milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (DE).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I signed up for a Care Credit card to help pay a   XXXX   bill and was told that it was interest free for 6 months. I was not made aware that my interest accumulated the whole 6 months and I would be charged a lump amou nt. Im young and I do nt know much about credit cards, I feel I was completely taken advantage of.

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 03/23/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: In XX/XX/XXXX, I filed my Federal Income Tax Return for XX/XX/XXXX electronically through a professional tax return preparer, I was entitled to a Federal Tax Refund of {$XXXX}. The refund was to be directly deposited into my Chase Bank checking account. In the process of providing information to the tax preparer, I made an error in my account of one digit. As a result, the IRS electronically deposited my refund into some other Chase account. In XX/XX/XXXX, when the refund did not appear in my account, I sought assistance from a local Chase Bank manager. She was able to confirm that my refund was deposited into the wrong account, and assured me that the money would be recovered and returned to me. Since that time, ten months ago, I have made many attempts to resolve the issue and have the funds returned to me. I 've made scores of calls to Chase Bank and the IRS. I am possession of various documents from the IRS to Chase Bank confirming that the funds were deposited into the wrong account, and advising me to contact the bank, which I immediately did again and again. On one of the IRS forms, dated XX/XX/XXXX, Chase bank states that the money was received but that the " name does not match '' the account into which it was deposited. I enlisted assistance from the IRS Taxpayer Advocate Service which has informed me that the " IRS does not have the authority to demand return of the refund from the designated financial institution '', and that Form FMS 105.1 was sent to Chase on my behalf to search for the electronic funds transfer, which we know went into the wrong account. While it is obvious, and I freely admit, that I made the original error in reporting my account number, it is also obvious that Chase Bank has been negligent in its duty to ensure that the refund be returned to me, a long time customer and the only legitimate person to claim that refund money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The bank became what she thought was her answer that bank and loan companies are now not around so she took the reverse morg. it was either that or lose the house I do not feel that was fair. Now the government owns my home and XXXX XXXX Florida just put in city water when we all had great working wells and is charging each home owner XXXX XXXX to pay for it I am XXXX there are so many people leaving cause they can not afford it and when my daughter when to the meeting she was removed twice for talking about how unfair this was ... the city is now putting in a giant pool which they toss out that the idea over money now all the sudden its being put in the city water was voted in the summer when winter residents were not here to have a input we pay XXXX to get over our bridge and yet our gov. took XXXX of XXXX money to pay off a civil suit he lost ... that would put alot of water in is there anything I can do

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan from a XXXX XXXX Speedy Cash store XX/XX/XXXX. I had been taking out payday loans at a different store and could not afford the payments. I figured that taking out the loan at Speedy Cash would help me pay off the other loan, but that was not the case. I borrowed {$250.00} and paid {$45.00} in fees. When I had to pay 2 weeks later, I was still in a hole and could not pay off the whole loan, so I renewed. 

I fell behind on my electric bill and had to continue taking out the loan. Eventually I was behind on my rent and event my gas bill because I continued to pay the fees to renew the loan. I felt trapped because I felt like I kept falling behind and could not stop renewing the loan. At one point Speedy Cash offered me a car title loan and it was tempting, but I was already being hurt by the loans I had and could n't take a loan that would hurt me even more. 

XX/XX/XXXX I XXXX and had to go on XXXX after not working for 3 months. I was more behind than ever and I had to stop paying the loans. I did n't know how to stop because Speedy Cash had access to my bank account. In a desperate attempt to stop with these loans, I visited my bank and took out all my money before closing down my bank account. I knew it was going to affect my credit, but I had no other way out. 

A bit after that I began receiving calls and letters asking me to pay back what I owed. At XXXX point I even received a letter telling my I qualified for another loan, which made no sense since they were actively trying to get me to pay my previous loan. XX/XX/XXXX I owed Speedy Cash {$310.00}. Now, almost 2 years later, I continue to receive calls and letters asking for their money. The last I heard from Speedy Cash was last month, and I need help to get them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
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: We are being giving the run around by the credit card company Bank of America. We have fraudulent charges againt our account from  XXXX  IL. We were able to get  a BOA e mployee on the phone long enough to look into charge and they removed  XXXX  of the charges not made by us. The problem is that there are several more and no w BOA is  giving us the run around.   We call into BOA several times. Today we called starting at  XXXX  on getting home from work it is  XXXX  and we are still being transferred and dropped. Even when we have tri ed to have them call back it rang our phone for less than a full ring before disconnecting. We have talked with nine people, had their line hang up on us four times. Giving the information that we are challenging to two or three people to have them ask us to wait and then have them hang up on us. I believe that they are practicing a program of discouragement to prevent us from resolving the false charges on our credit c ard.

