milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
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: ON  XXXX   XXXX ,  2017 I P URCHASED AN ITEM FROM HOMEGOODS AT  XXXX  FL FOR {$98.00} USING  TJX REWARDS/SYNCHRONY  BANK CREDIT CARD ACCOUNT NUMBER  XXXX   XXXX   XXXX   XXXX . ON  XXXX   XXXX ,   XXXX   I PAID ONLINE THE BILL IN THE AMOUNT OF {$98.00}, THE RECEIPT OF WHICH WAS ACKNOWLEDGED IN TJX REWARDS BILL WITH STATEMENT CLOSING DATE OF  XX/XX/2017    WHICH SHOWS A NEGATIVE " NEW BALANCE '' O F " (  {$96.00} ) ''. HOWEVER, IN TJX REWARDS BILL WITH STATEMENT CLOSING DATE OF  XX/XX/2017   , THE BILL CONSIDERED THE PREVIOUSLY PAID " {$96.00} '' TO BE UNPAID, TACKING THEREON A {$25.00} LATE FEE AND AN INTEREST CHARGE OF {$2.00}, MAKING AN ALLEGED NEW UNPAID BALANCE OF {$120.00}. ON  XXXX   XXXX ,    2017, I WR OTE SYNCHRONY BANK DISPUTING THE AMOUNT OF {$120.00} STATING THAT IT IS CONVERTING " MY NEGATIVE BALANCE '' INTO A " POSITIVE BALANCE '' AND CHARGING ME THEREFOR " A LATE FEE OF {$25.00} AND AN INTEREST CHARGE OF {$2.00}, MAKING IT APPEAR THAT I OWE A TOTAL BLANCE OF {$120.00}. '' TO DATE, I HAVE NOT RECEIVED ANY RESPONSE FROM SYNCHRONY BANK. INSTEAD, I HAVE BEEN RECEIVING  DUNNING TELEPHONE CAL LS AND EMAILS FROM THE BANK. AS I HAVE STATED IN MY  XXXX   XXXX ,    2017 LETT ER TO SYNCHRONY BANK, " I BELIEVE THIS IS WRONGFUL AND SHOULD BE CORRECTED AND STOPPED IMMEDIATELY FOR THE PUBLIC 'S PROTECTION. '' PLEASE LOOK INTO THIS MATTER AND ADVISE ME OF THE RESULTS AS SOON AS POSSIBLE. THANK YOU.

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 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I WAS A VICTIM OF FRAUD I BELIEVE SOMEONE GOT ON TO MY ACCOUNT AND ADDED A XXXX XXXX XXXXXXXX CHECKING ACCOUNT ON MY ACCOUNT WITH XXXX CARD PAYMENTS WERE MADE IN THE AMOUNTS OF {$1700.00} & {$1900.00} THEN THE CREDIT CARD COMPANY CREDITED MY ACCOUNT, BUT WHEN THE BANK TOLD THEM THERE WERE NO FUNDS IN THE ACCOUNT THE CREDIT CARD COMPANY CHARGED MY BACK WITH THE AMOUNTS OF {$1700.00} & {$1900.00} I DID CALL THEM TO EXPLAIN THE PROBLEM BUT THEY REFUSED TO HELP. 
PLEASE HELP ME RESOLVE THIS ISSUE ASAP THANK YOU

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 03-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have some things on my credit report that is not mines. I have XXXX account that is more than 10 years old ( XXXX ). I have disputed before but Experian refuses to review information or delete. I also sent them information from XXXX were they have deleted the info. Experian says they do n't do what other credit companies do and will not review their info.

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 07/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I attended ( XXXX ) different Universities, in the following order : XXXX XXXX XXXX XXXX School in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX, XXXX University XX/XX/XXXX and XXXX University in XX/XX/XXXX-XX/XX/XXXX. I served in the XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX and have XXXX XXXX XXXX. While in the service with my own money I attended and Graduated from XXXX by going to XXXX school. When I was XXXX on XX/XX/XXXX I enrolled at XXXX University to work on my XX/XX/XXXX in XX/XX/XXXX. This is when I took out XXXX in Stafford loans and ( XXXX ) plus loan to help with books and expenses. I have 32.5 years of public service and was denied the PLSF forgiveness. I worked for the XXXX XXXX XXXX XXXX and now the XXXX XXXX XXXX XXXX and Im a XXXX XXXX XXXX Veteran that struggles every day to work. I borrowed XXXX dollars and now owe XXXX dollars to Fed loan Servicing. I qualified for the XXXX GI bill but with XXXX and a wife couldnt afford the XXXX buy in while serving. I was never notified by XXXX XXXX which is now Navient that my loans would be serviced by Fed Loan and that when they tacked on XXXX in interest at 8.5 %. I will be XXXX years old if I go with their program before this is paid off. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Application processing delay

Complaint: Chase is currently offering an introductory promo for their new Chase XXXX XXXX card. The double bonus can only be offered if I apply through a branch, and is honored until XXXX XXXX. I have made numerous appointments with bankers at our local branches, even taking time away from my own job, costing me time and money. I am repeatedly getting an error in the branch while trying to apply through their in-branch system. I ca n't even submit the application. No one has any update for me, except for it 's a " known issue ''. In my previous experience as a Chase employee, that means they know but do n't have a solution. 

