milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (KY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been trying to enter an income-based repayment plan, however most of my online request forms have been ignored and 2 of them have been put on hold. One of the emails said the request was put on hold until closer to the end of my grace period, however while I 'm in my grace period interest is still accruing and I therefore want to start making payments as soon as possible. I have tried emailing them several times about the issue with no response. Thus I am being forced to make payments outside of a payment plan ( which wo n't go towards my public service loan forgiveness ) in order to prevent any additional interest build-up.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
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: I have had four disputes with Synchrony regarding a delivery of appliances that was delivered and then taken back by the delivery company due to my frustration that they did not have the entire appliance order that I made. Synchrony has had four chances to resolve the dispute and they have not undertaken a full investigation and solely relied on mistruths by XXXX  that the delivery company " delivered '' the appliances. Yes, they delivered them, and then they took them back.

I was in touch with the President 's offices of Synchrony, XXXX XXXX, and he has not initiated communication at all other than an introductory email. Synchony, as is typical, has not notified me in a timely manner as to the dispute resolution.

Attached find a chat I undertook with Synchrony to find out the dispute resolution as Synchrony has not notified me of their " resolution ''.

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 05/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I get an inquiries in my credit report for a company I do n't know. I request this inquiries to be removed from Transunion immediately. XXXX XXXX is not a company I know.

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 03-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Pinnacle Credit Services LLC is attempting to collect a debt that was settled over 2 years ago. they continue to call me at work even after I have asked them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Continental Finance Company, LLC (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The announced herself as representer from the legal office of XXXX XXXX calling from ( XXXX ) XXXX and that were had begun to prepare legal document to sue me in court regarding a {$500.00} debt with Mid Atlantic credit card. However the particular account she was referencing has been discharge by the company more than a year ago.

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 05/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On X/XX/17 I attempted to withdraw {$80.00} cash from a XXXX XXXX ATM machine in XXXX, NY. When the machine did not dispense the cash and the transaction showed as completed, I immediately asked for the store manager for help.
The manager instructed me to call my bank as the issue had been happening for months according to her without any repairs or resolution. I asked why they had n't put a sign up or called for a repair and could not receive an answer. I immediately called my bank, JP Morgan Chase and put in a dispute/claim for this transaction gone wrong. They informed me they would look into it and provided me a temporary credit of {$81.00} including the ATM fee. On XX/XX/XXXX, the credit was reversed and I was recharged for {$81.00}. Once I noticed this, I called Chase to inquire and was told that the ATM vendor records claim that the money was dispensed and so my claim was cancelled. They claimed to me that they were not shown any proof of this or any logs as well. Furthermore the claims agents were not able to provide me with a phone number to try to dispute directly with the XXXX 's ATM vendor. At this point, I do not know how to contact them and get this resolved. I have been robbed of {$81.00} and I can imagine how many others have been as well. The fact that this ATM charges a nominal fee also means that many low-income people who live nearby or frequent the chain store are being robbed is alarming. I request the help of CFPB and hope there can be positive resolution not just for me but for the others that may not have been helped. This may also be a scam location that noone is aware of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax discovered in XXXX XXXX that they were subject to a data breach starting in XXXX XXXX but did not report it to consumers until XXXX XXXX. This subjected consumers to a security risk that they have been unable to do anything to mitigate. 

On top of that senior executives in the company have suffered no losses because they have cashed out before the announcement. This represents unfair trading practices. 

Third, they are offering a service in relation to the hack which requires users signing up to waive their ability to participate in a class action lawsuit. This is a move designed to protect the company and not the consumer, the true victim of the data breach. 

