milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/13/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Payoff process

Complaint: The merchant credit card had a 0 % interest offer. They failed to properly disclose that after the promotional. All of the interest that was waived would be added to the balance. This was not adequately disclosed at the turning the credit was used. When I called the customer service center, they told me that if I paid the bill right away, that the interest would be waived completely. Two months later, they failed to do this and withdrew money from my checking account without authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A couple months ago I contacted the company SW Credit systems ( SouthWest ) after noticing them as a collection account on my credit. They advised me it was an XXXX XXXX XXXX bill however I do not have XXXX XXXX XXXX. I informed them it was as an result of identity theft at what point they instructed me to go online to get forms to submit to XXXX XXXX XXXX. I did as they instructed however they still have not removed the item and still have me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had an account with XXXX like five years ago, I actually did nothing wrong whatsoever and of course there was no abuse I never abused any checking account with any institution and of course not with an account i had open maybe like three months. 

I had someone working for me in the an other state I was trying to sent her via ACH like XXXX since this was a fairly new account instead of adding i was debiting her account which i adjusted immediately when I was made aware of the error at that point someone of the bank called me and was trying to scare me of and all that he was threatening me with all he could. to make a long story short they reported me to the Chex systems so I cant open a new account now cause of this issue please help me to get my records straight. 
Thank you in advanceXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Releated Case XXXXThis is in response to the above referenced case number. Please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Other debt) with Midwest Recovery Systems (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have a unverified account from MIDWEST RECOVERY SYSTEMS #  XXXX . I had previously disputed this account. I have never done business with MIDWEST RECOVERY SYSTEMS #  XXXX . Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request that MIDWEST RECOVERY SYSTEMS #  XXXX  Provide verification of the follow ing : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. )   An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDWEST RECOVERY SYSTEMS #  XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been a XXXX cellular customer for over XXXX years until the year of XXXX. XXXX promise there customers that for an upgrade fee and renewal of the cellular contract, the customers will be getting XXXX cellular service. I renewed my contract thinking I was going to get faster cellular and internet service. This offer was back in the XXXX. After I accepted this offer I did not get XXXX service, instead I got slow connections and a lot of missed and dropped cellular calls. This went on for months and XXXX did not deliver as promise. After I contacted XXXX and tried to get an explanation, I got a lot of apologies and no result or change of service as promised. I then contacted them and told them that the lack of their promised service which I was paying for was a breach of contract and I was not getting service as indicated in the cellular service contract. I then spoke to someone in sprint and they apologized for this inconvenience and I ended my contract and switched to XXXX cellular service. After a few months with XXXX, I received a collection notice from XXXX advising that I owe them money for breaking contract. I thought to my self wow after they did not deliver service as agreed on their contract they want me to pay after I spoke to them and they agreed that they were not delivering the service as promised because of some issued they have with a XXXX contractor. This is an unfair business practice and I immediately contacted the XXXX, XXXX and XXXX to notify them of this issue. This was back in XXXX. After the investigation was made against XXXX collection department ( Diversified Consultants ) they found that it was not accurate and deleted them off my credit file. Now this year on the month of XXXX, XXXX re-reported the collection as if it was a new debt using Diversified Consultants to XXXX, XXXX and XXXX. I then sent XXXX, XXXX and XXXX a letter notifying them that this was a duplicate collection and that the contract was legally broken and I did not owe then any money. Well unfortunately this time XXXX, XXXX and XXXX refused to delete the information and wo n't recognize this as an invalid debt even when it is an invalid debt. Please help me to resolve this issue and stop this unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Medical) with Medical Business Bureau (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX XXXX XXXX is a company I never heard of never done business with! I do n't recognize this account I cant find dates or balance available for my review.

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 02-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent Transunion sworn statement of id theft for accounts on my report that is not mines. The accounts below are not mines. The XXXX account on my report that is mines XXXX ( XXXX ) is more than 10 years old and the refuse to remove. All other reporting companies have removed it. 
Accounts below are all ID fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. 
XXXX I also have have XXXX XXXX forms from XXXX but these accounts still show on report as Charge offs. They should have been removed.

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 07/14/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Please see authorization for me to get the funds returned to the client XXXX XXXX. XXXX XXXX paid off the lien but as his payment was on automatic payment it continued to pay the lien. Chase kept accepting the payment even thought the lien was paid off! They relieved over {$75000.00} dollars in payments after the close of escrow. The honest thing would have been for Chase to return the payment and a note explaining that they received payment to a loan that had been paid off but they did not. Instead they used XXXX money for all that time! Enough! Return the money immediately! 
Please demand that Chase send me a check made out to XXXX XXXX XXXX immediately. 
Sincere thanks for your assistance. 
XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I rented and apartment notified I was moving out on XXXX 2012. 
My monthly rent was {$800.00} per month. 

