milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NJ).
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: XXXX XXXX/syncb XXXX XXXX XXXX XXXX, Fl. XXXX first after applying for what was suppose be a XXXX pay pal extra earning 2 % interest points for purchases anywhere.. the company sent me instead late fees and no interests for purchases on late mailed paper statement.. i phoned their only customer phone support provided on credit card and statement,, the auto directory was too long for wait and took hours to finally speak to complain about the issue,, which was after suppose to have been resolved according to the full payment minus the late fees and penalties associated and what was agreed would be deducted from the total due.. in which turned out not to be the case as they have continued to send me late fee charges after the fact the representatives were suppose to have waived the extra penalty fees.. note..this bank only phone support connects to ( customer support connects outside USA not in USA ) now they harass me both text phone and by mail.. i want to file a complaint and warn others of this scandal PayPal MasterCard extras scandal,, i terminated the account but they wo n't and continue harassing 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 monetary relief
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: One day, when logging into my account, I noticed that there were quite a few fees charged for " non chase ATM fee - Inq ''. I immediately thought that this was strange as I have the chase app on my phone as well as online access to check my account. I would never need to check my balance at an ATM. I called Chase and let them know that I did not do this and they agreed to refund the fees. Then, a few days later, I noticed that there were even more fees and also ATM withdrawals from my account that I did not initiate. I believe that my debit card must have been skimmed at some point and the thief 's were checking my account balance so that they could withdraw funds. I immediately called Chase and let them know that my debit card had been frauded and filed a claim to get my funds back. Initially, Chase refunded the withdrawals and fees that were taken out of my account. However, about a week or so later, I received communication from Chase that my claim was being denied and that they were reversing the refund of the disputed transactions. I called Chase to find out why this was being denied and to try and file an appeal. They stated that since I had logged into my account the day the original fraudulent transaction occurred, and did n't report it immediately, that they consider the withdrawals correct and made by me. This is ridiculous! Many times such things as withdrawals or charges do n't show up online until the next day! I spoke with a supervisor at Chase and they told me the same thing, the withdrawals were considered " correct '' and done by me because I logged into my account that day. I asked the supervisor to please provide me with the locations of the withdrawals and to provide pictures from the ATM showing the person who was making the withdrawal. I was told that Chase would not release that information to me and to file a police report and have the police contact them for this information. I used some profanity and told the supervisor that Chase were criminals. I then went to the police to file a report and was told they do n't deal with things such as this as it was under a {$10000.00} claim. Now I 'm stuck without any other options pursue to somehow get this resolved and do n't know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-08-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am buying a home with the closing scheduled for XXXX XXXX, XX/XX/XXXX. When my loan officer recently tried to access my credit report info with XXXX and Equifax, he found that I was classified as DECEASED on XXXX agencies ' records. This apparently happened when XXXX Bank reported my husband 's death in mid XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both XXXX and Equifax indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. XXXX agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Payday loan () with Delbert Services (FL).
Issue: Can't contact lender

Complaint: Lender is contacting my husband, in laws and other people and discussing information about said debt, yet has not mailed a notice or even left a message on my phone. I am being told they are preparing to sue me, yet I have no notice as to what the debt is.

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 03/19/2018 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Struggling to pay mortgage

Complaint: At the conciliation court conference on XX/XX/XXXX, lenders counsel confirmed that a TPP had been offered and verbally reported that they amount due is {$560.00} due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but did not mention needing a signed returned agreement. On XX/XX/XXXX, the homeowner received a billing statement from Ocwen dated XX/XX/XXXX, confirming the amount of the TPP : {$560.00}. Timely payments were made XX/XX/XXXX & XX/XX/XXXX. They were accepted by Ocwen and as of this date have not been returned to the homeowner. On XX/XX/XXXX, an email attachment with a letter from Ocwen was received by the housing counselor ( sent from lenders counsel ) stating that the modification offer was not forthcoming and was being cancelled/denied because the homeowner had not returned a signed copy of the TPP offer. However, the homeowner had never received a detailed TPP offer packet. She was not given a copy of the TPP offer until XX/XX/XXXX via email from lenders counsel. *HOMEOWNER HAS NEVER RECEIVED THIS OFFER BY MAIL* The homeowner immediately signed and returned the TPP offer, but at the conciliation court conference on XX/XX/XXXX, the homeowner was told by lenders counsel ( after mistakenly telling her that shed been denied for missed TPP payments ) that she would have to reapply for another TPP. Ocwens counsel reported that Ocwen would keep the submitted TPP payments and apply them to the delinquency but not modify the mortgage.