These moves demonstrate a reckless and negligent attitude toward managing sensitive data.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: OnXX/XX/XXXX, my family and I were stopped in a rest area in Connecticut when we were on our way home to Maine when I was accidentally stuck with an epi-pen. An ambulance transported me to a local hospital where I was examined and released. Later, I received a bill from a California company ( XXXX XXXX XXXX ) for the ambulance ride which was close to a thousand dollars. I hesitated to pay the bill. I was contacted by a credit collection agency. They settled the bill for a smaller amount, which I paid, believing the matter was closed. Subsequently, I heard from another debt collection agency, which may have been Phoenix Financial Services LLC but I do n't recall. I contacted them via telephone and told the agent that I had already paid the debt through another debt collection agency, therefore the information regarding my alleged debt had likely been fraudulently proffered to them, and I heard no more about it. This XXXX was when I received written communication from Phoenix Financial Services LLC, representing XXXX XXXX XXXX XXXX who evidently are located in Virginia but also have an office address in XXXX XXXX, New York, which was on the back of their payment demand. The BBB has collected numerous complaints about them. I have listed some of their addresses below, which I found on the internet. XXXX XXXX XXXX XXXX 7 years in business XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX And : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia ( XXXX ) XXXX Phoenix Financial Services LLC is asking me to pay them {$XXXX} which is likely the original bill for the ambulance. They have sent me two paper debt collection letters, one in XXXX and the most recent this XXXX. I have been combing over my bank statements to find the original debit of payment which I likely made some time between XXXX and XXXX, but have not found it yet. It was a debit/credit card payment which I made over the phone, which I suspected was with someone beyond the continental U.S. due to his accent. Thank you for your assistance and support in this matter. Yours truly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with AMERICAN EXPRESS COMPANY ().
Issue: Other

Complaint: On XX/XX/XXXX I had over XXXX worth of XXXX on my AMEX account. On the same day AMEX took an unathorized payment of XXXX to pay off the fraud balance. This was withdrawn electronically from my bank account. I have been trying since XX/XX/XXXX to receive the money back. AMEX will not refund it via ACH since it is not XXXX XXXX. It is now XX/XX/XXXX and they still have not refunded teh money, continue to have my address wrong, I live in the XXXX, and have been Not find a solution. This was an unauthorized drafting of funds acknoweldge by them but they will not refund the money so I can get it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing was our mortgage service provider. Our home was foreclosed on in XXXX of XXXX and we moved out of the property shortly thereafter. There was a XXXX mortgage on the property which was NOT discharged with the foreclosure. Even though we do NOT own the property and do NOT live at the property, we continued to pay monthly on this XXXX mortgage. If we did n't pay the XXXX mortgage, our credit would be adversely affected Sometime in XXXX of XXXX, Ocwen mistakenly added an ESCROW charge to this account ( XXXX ). I noticed it when I paid the monthly payment in XXXX. I called Ocwen and spoke with a number of people, none of whom could quite understand what had happened or why, and were not really able to help with this bizarre situation. The issue was sent to a special department for action. 
Of course, the next thing that Ocwen decided to do, was to perform 'property inspections ' and a 'property valuation ', all to the tune of {$380.00}. Since the property was foreclosed on and we no longer own the property, it should certainly not be possible to charge us with property inspection and property valuation fees ; but they have. This is VERY typical of Ocwen and a few other service providers. They make a great deal of 'profit ' in assessing fictitious and, possibly, illegal fees. 
I am asking that Ocwen REMOVE these fees from our account immediately ( {$380.00} ). I have spoken to at least five separate representatives at Ocwen, and all I get are platitudes and promises to fix the situation. It is now over one year and these fees are STILL on the account. Bravo, Ocwen ... you folks are truly the worst of the worst. 
The charges that I expect to be removed from our account are listed below : Property Inspection Fee {$26.00} Property Valuation Expense {$290.00} Certified Mail Cost {$13.00} Late Charge Due {$55.00} ( caused by their 'escrow ' mistake ) TOTAL : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: I deposited a check {$5800.00} check into my Bank of America account on XX/XX/XXXX its XX/XX/XXXX and they cant tell me where my funds are and they blocked my account. It is theft. I call them and they transfer me to a person that transfers me to another person and the next. How does this bank get away with this?

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 05-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (VA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Chase Ban k USA N.A.  has made credit inquiries against my account o n 4 diffe rent dates and has opened an  AMAZON.COM Visa Signature credit card in my name, on the last credit pull, I was sent a letter stating they received an ap plication and needed more information about my income and financial obligations to make a decision.     The dates my credit were pulled are :  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I contacted  Chase  at the number provided on the letters and/or credit card sent and notified them that this was not a valid application.     On the first  three  dates  XXXX   XXXX  -  XXXX   XXXX ,  Chase  recorded a fraud investigation and determined that the application was fraudulent but would not tell me where the application came from, I notified my credit bureau 's each time. I requested each time that my name be included as having fraudulent activity request and to be excluded from any credit inquiries and was assured they had marked these as fraudulent.     I am in the process of contacting  Chase  for the last letter received from the  XXXX   XXXX ,  XXXX  inquiry.     I feel that  Chase  is knowingly and unethically phishing for customer accounts by using existing information they have about their customers to obtain new accounts.     I have had a  Chase   Freedom  card for over 3 years and feel that my information was obtained from my existing account.     I want to determine how I can stop this activity without having to freeze my credit in which there is a fee to freeze and unfreeze my account. This has also caused unnecessary activity on my credit reports.     Chase should stop this " phishing '' activity, it is obvious they are using existing customer information as it has been determined that the information was not an external request for credit.     My credit accounts have been marked with fraudulent activity from Chase but somehow they are still able to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am disputing an account/collection that was opened in  XXXX  of  2016 with a  company known as    Convergent Outsourcing. Th ey are claiming that I owe the amount of {$670.00} for which I have no knowledge of.

