milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other

Complaint: I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$4000.00} as income. This is false, I did not receive that amount. I only received {$1000.00} and included a copy of check I received. Now that I am filing my taxes, It looks like I received {$4000.00} when in fact, {$3000.00} were attorney fees, paid directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In 2012, I discovered that someone had used my name and personal information to open a Wal-Mart credit card in my name, without my knowledge. Since that time, I have filed complaints, disputed the account at the three credit bureaus, and also requesting a fraud investigation from Sychrony Bank. To date, Synchrony  Bank has done nothing to initiate a fraud investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I went to purchase a used car to replace one that was totaled by an uninsured motorist in XXXX of 2016 at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tn XXXX My credit score at that time was reported as XXXX through XXXX. 
They also used a company ( I never heard of ) called XXXX which at that time reported a credit score of XXXX! 
You can imagine how that effected my interest rate and payment ... .close to {$200.00} extra a month! 
XXXX seems to have quiet an ally in these finance companies, and I can not believe this continues after all the complaints that continue pouring in here, and elsewhere on line. 
I too do not feel comfortable giving personal information to a company that can only be contacted via email or hard copy ( no website ... legal? )

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 07-12-2016 about Debt collection (Medical) with CREDICO. INC (SD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: First they tried hitting our bank account too many times but thankfully our bank stopped it from unlimited withdrawals. Then we entered into a payment arrangement with them and they were taking {$200.00} out every month for many months now. But today " XXXX '' called me at work and tried to tell me I 'm 2 months behind ( our last payment was on XXXX XXXX. Today is XXXX XXXX. How is that 2 months behind? ) so I told her to just start up payments again and she insisted that the only way to start it was to put {$400.00} down today or they were going to garnish my wages. Why??? We are n't late!!!! They also have " Miscellaneous '' charges listed for us and have yet to tell us what they 're for. And finally, we have not received monthly bills showing our payments, how they 're being applied and our new balance. 
So after she hung up on me at work today, I had my husband call her and they managed to bully him into making even higher monthly payments than we were already making! By $ XXXX/month! Why? Our bill is lower from our repeated payments and we were n't late so why did it go up? This is a hardship for our family! My husband is on Social Security ... We have XXXX kids still at home and we are struggling to make ends meet. We were trying to get this debt paid and yet they insist on getting more money out us! Our bank records will show the monthly automatic withdrawals. This is just not right!

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have been a customer of XXXX XXXX for over 2 years, never had any 30/60/90 day lates and even pay above the monthly bill to them on time each month. In XX/XX/XXXX I  went out of the country and my credit cards and personal information was lost. During the time of losing my information my bill was due to XXXX XXXX but I had no way of paying it bc the bank account that pays that bill was closed and I had to wait until I returned to open a new one. I went online today to pay my bill and saw that they reduced my limit from {$7000.00} to {$2100.00}, which hurt my credit score tremendously. There was no communication whatsoever. This is a horrible way to treat a customer that is loyal and pays on time.

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

Complaint: On XXXX XXXX, 2017, Equifax notified the public that it had been hacked and data from over 143 MILLION accounts had been stolen. This is data that should be protected with the utmost care, and the fact that all of the details stolen can be used to fraudulently impersonate others, this is a severe breach of trust with the public. I fear for my credit score and for all others affected by this. This is unacceptable and there need to be severe consequences!

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CNG FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX is reporting to the credit reporting agencies on a previously settled/paid debt with a different collection agency. XXXX XXXX XXXX ( XXXX ) is claiming to have an installment loan I previously had with Check n Go. This installment loan was previously sold to a different collection agency ; XXXX. XXXX XXXX XXXX is claiming to have said loan when the loan they are claiming to have was already collected and settled between XXXX and me. I settled with and completed payment in XXXX XXXX. A settlement was negotiated with XXXX in XXXX by XXXX ( XXXX ) and myself.. the first XXXX payments were made as follows by XXXX with the remaining made directly to them by me as the was a disconnect between the agencies. The total settlement changed from {$2000.00} to {$22000.00} due to the mix up in payments. 

XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$450.00} I received a settlement agreement letter from XXXX dated XXXX/XXXX/XXXX for a total settlement of {$2200.00}. XXXX has no right claiming or reporting that I owe them, I have paid this debt and will not pay again on an invalid claim.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Payday loan) with CASHCALL, INC. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They are calling my place of employment and harassing me about a debt that I am disputing after I had asked them not to.

