milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2015 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I 've repeatedly tried to file a fraud complaint with my Banana Republic XXXX XXXX serviced by Synchrony Bank. The fraudulent charges were made on XXXX XXXX, 2015. When I first tried to file my fraud complaint, I was told that I had successfully passed along all information and that an investigation would be completed. I repeatedly called asking for an update and was told that they could not provide an update and that I would receive correspondence regarding the investigation. Four months have passed, and I have now spent more than an hour on the phone only to be told that the fraud department never received the complaint, and that the fraud department ca n't file my complaint without the statements from that month, to which they do n't have access. I no longer have access to those accounts online, because the bank closed the account as soon as I reported the fraud and issued a new card. For reasons passing understanding, the bank 's customer service department has access to the statements necessary to file the complaint, but can not file the complaint for me, according to. And although the fraud department is the only department that can file the complaint, according to the fraud department, they do n't have access to the statements. And, when I called the customer service department to get the necessary information, I was told that they could file a fraud complaint, although I previously relied on this information when I filed my initial complaint, and was later told that this was inaccurate. 

In essence, it seems that Synchrony Bank is taking every step necessary to obfuscate and block their customers ' attempts to report fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called the collection agency ( AR Resources INC. ) and I told them that I did not have the full amount of {$290.00} that was owed but I wanted to know if I could settle the account for a lesser amount and if so I could pay that amount the same day. The representative told that I could pay {$180.00} and that it would be taken care of and that it would take 30 days to show the collection as paid on my credit report. So I thought that everything was taken care of. When I pulled up my credit report this morning, It showed that I did pay {$180.00} but it also showed that I still owe a balance. According to what the representative said, the debt is supposed to removed because of the payment that I made.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: In XXXX 2017, someone gained access illegally to my Serve account by American Express and proceeded to not only delete the funds in the account, which was {$72.00}, but also gained access to my XXXX Checking account which was used as a funding source to the tune of {$1200.00}. American Express refused to immediately close my account, as it was compromised. As a result, I had to close my accounts with XXXX XXXX and open XXXX different accounts, as my original accounts were compromised as well. American Express then blocked access to my Serve Account, responding that I had violated Section 16B of the Terms And Agreement. I have not received a refund for my account that was closed, nor did American Express protect my Serve Account from being hacked, and thus compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Foreclosure sale date of XXXX IS OF THE ESSENCEMy financial situation has changed, as of XXXX, that I can afford my mortgage. 
Request for a modification package on XXXX has NOT been mailed, emailed, XXXX, nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Experian lowered my overall credit score. When I called member services to find out why, they looked into it and could not find any reason for the lower score. They would not correct. Sent me to a financial advisor but could not talk to an advisor unless I bought and identity theft package. Nothing on the report no fraud alerts, late payments or new accounts to dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I called fedloan servicing on Wednesday. Once I was identified as a servicemember, they transferred me to a Military Team member. This person rattled off a list of services that were available to me a servicemember. I told her that I knew about them and was not interested in them and that I was calling about a credit verification letter only. On Friday morning, I received notification that my general forbearance had been approved. At no point was this ever discussed with me or requested. I called fedloan servicing. Their representative said that she removed it but that was all she could do, and that it might still capitalize my interest, as are the terms of the general forbearance. I spoke with a supervisor who said he would submit a complaint on my behalf internally but could not assure me that they would even listen to our phone call or do an audit of the other accounts this person worked on. Further, if my interest was capitalized then I would have to call and address it again at that time. I do n't know if this is a general practice for student loan borrowers identified as military members but I am concerned that it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX transferred the servicing of my loan. I was XXXX payments into a FHA XXXX payment trial. I have continued to pay my monthly mortgage payment to my new servicer. Carrington Home loans. My previous foreclosure with XXXX XXXX XXXX was supposed to be dismissed once I accepted the Modification. Last week I had to attend a hearing with my private attorney and the XXXX XXXX XXXX attorney. The Judge wants to advance the foreclosure. I am afraid of losing my home during the modification. Carrington mortgage needs to dismiss the foreclosure and get my loan modification completed. Pursuant to the CFPB bulletin XXXX Your agency was concerned about loans being transferred during the modification process and this is exactly what has happened to me. Please help me get this resolved so that I can keep my home. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My issue is three : ( 1 ) I do not believe the charges are legitimate. I have receipts indicating payments for service. ( 2 ) The bill that is claimed by the service provider is for service dating back to XXXX 2014. I paid in full. Also, there were no subsequent notifications that they believed I had an outstanding balance. ( 3 ) The collections agency sent me a letter stating their position with a contact phone number. When I call the phone number, it indicates, " for the states of Texas press XXXX ''. When I press XXXX ', the automated voice service says for the state of Texas they are not accepting calls or service is not available. It then provides me a second number to call. When I call this number, the automated voice message indicates that service is not available at this time for the State of Texas and for me to call later.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was a victim of fraud, I ask XXXX to fix the situation and was denied on multiple occasions. I asked XXXX who has been reporting this on my credit account for about 12 years now to stop. I asked for the original instrument of indebtedness in its original form and did not receive a response within the 30 days. I was then sent an altered document which did n't even has my proper social security number, not the original document I asked for in its original form. I contacted the three credit reporting agencies and pleaded with them to stop and they kept on reporting the negative inquiries on my credit which has affected me throughout the years. please help 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 03/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I recently received a copy of my Equifax credit report .the credit report showed a credit inquiry by XXXX XXXX that i do not recall authorizing .I understand that XXXX XXXX should n't be allowed to put an inquiry on my file unless i have authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with Evergreen Recovery Solutions, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I just received a call from a gentleman name, XXXX XXXX. He stated that he was a " Compliance Officer '' with the State of California. This gentleman also called my uncles business stating that i need to contact a different company in 24 hours or i will be sited and i will have to appear in court. At the end of this message he stated that i have been warned and have 24 hours to call back.

