milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NC).
Issue: Trouble during payment process

Complaint: Background : I went thru bankruptcy, filed XX/XX/XXXX, and have made regular payments on the Subject property mortgage since the bankruptcy plan was accepted. Selene Finance is violating the Bankruptcy Plan in law and in intent by claiming back payments immediately due. I have worked hard to come back from bankruptcy. I have worked hard rebuilding my credit, by making one regular on-time payment at a time, over the past 8 years. Selene Finance took over this loan within the past few weeks. After years of making regular payments, and within weeks of taking over the loan, Selene is making an outrageous claim. Selene is claiming 16 months of back payments, for a total of {$16000.00}, due immediately. Both previous mortgage servicers, XXXX and XXXX, did not make this claim for back payments. On XX/XX/XXXX, Selene Finance immediately refused to talk with me after I accepted their request to record, and I reciprocally asked their permission to record the call. If this was all above-board, then recording should be acceptable. By emphatically and immediately discontinuing the conversation, one is led to believe Selene Finance is acting in ways that they would not want recorded. Selene Finance has already sent ( 2 ) notices offering help to avoid foreclosure, offering Deed-in-lieu, short sale, and other options. If these notices are not required by law for a new servicer, to a debtor with on-time payments, then I consider them financial bullying. Selene Finances actions are causing immediate harm in legal fees, and time spent dealing with this issue, which has not been an issue for the past 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a XXXX XXXX item on my Transunion and XXXX credit reports listed as " charged off as bad debt '' and showing a balance of {$280.00} and past due of {$100.00}. This account went into default in 2000, date of last payment is XXXX XXXX, 2000. There has not been any activity on this account since 2000 which far exceeds the 7 year reporting period. I have disputed this account with both credit reporting agencies and both come back with no explanation except that it a valid account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I was the victim of credit card fraud when I received 4 unsolicited and unauthorized CareCredit cards in the mail and charges were already made to the card in the amount of {$18000.00}. Synchrony Bank did not exercise reasonable care in issuing the cards or authorizing the charges. I also believe that Sychrony Bank and/or JC Penney had a breach that they have not reported to the public ( since that is the only other business I had with them ). 

On XX/XX/XXXX, I received 4 unsolicited credit cards at my home address, one issued in my name, the other 3 issued in the names of 3 other people I do not know and who do not live at my address ( each one had a different last name and none were the same as mine ). On the same day, I received a letter from Synchrony Bank advising of potentially unauthorized charges on these cards. They also advised that because I have a JC Penney card, I " do business '' with Synchrony Bank. During the call, I closed and blocked the unauthorized credit cards and my JC Penney card. 

On XX/XX/XXXX, I called Synchrony Bank and advised that I did not apply for or authorize these cards. I was advised that charges in the amount of {$18000.00} had already occurred on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ( before I received the cards or notification of unauthorized fraud ). 

Synchrony Bank was negligent in issuing unauthorized cards they did not verify and in allowing unauthorized charges on the cards ( especially since the charges were made without having the cards in hand and without direct authorization from me. I also believe JC Penney and/or Synchrony Bank had a breach of personal information since that is the only other business I had with 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 explanation
Consumer complaint received 02/23/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Rewards

Complaint: On or around XXXX of XXXX I was conducting some regular banking at my Citibank branch on XXXX XXXX in New York. The branch manager recommended a credit card to me that call " double cash ''. His sales pitch was that I would receive 1 % cash back on all purchases at the time of purchase AND I would receive 1 % cash back at the time I paid my credit card bill. After six months of using this credit card I had built up, accounrding to my statement, a rewards point balance of approximately XXXX points with a cash value of around XXXX dollars. On or around XXXX of XXXX my card suddenly stopped working. After calling the bank I was told my account had been closed. No reason was provided. When I asked about the XXXX dollars I was owed I was told I was ineligible because the account was closed! This bank should be allowed to close any account they want. That is their right under the agreement. They should, however, be compelled to pay any money owed to me under the agreement.

