milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Credit card () with DISCOVER BANK (TN).
Issue: Other

Complaint: I am XXXX, draw Soc. Sec. and live XXXX sometimes. I have a credit card account with Discover ending in XXXX. I was having problems paying the account and I entered into a hardship program with Discover in XX/XX/XXXX. They took my XXXX information and the account number. They read me a statement that I agreed to pay {$150.00} a month from XXXX XXXX XXXX XXXX, account ending in XXXX They have removed payments of {$150.00} a month from that account from XX/XX/XXXX until XX/XX/XXXX. I pick up my mail from my daughter 's. I picked up my mail on XX/XX/XXXX. There was a XXXX and XXXX Discover statement listing nonpayment, late fees, etc. I called Discover and the lady explained that they sent in request for payment in XXXX to my XXXX XXXX XXXX XXXX, account ending in XXXX. I explained that the account number is XXXX. Where did they get this XXXX number? I had an old XXXX account ending in XXXX but it has been closed for over a year. The woman could not explain where the XXXX number came from ; she could not check to see who had been in my account and made changes ; she could not reinstate my old payment plan I agreed to in XX/XX/XXXX. Discover made unauthorized changes to my account and they are telling me it is my fault. I had to pay all late fees, over the limit fees, etc. plus an increased monthly payment. I did not contact Discover and change the agreement I agreed to in XX/XX/XXXX. I did not authorize a change in account or account numbers from the ones I agreed to in XX/XX/XXXX. Discover supervisor XXXX XXXX said she would look into it and I should call back in two days. Somewhere, Discover went in and made unauthorized changes. What can be done to correct this and ensure it does not happen to someone else? I did n't think Discover could make changes to your account without your approval/agreement? Please help. I feel like this is unethical business practice from Discover Credit Card to defraud a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Debt collection (Medical debt) with Works & Lentz, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX, 2017 2 accounts were removed from my credit report. On XXXX XXXX 2017 they were added back without any notice. This is illegal. XXXX XXXX XXXX XXXX Added back on XXXX/XXXX/2017 without notice.
WORKS & LENTZ INC-OKC Added back on XXXX/XXXX/2017 without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I re-applied for my IBR plan on with Nelnet on XX/XX/XXXX. I contacted their customer support team on XX/XX/XXXX and spoke with XXXX. She confirmed that my application had been received but the processing was pending on it. She advised me that no further action was required, especially since my due date was not until XX/XX/XXXX. Now that it is XX/XX/XXXX, Nelnet confirms that the application was received, but they did not process it. As a result, they capitalized my accrued interest and told me to start a new IBR application. I believe they are at fault for not processing my application and that the interest should not have been capitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Medical) with Tulsa Adjustment Bureau (KS).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I do not owe this debt because i has a medicaid card that would have taken care of it and now it is making my credit look bad i have had a medicaid card since 2008, and nobody at the hospital said anything about not accepting it and i did not receive any bills for the XXXX visit so i dont feel like it owe 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 10/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Problems caused by my funds being low

Complaint: I was a previous customer of Wachovia Bank ( now Wells Fargo ), XXXX, SC in XXXX. During this time frame I had a checking account with debit card associated with my account. My account was forcefully closed due to unauthorized debit purchases that result in an - {$750.00} in my account. I went to my local Branch during this time frame ( off of XXXX XXXX XXXX ) and spoke to the branch manager ( XXXX ) about my account. During this conversation, I was never given an option to file a claim, I was not show the transactions that were posted to my account that resulted in the overdraft, and the branch manager ( XXXX ) stated that there was no remedies for stolen card. 