Company response to consumer: Untimely response
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen is telling Homeowners the wrong fax number to submit the RMA, both verbally and on the packet. Loss Mit number found on HAMP site differs. 
Fax number given verbally and on documents ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received Fico score on XXXX XXXX, 2017 from from XXXX with derogatory information on my credit report Equifax. I filed a complaint two months ago with you about this and the inaccurate information was removed. The score has dropped from XXXX to XXXX in the month of XXXX 2017. I have done nothing to cause this drop on my account, and I was unable to get a response from Equifax. I would like this matter to be investigated and corrected. Why is this continuous fluctuation with my account happening when there is nothing changing? 96 points is a large number to be taken down in a month without proof that something caused this to happen. I hope that we can get this resolved in a timely fashion for I am trying to purchase a home and this inaccurate information may prevent that from happening. 

Thank you for looking into this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Debt collection (Credit card) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dept is paid off directly to collection agency. I need assistance notifying credit bureaus and original debt owners. 
And also XXXX duplicated collection accounts on my credit bureau file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I was taken out of work due to mefical reasons and contacted my loan servicing company for options prior to falling behind on payments XXXX 2015 I 've exhausted all funds and now have fallen behind because I only receive a fraction of my pay. Wells Fargo is refusing workout options due to my previously having a loan modification. This is added stress the fear of losing my home with no options. I ca n't return back to a normal state of health not able to sleep I need help, asked for workout options, forbearance, repayment plan but they refuse there is no foreclosure sale date so there is time to review me but they refuse

