milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2016 about Debt collection (Medical) with RMB, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: RMB Inc., XXXX XXXX XXXX XXXX, XXXX, TN XXXX, telephone number XXXX is attempting to collect a debt for client XXXX XXXX XXXX when I am making payments to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX for all of my open accounts. I am Social Security XXXX recipient and under medicare.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with SYNCHRONY FINANCIAL (KS).
Issue: Billing disputes

Complaint: I opened a Sam 's club credit card when a clerk told that me I would " Receive {$45.00} off Instantly '' if I made a {$100.00} purchase the day I opened the account. There were signs all over the store adversiting this offer. When i received my statement the {$45.00} was not deducted. I called XXXX and was told that I was given wrong information. The credit would not appear for 2 or 3 months. I said I wanted to pay the balance, but I would deduct the {$45.00} dollars. I was told I would be charged interest.

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 08/17/2017 about Debt collection (Other debt) with Credit Adjustment, Inc (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am disputing my account being sent to collections. My account was only 60 days pass due. I live in a rural area and the post office it opens and closes while I am at work. I am not disputing paying my bill but I owe only {$140.00} pest control service " XXXX XXXX XXXX XXXX '' the collection company is " A collection Agency sent me a letter saying my account was in collections and increasing the balance with interest. I called the agency and the pest control company and they said my account was in collections. I told them my situation with post office, I also lost my key XXXX XXXX key reason I could n't get mail since my XXXX XXXX was under my name. Anyhow I told them my account is n't 180 days pass due it should have not been in collections nor should my account be collecting interest if it is in collections as a charge off account. I told them it 's illegal to collect interest on a charge off account. They refuse to listen. I mailed my payment just because I know owe {$140.00} not paying interest but I would like for you to check there ethical collection pratices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I took out a  XXXX  loan with Navient my freshman year of college. I 've so far paid {$4500.00} and I still owe {$1600.00} according to Navient. That make 's no sense when my interest rate is set to 4.25 %. Someone please help me with this as I 've been paying and paying and the compounded interest does not seem right whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im a victim of identity theft, and this company has refused to follow the laws set out in the fair credit reporting act and block this information from appearing on my credit file. To add insult to injury, they claim to have verified the information despite them being the one who alerted me to my identity theft in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit card () with SUNTRUST BANKS, INC. (MD).
Issue: APR or interest rate

Complaint: I was offered a O % APR credit card for 15 months, but instead received a card with 3.5 % APR.

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 08/27/2016 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Other

Complaint: Please be advised on XX/XX/2016 I sent Chase information Pursuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Chase! Chase has not provided any documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Bank account or service (Other bank product/service) with Google Compare Credit Cards Inc. (CT).
Issue: Using a debit or ATM card

Complaint: I attempted to dispute a charge, XXXX from XXXX of XXXX on XX/XX/XXXX, the transaction id is XXXX. However, the rep ( s ) I spoke to did not understand which transaction and reason for dispute. The first rep I spoke with insisted the transaction in question is a XXXX funds transfer on XX/XX/XXXX, a day prior, which it is not. Again, the correct transaction is noted above. The charge is a deposit on a vehicle, which I attempted to cancel. However, the dealership refused and stated deposit is not refundable. They refuse even when vehicle has not been delivered and an option on the car is incorrect. Also note, the payment amount for financing is not what was agreed to. This was explained to a second rep I spoke to, I had to call back after dealing with first rep who would not cooperate. However, I do not know if dispute was filed or not as I have no email confirmation of anything of that sort.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have went on XXXX XXXX to check my credit score because I am trying to get an apartment. I realize their are several hard inquiry 's that do not belong to me nor did I ever apply for these accounts. it make me very upset because I been working hard on trying to fix my credit! I have reached out to the company 's and basically told me there is nothing they can do about this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Vehicle loan or lease (Loan) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: If we would of known we can complain here we would of done it at the moment. The problem was with Fifth third Bank. It is a little long to write here would prefer phone call to explain, but a little is since the first month of the payment due we were wrongly charged late fees us nit being aware that the first payment was not applied do to it was not withdrawn from iyr bank account and from there were charged every month a late fee for that very first month for over 2 years. Every month was a late payment charge ys not being aware until approximately a year later if that late payment. Us thinking we were on time every month abd up to date. When we received our first xmcall with that nonsense after arguing our right abd trying to get them to understand we ended up paying the late fees around one thousand dollars. They kept calling after that! Claiming we were behind again and every month was a new late payment since they consider every month to be behind a month. My husband is XXXX and would get translaters and were really rude. I really wish we had the dates abd names of workers but we dont. He was treated wrong and once they even hung up on us since a English person answered he was asking me what the my were saying abd they hung up when they heard me translate because they said there could not be others in background speaking. I did threaten to sue and i would of if i knew Consumer financial protection bureau existed at the time. I believe my husband deserves more. He did receive a settlement for the lawsuit against high interest rate for XXXX, but i do think our situation with them was stressful the time we had that vehicle with them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I sent payment for a bill via mail when I called to inquiry why payment had not been applied I was informed that I had post dated my check for the month of may. I informed the rep that was incorrect and the payment was to be applied XXXX/XXXX/16 ; I authorized them to change the date if incorrect and withdraw payment of {$90.00} listed on check. At the time I was offered to also set up payment for the remaining balance, I inquired if this would incurr a fee because payment over the phone stated it had a fee? I was informed by their employee that since they had the information and were processing a payment, the administrative fee would be waived. I asked again if she was sure of the procedure because I understood there was a {$9.00} administrative fee otherwise I would just mail a check. I was assured that would not occur. Upon checking my financial balance I noticed an electronic check withdrawl for a {$99.00} fee. I immediately called and spoke to a supervisor and was told that was incorrect, he had to check the tapes of the conversation. I would be refunded my {$9.00} but he was unaware of when that would happen. It may take time for them to return my money that I did not agree to have them withdraw.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX. I am now XXXX and retired. I have been paying on a 7.375 % interest from Bank America Home Loans since XX/XX/XXXX almost XXXX years. When interest loans were lowered to 3 and 4 percent, I started applying for a modification to reduce interest. 
I have been engaged in doing this for the past XXXX years. With the help of XXXX XXXX of XXXX State Assemblywoman XXXX XXXX office we have filled and submitted over XXXX applications for this. 
At first I was told while I was still XXXX that my income was too high. After I retired XXXX XXXX acting as Third Party have submitted al least XXXX more applications which involved bank statements for 3 months ; periods, letters from the college and reduced income supporting hardship -- all without success. This frustrating process required submission of appplications to always changing consumer relations associatte. This means that after submitting the ; package to that associate. another person would take over the next time : one in XXXX, another in XXXX, still another in XXXX. 
The only act of mercy I received was the acceptance of monthly escrow payment which I paid faithfully. 
After the month of XX/XX/XXXX had begun, I received a note from Bank American Home Loan informing me that my loan had been changed toXXXX Mortgage ... In dealing with XXXX the monthly payment is still exhorbitant and the interest still at XXXX which means there was deception all along -- or fraud. 
I choose as my title persecution of seniors, a descriptive title that used in a communication to the Commissioner of Currency which supervises banks. Bank America exists because tax payer monies bailed them out of the crisis it has been shown that they also helped perpetrate. 
I am submitting my story to broadcast my claim that I am being treated unjustly. 
i will be forwarding to you a copy of my letter to XXXX XXXX of Commissioner of Currency whose institution has done nothing. 
I am presently working with XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Third Party. 
I can not just give up even in this unjust situation which is aimed to cast me out of my residence and my major asset. 
I am an XXXX great grandmother. Lowered interest and modification process were intended to render justice to ordinary Americans but the way it is handled causes plunder the old highway robbery system. The XXXX 2 weeks ago listed income of executives in seven figures why the poor are defrauded. 
I am trusting that you are a honorable American who is committed to do right. Righteousness will keep blessing America. XXXX. XXXX XXXX XXXX XXXX XXXX email : XXXXXXXXXXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing statement