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 03-03-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: I was scammed into giving XXXX to a man who stated he did investments He has since not kept his promises. 1 month ago he told me he was going to block my account and I will not get my money back. I posted XXXX with XXXX different banks and this XXXX bank refuses to help me because they said I gave my card number out. I used it as a credit card so I would have the protection but the bank is declining even looking into it. I do have a lot of documentation as well as the other bank processed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I had a Prepaid American Express SERVE Card which was originally for a mobile wallet. I have n't used it in a year and in XXXX received an e-mail my balance was {$0.00}. and fee could n't be taken in full. I was unaware of any fee. I check and there was a lot of fraud transactions between my XXXX XXXX, XXXX statement and the XXXX/XXXX/XXXX statement. The balance had been around $ XXXX. I called and explained every transaction was fraud. He offered {$9.00}. back out of my {$57.00}. After many reps and their fraud dept. they started giving me credits well above my original balance. I tried to explain it was too much and just wanted my original balance back. I closed the acct and they refunded the high amount of {$85.00}. Now I get an email saying I have a negative balance, so I call and they want {$79.00} back. So now that leaves me {$5.00} credit from my original {$57.00}. 
I ca n't access online statements anymore and their customer service claims they have no access to anything before XXXX/XXXX/XXXX, so they ca n't see my XXXX/XXXX/XXXX balance and ca n't refund me any money. So basically they refuse to do anything. 
If you go read their Serve XXXX page many people have similar issues and there are many online forums with frustrated customers who ca n't get refunds. I 'm attaching my letter to them which has gone unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Taking out the loan or lease

Complaint: My father ( deceased in XX/XX/XXXX ) leased a XXXX in XXXX XXXX $ XXXX month. Being he was XXXX at the time and in failing health he rarely drove the car.. When he passed away my sister and I went to the dealership and advised them - they did n't know how to address the issue of a deceased customer so they got the lease division on the speaker phone. We were advised 'that for deceased customers ' ( their exact words ) all we were responsible for is the remaining lease payments ( XXXX x XXXX months = {$5300.00} ). They would pick up the car and auction it, and anything received above that would be considered 'a wash '. Fast forward to XX/XX/XXXX - I received a statement from a collection agency that {$5500.00} is due!! They did a calculation based on the residual value of the car - rather than the remaining lease payments. I said to the collection agency- why would I turn the car in, knowing that the final bill would potentially exceed the remaining lease payments? We could have driven the car for XXXX months! Hyundai is 'double dipping ' by selling the car PLUS also billing the estate!!! The collection agency actually told me too much- that they hear this from the families of Hyundai lease customers 'all the time '. The rep tried to retract her wording but it was too late! This company needs be brought to court in a class action suit- telling the families one thing when they know the truth is the complete opposite.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a collection account called " the bureaus '' on my transunion credit file. The bureaus is the owner of a charged off XXXX XXXX retail XXXX XXXX store card. I defaulted on this card XX/XX/XXXX. There is no useful data in the credit file on my transunion credit report that shows me the date of first late payment, the date it was charged off, the amount of time/months the account went without payments. It only shows me the date that the collection account was open with the bureaus in XX/XX/XXXX. The bureaus phone number is not on the credit file as well. If the information for charge off date or dates of non payments are not shown how can i dispute items that are 7 years old and ready to be removed from my transunion credit file? I feel they purposely hide this information so the consumer can not be aware. In order for me to be an educated consumer and exercise my rights I need all information provided to me and not just partial information. There is very little details about " the bureaus '' collection account on my paid service to transunion credit report and I feel all information about this collection account should be revealed to me on my transunion credit report without me contacting the collection company for this basic information about my date of first late payment, the date it was charged off, the amount of time/months the account went without payments.

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 08-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Please be aware for the fraudulent and deceptive advertising business practices of the Bank of America. I did find the promo over the internet for {$400.00} bonus for open up new checking account at Bank Of America and after account was opened, the bank representatives failed to grant {$400.00} bonus for which I was entitled. Many made promises was made at the local branch but the manager but just give up.