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Fraud or scam

Complaint: I wanted to buy an account for a PC online game. The person who ' selling ( a guy and a girl ) scammed me and deleted me from XXXX. They promised to change the mail of the given account and after I sent the money they did n't change it. I waited days and days for their reply on the email situation but then they deleted me. They can take the account back whenever they want because they have the mail. Please help 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 06-09-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Have a mortgage loan with JP Morgan Chase. When I took out the loan three years ago Chase stated that I would be required to pay PMI due to putting down less than XXXX % on the home. I recently contacted Chase to inquire about having the PMI removed and was told I would need to have a Chase approved appraiser complete a new appraisal of my home. After paying Chase {$450.00} for the appraisal Chase informed me that I have just over XXXX % equity in my home, according to the appraisal, but they would not remove the PMI. Chase now says I must have XXXX % equity in the home, not the XXXX % they originally informed me of. I filled a complaint with the XXXX, which made Chase open a case, reevaluate my situation. I was contacted my a Chase employee after the fact who stated my documentation signed at purchase does state the PMI must be payed until I have XXXX % equity in the home, but then states its not very clear, and that Chase will not remove the PMI. Chase has attempted to blame the investor, saying they now require XXXX % equity. 

Chase has mislead the customer and is refusing to remove the PMI from my mortgage loan when I have over XXXX % equity in my home, according to their appraisal and documentation Chase supplied me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient would not contact me about my private loan, only my co-signer. Each time I would call they would indicated that I do not qualify for any modifications and that my address and contact number was incorrect. Navient charged off my loan XXXX 2016 without notice and has continued to contact my cosigner and not me, the primary borrower. They did not attempt to garnish my wages, manage any repayment possibilities or contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other fee

Complaint: I had bought XXXX items on promotional interest rates from XXXX which is Synchroney Bank. Well all the payments I have made to them none of the money has gone towards the promotional balances. The representative informed me that I was billed {$210.00} interest from XXXX of the promotions expiring & if I wanted any of the payments I had made to go towards the promotional balance I would of had to specify at the time I made the payment which was done through the automated system because if you do a payment through the representative it will cost you an extra {$10.00}!!! It also DOES NOT give you any option to allocate where your payment will be applied over the automated system which of course that 's what I use because it 's FREE!! They are horrible!! The customer service team hung up on me while I was trying to plead my case against the {$210.00} interest tacked on to my bill because they were n't applying my payments to that promotional balance! Then when I called back they kept me on hold 20 min. Horrible Horrible Company!! I cancelled my card since then & will never do business with them AGAIN!!

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 05/22/2016 about Debt collection (Medical) with Audit & Adjustment Co. Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My credit has been unduly affected due to an account not attributable to me. Thus I need to file a report of identity fraud. The creditor is : Audit & Adjustment Co. Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX United States Account number XXXX I have filed a police report as requested by the creditor and I am attaching it to this filing.

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 04/25/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: contacted eos to validate that the account was mine. they could not provide me with any information but they sent a bill to me. Asked them to remove but they still did n't.  XXXX  and  XXXX  has the incorrect birth year for me and I believe this belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (I do not know) with CITIZENS FINANCIAL GROUP, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this been going on for some time, MO AG office resolve this, as the debt not mine back 2012

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I filed bankrupsy in XXXX of 2014 and it was discharged in XXXX 2014. I got a garnishment that I was not made aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent letters to Midland Funding and XXXX to have the account information reported removed from my credit report due to it not being mine and that they needed to prove it was mine by verifying my signature and neither company could verify it nor even tried other than to send me a letter stating that my account was sold to Midland and yet they both are reporting on my credit report. If it was sold, why is XXXX still reporting it? Neither could verify nor have they deleted it from my credit report. I gave them 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX sent me in error to a debt collector XXXX XXXX XXXX for {$140.00} XXXX XXXX, 2015. On XXXX XXXX, 2015 I paid XXXX XXXX {$160.00} which included late charge. I spoke to XXXX on XXXX XXXX, 2015 at XXXX verifying that I paid this bill full. Then received another bill from for the same {$140.00} from another collector MRS Associates for the XXXX XXXX bill XXXX {$140.00} XXXX. I tried several times to call MRS Associates on XXXX XXXX,2015 and XXXX XXXX, 2015. The phone tree takes me to the point of waiting to speak with a representative then disconnects me every time. This very frustrating and seems like a scam. I need some help. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation