milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Debt collection (Medical debt) with PlusFour, Inc (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had been making payments to XXXX XXXX on a XXXX procedure that I was supposed to have completed in 2015 -- they had agreed on a certain amount after billing my insurance. There was a problem w/the XXXX XXXX and XXXX that was to be put into my XXXX, the temporary kept falling out and I never had the final XXXX built or placed into my XXXX because there was a transition in the team and they were n't sure what happened. Someone sent my information to PlusFour Inc., who then placed a debt collection on my account in the amount of {$1900.00}. I reached out to let them know this was inaccurate as I was making payments directly to the XXXX office and that even if they had sent it, it was in the wrong amount because I had already made several payments towards the total. I informed XXXX XXXX and they provided me a phone number -- I have reached out and have not been given a solid answer as to removing and stopping the negative report or any explanation from Plus Four.  Since then I have gone into XXXX XXXX and had to have the XXXX XXXX removed from my XXXX as it became XXXX as they were never able to put in the XXXX I was charged for services never rendered, some partially to my private XXXX  insurance. This has been ongoing since 2015 -- I have, to this date, no XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (MA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: {$300.00} XX/XX/15 closed the account, I wanted to close the account but the company did not want to

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my XXXX report it shows that i have XXXX debt transaction on my SSN which was given to collection agency. XXXX on Equifax from XXXX on XXXX XXXX 2014. Its physically impossible this is an invalid charge because i got my SSN on XXXX XXXX 2014, So how is it possible to use it before that. Kindly check it and remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (VA mortgage) with UNITED SECURITY FINANCIAL (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I believe I am on the XXXX. mort. co., in other words it has been sold twice. The current alleged owner has hired a bill collector, a so called mort. servicing corp. to manage my mort.. I have been waiting since XXXX/XXXX/2015 for the former mort. co. to sign my insurance claim check over to me. I finally received an insurance check made out to me & the former mort. co. with a signature on it. I do n't know if I can deposit it or not but I will find out tomorrow. I think they want me to endorse it & send it to them which I am not going to do. To put it bluntly, I do n't trust them. If I sign it & send it to them, I will never see it again & I will loose control over my payment. Also, I have asked for but not received credible documentation that this new company does in fact own my mort. nor that this so called mort. servicing co. is authorized to receive my payments. They want me to make my checks payable to them ( the bill collector ) & they do n't even hold the note. I have to wonder if either of them are licensed to do business in S.C..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I agreed to a loan modification on this equity loan which was to start XX/XX/XXXX 2015 with XXXX payments of {$170.00} on the XXXX of the month. I have completed XXXX payments on time only to receive in the mail the XXXX statement indicating the XXXX payment made on their posting account of XXXX/XXXX/15 has increased my previous balance and getting a loan modification has served no purpose other than to collect more funds from me. See attached documents. My understanding with the Bank of America resolution manager was that part of that payment was to go for the principal and part to interest as I inquired before even agreeing to this modification. Instead as you see on this statement they have described the loan modification amount as " cash receipts '' subtracted it from the previous balance of {$100000.00} XXXX which includes the real equity balance of {$98000.00} plus the past due amount of {$6700.00} XXXX then added on a finance charge of {$220.00} bringing it to {$10000000.00} which is more than the previous balance. This is their way of helping customers with a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Prepaid card (Gift or merchant card) with Young America Holdings, LLC (NV).
Issue: Fraud or scam

Complaint: A company by the name of Young America, a facilitator of rewards cards for XXXX has refused to honor the {$100.00} reward card owed me since XXXX XXXX. After numerous calls, they refuse to activate and give me the {$100.00} gift card that was part of my XXXX 12-month contract deal. Young America 's address is XXXX, MN XXXX. PHONE : XXXX Managers : XXXX, and XXXX. My XXXX account number is XXXX. My name and address is XXXX XXXX, XXXX, NV XXXX. XXXX, XXXX ( CELL ). 

I believe that Young America is committing fraud. They refuse to activate the card for 4 months and they keep giving me the runaround. At one point, 2 weeks ago they asked me to wait 5 weeks which is a total of 5 months for a card that had to be send in 4-6 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I refinanced my rental home and my loan was sold to Loan Care on XXXX XXXX,2017. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month of XXXX 2017. Before that mortgage statement was sent to me, Loan Care placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.

