milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge 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: I am contacting you a second time because I do not think my problem was addressed right.I told the bank about my problem but they seem to be stuck on one issue.The company was to send me a release form and never did.They obviously did this on purpose as to extend more time.I never used this merchant in any way shape or form.The company I was dealing with was XXXX XXXX, not XXXX XXXX.XXXX XXXX must be involved with XXXX XXXX as they used their merchant account.There not going to send a release to sign.Neither one of these companies have rendered any kind of service whatsoever.XXXX at XXXX XXXXd says they can not take the money back from the merchant because of the time that has lapsed.I have been defrauded out of money on all my cards and learned a lot.I know they can go back as far as 538 days.If XXXX XXXX was legit, why would XXXX XXXX pay me back.These companies are using merchant accounts to defraud the elderly.The fair thing to do would be return my money.I would like to know what XXXX XXXX told 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 monetary relief
Consumer complaint received 04/19/2017 about Mortgage (Home equity loan or line of credit) with BB&T CORPORATION (GA).
Issue: Application, originator, mortgage broker

Complaint: I 've had a home equity loan w ith BB & T for abou t 13 years and a few month ago I converted the home equity line to a regular term loan. About 60 days after this transaction I checked my credit report and found th at BB & T was rep orting the home equity line as closed but the outstanding amount was still showing in my revolving credit as debt. In this same credit report the term loan was also showing up with an the appropriate outstanding balance. I contacted the the credit bureau and filed a dispu te. BB & T res ponded and said that because the revolving loan and the term loan had the same account number that it was reporting correctly.   My concern is that my debt ratios are being impacted twice by the same loan. I explain ed to BB & T t hat the reporting of the revolving loan being closed is correct, but they need to  XXXX  out the outstanding balance. Given that this is the same balance that is reflected in the term loan the credit bureau is counting the same dollars twice. Please note this account is current and has never been late.

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 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RGS Financial, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, XXXX I order a copy of my credit report. Report number XXXX, on that report I found RGS Financial XXXX XXXX XXXX. For {$200.00}, Date opened XXXX XXXX, First reported XXXX XXXX, Partial account number # XXXX. 
I did not receive notice of right to dispute.This is being report on XXXX, report number # 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 07/20/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone has the same name and birthdate as me- they are using my address to run up debt. Our social security numbers are not the same- the debt is not mine. I get calls all the time and now I received a settlement letter from XXXX XXXX XXXX XXXX, XXXX out of XXXX representing LVNV Funding LLC as assignee and purchaser of XXXX XXXX , XXXX and Co. When I try to dispute the information they claim name, address and birthdate are the same- it has to be mine- even though last XXXX of social are NOT the same. I do n't know how to fix this and the XXXX office wo n't do anything. If its not me- then this is harassment. I have great credit and have worked hard to keep it up- I am an upstanding citizen in my community and I find it very XXXX- the calls and letter.

Company response to consumer: Closed
Consumer complaint received 02/14/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: For the second time now, I paid my Macy 's credit card in full and had a {$1.00} balance the following month. After the first time, I called and they said that this was interest from when I paid the payment to when the payment was due. This second time, I specifically called them and verified that the balance that I was paying was the absolute total that I owe. They confirmed on the phone. I then receive a {$1.00} bill the next month for supposed 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 monetary relief
Consumer complaint received 06/26/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Problems when you are unable to pay