Complaint: I ssued a Macy 's s tore card in return for one day discount    XXXX   XXXX   XXXX   . Paid statement    XXXX   XXXX   XXXX   . Received another bill ..   XXXX   XXXX   . Requested explanation. No acknowledgement or communication from Macy until    XXXX   XXXX    requesting {$150.00} payment. Requested identification of source of statement. Customer service responded by sending statement after statement for about six weeks with no source purchase mentioned. End of  XXXX  received packet of statements with a single entry for {$17.00} dated    XXXX   XXXX   n o year.

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 05-11-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The compan y Transworld Systems Inc. is a third-  party company that bought a collection from a company by the name of  XXXX   XXXX   XXXX . It was assigned on my credit report on  XXXX   XXXX ,  2017  for the amount of {$1500.00}. The company then lowered that amount to {$510.00} on  XXXX   XXXX ,  2017 .  Transworld Systems Inc.  is NOT a bonded third-party company in the state of Texas, therefore it is against the law to collect on a debt or report a debt to the credit bureaus. I contacted the company Transworld and asked that they verify information and was unsuccessful, Please remove from all   XXXX   bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was n't aware that I could lower my monthly payments and each time I called navient they kept putting me under a forbearance. I have gained a substantial amount of interest now!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Complete Credit Solutions, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX ( XXXX ) on XX/XX/XXXX. My first payment of {$120.00} was due on XX/XX/XXXX. I made eight payments of {$120.00} each from XX/XX/XXXX to XX/XX/XXXX for a total of {$980.00}. I assumed this was paid off since I no longer heard from them after my last payment was made. They have now sold my account to Complete Credit Solutions , Inc. XX/XX/XXXX TX XX/XX/XXXX @ Telephone : ( XX/XX/XXXX ) XX/XX/XXXX-XX/XX/XXXX. Complete credit solutions has place a collection account on all three credit bureaus for the amount of {$1400.00}. I have disputed these amounts since I have already paid XX/XX/XXXX. This was a payday loan that I am now aware of as being illegal in North Carolina ; however, the main issue is that they were paid three years ago and they are putting an outrageous balance on my credit report that is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (CT).
Issue: Trouble during payment process

Complaint: My complaint number XXXX was closed without giving me an opportunity to dispute Wells Fargo 's incorrect claim that my loan was not paid off until XX/XX/XXXX. Attached please find receipts that prove this claim to be false. Wells Fargo withdrew funds from my XXXX Account on XX/XX/XXXX despite the fact that this loan was paid in full on XX/XX/XXXX. The poor communication and patronizing attitude from Wells Fargo -- not to mention their delay in refunding my money -- is unprofessional and unfair to consumers.

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 10/15/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Back in XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids XXXX my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my XXXX daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert back in XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to 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 non-monetary relief
Consumer complaint received 10-02-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (WY).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus force-placed insurance on our mortgage, despite the fact that my insurer has twice faxed proof of hazard insurance on the subject property, and my insurance company shows that Seterus paid the policy over two months ago. The forced-placed insurance added to my mortgage has caused my Seterus mortgage payment to increase by almost $ XXXX/month -- an increase of over XXXX %.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Home Equity was modified under XXXX ... CHASE HAS NOT UPDATED SYSTEM AND KEEPS CALLING SAYING THE LOAN IS IN ARREARS ... .SPOKE TO THEM TRYING TO CORRECT AND TO NO SATIFACTION

Company response to consumer: Closed with explanation