milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Fraudulent/ Wrong/ Billing Error or identity theft was being done to abuse my tjx credit card without my permission. I didnt give permission to tjx to abuse me ; or my credit card or me for marketing purposes. If they have done that then they need to pay me. 

My bill was {$900.00} on top of which I paid {$200.00} further as a bill payment via my XXXX XXXX XXXX account Online bill payment. 

XXXX launched their XXXX XXXX and tjx increased my bill from {$900.00} to {$2700.00} without me using the credit card and now they want me to differentiate which ones are my transactions and which ones are fraudulent transactions. That representative apologized which ones are somebody elses transactions. 

I told them that I just know that my bill right now should be {$900.00} ( as later on I paid approx. {$200.00} more then now the bill should be around {$700.00} which I need to pay off. ) XXXX is not my bill. 

Few of tjx billing department representatives called me and confirmed that yes there was a billing error ; which caused a problem. He apologized and affirmed that they will remove the remaining wrong charges / billing on my account caused by their mistake and I dont need to worry about this issue. 

After few months when they didnt adjusted the bill I called the helpline but their representatives were misbehaving and were very abusive and forced me to call and create a complaint with XXXX and CFPB by saying that if you have a problem then go create a complaint against our bank because their senior management is involved in this fraud. I dont know the representatives from tjx who called me ; either they called me from their cell phone or it was an official call. 

Please help is required in guiding tjx XXXX XXXX to remove the wrong billing out of my bills i.e. {$2700.00} - {$700.00} = {$2000.00}. Which I didnt use nor I am aware of who did 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 12/19/2016 about Debt collection (Auto) with Southwest Business Corporation (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have resolved this debt with the original lender. I have notified AP account services of this XXXX times over the phone and have asked them XXXX times over the phone not to call me. They call me XXXX to XXXX times a day and sometimes call after 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 05/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I graduated from University  XXXX   XXXX  in  XXXX . I was going to go back and get my masters but decided I could n't and they still charged me of the semester which I have paid but it does n't show on my account online?? ... This amount was about {$1200.00}. When I graduated I was told by  XXXX   XXXX  that I did n't have to pay my loans for 2 years after I graduated so I did n't. My loans were disbursed  XXXX / XXXX / XXXX  I believe when Navient took over the loans Account #  XXXX   (  see attached documents ) for an unsubsidized and subsidized which I am not sure of the two and why they equal so much!! I have had a couple of financial hardships along the way but have made my best ability to pay and cooperate with the loan process. I am now in the graduated plan which is {$180.00} ( or more if I can afford it ) a month and manageable but the problem is there is over  XXXX  A DAY added in on interest!! This  XXXX  loan already has a 6.12 % interest rate and I am being added interest daily even though I am in good standing!! I do n't understand how when I pay I get all this extra interest rate and then the 6 % is HIGH alone!! I want to pay these because I borrowed the money but why do I have a subsidized AND an unsubsidized?? ... I also just paid them over {$700.00} because I had {$500.00} in uncured interest which hey ca n't tell me where that came from. But in order for me to see my loan amount go down I had to pay that and I have already accrued over  XXXX  dollars in interest since 2 days ago!! I 'm frustrated and I really need some answers!!     Also, I have a parent plus loan that was through  XXXX   XXXX  and now through Navient that is at 8 % interest!!  (  see attached ) I was n't old enough to get this loan in my name at the time of school so that is why it is in my mother 's name but I PAY it monthly. I am not on any payment plan because it is  XXXX  a month. I do n't understand how I am supposed to pay both of these and let alone pay the  XXXX  by itself after all the interest rate that 's tacked on!!     According to the attached documents if I pay according to their payment status I would pay $  XXXX  .THAT 'S OUTRAGEOUS!!      Please help me!!! I need to get some payment plan options better than this!! Navient is so unhelpful and ca n't point me in the right direction. They told me federal loans get tacked a daily interest rate and I 'm drowning here!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: Submitted a claim for disputed transaction charge from my debit card with Chase Bank due to an illegal charge from company XXXX for {$480.00} on XXXX XXXX, 2016. This ticket company XXXX has violated their charge policy regarding selling of ticket. The ticket price was {$800.00}, and since XXXX did not accept a " Credit-Card entry '' ticket for XXXX concert, this company charged my debit card {$480.00}, even though their policy clearly states that they can only charge XXXX % off the ticket price ( XXXX % off {$800.00} should be {$160.00}, instead of {$480.00} ). XXXX refused my dispute, and only provided refund of {$120.00} instead. Thus, I had to dispute the transaction directly with Chase Bank, but the claim was recently rejected on XXXX XXXX, 2016 and the temporary credit is now removed. I actually work for Legal Department at Chase Bank and reviews all the legal CFPB complaints on daily basis, the charge by XXXX was clearly illegal and violated their policy ( stated on their website ). Please provide your assistance in order to refute the rejected claim, so we can come to a resolution and return the charge back to my debit card account. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX I made a call to the department disputes Trasunion, reported me with a supervisor, because customer service, had no access to the document which had sent them XX/XX/XXXX as evidence a dispute against XXXX XXXX XXXX XXXX, the supervisor tells me that actually signed by XXXX XXXX department ( Complience Division ) XXXX clearly said they had targeted after an internal investigation, remove the account from my credit report, but immediately said he could not it, just if you could send another letter the same, but with more recent date, which is totally absurd since the account is the same, I said that if XXXX sending this document, even by registered mail, was because he had granted special treatment to the case, even it insisted that it should be a recent document, is not possible that a letter which refers to one account it can not be removed, when the company which had to make the decision, he did, in the case of XXXX, this document has no expiration date or the aforementioned company I find out about that detail Trasunion is violating the law FCRA Fair Credit Reporting Act USC 1681 reporting information taking into account as evidence of this illegality this letter even signed and certified by the company in question, please must immediately remove this account 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 10-08-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Date company sent letter X/XX/17 Company name is DIVERSIFED CONSULTANTS MAILING ADDRESS IS XXXX  XXXX XXXX FL XXXX Letter address from. XXXX  XXXX XXXX MI XXXX Stating I owe XXXX Address is wrong I never had an account with said company XXXX or XXXX XXXX XXXX They have a phone number that goes in circles and cant speak to anyone about issue to resolve this is fraud phone is XXXX Not my account and they wont remobe off credit