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 02-03-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX a fraudulent transaction appeared on my Chase checking debit card. I called the bank on XX/XX/XXXX to dispute the {$820.00} taken out as cash back from my account in another city 3 hours away at a post office. I was given a temporary credit for the full amount, but on XX/XX/XXXX Chase ruled against me and says on XX/XX/XXXX they are reversing the money even though I spoke to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding this matter and faxed evidence that proved I was in XXXX XXXX and never made this purchase. On XX/XX/XXXX I even had a letter from the post office where fraud happened faxed to them. The post office said they do not have chip card technology and even write me a letter stating this. Chase has previously said because my card had a chip, it must be me making this purchase and denied the reversal. Now, they are saying its because they had my pin. Which is it? Ive filed police reports, identity theft reports and postal inspection reports about this and Chase still wont help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-07-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CT).
Issue: Unauthorized transactions/trans. issues

Complaint: I reported on XXXX XXXX that an unauthorized atm withdrawal was made to my American Express Bluebird Account of {$160.00} as well as ATM fees. I spoke to a representative which then informed me that American Express Blue Bird customers have a 0 % Liability for Unauthorized ATM withdrawals and that she will assist me through the process to retrieve the money taken out of my account. She then informed me to fill out the proper paperwork that it will be emailed to me within XXXX hours. I filled the paperwork and sent it in and within XXXX hours I go to look into my account to print records to bring to the police and could not access my account. I then checked my email and received an email claiming my account has been suspended and that there investigation ( within XXXX hours ) came to a conclusion that it was n't Fraud. I called the number which said to contact to retrieve the paperwork that made them come to the decision and was transferred 4 times and put on hold for an hour to be told that the only information that can be given to me is that my account has now been closed. I am outraged that even with consumer XXXX % ATM liability an investigation took so quick and an outcome of closing my account without access to my deposited fund are now unavailable. Yesterday the representative for BlueBird insisted I leave the money in the account while the investigation proceeds and that they will do a thorough investigation which could take 45 days which I agreed. I was looking forward to finding out how the money was taken out in the first place. It took like I said before XXXX hours after sending in the paperwork to submit to fraud for them to investigate and then find out they restricted all access from my account. Once again leaving me with no way to inform the police let alone gain the necessary records for myself to settle this situation. I just would like everyone to know that American Express BlueBird is a scam and quote what I was told by a supervisor, " In the Terms which you agreed when you first used the card, American Express has the right to cancel your account at anytime. '' I went through the proper channels to try and fix the situation of money being stolen and American Express becomes the second crook of money being taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Struggling to pay mortgage

Complaint: I became XXXX and my income severely dropped however I should have had mortgage insurance that was supposed to cover the Cost if I died or became XXXX. Now Ocwen says that I do n't have that.

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: account is paid in full. when i requested a COMPLETE ORIGINAL APPLICATION AND PAYMENT HISTORY years were missing and the application was a computer printout not an application, with incorrect information. they do not have acurate information and need to delete the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax is reporting late payments and the account status with XXXX XXXX is still open with a {$870.00} balance and over 120 days late. I have paid this account off in full. I have disputed the issue with Equifax but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Debt was charged off over 4 years ago by original creditor. Account went delinquent XXXX of 2009. 

Communication with XXXX parties : Contacted XXXX other people that I am aware of, including old Landlord, and extended family trying to get ahold of me for a " legal matter ''. Left messages on answering machines with case # XXXX XXXX. 

Harassment : Claimed to be delivering service of summons and would not disclose name or information of process server at my request. Used the threat of a pending lawsuit to get me to make a payment by the following day in order to stop the process. 

Making False and Misleading Representations : Claimed to not be a debt collector, but a law firm working on behalf of Wells Fargo and used multiple names including " Legal Claim ''. Never notified me on contact that they were a debt collection agency or that they were attempting to collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have tried numerous times to lower my payments to something I can afford with no success and my loan just keeps getting larger and larger every month

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX/XXXX/2015 Dear FTC : I wish to complaint about Equifax Credit Services, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. 
Equifax refuse and ignore to investigate and correct fraudulent info on my credit file. 

I am filing my complaint because in the pass several years Equifax ignore and refuse to investigate and make the necessary correction on my file. This fraudulent business practice make me loose a lot of money and lost a lot of business opportunity 's. 
I did request several time over the phone and buy regular mail to Equifax correct the fraudulent credit report, lately on XXXX XXXX, 2015 send a certified mail with return recite but is bin nothing happened from Equifax. 
Please attachment. 

