milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2015 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Billing disputes

Complaint: Due to the XXXX of my husband and his inability to work I requested to be placed in the hardship program. It was agreed that we would pay {$160.00} per month for four years at XXXX interest. Our statements continue to reveal 40 % interest being charged. After multiple phone calls to multiple departments and people it seems the system is stacked against the customer resolving the situation. Whoever takes the calls are never people authorized to make a decision. The hardship agreement was made in XX/XX/XXXX and to date we have received no phone calls, emails or written correspondence. We sent a certified letter to their XXXX office on XXXX XXXX. We checked the tracking on the letter and it revealed it was delivered on XXXX XXXX. So far no response. I called once again to their customer service department and they knew nothing. They were located outside of the US. The crux of the letter we sent informed them that we will no longer be making payments until this is resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/13/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my FHA loan XX/XX/2016. Immediately after refinancing, my loan was sold to Ditech. XX/XX/2016, I received a tax statement from XXXX County, GA stating I owed property taxes despite having an escrow account with Ditech. I checked my account online and they had the wrong parcel ID # for my property. I contacted Ditech numerous times by phone and was asked to fax the tax bill. I faxed the tax bill on XX/XX/XXXX. I called XX/XX/XXXX to inquire into the status. I was given an update that Ditech had sent a disbursement to the wrong city ( due to incorrect parcel ID ) and that the city of XXXX, GA had sent the check back. This past Friday, I again received another property tax notice from XXXX County stating a lien was going to be placed on my property due to unpaid taxes. Again I called, explained the issue again, they took down the correct parcel ID # again, and I faxed the bill AGAIN. I have also received an unpaid noticed from the city of XXXX and tried to tax that after receiving and the fax would not go through. I 'm attached all faxes, a screenshot showing the incorrect parcel ID #, and all property tax statements.

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 06/24/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Making/receiving payments, sending money

Complaint: I hold an account in XXXX. I have been using XXXX XXXX for mail communication for many years. XXXX day I got a letter from citibank saying, I need to update my address to the physical address. So I called up citibank and updated the address. I have been using direct debit for some services and I have given some checks for rental, etc. Later I came to know my checks have bounced as my account was frozen. I visited the bank and came to know that account freeze was due to address change or something. I talked with the personal banker and he apologized for the inconvenience caused to me as it was a mistake from citibank side. He gave me a letter stating that, the account freeze was due to citibank 's problem, not mine. 
But still I had to pay the late payment fees/penalty to rental, aum etc. I had to talk to the branch manager to inform this. I tried to get an appointment by visiting the bank as well. But the employees over there said, he is in meeting and they will contact me once he is available. I waited and nobody called confirming the appointment. I called the bank again asking for the appointment regarding the issue with my account. They said they will contact me after checking his calendar. I waited again and I had to call them again for the same. Still no response. I sent an email to the manager, asking for an appointment. He did n't respond to my mails as well. 
XXXX day I went to the bank with my friend to talk to the manager ( XXXX XXXX ). Finally he showed up. 
He was staring at the computer for XXXX minutes and then he said, there was no record of me calling the bank for the address change. And he ca n't help with whatever loss has happened to me. The irony is my address was updated from XXXX XXXX to my physical address. How can it happen without me requesting for it. 
He transferred my complaint to XXXX branch, which has nothing to do with my issue. Till now there is no update on my issue. 
The service they provide is horrible. This problem is from XXXX 2015 onwards and still no solution. They are acting irresponsible. The money might be small. Still no one should get treated like this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Called myself and relatives and friends multiple times. Used abusive and rude language. Threatened the use of law enforcement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Billing disputes