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a student loan with AES i have been paying on it since 2008. I have never missed a payment. I have never been late on a payment. even though I have never missed a payment my balance is still more than what I took my loan out for. When I have contacted AES on multiple occasions to ask for ways to get the balance down I have been told there is nothing they can do because my loan is paid up to date and not missing payments. I asked for a reduced interest rate to try to pay down the debt I was laughed at on the phone, and was told that the only way they will work with me is if i stop making payments and let my account fall behind they can then work with me until then I am on my own. I have a XXXX credit score and do not think that I should have to ruin my credit to get assistance in trying to pay my debt down. When I asked would it help if I made more of a payment would the balance come down, I was told that not matter what I send it will come off the interest and not the balance until all the interest is paid back. I find it very hard that in 8 years nothing has come off my principle. I feel that no matter what I do AES will not let this loan be paid off. I feel as if I am drowning in this debt and cant tread water for very much longer with out giving up.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: HFC Mortgage Statement and HFC Account page amounts are not the same. 
Statement YTD owed should be {$18000.00} ( 5mos. @ $ XXXX2mos. @ {$2600.00} ) YTD I 've paid {$12000.00} Difference should be $ XXXX not {$5200.00} ( amt. on HFC Acct. page ) or {$8000.00} ( amt. HFC Statement ) The only way I can make either of those totals is if I add XXXX month at the old rate to the correct difference {$5400.00} + $ XXXX {$8000.00}. 
HFC has lost/misplaced/misapplied XXXX previous mortgage payments. I wonder if it has happened again?

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (Medical) with Firstsource Advantage, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a collection showing up on my credit report that never happened

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2016, I filed for bankruptcy. While in bankruptcy, Capital one continued to charge interest on the loan, plus other trumped up charges like home inspection, attorney 's fees, and late payment fees. I would like the bank to remove all those charges and credit my account in accordance with the bankruptcy laws. 

Secondly, my record shows that I paid up to date with the bank prior to filing for bankruptcy. However, Capital One claims that they are not going to send me monthly billing statement on the basis that my account is not up to date. Whereas, the their last letter indicted that I owed {$1100.00}. That payment was made in full. and evidence herein attached. Therefore, if Capital One believes that I had a missing payment, they should indicate the month and amount they claim I owe till date. 

As proof, I have attached a letter in my complaint from Capital One, stating an amount to be paid in other to bring the account up to date and a certified check payment made by me to bring the account current. Therefore, I am clueless to why billing statements where still not sent monthly, and how i can owe ofter making such the payment asked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Respectable Gentlemen I asked Bank of America to stop withdrawals from my savings account by XXXX XXXX, who bought an unsigned contract from XXXX XXXXXXXX, who was supposed to help me in a loan Forgiveness that resulted in a consolidation. The whole transaction was misleading and once I realized it I reported the fraud to the bank and requested they stop payments immediately and help me get a refund from XXXX XXXX who cheated me and XXXX XXXX who I do not know and with whom I ended up having this debt for a " Service '' that was n't fulfilled. 

The bank has not fully cooperated with this problem and from the beginning they were trying to charge me for a stop payment to XXXX XXXX XXXX who I do n't know ) even though I explained to them that I was mislead by XXXX XXXXXXXX to believe that my student loan was going to be forgiven but instead, they were only consolidating it and for which they were trying to charge me a RIP OFF fee of {$2000.00}, so to make sure they got their share they sold my contract to XXXX XXXX. 

Bank Of America has apparently ignored my request and have reached a decision based on documents that XXXX XXXX has offered and which I never had a chance to see or evaluate and which dont even have my signature. 

I hope I get the support on this Issue as you are my last and only source for help. 

Thanks so much in advance Respectfully yours 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 monetary relief
Consumer complaint received 07/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I initiated a 0 % APR balance transfer to my Citibank credit card. This included a 3 % fee on the balance transfer. As part of the promotion, I was told that I would not pay any interest on the balance transfer until XXXX 2018. What was not clear is that since I would be carrying a balance on my account, any additional charges ( ie, standard purchases ) would incur interest charges even if I paid the new standard charges in full. So for example, if I had a {$6000.00} balance transfer charge on my account and accrued additional charges of {$500.00} at a local retailer that month, despite the fact that I might make a payment of {$2000.00} when my next monthly payment is made, I 'm still charged interest despite the fact that my {$2000.00} paid for all the new standard charges and a big portion of my balance transfer. The fact that I would be charged interest on standard purchases ( despite paying them in full ) was not well explained in the marketing. When I called Citibank to complain this morning, I was told, " most people initiative a balance transfer and then do n't make any additional charges on that card so that they do n't get stuck in the cycle you are now in where you 'll need to pay interest every month until the account is paid in full. '' She was unable to do anything to help. Very deceptive.

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 05/25/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home in XXXX and was XXXX in XXXX XXXX XXXX. After XXXX to XXXX I found out that a Lien has been placed on my home by a local XXXX. I had no knowledge of the bill or that I owe her anything. I never received a bill from her. When i tried to place the house on the market to sell, I found out about the Lien. I went to her office to try to get it straighten out and could n't get any information on how to pay the bill or who to contact. The XXXX said she did n't know how to contact them. She would n't take the money I was trying to pay her for the bill. I am trying to sell the house before i loose it due to being XXXX from the XXXX and not being able to afford to pay the notes but I ca n't get the Lien off to put it on the market. I got behind on my payments and XXXX XXXX XXXX sold my loan to another mortgage company that does not have a office in my area/state. I told her I was in the military and had just gotten back from XXXX and knew nothing about a bill i owed her. She had went to court and gotten a judgement against me and placed a XXXX on my house without me knowing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with Bison Recovery Group, Inc. (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: RE : The Bison Recovery Group, caller id:XXXX. number left : XXXX They have made frequent and repeated calls 3 or 4 times a day.
They have called multiple times before XXXX and after XXXX.
They have call relatives at XXXX or XXXX asking for me, discussing the collection and threatening.
When I told them to stop contacting me and my family, they continued harassing us. They used obscene, profane, and other abusive language.

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 02/15/2016 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Other

Complaint: TJmaxx Reward/Synchrony. and or their collection deptarment. They are calling my Work phone! I would like them to stop. They have my cell phone number, they have my email, they have my address. They Do Not have to call my work phone. They are going to get me fired! I have my cell phone on vibrate at work, I can not answer it at work. They are calling me every half hour, and from various different phone numbers. XXXX XXXX XXXX etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2015 about Debt collection (Medical) with Integrity Solution Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no ideal who this is and why are they causing harm to me. It says it is XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Trouble during payment process

Complaint: We recently requested copies of our Escrow Review Statements, as well as copies of all account transactions occurring with our loan for the past three years. After reviewing the documentation, we have found that Wells Fargo is in breach of contract. The original terms of our escrow account and shortfall established by Wells Fargo Home Mortgage was for 60 months. This is confirmed in a previous Escrow Review Statement, dated XXXX XXXX. The Escrow Review Statement dated XXXX XXXX, XXXX now states our shortfall is to be paid in 12 months. The revised shortfall also includes mortgage insurance, which we have opted out and do not pay through escrow. 
We have a 60-month agreement that is not being honored. The demand for a change to 12 months is now a breach of that agreement. 
On XXXX XXXX, XXXX we sent Wells Fargo a letter describing the current breach of contract with us on our loan. On XXXX XXXX, XXXX we received a letter stating that they needed more time and that we should hear from them by XXXX XXXX, XXXX. On XXXX XXXX, XXXX we received a letter describing what they already knew regarding our mortgage insurance, but the breach of contract with the escrow account was not addressed in that letter and we have yet to receive any additional correspondence from them.

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 10/29/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: APR or interest rate

Complaint: Costco unliaterally switched my credit card account from XXXX XXXX to Citicorp. The information around the switchover was scanty and barely came to my attention. I was tracking the Costco XXXX account online, paying regularly, and the account just disappeared from that system at some point, with no notice or transition information provided there. Mail regarding the new card account was lost in junk mail, among XXXX unsolicited credit card offers, for months, until at some point I wondered what had happened to the account transition, and started digging for information. By this time, although I had never requested the Citicorp-based account, had never activated its card ( since I never saw it ), and had never used it, the account was already frozen for late payment, charging a penalty interest rate of 29.49 %, and damaging my otherwise-strong credit rating. This is an unfair start-up process for a card that I did not request or understand, which was simply inflicted on me unilaterally by Costco.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: please find attached ( upload ) letter from the creditor for which they have approved to remove the inaccurate delinquency from my XXXX XXXX XXXX # XXXX, XXXX and transunion are the only ones who are reporting this inaccuracy, i have already faxed the creditors letter for which they have approved to remove the late on this account, but they are not responding therefore i decided to file a complaint and need yoiu help to do so. thank you for your cooperation in 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