I have been denied a new checking account since this incident since it was posted on my credit. I have now recently opened a new account and have been educated on the neglect that Wells Fargo did with my account, their neglect to inform me about my options, and their neglect to allow fraud transactions build on my account AND charge me overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I requested an appraisal from Flagstar Bank, my mortgage company on my primary residence, in order to ( almost certainly ) eliminate the Private Mortgage Insurance of nearly {$200.00} per month from our mortgage. They indicated in a letter dated XXXX XXXX, 2015 that this would cost {$420.00} through their appraisal serviceXXXX. I sent the request and a check for {$420.00} back to Flagstar, which Flagstar cashed on XXXX XXXX, 2015. After no contact from them, or the appraiser for nearly 2 weeks, I called Flagstar only to be told that cost was now {$670.00} They tried to say that perhaps I had a rural property ( I do not XXXX Colorado ) and thus the reason for the inrease. They then tried to say that when I called XXXX PRIOR to their sending a letter saying it would cost {$420.00} ), that I should have been told it could be more. I told them it did n't matter ; they sent a letter with the price, I sent a check that they cashed, all within less than 3 weeks time of the letter 's date. This constitutes a contract in the state of Colorado. They have refused to do the appraisal at the {$420.00} price and said they would refund my check. I told them I do n't want the check ; since I HAVE to use their appraiser, they have me cornered. They have since refused to do the appraisal. Even if I agree to pay the extra amount ( which I will NOT ), they are only delaying the inevitable and I am out {$200.00} every month they delay as I continue to pay PMI in one of the HOTTEST housing markets in the country, XXXX, Colorado. I am 100 % certain that an appraisal at the time I sent the check would have resulted in a PMI reduction starting with our XXXX XXXX, 2015 mortgage payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2015 about Debt collection (Payday loan) with Delbert Services (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: westersky gave the loan to cashcall with gave the loan to delbert servicei have been get threateding phone call XXXX that is calling from XXXX group ( XXXX ) XXXX say that i need to contact or my lawery because some serious allegations was filed. she has been call me employment and cell phone and know they started to call me husband. they told me husband that this call on the behalf of delbert service. and left him the same message. this lady has called for XXXX weeks straight. know i am getting threating calls for a XXXX states a file was giving to her and that i need to contact there office and that is is only notify me and that i have till XXXX XXXX and that XXXX XXXX XXXX bewteen XXXX and XXXX they are going to me place of employement or home. and top take that i been served

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: On XX/XX/2017 I sent a wire transfer of {$3000.00} to Coinbase using the information that they gave me from their website. The next day I received an email stating that they would have to return the funds because the names on my bank account and coinbase account didn't match. I figured out why they didn't match and i was fine with that. In the email that they sent they stated that it could take 7 days for a reversal to take place. On the website it stated that It could take 7-10 buisness days for the reversal to take place. It has been 60 days and I haven't received my funds as of yet. I've talked to different representatives at Coinbase and I always get the same response, we've escalated your claim to a higher tier.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have XXXX loans through Navient as my private loan provider.. I have paid all of my bills on time. XX/XX/2016 my interest rate was 7.37 and 8.62. Now my interest rate is 8.875 and 7.625. They are variable interest rates. I do n't think it 's right for them to charge me more interest for paying my bills on time. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is ignoring my numerous requests to investigate and remove accounts from my credit file that were opened fraudulently opened.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have XXXX hard inquires on my report that I did not request or give permission. 
XXXX and XXXX XXXX. I did not provide permission to these companies to request my credit information.

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 10/22/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My mother in law received a phone call on Tuesday XXXX XXXX, 2015 at XXXX XXXX EST from phone # XXXX. A voice mail was left with the following message : " This important call is intended for [ My name here ] Social Security # ending in [ last XXXX digits of my Social Security # here ]. Uh, this is XXXX XXXX [ break in voice and partially unintelligible ] on behalf of XXXX XXXX regarding a file that was placed here in my office by my client [ break in voice and unintelligible ] productions to expedite paperwork to our necessary parties. If you can, uh, correspond as the subject relates to this matter. Now I do want you to know that I have placed a XXXX hour legal hold on the file to allow you enough time to return my call. Now, if I do n't hear from you within that XXXX hours, unfortunately you will be looking at the worst possible scenario as to relates to the closure of this matter and the final recommendation will have to be made without [ break in voice and partially unintelligible ] input. Uh, and in most cases, without your input, those decisions do not weigh in your favor. So, it would be in your best interest, uh, to return my call to XXXX. Once again, I can be reached at XXXX. Thank you. '' Their company website is found at XXXX Their contact information is given as follows : XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX XXXX Telephone : XXXX Facsimile : XXXX Other addresses for XXXX XXXX XXXX include : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, California XXXX Firstly, I have never given this company or this person prior express consent. 

Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law. 

Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (ID).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have had the US Bank Cash + credit card for many years. Under the program terms, consumer must select categories for 5 % and 2 % rewards. Under their disclosure, Fast Food is a 5 % category. XXXX 's appears under the list of " merchants in this category ''. See attached document. For several years, I kept wondering why I was only getting 1 % for my purchases at XXXX 's. I conducted a test during the month of XXXX, 2017. I had two charges at XXXX 's ( {$12.00} and {$17.00} ) for a total of {$29.00}. When I reviewed my statement, I noticed that I received XXXX ( 1 % ) instead of {$1.00} ( 5 % ). This has been going for years. I have brought this to the attention of US Bank several times. I believe that they should either change their advertisement to reflect that XXXX 's is not a 5 % merchant or credit my account with the additional reward amounts. Several times the Bank has promised to research and resolve this with either option outlined above ( change advertisement or credit additional rewards ). The money involved is not large, but my guess is that there are a significant number of people affected by this. The print key submitted is from today ( XXXX XXXX, 2017 ) so US clearly is continuing this deceptive practice.

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 12/22/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (RI).
Issue: Trouble during payment process

Complaint: I refinanced with Ditech to make my mortgage affordable. My payment was reduced to about {$1100.00} a month on or about XX/XX/XXXX. Shortly after I was notified that I had an Escrow surplus due to insurance or taxes in the amount of {$1200.00} or so and subsequently a check was mailed to me. To be sure I would not have to repay at a later date due to a mistake on the part of Ditech, I called and was 100 % assured that there was no mistake and that I would not have to be concerned with repayment at a later date due to any mistakes, etc.

In XX/XX/XXXX, without a notice, my escrow and subsequently my mortgage payment increased to {$1200.00}, about {$120.00} a month increase. I tried to rectify this with Ditech, citing it as a bank error. Ditech 's reply was that they are bound by law to send an escrow surplus to the borrower and that I just have to pay it back over a 12 month period.

1. I was not notified of the increase. Auto draft just appeared in my bank account.

2. I have paid the amount of {$1200.00} in protest and have discussed it with Ditech.

3. Ditech will not absorb the amount in light of this situation My question is can a mortgage company do this? Because it is a hardship to pay {$120.00} additional/month I have requested that the amount, after paying 2 months thus far in the amount of {$1200.00}, that the remaining amount be stretched out into 36 payments to make it affordable. That has not been decided yet, but will be in 3 to 5 business days from now, XX/XX/XXXX. I am asking for this payment arrangement, but I still want to know if I have a legal leg to stand on. At the very least Ditech should be bound to explaining this when handing out a surplus check so that the borrower has the option to put the check aside while waiting to see if it actually a surplus. And second, at the very least Ditech should have the common decentcy to notify a borrower when they are increasing a mortgage payment {$120.00} a month. They did not. If the lending laws are on the side of Ditech, it is a shame. I did everything in good faith, including calling them to make sure the escrow surplus check was mine to keep, and was assured it was. I consider this a bank error. But I am not familiar with such laws governing this situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IN).
Issue: Other