Complaint: After I married my XXXX husband, I moved from XXXX to XXXX. It took me forever to locate a job and we became severely behind on this car payment. Fees were minimal however it greatly ruined my credit and they kept reporting and would not due anything after various letter, emails and call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: A series of fraudulent charges were made to my chase debit card in mid- XXXX  (  XXXX , I believe ). I was sent a text and followed steps to verify the fraudulent charges. A credit was given to my accoun t ( to the sum of {$310.00} ) for the two purchases ( {$65.00} and {$250.00} )  that actually went through before being marked as fraud.   Later, I received a package that had been processed through fraudulent charges to the same address as listed in my billing information carried with the card. Upon receiving this box  ( a bun ch of coffee mugs I had never ordered, but were the fraudulent purchase ) I called chase to talk to a representative and tell them they some how had the items shipped to me, but there was no return information and the website they were from seemed fake ( " buyourstyle.com and www.customtee '' ). I was told not to worry about it and throw it out or do whatever I wanted with the package since there was no return information.   Weeks later I receive notification that my claim was denied because the company the charges went through verified my address, name, and that the package had been shipped. On top of the fact that I notifie d Chase of my reception of t he package, and was told not to worry about it ; it is easily attainable information through a rudimentary google search that scammers can have items shipped to your billing address ( intentionally or n ot ). Yet, my claim w as denied because they sent me a non-returnable package.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXALLY FINANCIAL INC XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/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
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ditech Financial LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This loan originated in 1987 and was originally with XXXX XXXX Bank. It was sold to another company and was PAID OFF AS AGREED. Actually, the loan was overpaid by XXXX payment which resulted in a refund of the last payment. I do not remember the name of the company that bought the loan, but they sold it to another company as a receivable loan, which was fraudulent. I have had several collection companies trying to collect this loan throughout the past 25 years and is fraudulent. Apparently each of the companies that bought the loan kept reselling it as a receivable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: information added to my credit report was false and collection agency agreed to delete, equifax also agreed to delete and XXXX year later information is still not deleted, equifax will not allow me to dispute online and will not answer my letters by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Debt collection (Federal student loan debt) with Equitable Acceptance Corporation (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: -bank account debited monthly for {$39.00} startingXX/XX/XXXX until XX/XX/XXXXcompany tacked on interest without letting me know starting XX/XX/XXXX -promised that payments were going towards student loans when I was still within my time of loan deferment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage currently with XXXX, they held the mortgage for one year and I received notice in the mail yesterday my mortgage is being transferred XX/XX/XXXX to PNC Mortgage. I read that I need a 15 day minimum notice before transfer. The letter was dated XX/XX/XXXX, and I received the letter only yesterday in the mail, XX/XX/XXXX. This leaves only a 5-6 business day notification ( or max 10 business day from date of letter ) of my loan transfer. I am also trying to settle my escrow account with XXXX for XX/XX/XXXX year. I do n't think I have been given sufficient notice, and, also, the letter did n't enclose a payment voucher for new payments to be sent to PNC Mortgage, which means I would have to send my payment to XXXX until I receive my new mortgage statement. I know legally I have a 60 day window for payments between transfer, but I still think the transfer notice is very, very late.

Company response to consumer: Closed
Consumer complaint received 01/17/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CT).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase " temporarily disabled '' our bitcoin account on XX/XX/17 and we have been unable to access the account since then

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with BANCO POPULAR DE PUERTO RICO (MI).
Issue: Balance transfer

Complaint: XXXX  life miles visa ; -Card is restricted -Avianca error on a balance transfer and sent {$3700.00} payment on  XXXX  to wrong company, a company i never provided.   -When i called to confront  XXXX   , i w as forwarded to fraud department, fraud investigator provided untruthful statements trying to get me to believe all visa cards were malfunctioning.   - I i nformed Fraud investigator h e was lying, that i have friends who have same card and are not restricted or having other issues as i am.    Fraud investigator  was caught off guard and refused to answer when i asked him why he was lying.   -Due to the restrictions, which were not placed until i disputed a   XXXX   balance transfer of {$3700.00} that was sent to wrong company, I am unable to pay or use this account.    -I am  unable to verify charges- - I strongly urge someone to listen to the call on  X/XX/2017    with  XXXX  and a fraud investigator - I have talked to  3 f raud investigators from  X/XX  through  X/XX/2017    all have provide untruthful statements - to ensure I have a private right to file a lawsuit and collect damages, I have filed disputes with all the credit bureaus.   -  XXXX  representative has also contacted family members at phone numbers i never provided to them or gave them permission.  XXXX  has shared private information with others violating our agreement and Federal law.   - I am also requesting the complete unredacted file  XXXX  has compiled on me, as this is my right and they MUST comply.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (WI).
Issue: Credit decision / Underwriting