I do believe that Equifax business practice is unfair because I given numerous time opportunity 's to correct and I believe that Equifax haze an obligation to me. 

I also requested numerous time to send me my annual free credit, but Equifax ignore this request also! 

I believe that the FTC haze the power to make Equifax to correct and send my corrected report to me on the next short period of time. 

I look forward to hearing from you as soon as possible to resolve this problem. 



XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Vehicle loan or lease (Loan) with United PanAm Financial Corp. (MI).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: The car was repossed. They say the balance is {$6600.00}. When I talked to the agent back in XXXX XXXX of 2016 they told me the balance was half of that.

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 09/20/2016 about Mortgage (Conventional fixed mortgage) with American Heritage Capital, LP (IL).
Issue: Settlement process and costs

Complaint: I have received a Demand for Payment Notice ( Attachment # 1 ) dated XX/XX/2016 for a {$990.00} Rate Lock Cancellation Fee which is based the Rate Lock Confirmation Acknowledgement and Agreement and {$420.00} for a Appraisal fee. 
I have abided the terms of the mentioned agreement and do not owe these sums. When I called to try and resolve this demand notice, the American Heritage Capital representative, XXXX XXXX XXXX, refused to acknowledge the requirements of the agreement. American Heritage Capital LP Rate Lock Confirmation Acknowledgement and Agreement states " in an effort to recoup any cost associated in processing and underwriting your loan, a {$990.00} Lock Cancellation Fee will be imposed if you withdraw or cancel your loan application and subsequently close with another lender within 90 days of the original lock date on the same property ''. ( Pg XXXX of Attachment # 1 ) This agreement was signed on XX/XX/2016 which means the 90 day period ended on XX/XX/2016. 
American Heritage Capital LP has deemed that the rate lock was cancelled as stated in the Demand for Payment Notice. As I offered to send to XXXX XXXX, please accept this signed letter as my attesting that the same property was not closed on with another lender within the specified 90 days. Attachment # 2 is a copy of my current Mortgage Loan Statement just paid on XX/XX/2016 providing evidence that no closing occurred. Since the Rate Lock Confirmation Acknowledgement and Agreement specifies that any costs associated in the processing and underwriting your loan are included in the {$990.00} USD Lock Cancellation fee, there are no grounds for American Heritage Capital LP to request any other costs incurred including the {$420.00} Appraisal Fee. 
As mentioned above, American Heritage Capital LP Rate Lock Confirmation Acknowledgement and Agreement states that a {$990.00} fee will be imposed if I withdraw or cancel AND subsequently close with another lender within 90 days of the lock, and I did not close with another within 90 days of the lock. Therefore, I do not owe American Heritage Capital LP any costs. Please help me obtain written confirmation from American Heritage Capital LP that this matter has been clarified and is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The NY Department of Social Services paid my XXXX and XXXX bill when I was laid off. I am paying the Department of Social Services back for this. I am receiving collection notice for this debt that was paid in full from a collection agency several years later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I checked my credit score and found I have 4 separateaccounts in collections from commonwealth finance systems for a total of {$4400.00}. I have n't gotten anything in the mail regarding anything, and it 's killing my credit score. I 've tried to call but keep getting passed off and never gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (Other mortgage) with ROYAL UNITED MORTGAGE LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: We started a refinancing with Royal United Mortgage XX/XX/XXXX we sent all required documents. Paid to have house appraised XXXX We were told in would take 30 days refinancing process and not to worry about our XXXX house payment because it will be finished by end of XXXX! Well today is XX/XX/XXXX and we still haven't heard anything positive from our loan officer!! And we have been late on our XXXX house payment and playing catch up on our XXXX payment! Our loan officer keeps giving us the tune around that he's working on it! If we didn't qualify why didn't he he just tell us that!! We are very disappointed we had estimates done on our bathroom and garage plus some bills were suppose to get paid off. This waiting has really put us being as far as mortgage payment being late!!!

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 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and so  XXXX  dont owe   XXXX   XXXX   XXXX   anything.   I never had an account go past due with   XXXX   XXXX   this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or   XXXX    anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.   Ga  XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.

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 08-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I requested a " qualified '' review of my mortgage including escrow and reimbursement for fees paid to make payments through the company web site. The company has delayed and has sent letters extending the time to review the issues. I first sent a " qualified written request '' in XXXX 2016, I received the third notice extending the time to XXXX XXXX. This is an unreasonable delay in resolving and reviewing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation