prepaid card on XXXX XXXX, XXXX. It arrived to us sometime after that. The tracking ID for the XXXX rebate claim was XXXX. When the card arrived, it had an expiration date of XXXX. However, we did not notice this date until I tried to use it earlier this year ( around XXXX or XXXX XXXX ). Since it was expired, it did not work when I tried to use it. 

I decided to follow up and call XXXX today, XXXX XXXX, XXXX, and was told to call a different phone number for prepaid cards. Eventually I spoke with XXXX ( Agent # XXXX ) at a prepaid vendor company called Young America. His number is XXXX, which is also the number that is listed on the back of the card for customer service. He acknowledged that the card had never been used, but said they could not re-issue the card. He said there was nothing they could do about it, the funds were gone. I told him that was not my understanding of the law - that funds do not expire on prepaid gift cards for at least five years. He said there was nothing he could do. 

Here are more details about the card that may be useful. It is a prepaid XXXX  card, issued by XXXX, Member FDIC, pursuant to a license from XXXX XXXX XXXX Their website is XXXX : XXXX. If you click on contact, they ask you to call the number on the back of your card, which is what I did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of fraud. I did the proper paperwork with the police department and Ftc. I submitted a list of accounts, the police report, ID and proof of address. I submitted this information on XX/XX/XXXX. XXXX and XXXX removed the information in less than 5 business days. Equifax has refused to review the police report, supporting documentation etc. They told me that the have to verify it from the creditor and not the police report or affidavits. This is a clear violation. I spoke with a manager on XX/XX/XXXXaround XXXX est and was advised could take another 30 days. In the meantime my ability to pass a background check for employment as well as extensions of credit is greatly impeeded.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 'm using the Annual Credit Report site with no way to contact any of the XXXX credit companies except by mail. NO PHONE NUMBERS OR CHAT OPTIONS!! When I completed my application, I got a msg that I had already received an credit report from XXXX. When I requested a report from Equifax the little 'computer is thinking ' circle went on forever. I tried two different days to no avail. I searched for recent reviews online and saw XXXX other similar complaints within the month of XXXX 2015. This is unacceptable service. Please look into this. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX, I checked my bank account as i normally do every other day, and i noticed that had a a fraudulent transaction. Someone in California hacked my debit card and make 3 purchases of {$3000.00} each. I called immediately to my bank to make a claim and dispute the charges. In the process, one of the customers services representative explained to me, that because it was a big significant amount, 2 of the 3 transaction was not going to go through. And that they were making a claim for only {$3000.00} out of the {$9000.00}. When i made the claim, the bank issued me a new debit card, they gave me a new user name and password for my bank mobile app, and they also ask me for a secret password in case something like this happened again, they could verify my identity. In result of this situation, I also called all the creditors unions, such as XXXX, XXXX, XXXX to request a security alert. Two weeks after the incident, on XX/XX/XXXX, when i checked my bank account once more, I noticed that Bank of America did charge the {$6000.00} that they said were not going through on the weeks prior. I called again to my financial institute to dispute the charges that I originally try to dispute on XX/XX/XXXX. When I reached out to them after waiting their 10 days of verification and processing, another representative told me that the money was going back to my account on XX/XX/XXXX. On XX/XX/XXXX, i called to check the status of the money once again, and this time another associate told me that BANK OF AMERICA has denied my dispute due an insufficient urgency from part. That same day I went to the closest branch around my neighborhood. In person and with a help of the branch manager, I made a written complain, explaining the situation above. This complaint was fax to the Bank of America debit card operation. And even though they promised to expedite my case file, still today they have not giving me a clear respond about my money. Its been over a month and so since this unfortunate event, i have been call bank of america at least 60 time these past weeks, and I have been told from their customers services departments many different outcomes. I do not understand what they meant about me not having an urgency regarding the situation, when i followed all the steps they asked me to. I have evidence of my calls, of the bank sending me plenty of secure codes and emails from their part advising what to do in cases like this. Its evident that I did have an urgency since day one.

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