Complaint: I received a letter from the American Express that one of my card is being converted to dissimilar card forcefully. I contacted regular customer service, but they were no help. I contacted American Express Executive Office by phone at XXXX. I was told to submit my concern either by Fax or e-mail at XXXX, which I did by e-mail on XX/XX/2016. Since I have not received any acknowledgement from the American Express, so I called the XXXX again. The lady told me that she could n't help because she did not have any information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: My original loan on my property was with XXXX XXXX XXXX ( account number XXXX XXXX, they sold my loan to Ditech Financial. On XXXX XXXX I made my payment to XXXX with the understanding that all payments would be forwarded to Ditech until XXXX XXXX, 2016. Since XX/XX/XXXX, Ditech has repeatedly told me that the payment has been found but it was never processed. I have called them 9 times to rectify the problem. I have mailed, faxed and emailed them proof of the received checks and documentation necessary to prove my claims. They will not process my payment and claim I am delinquent which I am not! They have filed a 30 day late on my credit. When I contact them, I am repeatedly sent to an account representative by the name of XXXX XXXX at extension XXXX who never responds to my messages and then I get a prompt that literally tells me that no one is available to help me now. I have sent the same documentation to XXXX XXXX XXXX but they tell me the problem is on Ditechs end. I am at a total loss and am trying to fix this problem. Please help!!! Ditech is the worst Mortgage company EVER on this planet!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX reported me as having late payments. I disputed the info but XXXX XXXX was being bought out by XXXX, so nobody verified it correctly. I now have a letter stating the info is incorrect and the Transunion site is stuck on the submission page. I can not submit my dispute again to them. Furthermore, they 've repeatedly come back saying the info is accurate which is impossible. They have a history of doing this. I 've proved them wrong several times.

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 07/25/2017 about Debt collection (Other debt) with Rent Recovery Solutions (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On or around XX/XX/XXXX I received a letter dated XX/XX/XXXX from Rent Recovery Solutions, LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX ph XXXX from XXXX XXXX. The letter stated they represent a company in which I used to rent from and that I had a debt of {$3000.00} Of course I immediately called and questioned the debt. I was given the I had a right to dispute but the dispute could take some time and the only way to avoid the negative hit to your credit would be to set up a payment arrangement. I was not buying it and said when must I do this by. I was given to the end of XXXX. I called back XX/XX/XXXX spoke to the same lady. I was actually going to make payments to avid my credit being hit while I disputed the claim. Well at that call I was told oops it looks like when you said you wanted to dispute it back on the inital call it sent you to the credit bureau. I was like what? how? you said I had options but now I have none. Well you can pay the debt and that will at least show a XXXX balance. I was like Im not paying for anything until I know what for and if its even mine. I pretty much hit a brick wall. I contacted several attorneys who advised me I had rights. I contacted credit experts who said for me to send a formal request for validation. I sent it certified along with a letter explaining why and what I was disputing along with a time line and the ladys name. They received it on XX/XX/XXXX and I still have not received a reply or and correspondence as of today XX/XX/XXXX. I dont know what to do. I have pictures and emails to prove that I owe nothing. However the collections says they do not accept pictures or anything only payments. I call invitations homes the original party and they wont let me dispute anything or even talk to anyone. Its like I am trapped and they are trying to force me to pay something I am not liable for without even providing me the necessary info to make a sound judgement call. NOW MY CREDIT IS HIT with a XXXX $ bad collection. Please Help! XXXX XXXX File # XXXX creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Advertising and marketing

Complaint: XXXX # XXXX : Amazon is intentionally & knowingly holding orders over a week after charging customer credit cards before presenting items to shippers, to force customers to purchase their PRIME service for {$99.00} per year. According to XXXX regulations charging of credit cards prior to shipment is a violation of all merchant account contracts. 

Amazon states that the 7+ day holding time is for processing after they have charged credit cards, YET they are intentionally misrepresenting 7 day shipping times and using the said shipping times to hold orders XXXX so people spend the {$99.00} fee for faster shipping. Shippers like XXXX XXXX AND USPS take an additional 7 days to ship said products making total time since order origination over 14 days, THIS is false, misleading and fraudulent for Amazon to try to force customers into a contract for their PRIME service by holding orders & delaying service.

Company response to consumer: Closed with explanation