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 09/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received collection letters from Diversified Consultants , Inc., XXXX. XXXX XXXX, XXXX, FL XXXX, attempting to collect {$750.00} on a debt to XXXX. The " Agency Reference Number '' is XXXX. The " Account XXXX '' is XXXX. I previously discovered a report of this alleged debt on my credit reports. I disputed it successfully to the credit reporting agencies, who removed it from my reports. However, I subsequently received the debt collection letters that are the subject of this complaint. I disputed that debt to the agency. The agency responded that XXXX verified that the debt was valid and included in that letter a copy of an unpaid bill from XXXX. That bill was addressed to someone named " XXXX XXXX '' but residing at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The bill was for services provided in XXXX. I have never lived at that address. I did not request or receive services from XXXX in XXXX. I last had an account with XXXX in XXXX, which was fully paid and closed. 

It is apparent to me that someone with my name or using my name incurred debt and did not pay. I am being billed for someone else 's debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: equifax confirmed that my social security number was subject to their most recent data breach. I registered with their website several days ago and have not received the emailed response as promised. I called their support line and was disconnected when told I would be transferred and then placed on hold several times for a total of 20 minutes and advised that I needed to give them more time to send me an email. It has been 72 hours since they asked me to register in their website and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Other

Complaint: Looking over my credit report, I noticed there was still an account reporting on there. The account was paid and closed back in XXXX 2006

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my Chexsystems report from XXXX XXXX XXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to Chexsystems report. I attached my IG with my Georgia address, the only address I 've ever lived.

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 04-06-2017 about Credit card () with WELLS FARGO & COMPANY (IA).
Issue: Billing disputes

Complaint: I transferred a balance that is supposed to be interest free for 15 months, I believe. I also make purchases with the same card I have the transfer balance on. Although I pay my purchase total in full each cycle, I am still being charged interest, when the only balance that is left is my transfer balance. When I called to ask how this can be, it was explained to me that basically my purchases made after I transferred my balance over falls behind the transfer balance amount, so in essence I will never pay off my " purchases '' until I pay off the transfer balance ( which is a substantial amount ), since payments are applied to the oldest transaction first. By them doing it this way, I will forever be charged interest on my " purchase '' totals until the full balance is paid. I have since stopped using that card for purchases, realizing the interest is just going to grow, but this seems very unethical to me. Seems like my purchase balance and transfer balance should be kept separate and payments should be applied to purchases first, since that is where interest currently accrues. Is this ethical?

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 03/26/2017 about Debt collection (Auto) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2017 I began receiving letters from Afini collections about a debit they claim I owe to XXXX for an auto accident that they allege occurred on XX/XX/2017 On behalf of XXXX. They first claim that I owe {$1000.00} but have since reduced that amount to {$520.00}. 
My complaint is that I was never involved in an accident, and have never been contacted by XXXX about being involved in a traffic accident and Afini has not provided any other information other than a demand for payment. 
I was not involved in a traffic accident

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Debt collection (I do not know) with BTH Management (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Never received any correspondence from this company. This debt has been discharged through bankruptcy in XXXX 2010.

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 12/23/2017 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (OH).
Issue: Fraud or scam

Complaint: My credit card account was hacked and used to make a payment to paypal. My credit union notified me of this the next day and I filed a dispute with Paypal but they did not give me an option for Malware attacks. Paypal awarded the claim to the hacker and does not give me the option to refile a dispute. In other words the hacker got away with this due to a flaw with Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: well i had some financial issues and i have told them several times stop calling me/ as i am going for chapter XXXX and now my credit report is showing XXXX items for collections? it is hurting my credit report even more when i have told them over and over to take off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I deposited a check from an inheritance in the amount of {$380000.00} in my checking account at Wells Fargo on XXXX XXXX, 2015. The bank put a 10-day hold on it. According to the attorney that sent me the check, it cleared that night. Wells refuses to release the hold until XXXX XXXX, even though they already have the funds. They insist that they need to verify the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am putting in a complaint against Trans Union Because since XXXX of this year I have been trying to split the merge between my twin brother and me. My brother has been a XXXX for a few years and I have recently gotten my XXXX. I have been living at my brothers house as he is the one who requested me to the XXXX. I have been calling repeatedly and trying to fix the issue where I have not been able to access my free credit report. Trans Union requested for a copy of my social security card which i sent to them already on several occasions. They claim that my file is being sent to the maintenance department and that the problem is going to be fixed yet they do not end up fixing anything. Today i called to get a follow up and once again i spoke to a representative whom this time made the situation worse and finished merging XXXX files together now me and my brother have only XXXX file. This has been an ongoing situation and I am already frustrated in trying to get this matter resolved