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 03/25/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit Card Bill was due on XXXX/XXXX/17. I called into the customer service on XXXX/XXXX/17 and paid the bill over the phone. ( Details of time, person spoke with, and confirmation number given, can be made available, if needed* ) Received bill due XXXX/XXXX/17 and noticed bill from prior month not paid, also included late and interest fees. I called back to customer service ( * ) on XXXX/XXXX/17, explained the prior month and stated I was willing to pay what I owe ( using my original given payment information, on XXXX/XXXX/17 ), not the late and or interest fees, since I paid this on my previous call ( on time ) and received a confirmation number in doing so. I was told I would hear back within 3-4 business days. I then received a letter on XXXX/XXXX/17 ( dated XXXX/XXXX/17, which is 5 business days since my last conversation with customer service on XXXX/XXXX/17, not 3-4 as I was told ), asking for information not pertaining to how my original phone payment was made ( XXXX/XXXX/17 ). 
Due to my work and travel schedule, I returned a call to customer service ( * ) on XXXX/XXXX/17 after receiving bill due XXXX/XXXX/17, balance still not paid, after 2 previous calls and additional late and interest fees. It was at this time where customer service noticed my previous calls, apologized for the error/s on their behalf, paid my bill in full and credited back all additional late, interest fees, etc. DO NOT UNDERSTAND WHY THIS WAS REPORTED ON MY CREDIT REPORT, SINCE IT WAS NO FAULT OF MINE, HOWEVER, I REQUEST THIS REPORT TO BE REMOVED FROM MY CREDIT REPORT, FOR IT IS HURTING MY OVERALL CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: A criminal entity posing as " XXXX '' made inquiry to my TransUnion credit file on XX/XX/XXXX and was given access to my full report. Within the next 30 days, my identity was stolen. I confirmed the fraudulent nature of the fake " XXXX '' credit inquiry with the actual National Coordinator of " XXXX '' on XX/XX/XXXX. On XX/XX/XXXX, I sent a Certified Letter to TransUnion informing them of the Fraudulent Inquiry and provided them with relevant details of the fraud. I also alerted TransUnion to the fact that continuing to provide Subscriber Services and Access to the Fraudulent " XXXX '' entity was putting unknown hundreds, or perhaps thousands, of people at risk of Identity Theft. Finally, I requested TransUnion contact me to discuss the fraudulent inquiry made to my credit file and to receive information from TransUnion regarding the contact information and transaction history with the Fraudulent " XXXX '' entity. 

On XX/XX/XXXX I received a response from TransUnion that was totally unresponsive to the information I had provided or the specific nature of my request ; their reply says only that " the information you disputed does not currently appear on your TransUnion Credit Report ''. I had hoped to receive a response that acknowledges the Breach of Security and unauthorized access to their files so that I could help law enforcement catch the criminal and to prevent others from having their Identities stolen. 

TransUnion 's response is appalling in its arrogance - they did not even respond to my specific request - and is an unacceptable reply in that it shows complete and total disregard for the security of the credit files that is central to their business.

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 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (DC).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Chase failed to fully enroll me in a travel benefit program. When I called to address the issue, Chase told me that I could still pay for the benefits out of pocket ( airport lounge access ) and that they would reimburse me fully. Now, they 're refusing to reimbursement part of the charge. 