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 01-01-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Other

Complaint: Banamex USA cancelled my credit card number XXXX XXXX XXXX XXXX on XXXX 2015, I reported the issue with CFPB XXXX and did not get a solution to my problem. After that I decided to apply for a credit card in another bank and it appears that my credit report does not include my Banamex USA credit history. I sent a request to Banamex USA to correct this on XXXX/XXXX/2015 and they responded that they could not. 
I need my credit history with Banamex USA to be included on my credit report, my social security number is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: Here is a copy of the complaint mailed to Capital One. 

On XXXX/XXXX/16 I disputed my charge with XXXX XXXX XXXX. I received two secure messages regarding the dispute, almost immediately. Printed copies are enclosed. 
On XXXX/XXXX/16, I received another secure message advising, verbatim - Unless the merchant resubmits the charge within 45 days of the date of this letter, we consider your case closed. If this occurs, we 'll notify you and may re-bill your account for the amount of the credit. Please keep all documentation related to this dispute for 90 days. Again, a printed copy is enclosed. 
On XXXX/XXXX/16, we received another message, stating that the merchant resubmitted the charge, with proof. Here is where the problems arise. 
XXXX/XXXX/16 through XXXX/XXXX/16 is 73 days. 52 Business days. This was WELL beyond the 45 days, so I initiated an online chat on XXXX/XXXX/16 to find out why. I chatted with XXXX. I asked outright - what date did the merchant rebill the charge. He said I was rebilled on XXXX/XXXX/16. I reiterated, asking if XXXX/XXXX/16 was the actual date. He said yes. I explained the issue. With that, the chat ended fairly quickly - printed copy enclosed. 
On XXXX/XXXX/16 I received mailed letter of documentation from Capital one. All correspondence is dated XXXX postage stamp is dated XXXX/XXXX/16. Unfortunately, the rebuttal from XXXX XXXX XXXX is all dated XXXX/XXXX/16. 
I was advised, as written above, if this occurs, we 'll notify you and may re-bill your account for the amount of the credit. 
Is your turn around time normally 63 days, 45 working days from the merchant 's response? Is that how it works? If so, why do you claim 45 days from date of this letter?

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-06-2017 about Debt collection (Non-federal student loan) with AES/PHEAA (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I filed a complaint and received my response. In it included only XXXX photo verification of a returned cash check of the loans they claim they owe. There are XXXX total loans. I would like to know why I only received a photo of XXXX of the cashed returned checks on the loans. I would like to receive the other XXXX to verify that this is legitimate. I dont understand why they would not include all XXXX to begin with. I am very concerned that all of these loans are not legit and that I never cashed the checks for them in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with Enova International, Inc. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Net Credit on XXXX XXXX 2017. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. calls on XXXX XXXX 2017 @ XXXX XXXX XXXX 2017 @ XXXX XXXX XXXX @ XXXX XXXX XXXX @ XXXX Emails to date on XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017 XXXX XXXX 2017

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Mortgage gives you a grace period on your mortgage payments before the late fee is charged. However, if its not paid on the first they report it to all XXXX credit agencies as LATE, this is causing problems because I keep getting DENIED when I apply to refinance my current mortgage ... ... Can I bring legal actions??

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 11-01-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (IN).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX, I submitted to the lender a package for loan modification. A few days later they said the package was complete and that the file was in underwriting. On XX/XX/XXXX I get an approval for a repayment plan from this lender and I get very upset because there is no way with my income that I could even come close to paying it. They want almost {$5000.00} up front which I do n't have, then my payments would be {$1400.00} per month. I have attached this approval which also states they did not review for anything else. I have also attached the same package I applied with so you can see how ridiculous this is. My gross income is {$2000.00} and Net is {$1500.00}. Even with my current mortgage payment of {$900.00}, I am at a deficit every month so how would I pay that much? I called the lender and explained this to them and this lady XXXX ID # XXXX told me that I should just get out of my house them and let them take it. Please help me with this, this lender is purposely doing this to take my home and they are not shy about saying it over the phone to me. I do not qualify for a repayment plan however I do qualify for a loan modification which this attached approval letter clearly shows they did n't even review for even though there is no way my income supports a repayment plan. Also, I did not receive the approval letter until mid- XX/XX/XXXX and it gave me until XX/XX/XXXX to appeal. This letter should have been mailed to immediately when they made the decision on XX/XX/XXXX not half a month later to take away my appeal period. I did appeal it on XX/XX/XXXX but today they stated I did not send them the appeal and it 's too late. This lender is playing games with my life and home and I need the CFPB to help because they are breaking all lender laws.