Complaint: Please find attached XXXX dispute letters to XXXX in regard to an account with Barclay 's Bank Delaware for the negative amount of {$1900.00}. In the XXXX report it states that the XXXX XXXX Amount was {$1500.00}. I had never been notified of any sale or transfer of this account with Barclay 's Bank Delaware to a debt collector. I also have no knowledge of how a XXXX amount is {$1500.00} and it states the amount now owed is {$1900.00}. This account stated on the XXXX reports say the account was opened on XX/XX/XXXX but then states last reported was XX/XX/XXXX. However, because I disputed this account it has been reactivated the reporting as XX/XX/XXXX. No reporting had happened for over 2 years on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One amount was for {$1700.00} showing up on my credit report as account XXXX and another for {$590.00} showing on my credit report as account number XXXX. I sent out letters to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I receive reveal personal and medical information about me. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: All XXXX credit bureaus, Equifax, XXXX, and XXXX are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated from XXXX XXXX XXXX in 2010 and was very overwhelmed with the cost of my tuition I have to pay back. I tried asking for more explanation about the details of the loan and program I was going in for but never gotten the help from anyone. 
At first, I just wanted to visit XXXX XXXX since it is closer to my home and schedule can be very flexible, that day I felt like I was pressured to stay and enroll right away, they asked me to fill out loan applications and different paper form. 

Now that I am planning on continuing with my education I was told that all my credits from XXXX XXXX XXXX can not be transferred so now I am stuck, I know for sure I will never go back there because of the money they charge me. None of these information was given to me when I first applied. 

**We were un aware that they will have a loan under my name and under my step dad 's name until all this migration from XXXX to Navient happened not too long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (MO).
Issue: Unauthorized transactions or other transaction problem

Complaint: PayPal allowed XXXX to withdrew my funds which I did n't authorize. I never received item back and PayPal just took my money fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Out of the XXXX major credit reporting agencies, TransUnion is the only agency that is reporting erroneous information in which I am complaining about. Report date XXXX/XXXX/15, file number XXXX, with this file number TransUnion has my report split into XXXX sections. First, it has page XXXX of XXXX, with page XXXX listing my reported name as XXXX XXXX XXXX XXXX, see my attached scan copy of my original social security card, it only has XXXX XXXX XXXX. Than, TransUnion, has a second part of the report page XXXX of XXXX, with page XXXX listing reported name as XXXX XXXX XXXX. Also, TransUnion has XXXX different reported phone numbers listed for me- most of these numbers are not even recognizable to me.

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 04/30/2015 about Credit card () with WELLS FARGO & COMPANY (DC).
Issue: Rewards

Complaint: Wells Fargo 's informed me that they made a " business decision '' to close some of my accounts. I have numerous concerns related to the accounts which are slated for closure, with that said : Since Wells Fargo has determined to close my cash back visa signature card account through no fault of my own, I am left with serious concerns that my pending cash rewards will be forfeited & that my rights related to the Fair Credit Reporting Act have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have fraud protection with bank of America. I had two things they wrongfully denied. I had {$200.00} counterfeit merchandise I received from XXXX in XX/XX/XXXX and they refused to cover it and wanted me to send back the items even though it is a federal offense to mail counterfeit items through the mail. I then attempted to get return labels through the seller and was refused thand told to go through the bank since I filed a dispute. They still refused to cover it. 

I also had someone get a travel account with my debit card and email address and booked a room in FL. My card was fraudently charged {$180.00} and they also refused to cover that. This was in XX/XX/XXXX. 

After they took the charges back out of my account, i had numerous overdraft fees. This all caused my car ins to be cancelled. It 's caused me a mess and only from trying to protect my funds I work hard for. I lost almost 400 plus all the overdraft fees since I had to stop using my account. I do n't want this on my credit and I need the fraudulent charges put back in my account and all of the overdraft fees. I have also filed a complaint with fdic, ftd, and bbb. I need some help because they are refusing to help me.