Complaint: Chase had reported my payments late to the various credit bureau reporting agencies, I disputed their reporting and then they reported I had filed bankruptcy and XXXX was owed on my account, which is incorrect because I have been making monthly payments. Their reporting has harmed me and I am unable to secure home insurance at an affordable due to their harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Child is XXXX XXXX XXXX my child support payments have never went delinquent in fact it is paid current up to date the payments that are being made right now is interest only not late fees and is invalid reporting to credit bureaus I have called and written letters for over 4 yrs to get this account removed off my credit ; because payments have always been current and onetime also because there were no services or contracted services nor product to have this account appaering on my credit report. Was made aware that new child support law from XX/XX/2017 enforces bureaus to remove child support from being reported to credit bureaus. Also the Federal Tax Lien is not my debt its reporting on wrong credit file, showing paid so why would it be reported so all information is invalid the account, account type, date, amount and mismatch personal information for this is not my account. As far as collection account I have not received medical treatment from company that has recently posted on my credit report : XXXX XXXX spoke with company trying to see how they got my information the information in their system does not match me.

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 01/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had vacated my apartment on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX Hunter Warfield had sent me a notice saying I still owe {$1300.00} to the Landlord. I had asked for an explanation as I had never received any initmation to that effect from the landlord. Hunter Warfiled sent me a mail dated XXXX/XXXX/XXXX giving the break up of the said amount. This included items like damages to the property etc., As I was not aware of any damage to the property, I had sent them a certified post asking for proof on XXXX/XXXX/XXXX within 30 days of the receipt of the mail. I never heard from Hunter warfield till date. But they have sent a notifications to the credit monitoring bureaus which has resulted in a huge drop in my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: Last year I open an account with Chase bank in XXXX XXXX, FL. In one week they had cancelled the account because I had mistakenly over drew the account by about {$10.00} or {$20.00} dollar ca n't remember the exact amount. It was an honest mistake I had just made the required deposit to open the account. 

This have destroyed me as far as opening any account with any bank. I have had an account with XXXX for over 25 years and I ca n't even open in additional account with them due to this. 

I do n't know what else to do, Chase Bank has destroyed my chances of opening an account anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Mitchell Rubenstein & Associates, P.C. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX hired XXXX XXXX XXXX of Mitchel Rubinstein and Associates to collect a debt. We had an agreement post judgement. I paid the debt and now he is asking for money for his cost. I have asked for a itemized list, notice of his cost, which he can not provide. Second, we had a agreement and he has not given notice of satisfaction for the debt being paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2008 I called my Mort co. GMAC to inquire about the Modification process from a letter I received from them. They told me I had to be at least 30 days behind before I could start the process. I explained that I have never missed any payments on anything and did n't feel good about being late on a Mort payment. They said it would only take 30 days or so and I should not worry about bad credit. Well that was the beginning of my 18 month nightmare!!! I have a Mort brokerage education so I knew how to put together a loan package for mortgages. After they received the completed loan doc 's they kept requesting the same information time and time again. I faxed them my tax returns alone at least 5 times. After XXXX temporary 90 day payment plans they said they were going to come up with my new modified payment. But that did n't happen. After 18 long months of not knowing what was happening with my Mortgage I finally got a letter stating the modification was denied because they could not figure out my income!!!!!! What!!! They said I had to back pay all my missed mort payments as well as late fee 's, penalties and random inspections ( to see if I still lived here ) or they were taking my Home. I had to sell over {$60000.00} from my XXXX and pay early withdrawal penalties and taxes and hand that money over to GMAC. I paid the mort the next 12 months and then hired a lawyer to help me with the modification once more. After almost 3 years of sleepless nights I finally got the modification completed. GMAC has since sold my loan to OCWEN and I did receive a {$500.00} check from GMAC for any wrong doings with the modification. I 'm now XXXX yrs old had to start my XXXX back again because the market was down almost 50 % when I sold and took a huge loss just to pay them. They knew what they were doing they knew how much money I had and they deceived me at every turn. My Loan # XXXX same # as when GMAC owned it but now OCWEN loan servicing has it there # XXXX. After the modification GMAC divested itself from any of these mortgages. They should be held accountable for the time and money I had to spend just to lower my mortgage to the current interest rate. That 's all I wanted in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 XXXX XXXX XXXX checked my credit without my consent. I did not give them my social security number. Credit inquiry appears on my credit report and it needs to be removed. 
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