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 04-03-2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Upon purchasing my home, I set up an escrow account to handle the taxes and insurance. Based on previous tax information available to me and the Stearns Lending, I was able to tell they were not taking out enough money to cover the taxes. I phoned them about the issue and they assured me they were taking out enough but they would reassess within 90 days. At 90 days I called back still sure they were n't withdrawing enough money and was again assured they were. I specifically stated my concern that I would recieve a large bill if they did n't take out enough and they assured me they were. A few months later, after a disbursement, they even reduced the payment by a small amount. This month I received XXXX tax bill or a {$1500.00} increase on my monthly payment because for the past 15 months, they have n't taken enough out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XX/XX/XXXX Spoke to a rep about high interest rates and minimum balance fees.

XX/XX/XXXX noticed discrepancies with my account..

this problem has been on going for months..

back-end system manipulated fees being charged to accounts.. later embedded as " interest fees '' the numbers just do n't add up!! and someone is walking away with tons of $ $ $ $ $

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a victim of a predatory mortgage lender. Since XXXX, I have tried to refinance my 7.99 % ARM and 11.99 % fix mortgage with HSBC with no luck. We are upside down mainly because of the high interest rate on the XXXX XXXX and peanuts have gone toward principal the past 10 years. ( Refinanced with them in XXXX. ) Adding just interest since XXXX, over {$150000.00} has been paid to this company already but that 's still not enough. ( To put things in perspective, our home was purchased {$150000.00}. ) Because we are not a FFA loan and we are upside down, no other lenders or programs helps us or wants to take on the fight with HSBC. ( And we have tried several attempts over the years. ) We are two months behind and requesting HSBC work with us now. The only response we have received past years is a few months modification and we are returned back to the outrageous loan regulations. HSBC states : " We do not refinance, only can offer temporary modifications. '' Today, the response from HSBC states our only options are a short sale or foreclosure. We do not want to lose our home, we just want an affordable home monthly mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (I do not know) with McCarthy, Burgess & Wolff, Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The collector has called several times per day and left messages for approximately one week. On XXXX/XXXX/2015 they called my wife 's cell phone, she asked for the debtor 's name and they refused to tell her. Today I called back and left a message, soon after the collector called me back. At that time he refused to tell me who I owed the debt to until I gave him more personal information. I refused and said who do I owe the debt to and he refused to tell me. 

To date we have not received any validation notice as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: For the past year I 've been going back and forth with this company and Transunion is the only company left that is keeping this FRAUD on my credit report.   I also have proof that I contacted transunion about the dispute on   XXXX   XXXX   XXXX  and it is now   XXXX   XXXX  , yet I still have no word from them????   So this is addressed toward   XXXX   XXXX   and  National Credit System Dispute   Letter of da te you sent in first or subsequent requests This letter is a formal notice that you have failed to respond to my dispute on (  XXXX  ).   As you are well aware, federal law requires you to respond within 30 days. It has now been over that period. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act an d may be i nvestigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you.     I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request ....     The following information therefore needs to be verified and deleted from the report as soon as possible :  NATIONAL CREDIT SYSTEMS  - #  XXXX  Status in Collection :  XXXX  Please delete this erroneous item from my credit report as soon as possible.     You guys are also false reporting on my   XXXX   XXXX   Account by reporting that I have missed several payments. However this is not true at all.       XXXX   XXXX   XXXX   XXXX   Account Type Credit Card Account Status Closed - Paid and Closed Opened Date   XXXX   XXXX   XXXX     Closed Date   XXXX   XXXX   XXXX     That 's the actual REAL information that you 're holding out against me.         Sincerely,   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against DIVERSIFIED for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with non-monetary relief