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 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I contacted Experian on or about XX/XX/2016 letting them know I had been a victim of identity theft and there were several items on my credit report that were a direct result of identity theft and that Experian needs to delete these items immediately. After several letters of communication with Experian they sent me an updated report with the necessary changes and items that were deleted from my credit report. Shortly afterwards on or about XX/XX/2016 I reviewed my credit report and to my surprise these accounts that Experian had deleted were reinserted back on my credit report without any notice. According to the FCRA section 611, Procedure in case of disputed accuracy ( 15 U.S.C 1681i ) Experian has to give me prior notification in writing that items will be reinserted. I did n't receive any notice. I reserve the right to seek legal council and file a civil suit according to the provisions of the FCRA 1681s-2 ( b ) The items Experian reinserted that need to be deleted permanently are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX, 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 non-monetary relief
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have contact this company before stating I have no valid contract with them. They sold my debt to another company. I have contacted this company and disputed the debt. I have no valid contract with them. Please cease and desist all contact. Please remove all falsely reported information off my credit reports. Please do not sell this debt for something you have no valid contract on. This is in no way saying I owe this debt.

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 08/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: DOB : XX/XX/XXXXSSN : XXXXFile # XXXXDear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Account XXXXPlease block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I received letters covering various bank accounts at PNC bank informing me that after over 30 plus years as a loyal customer that they were closing all my accounts, checking, savings, money market, and credit card. Reason for the closures was not given but I assume it is the result of felony guilty pleas in Federal Court in XXXX. PNC in late XXXX sent out the letters closing my accounts creating much XXXX as I was then forced to open new accounts with another institution.Why did they wait 7 years AFTER the plea to address their concerns? Please help me understand why they are permitted to take this type action. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Medical) with Rash Curtis and Associates (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has XXXX 3 ) accounts on my credit report -- XXXX, XXXX, XXXX believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of these accounts from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Debt collection (I do not know) with NPS GROUP (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a Robo call from XXXX - upon picking up the phone, a pre recorded message said " Hello, this message is solely intended for ( My Name ) if you are not ( my name ) please disregard this message. Please call XXXX using Reference no. XXXX. Please press 1 to be connected to a representative. When pressing 1, the phone makes an outbound ring, and a operator picks up. Upon giving them the Reference no. they stated that I owed on a claim. Jokingly I stated - Claim..? What kind? Insurance claim? ... They stated No - a law suit and that the complainant wanted to settle out of court on a payday loan in the amount of {$510.00} - I stated that I have never taken out a payday loan.. They then began threatening court proceedings and that I could tell my story to the judge. - Now of course, I do n't and never have taken out a payday loan. After they hang up on you, they appear to block you from calling back. When I called the number back ( including changing the last XXXX digits of the XXXX number, the call goes directly to a voicemail answering service ). 

During the conversations, I asked who the origination complainant was ... They stated " XXXX '' - Prior to XXXX XXXX, when calling the number, Operators would answer as NPS then give a name ... After XXXX XXXX, the calls switched to foreign accents. The voicemail recordings state that the company is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed inquiries on my Equifax credit report that I did not recognize, after I made Equifax aware that the inquiries were not mine. I also let them know that I had disputed the inquiries with the companies that requested them and they were not able to produce any applications signed or otherwise proving that they had written consent to access my credit report. The supervisor I spoke to, XXXX, flat out REFUSED to investigate or initiate a dispute for any inquiry. There are over XXXX inquiries on my report that I did not authorize from companies I have not even heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Cash advance

Complaint: I have had a credit card with Chase for 6 years, I have been current with this. Early on I took out a cash advance of around {$3500.00} Although I have paid on this card on time every month my cash advance balance keeps rising. The card APR is 4 % but the cash APR is 19 %. Non of my payments have been applied to my cash advance balance and the high interest is added to the cash advance amount. So although the card is being paid down, the cash advance is now over {$6000.00}. I contacted the bank and they said that the lowest interest rate is paid first and interest on the cash advance portion will keep being added to the cash advance portion until the low rate balance is paid. My low rate balance is {$10000.00}. How can this be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: american express claims that the charges on my statement that ive disputed were valid which is a lie.i have never made these purchases.they are fraudulent imam not paying for something that ive never ordered.i demand that american express investigates and credits my account or i am going to FILE a complaint with the FTC and the Better Business Bureau.

Company response to consumer: Closed with explanation