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 02-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient sent me an email a few months ago stating that my payments were going to increase. I called them right away and informed them that I could n't afford higher payments. The agent assured me that my payments would remain at {$280.00} for the life of the loan. However, they took out {$370.00} today. I called in and they explained that the arrangement I was in ended in XX/XX/XXXX. I explained that was the reason I called in a few months ago because I knew it was going to end but they assured me that it was suppose to be {$280.00}. I call in and they state that I have to wait until the end of the week and see what they can do for me. This is such an inconvenience and it makes sense why there is a lawsuit against them. The agent stated that I should have received a letter in the mail explaining that my payments would increase, but I never received anything. I am so disgusted with Navient and the kind of service they provide. I have never missed a payment or been late and this is how they treat good customers. Wow!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Medical) with AR Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I brought my son in for treatment this XXXX for XXXX. I thereafter got XXXX my insurance information ( which was to entirely cover the {$800.00} bill ) - this was to be fully covered as per XXXX 's conversation with my son 's insurer XXXX. XXXX told me it was all taken care of. They then did not take care of it and sent a debt collector after me - AR Resources. I was notified of a credit score drop yesterday - when I looked into it I saw a debt outstanding from this charge. MAJOR ISSUE is that AR Resources never contacted me - EVER! So I called today, and they refused to give me XXXX 's contact information. I WANT THIS FIXED as my credit score due to this has gone from 730 to 660! In addition, the woman I spoke to at AR was nasty, obnoxious and told me " the only way to handle this is to pay off the debt you owe '' - that 's when I asked for a manager and he said that she was wrong and would be reprimanded - I then gave him my son 's insurance information and they said they 'd call back with an update. What kind of corrupt nonsense is this?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 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: INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX MY ACCOUNTS UP NOT REPORTING XXXX  STATED BY LAW

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 04-12-2018 about Money transfer, virtual currency, or money service (Refund anticipation check) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Fraud or scam

Complaint: After two attempts to resolve the issue regarding California Check Cashing Stores of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and the unauthorized filing of my XX/XX/XXXX Income Tax Return. No only did CA Check Cashing Stores file my XX/XX/XXXX Income Taxes without authorization/permission, they continue to lie to the Consumer Financial Protection Bureau.

CA Check Cashing state that I authorized and signed a form giving permission to file my XX/XX/XXXX income taxes. They have submitted a fraudulent form to the Consumer Financial Protection Bureau. The Form submitted has a signature, but IT IS NOT MY SIGNATURE. I NEVER AGREED TO HAVE MY TAXES FILED AND CERTAINLY DID NOT SIGN ANY FORMS.

What can Consumer Financial Protection Bureau do for Consumers?????? This is the third and last complaint. I feel that I have exhausted all other avenues for resolution. The final step is hiring professional counsel. So if Consumer Financial Protection Bureau has any authority regarding dealing with Fraud and this CA Check Cashing Company, I request that action is taken immediately. We are reaching the end of the tax year and no amendment has been made thus far. Thanking you for your time regarding this matter.

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 02/16/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problems caused by my funds being low

Complaint: XX/XX/2016 I paid my XXXX phone bill of {$220.00} and it cleared my account on XX/XX/2016. About the XX/XX/XXXX I filed a dispute on XXXX charges. 

Someone at Chase included my XXXX payment of {$220.00} in the claim. They have admitted it was Chase error. 

I NEVER disputed XXXX charge. However, it was charged back from XXXX. 

I have dealt with XXXX collections and had to REPAY another {$220.00} to keep my service active. I had to Pay twice for my XX/XX/XXXX phone due to Chase error that they will not return while they figure it out! Chase has NOT returned my money! 

in the amount of {$220.00}. It is not at XXXX ( I have verified with XXXX ) I have spoken with the claims dept at Chase to no avail. I 'm told each time that it will be another 5-7 days. It has been 4 MONTHS! 


This is outrageous! I NEVER filed a claim on XXXX! 

The amount was NOT returned to my account! The Amount was NOT returned to XXXX. 

THIS IS UNACCEPTABLE! 

PLEASE HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/14/2017 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (VA).
Issue: Problems when you are unable to pay

Complaint: We have a car loan with Gateway One Lending and Finance. Due to our financial situation, we pay late almost every month, not 30 days late but late. Gateway will call me. I explain that they payment has been scheduled with our bank bill pay system, the date it will leave our bank and how much the payment is. They will take the information, thank me and advise that they will follow up. The next day, they will start calling at XXXX. They will call me, my husband, my work, my parents and email me multiple times. If they speak to anyone other than me, they claim they have never spoken to me, have been trying to reach me for weeks or claim that I promised they would have received payment already when that is not the case. One month after we had switched bank I tried to make a payment on their site and entered the info wrong so it was returned. I spoke to them and explained it was my error, and that my bank bill pay would send the money in the next day. They told me someone was on the way to repossess my car and the only way to stop it was to make a payment with them on the phone immediately. They also said they could not accept bill pay from banks so any payment sent that way would take weeks to post ( It takes 3 days at most ). Almost everyone that we speak to is incredibly rude.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with U.S. BANCORP (VA).
Issue: Billing disputes