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 02-04-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX, XXXX, CA XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX MEDICAL XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX THIS IS NOT MY ADRESS XXXX, XXXX FL XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY XXXX ADDRESS : XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY ADRESS TO XXXX XXXX, FL XXXX I BEEN LIVING THERE SINCE XX/XX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within XXXX business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA XXXX ( b ), XXXX U.S.C. XXXX XXXX ( b ) XXXX. A. Blocking Information in Credit Reports under XXXX and XXXX ( a ) ( XXXX ) Under section XXXX of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt XXXX, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax hack is why I 'm filing a complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is reporting a tax lien that does not belong 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 03-10-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I pay XXXX XXXX for my old Walmart account in the amount of {$400.00} on XX/XX/2018 they reported to my credit bureau that I only made a payment of {$400.00} towards my debt when I called and spoke with the manager she assured me that they were going to correct this matter she also email me a settlement letter stating I paid this off now today on my credit report it has went down tremendously 21 points stating that I still owe the debt for the full {$780.00} so it has stated that my debt has increased by {$400.00} by this company when I call back today to speak with someone they tell me that my account has been transferred to the dispute department and that's who places on my credit report and it's nothing I can do about it even though I paid this I'm trying to purchase a home in this is really hendering my credit

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 09-02-2015 about Debt collection (Payday loan) with MNE Services, Inc (MN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX and XXXX XXXX who I believe to be the same person have called my place of employment attempting to collect a debt for a pay day loan. They call about every XXXX minutes. Calls started on XX/XX/XXXX. I have informed them that i did not receive a payday loan and yet they continue to call and harass me and my coworkers. After reviewing my bank statements from XX/XX/XXXX, I did not receive a paydayloan. it is possible that I applied for one.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with D&A Services, LLC (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: XX/XX/XXXX Attempted contact via employer XX/XX/XXXX Call and informed not to contact at work that it is not permitted by employer to receive personal and other non-work related calls XX/XX/XXXX Attempted contact via employer despite instruction not to contact me at work

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Problems caused by my funds being low

Complaint: I was trying to transfer money between my checking account and another account with Capital One. When I logged in, I found that ALL of my accounts were blocked. This included XXXX savings account, XXXX checking account and XXXX saver accounts for my children. This nightmare started on Wednesday XXXX XXXX. When I called I was told there was possible fraud on the accounts, and that there was an 30 minute wait time to speak with someone. I called back later, waited over an hour. When I finally spoke to someone they told me that all my accounts needed to remain frozen pending investigation. I finally spoke to an " investigator '' late the following day. Who told me that she would still not be able to unlock my accounts ( mind you ALL my money was at Cap One ). I finally called back on Friday to fins out the investigation was complete and there was no outcome. But at this time, I was told that all new accounts needed to be set up ... which STILL left me without any access to MY money. Funny, when my direct deposit was done on XXXX, Cap One allowed that transaction to go through. I was told on Friday when the new accounts were set up, it was not possible to overnight my new cards to me. It was not until XXXX that I finally got cards to access my accounts. I was told several times that I could travel over an hour to a branch to access the funds, but as a single mom working full-time, this was not an option. I am not sure how it is legal to keep someone from their money. When the new accounts were set up there was no linkage between the old and the new. This means that all my payments and checks written were not honored by Cap One, even though I had plenty of funds to cover. In addition, I was charged NSF fees!

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Mother used my credit for multiple things thats I did not approve and I can not get someone to take them off.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian has refused to update my personal information correctly several times. I have sent numerous letters asking them to correct my information. They just keep saying verified. Verified with who??? Here is my Identification with my proper address. I told them I never lived at the address they are reporting. They said the creditors are reporting this. The creditors " reporting '' this address is the account opened by the identity thief. Attached is my proper Identification and address. I would like my correct address displayed properly on this credit report and not this fraudulent address.

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