Timeline : 1 ) XXXX 2017 : I signed up for the Chase XXXX XXXX card, and enrolled in the XXXX XXXX XXXX  program. Typically membership cards are then mailed to new XXXX members, but none was sent to me ( I did not know to expect this ). 
2 ) XXXX XXXX, 2017 : I attempt to enter a XXXX XXXX lounge with just my Chase card- they explain that I need a different card and that I should talk to Chase. 
3 ) I call Chase at XXXX. The agent re-initiates the delivery of the physical card, and tells me that, in the meantime, I may pay for lounge access at XXXX XXXX lounges, and that Chase will fully reimburse those charges. She says that the policy allows for a single reimbursement per round trip, so if I use lounge access on both legs of the trip, I should wait until they both post before submitting a single reimbursement claim. 
4 ) XXXX XXXX, 2017 : Via secure message, I submit a reimbursement claim to Chase for lounge access for {$69.00} ( {$45.00} on leg 1 and {$24.00} on leg 2 ) 5 ) XXXX XXXX, 2017 : I receive a physical letter from Chase saying that they 've approved the reimbursement of the {$45.00}. No mention of the {$24.00}. 
6 ) XXXX XXXX, 2017 : After several back and forth secure messages, a supervisor tells me that a ) their policy is to reimburse a single charge and they will not reimburse me for the {$24.00}, and b ) they have no record of me having spoken to a Chase agent about this on XXXX XXXX. 

I tried to handle this through Chase but I now feel that they 've intentionally misled me to get me to spend more than I otherwise would. They have records, I do n't understand why they 're unwilling to look at their own data to confirm this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After having multiple inquiries about loan options, I received a copy of my credit report and see that my credit score has dropped severely. At no point in time has anybody representing the company with which I checked about a loan warned me about the negative impact of a simple lookup of credit. I 'm now unable to qualify for a much needed home loan, and I 'm told that it will take at least 2 years to fix this issue. My dispute is that these inquiries were not made in a fair manner and should be removed from my credit history.

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 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XX/XX/2017 I completed and signed Federal Loan Rehabilitation forms with Pioneer Credit Recovery. It stated that my monthly payment amount would be a certain amount, first due on XX/XX/2017 and on the same day of each month thereafter. I made my payment on XX/XX/XXXX and the Pioneer staff told me that the wage garnishment would be stopped ( Pioneer never stopped it ). The wage garnishment did go through twice -- taking a huge amount of money making me unable to pay my rent this month. I called them on XX/XX/2017 and spoke to at least XXXX different Pioneer staff, including a manager, who stated that I was told that the wage garnishment would stop on XX/XX/XXXX and I was " out of luck ''. I spoke to other staff at Pioneer later in the day and all XXXX stated that I was in fact not told that and to call back tomorrow. I called back today, as requested, and the manager was not available. The staff told me to give my call back number and the manager would call me back. I have been lied to and given the run around since XX/XX/XXXX. Please help.

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 11/14/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (MO).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased XXXX XXXX XXXX with {$2000.00} down payment and financing for {$7000.00} from American Credit Acceptance. Due to financial difficulty I could n't keep up the payments. I decided to Voluntary Surrender the car on XXXX XXXX, 2017.
American Credit Acceptance sold the car at Auction for {$2.00} leaving a deficit of {$5000.00} still owed on car. American Credit Acceptance sold the XXXX XXXX XXXX for {$5000.00} under the Fair Market Value of the car. Also American Credit Acceptance did a Charge off for the car so they can Deduct the total cost of {$7000.00} for the car. American Credit Acceptance did n't try to recoup the Fair Market Value of the car.
Therefore I want an investigation into Fraudulent Conduct by this company to try to make Double what they were owed on car.
I want Justice in this matter because they are not only During this Injustice to me but Thousands of other Customers they have and they have been getting away with it.
Waiting to hear from you.
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 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: inquries were removed and re added without notice or reasoning List all inquiry names and dates

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 05/17/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was contacted by a third party trying to obtain a payment for late student loan payments, they offered me a deal if i made XXXX payments of {$400.00} totaling XXXX My balance would go down to {$0.00}. I was under the impression that i owed nothing and that i paid everything off I even receive mail monthly stating i do n't have a balance, but when i go online to look at my credit report i see XXXX loans with a balance of zero that were closed on XXXX/XXXX/XXXX then XXXX loans of the same amount were reopened on XXXX/XXXX/XXXX i 'm confused as to what i actually paid for, i dont have money to just be paying please help.

Company response to consumer: Closed with explanation