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2015 about Mortgage (FHA mortgage) with LOAN SERVICING GROUP (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred to XXXX on XXXX/XXXX/15. I tried making a payment with my previous servicer XXXX on XXXX/XXXX/15 but there website was not working to set up payments and their office was closed over the weekend to speak with a live person. I spoke with my previous lender on XXXX and waited per their suggestion to call my new lender until XXXX to make the XXXX payment since they said it would take them a few days to board and begin servicing my loan. When I called on XXXX at XXXX I spoke with a representative who took my checking info and provided me with a reference number for my payment. I waited about 8 days and the payment did not pull from my checking account. I called again on XXXX and was told that the payment was cancelled by the representative that I spoke with on XXXX since I requested the amount be different that the normal payment amount since I wanted to put an additional amount to principal. She apparently cancelled the payment and never told me that she did and gave me a fake reference number. The representative I spoke with on XXXX took my payment again and gave me a new reference number. They were trying to charge me a late fee. They ended up waiving it after she put me on hold for XXXX minutes to speak with a supervisor and after I told them it was not my fault they did n't set up my payment. I was also told by my previous lender that for the first 60 days of a loan being transferred there would be no credit impact or late charges. So I am not sure what to believe but I think the situation was handled very poorly.

Company response to consumer: Untimely response
Consumer complaint received 06/26/2016 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: During XX/XX/XXXX/XX/XX/XXXX the security of my XXXX XXXX GCs ( XXXX $ XXXX {$17000.00} ) funds loaded was compromised. 
On XXXX XXXX 2016 a PPD dispute and request for replacement cards were filled. 
I have received some random replacement cards, repeated FAX request for remaining balance and detailed statement / ledger copies by mail are ignored. This is my request for 'Refund Check ' of the remaining balance and detailed current statement..

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 02-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ca n't pull a free report from Experian without signing up for a XXXX Credit Report * FICO score AND it requires me to check a box to receive offers : Yes, send me important credit information and special offers from XXXX and other Experian companies.If I do not check this box, it will not process my request. I called the Experian customer service, and they suggested I go to XXXX. However, the same check box appears, and if I do n't check that box, *Yes, send me important credit information and special offers from XXXX and other Experian companies, I ca n't download the report. I do n't want to receive special offers and do n't want my email address sold.After calling Experian customer service, I was instructed to call back in a few hours, to XXXX, to request a hard copy to be mailed to me. This is very inconvenient process. Even if I did sign up for the XXXX dollar credit report, I would have to call back within 7 days, cancel my membership, but would continue to get emails from XXXX and other Experian companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX demanding verification of accuracy of the accounts and these companies only sent back letters saying it is verified but NEVER sent back any files that actually verified the accuracy.

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 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX XXXX social security number # XXXX DOB XXXX/XXXX/XXXX, I have talk with all three credit company 's about Identity theft of my account this was over 8 years ago and there are things still appearing on my account like hospital bills, student loans, cable service, bills, auto loans, mortgages etc. I have never own a home and I do not even have a high school diploma to even go to college let alone all these hospital bills and cars and cables and phone bills. If that person does not live in the state of Mississippi its not me and I will have a lawyer to step in if they do not resolve all this in 45 days I have been patient with them and their still letting some people still my identity I just had some one arrest in the state of XXXX  for stilling my driver license thanks to the XXXX XXXX XXXX for bring this guy to justice. And there are hundreds more still stealing our lives please help me. Thanks XXXX 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
Consumer complaint received 03/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have made my monthly payments as scheduled and above the monthly minimum. The monthly Minimum was XXXX because I was on an income based repayment plan, and I have been paying {$2000.00} a month. I have applied for a higher minimum payment based on new income, but that is still in processing. I have not missed any payments. Navient reported to the credit bureau that I missed payments on XXXX loans. Two separate Navient representatives I spoke with agreed with me, and told me that if I sent in a copy of my credit report, and my payment history the marks on my credit report would be removed. After sending the information, Navient informed me that they would not remove the charge from my report.

Company response to consumer: Closed with explanation