I move up north with my family, I apply for work and was denied and Apply for School and was denied not sure way. 

I just received a letter from and attorney, they call constantly, harassing me. They say legal action will take place, if I do not make payments. 

I called the agency to ask way the balance is close to {$4000.00} when the rent I was paying was only {$800.00}. 

I know my balance may be about {$800.00} but the company refuse to clarified information, they say full balance will need to be pay. 
I am XXXX XXXX XXXX and I am trying to continued, school but not able to apply for fining. Company is damaging my credit. 
I was never informed or notified from property management that I had a balance. 

Please see attached support documents I have send to clarified the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Medical debt) with CCS Financial Services, Inc. (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt collector sent a collection letter for a debt that was satisfied 9 months ago with written proof submitted in writing to me by the agency i paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Other fee

Complaint: I opened a credit card through Virgin America XXXX, who partnered with Comenity Bank for their XXXX program. I was immediately charged a $ XXXX yearly fee for the card, ok fine ... but then I was started being charged {$2.00} a month, and not knowing I was being charged {$2.00} a month, I did not pay, and then they charged late fees and interest on top of their bogus charges, which I never authorized. I 've called to have the charges waived, they did not agree, so I paid, what I though was my balance due on XX/XX/XXXX, and they said my account would be closed immediately. Then today, I saw they charged me another fee and interest on XX/XX/XXXX! I called again asking to waive these non sense charges, they would not so I paid again to get these bank out of my life. They steal your money by charging you bogus minimum monthly charges, and interest and late fees on top of that! I would like everyone to know how this bank operates, and after doing a bit of research on line, I see Comenity bank last year had to pay {$61.00} XXXX in restitution for bogus charges similar to mine. 

I would love to get my money back, and have this bank further exposed to their thievery. Shame on Virgin America for teaming with such a shady business. I will never fly Virgin America again either because of this, and will do my best to make sure no one I know ever does either.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (WI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I leased a new XXXX Chevy Equinox at XXXX XXXX in XX/XX/XXXX with my husband. We financed through GM Financial. The first complaint is that I receive the bill in the mail on the XX/XX/XXXX of the month and the due date is the XX/XX/XXXX!!! This is ridiculous. They will not help me change the date I receive the bill. The NEW problem is that for some reason our monthly bill comes only to my husband and not in both names. This has been OK and we just pay it. On Saturday TWO bills came for the same amount. One in his name and the other in mine!! I have called XXXX XXXX of XXXX and nobody will return my call. I have left voice messages as well as spoke to someone who said they would personally give it to the financial officer. I have been calling the GM Financial Service # XXXX ALL DAY today. I get a message saying that they have an overwhelming amount of calls and then it disconnects!!! EVERY TIME. I will not have my credit ruined by this horrible company because they double bill me and will not take my calls. I need 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 05/31/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIZENS FINANCIAL GROUP, INC. (RI).
Issue: Trouble during payment process

Complaint: I applied at a bank to pay off a heloc loan at citizens bank. A certified check was sent with payoff of {$120000.00}. The check was received at citizens on  XXXX / XXXX / 2017 . I called for 7 days to see if they received it but they just kept saying no. So i got a tracking number ro prove it  WAS  received  XXXX / XXXX / 2017 . They finally paid the loan off but charged me interest thru  XXXX / XXXX / 2017 . I called to inquire and all they can tell me is they charged me thru  XXXX   XXXX  with no regard for receipt date. They also charged {$49.00} FEE which i have no idea what it is. They charged {$350.00} early payoff fee but i dont know what the {$49.00} fee is. I can not get any answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Closing/Cancelling account

Complaint: Citibank recently closed an account I have had with them for 5+ years for no valid reason I can ascertain. My payment history and account management has been impeccable. I have never been late on a payment, always paying more than the minimum even completely some months, and stayed within my limits to the best of my ability. I may have gone over by {$10.00} or less once or twice but always made a payment to resolve the balance before the next billing cycle. Now they have sent me a letter stating they are not going to renew my card since it has expired. I do n't know if this violates any consume laws or is just bad policy but I felt the need to report it. Thank you for any advice or insight you can give on this matter.