The issue I have is that my girlfriend came with me to apply for her own XXXX XXXX card. Her application went right through, and got approved. They ca n't even submit my application. I 've spoken with off-site supervisors of the credit card support team ( via XXXX ), and asked if I could apply online and they go back in and reward me the extra points if approved. They said there is no way. 

Are n't there regulations regarding making the same options available to all applicants? All are allowed to apply for credit. When I was a Chase banker, I could n't discourage any applicant from applying, no matter the circumstance. They will not accept my application without me forfeiting what equates to {$750.00} in travel when redeemed through their offerings. 

Please help me deal with this, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, XXXX I submitted a dispute with Equifax to XXXX XXXX that the bill {$620.00} has been paid, XXXX shows it paid in full. XXXX  XXXX even says the bill has been paid. 

On XXXX XXXX Equifax sent me the results of the dispute showing that I STILL owed the total amount. 

On XXXX XXXX I called XXXX XXXX to see if they sent info that they were paid in full to Equifax, they said they faxed the info to Equifax on XXXX XXXX stating the account had been paid in full. 

On XXXX XXXX I 've been trying to contact Equifax about getting the acct to show paid in full and ca n't get through to anyone or their online is down for maintenance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The XXXX account still remains on my credit report without being properly verified. This account does not belong to me. I contacted XXXX to validate the account to send me a signed credit application and they could not produce XXXX. Equifax did not verify this information pursuant to the FCRA. If this XXXX account does not get removed asap and continues to appear on my credit report, I shall find it necessary to sue you for defamation damages and declaratory relief. 

Under the FCRA, a creditor has the responsibility to investigate and verify the information reported to the credit bureaus, and consumers have the right to sue if their request for verification is not complied with. 

I look forward to a speedy resolution of this issue. This is my last attempt for I will sue Equifax just like The case, " The Equifax class action lawsuit was originally filed in 2010 by plaintiff XXXX XXXX XXXX ''. XXXX claimed that Equifax violated the FCRA by the company 's allegedly erroneous reporting

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I just got a notice from a debt collector claim I owe {$120.00} but I can settle for {$44.00}. I dropped sprint in 2006 for bad service and bill was paid. Also, there is a statue of limitations. I do not owe this debt and it should be on my credit report. This company has not verified the debt. Also, the debt collector did not address what to do if this debt was not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: In XXXX of 2015 my wallet was stolen in XXXX XXXX, Colorado. After a day of realizing it was indeed stolen I called Wells Fargo to cancel my debit card at the time. About a week later after getting my birth certificate and SSN sent out from NC I went to the local branch to get my account back underway. One of the branch representatives asked me if I have been on my account in a while and I told him the situation and he said that someone over-drafted my account and emptied it completely. The perpetrator tried to pay off another stolen credit card with my debit card causing close to {$13000.00} in damages. The representative said they would contact fraud for this and fix this issue asap. In the mean time would open another account for me so I could have access to another debit card. Not even a week after the new account was opened they were charging this new account for the balance of the old one to the point where Wells Fargo basically charged another {$400.00} worth of charges for an account that was supposed to be frozen and investigated. The 3-4 business days to fix this situation turned into 3-4 weeks ... then months by XXXX I went through 11 sets of reference numbers and people were just putting me on hold and letting the call end. They were avoiding me because there was nothing I could do to pursue legal action. Its now 2 years later through the situation of wells fargo my credit is garbage. Most banks wo n't approve me for anything and I have practically someone using my information on a monthly basis. Wells Fargo is responsible for borderline ruining my life for a year, ruining my future financially and basically robbing me for $ XXXX. I want reimbursement.