Complaint: On XXXX XXXX, I purchased a clock radio from XXXX XXXX for {$110.00} on line. I paid by credit card, and delivery was promised within XXXX - 7 days. We allowed about 2 weeks for delivery ; however, the merchandise never arrived. At which point, I made several attempts to contact XXXX ; however, the phone number has been disconnected, and the website taken down. When we received our XXXX credit card statement showing the {$110.00} charge I immediately contacted Elan ( XXXX XXXX ) of XXXX ND to have the charge reversed. I was told they would send a dispute, and once completed I should fax it back to XXXX XXXX XXXX completed the form and faxed it back, several weeks later XXXX called and said they did n't have it. Again I faxed it back. In XXXX, the charge again appeared on my card statement. I contacted XXXX who said they did n't have the form, so they are charging us, but we can still send in the form for consideration. On XXXX XXXX I faxed the form again. On XXXX XXXX, XXXX left a message saying since it 's been so long, we would need to provide more information for the dispute to be considered. On the evening of XXXX XXXX, I called Elan, and granted permission for my husband to speak on behalf. He was told we needed to contact XXXX XXXX again to try to resolve the dispute. Again, the phone has been disconnected, and the website has been taken down. My husband was told they have to follow XXXX 's rules. Further XXXX will contact us in XXXX - 48 hours. I understand rules, but there is nothing more I can do. I have always paid my bills on-time. Further, I do n't routinely file billing disputes, so I expect to be treated fairly by Elan. I want the charge removed from my account, and expect I will not be charged any interest for the period of time it 's on 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 monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have asked Transunion to update my file many times this year to remove the multiple names they have listed for me, just written differently. To remove all unauthorized hard inquires, and any collections they have. I also sent out a letter requesting this information on XX/XX/XXXX and it is now XX/XX/XXXX and Transunion has not responded. According to the FDCPA a creditor has 30 days to respond or everything asked on the letter should be removed. 
I would like them to only have 2 names which one is my maiden name and the other is my name though marriage, there is no need to have 8 different names of the same name just written in different order. 
Please update my name to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX My current and only address need to be showing XXXX XXXX XXXX , XXXX NC 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 04-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied online on XX/XX/XXXX for a Citibank Simplicity card with 18 months 0 % APR for purchases but was given a Citibank Double Cash card instead.

I called Citibank support today ( XX/XX/XXXX ) after noticing that I received an interest charge on my first month. I was not given the ability to switch over to the correct account type.

I believe Citibank actively offers the Simplicity card online then bait and switches customers with Double Cash card in order to trick customers into paying interest charges on purchases they believe to be interest-free for 18 months.

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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: It was recent brought to my attention that there were hard credit inquires from XXXX XXXX XXXX ( Transunion ) on my credit reports dated XXXX/XXXX/XXXX. These were done without my authorization or consent. I have no knowledge of this and would like for them to immediately remove it.

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 12-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Other fee

Complaint: Was charged for my American Express Platinum Business card {$450.00} for annual fee on XXXX/XXXX/2016. On XXXX/XXXX/2016 was card was cancelled by American Express. on XXXX/XXXX/2016 I called to see how to get the {$450.00} refunded since card was cancelled. Was told it would be credited back by the next business cycle. I now have been turned over to a collection agency for the {$450.00} plus XXXX late charges {$38.00} each. I have tried to dispute charges with collection agency however they stated they only take money and I would have to take up the issue with American Express. I have contacted American Express and get the run around and never get an answer. Yesterday, XXXX/XXXX/2016 I spoke to customer service and they stated another department cancelled the card therefore and they have no way of reversing the charge and am out of luck. 

I should not have to pay for the entire annual fee when I only received 11 days of the card benefit. Plus I was told that I would be credited back the fee on XXXX/XXXX/2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/2016 - Checked my credit report and found inquiries from company on the following dates : XX/XX/2016 XX/XX/2016 I did not put in an application for this company and my credit report should not have been run.

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: For the last four years someone has been using my social security numbers and trying to get loans last year someone reported that I was released and each year I send information to Equifax and the problem is never sovled this year I notice something else was wrong my potential job tryed to run a background check and couldn't because I had to report fraud of idenity theft for the previous years my I'd was stolen out my mailbox and this person has access to my social security number how they retrieved it I don't know.This year I called Equifax again because my potential employer could not verify my address with social, and asked them to for a temporary lift so my employer could verify my social and they asked me security questions and was not able to lift it because they stated I answered the questions incorrectly, so they asked that I submit information to verify who XXXX and I did each year I have and they keep acting like the information was never received I believe the person who used my information works for the goverment or know someone who does, Last year my social was linked to someone who was dead I had to clear that up the previous year someone got XXXX phones in my name and now this.The process has been going on for four years with this and Equifax is not helping.I worked at XXXX XXXX in 2014 and someone who was from another country had the same social security number as I did.I just want this to stop I do have proof of who iam and can verify that as I have done with Equifax for the last four years it's starting to be a problem, they sent me a letter last year stating I was affected by the data breech.Also this is not right and has also slowed my process to go to orientation for my potential work place which I was suppose to go on the XX/XX/XXXX but  couldn't.I have to take them proof verifying who Iam

Company response to consumer: Closed with explanation