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 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are XXXX credit inquiries that I did not authorize from XXXX ; dated 2014. I would like to dispute this on 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 05/17/2016 about Debt collection (Medical) with HOVG, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Our insurance has paid more than what was the contracted rate and my family has a deductible per year and was met for that year. Just because and XXXX states patient is resp does not mean a patient is resp. If XXXX has a deductible and it has been met the patient has no out of pocket expense what so ever. Just because you go to an emergency room and a emergency room Dr sees you does not mean to double bill the insurance with XXXX different facility names that is still double billing. I now my rights as far as biller goes and I know when a XXXX is a duplicate claim. I have notified our health insurance with this issue let them know that we are being sent to collections and this is a white collar crime and my civil rights are being abused and this is fraud. Per our XXXX it states clear as day on it that charges exceeds the area 's usual and customary charge amount. I notified our health provider multiple times and they even stated they are billing way to high for a bill that has been paid more than what was allowed. and now collector and hospital are trying to collect in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is reporting the same account as XXXX. I have given Transunion ample time and documentation to prove the account is being reported in duplication. I need the accounts deleted immediately.

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 02/16/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Billing disputes

Complaint: I was supposed to receive XXXX free miles from my XXXX Mileage Plan credit card. Bank of America ( BofA ) denied me from having these free miles because I did not spend over a thousand dollars within three months. I had spoke to different people from Bank of America within those months, and they had stated to me that I had spent over a thousand dollars. They also stated to me that they would look into my account to see about a line of credit increase, and they never did. Today I had employees and supervisors mock me on how I spoke. They tried to belittle me by yelling at me and stating that I need to do a better job of reading my contract. The last person that I spoke to laughed at me when I tried to explained to him the seriousness of this problem, and he would not hangup so I can use my phone. When I tried to talk to him he would not say anything but I can hear him breathing.

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 05-08-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Struggling to pay mortgage

Complaint: I have two loans with Bank of America. A first mortgage with no late payments for {$330000.00} and a second mortgage that had a balloon payment due on XX/XX/XXXX for {$35000.00}. In anticipation of me having difficulties coming up with {$35000.00} for almost a year before the balloon was due, I had been requesting assistance from Bank of America to work out a modification for the second loan as, again, I knew I would not have the lump sum of {$35000.00} that came due on XX/XX/XXXX. Only after the balloon payment was due and I did not pay it, Bank of America created a portal for me to upload all pertinent information to work out the second loan. Again I state, the first loan has NEVER had a late payment and has never been the issue. However, I received a letter on Saturday XX/XX/XXXX that was mailed by Bank of America on XX/XX/XXXX, stating that my first loan can not be modified as I do n't meet the " hardship '' definition and that my only option is a " short sale ''!!!!!! I want to be clear in stating that at no time have I EVER applied for a modification on the first loan. I simply wanted to workout my second loan with a balloon payment of {$35000.00} with Bank of American whom I had been trying to correspond with for a number of months and which has only been acknowledged since XX/XX/XXXX when the balloon payment was not paid. Bank of America is blatantly refusing to workout the second loan, by simply calling the first loan the problem when in fact, it is not a problem and has never been a problem for me to pay. I have every intention of keeping my home. However, I find Bank of America to be extremely difficult to work with. I have consistently shown good faith in trying to satisfy the debt on the second loan. I just do n't have the {$35000.00} balloon payment. The bank has shown a mere sterile and statistical approach to my predicament bordering on acting in bad faith. I had been working with a non for profit company to act on my behalf but, they too have met the same resistance from this large yet, impersonal, highly bureaucratic and disorganized banking institution. I have complied a fairly large file with personal information, i.e emails, letters, requests and proof of payment for anyone in your organization who may want to see it.

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 11/16/2017 about Debt collection (Credit card debt) with M&T BANK CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have n't used my M & T Bank checking account in over a year. They would n't let me close it, because they said I had walk into a branch to do it. I was n't able to go to a branch because I moved over 1000 miles away from the closest M & T Bank branch.

Over three months ago, there were fraudulent charges on that account. The account had a XXXX balance, so the credit card that was tied to the account was charged as a result of the overdraft protection.

I disputed the fraudulent charges on the checking account and M & T resolved that issue after about a dozen calls with customer service. I 'm still receiving notices that I owe money on the credit card, and I was notified that I 'm being sent to collections. I 've had an additional dozen calls regarding the credit card issue, and I 'm being told that they 'll " research it '' and get back to me. Meanwhile, the credit card issues has already been communicated to the credit bureaus.

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