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 04/24/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: My name is  XXXX   XXXX  an d BSI Financial ha s been my loan servicers since  XXXX   2016,   and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very stressful and nerve wracking. Since last year we 've requested loan modification from BSI several times, however and they do not give such an option. This is the only home I have and my family lives here, but BSI only wishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only  XXXX  square feet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (IN).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I purchased a garage door opener and installation package from  Home Depot  and used the Home Depot credit card for the purchase. I purchased the unit in the store and brought it home.The installer came out and said there was an issue with the opener and had to take it back t o Home Depot. Home Depot s omehow called my mother who lives in Florida - to my knowledge her phone number is not on my Home Depot account - and advised her that I would have to buy a new opener since I purchased mine online ( which I did not ). The installers sai d Home Depot  would not release the unit to them, even though they are the in-house company  Home Depot  selected. I called  Home Depot ' s customer servic e three  times, they transferred me around and dropped my call, ultimately wasting my time and offering no resolution. All the while the opener and the install service remain on my credit account.

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 07/21/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IA).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold Checking account with Citibank on XXXX/XXXX/XXXX after receiving the promotion code XXXX. The requirements for this promotion were to open a Citigold checking account, make one bill pay transaction for two consecutive months, and make {$1000.00} in purchases via the debit card. Upon completion of the promotion requirements, I would receive XXXX XXXX XXXX. I thought this was a great promotion as I am a long-time Citibank XXXX credit card customer ( since XX/XX/XXXX ) as well as a Citibank customer ( since XX/XX/XXXX ). Citibank opened my Citigold Checking Acct in early XXXX XXXX. I promptly deposited funds and began working to satisfy the promotion requirements. I completed the bill payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I completed the {$1000.00} in debit card purchases on XXXX/XXXX/XXXX. Following completion of the requirements, I contacted Citibank customer services and was informed that I had met the requirements and the miles would be post XXXX statements after the period in which I met the requirements. Given the requirements were completed in XXXX and the XXXX statement closed on XXXX/XXXX/XXXX, I expect the miles to post XX/XX/XXXX or XX/XX/XXXX. After not receiving the XXXX AAdvantage miles by XX/XX/XXXX, I sent a message to Citibank via the messaging function on their website on XXXX XXXX, XXXX. Citibank promptly replied on XXXX XXXX and indicated they would review the issue. After several weeks I received a letter from Citibank on XXXX XXXX, XXXX indicating that after investigation they determined that I was not actually eligible for the promotion. This contradicts information previously provided to me by Citibank customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I checked my credit report and found a bankruptcy on the credit bureaus reporting. I called the bankruptcy court to inquire if the bankruptcy court reported the alleged item. The court said they do not call, fax, mail, give out, or report any court information to any credit bureaus. Thus according to FCRA any negative information must be verified accurately. Please remove the alleged bankruptcy item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kohl 's Credit Card Department has called XXXX to XXXX times a day for months now after I informed them that I will be paying the bill off in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX 2013 I became aware that some bank accounts had been opened under my name, and were on my credit report as a result of identity theft. I also noticed an address and phone number that are not associated with any place I have ever lived or had as a contact number. I contacted my local police department and filed an identity theft report, and gave the detective the address and phone number associated with the fraudulent accounts. I gave this information to Experian and began the process to resolve the issue. XXXX accounts with XXXX XXXX were opened under my name, and after the dispute XXXX was removed, but not the other. Recently, I noticed it was still under my name and since I am currently in need of a new car, I knew I needed to take care of it to get the best finance options. After filing another dispute, providing them with the police report and email correspondences between the detective and myself, I received notification of my dispute results. The account still remains on my credit report, and I do not know any other way I can prove that this was not me who opened the account. The bank in which the account is opened under is not in my area, and I had never heard of it before this identity theft issue. This is a clear violation, and I believe Experian has not done their jobs in representing one of their members and ensuring my identity protection. I will be fighting this until it comes off my credit report, no matter how long this takes. This is wrong, and Experian should do more to help those who have been a victim of identity theft.

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 09-12-2016 about Debt collection (Medical) with Creditors Bureau Associates (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is an update to the Case number : XXXX. 

After contacted my insurance company, it 's determined that the XXXX XXXX of Georgia has submitted the wrong claim and the insurance company request to resubmit the claim. However, when I discussed the option to XXXX XXXX from Creditors Bureau Associates of Georgia she denied but asked me to contact the insurance again to ensure whether they are willing pay or reimburse if I pay her company first. She has tried to make the case harder for me to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been disputing an account from  XXXX  that was a paid off and company agreed to remove the close account which   XXXX   and  XXXX  have removed but transunion keep coming back as verified. I have sent proof to transunion that the account have been removed from the others to please follow suit and they have not complied

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 03/30/2018 about Debt collection (Other debt) with The CMI Group, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Made payment arrangements but XXXX XXXX XXXX agaent did not inform me that at the end of the first payment arrangement another would need to be setup. I ask for phone records but they did not comply with my request to listen to the conversation. Instead they gave me their findings without my involvement.

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 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have initiated XXXX separate disputes with Experian for XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and Experian has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

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 explanation