milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In XXXX of XXXX, I enrolled in a XXXX with XXXX of NJ ( now XXXX University ). It was a new program and I along with a handful of other students were the first inaugural class. The program was described as a XXXX program for highly qualified legal students. Further, we were told that the program would eventually be XXXX ( XXXX ) certified. However, the program was first " downgraded '' to just requiring an XXXX and then eventually discontinued in XXXX as no " profits '' were being earned by the institution. Only XXXX students completed the program over four years and there was never an XXXX approved process. This has made the certificate, which I originally paid over {$16000.00} for, useless. I now owe over {$18000.00} with interest and have been making payments for over 6 years. I would like the institution to refund me the original amount plus interest since the school no longer offers the certificate and since it was never XXXX approved, which most employers want in a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I am writing you concerning that fraud were committed at XXXX 's Store  # XXXX, XXXX XXXX FL. 
XX/XX/XXXX I came in to this store and made a CASH payment toward my XXXX 's XXXX account for the amount of {$1300.00}. 
That amount reflects on my monthly statement. However also is showing on my statement an Adjustment/charge for {$900.00} on XX/XX/XXXX in the description Field it says Payment. 
Therefore the payment of {$900.00}. was reversed without any action on my part. 
I have already attempted to resolve this problem at XXXX Store, filed incident report with customer care department, and dispute transaction with XXXX XXXX. XXXX store is stating that they have done nothing wrong and sending me to the XXXX XXXX. XXXX XXXX is sending me to the XXXX. 
Unfortunately, the problem remains unresolved. I look forward to your reply and a resolution to my problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Credit card) with Credit Card Receivables Fund Incorporated (NH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unifund CCR , LLC has filed a lawsuit against me for an alleged debt they claim to have purchased from Pilot Receivables Management , LLC, which they claim it has been originated from XXXX XXXX. 

The documents they have provided do not show how the alleged amount was calculated or proof of ownership or transfer from XXXX XXXX to Pilot Receivables Management , LLC or from Pilot Receivables Management , LLC to Unifund CCR , LLC. 

They have provided XXXX bills of sale ; XXXX between XXXX XXXX and Pilot Receivables Management , LLC, which states that accounts in " Exhibit XXXX '' were sold/transferred to Pilot Receivables Management , LLC, however there is no accounts listed in Exhibit XXXX as the entire document has been redacted. XXXX bill of sale is between Pilot Receivables Management , LLC and Unifund CCR , LLC, which states that all accounts in " Attachment A '' were sold/transferred to Unifund CCR , LLC however there is no Attachment A provided. 

They have also included XXXX statements, seven months apart, from XXXX XXXX, however nothing shows how the alleged amounts were calculated. 

Moreover, Unifund CCR , LLC sent me a collections letter on XXXX XXXX, 2016 attempting to collect this alleged debt, but the bill of sale mentioned above between Unifund CCR , LLC and Pilot Receivables Management , LLC was generated XXXX XXXX, 2016. 

Furthermore, on XXXX XXXX, 2016 I sent a debt validation letter to Unifund CCR , LLC and on XXXX XXXX, 2016 I received a letter from the law firm XXXX , XXXX XXXX XXXX, attorney to Unifund CCR , LLC, stating that the debt was owed to XXXX XXXX and they were asked to collect. On XXXX XXXX, 2016 the law firm sent me the documents mentioned above per my debt validation, including a letter stating that the Plaintiff was XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I 'm not sure if my address keeps being changed due to the Equifax breach, but I can never access my report due to my information not matching what Equifax has on file. I have had to contact Equifax numerous times to ensure that my credit report reflects the correct information. I can not properly monitor my Equifax report when my information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: Subject : XXXX and XXXX XXXX 's Account Number XXXX This letter is to dispute the correspondence dated XXXX XXXX, 2016, where XXXX XXXX with Wells Fargo Recovery Group determined our account was handled appropriately and he found no errors in servicing our account. 
I respectfully, XXXX XXXX can in fact prove without a reasonable of a doubt that Wells Fargo Loan Mitigation department and the assigned loan modification rep, XXXX XXXX, misplaced legal documents needed on our account and ignored numerous incoming phone calls / voice messages requesting confirmation on the requested documents needed to proceed with my loan modification request. 
I am asking this denial be over turned and reopened as well as all phone logs/records to show I did in fact call multiple times and left multiple messages on XXXX XXXX voicemail of which all were ignored. To refuse to reopen this matter is wrong and would amount to predatory lending practices and a violation of the lending laws. 
Please advise as soon as possible if you are agreeable to rethink your denial letter in getting back our home and to avoid further legal action here on our part. We have done everything asked of us and in a timely manner. This was my second time to request a loan modification with the first time being fully completed with no issues or missing documents. In addition, I have all backup paperwork sent in to Wells Fargo and phone logs recorded on all conversations that were answered and not answered by XXXX XXXX. I look for your response soon and If you need anything further, please contact me at XXXX or email me at XXXXXXXXXXXX

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: This complaint is a follow up to complaint #  XXXX . You have stated that the you have " verified '' the bankruptcy. Please provide the following information  : 1.  The name of the person you spoke to  at the county  clerk.    2.  The date you spoke to this person.   3. Provide a copy of the motion provided to the court to reveal my social security number concerning the bankruptcy.    4.  If you are using  XXXX   XXXX , I have a suppression filed with them.  <P/> If you can not verify with undeniable proof, you must delete this from my bankruptcy.  <P/> Violation of the FCRA and FDCPA in this complaint will result in my filing a lawsuit against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Non-federal student loan) with DISCOVER BANK (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call at XXXX on XXXX/XXXX/16 from XXXX XXXX XXXX . The woman stated that she was calling to collect a debt and when I proceeded to ask questions about where the debt was coming from. She asked if I filed for bankruptcy and if my co-signer had filed which was odd because I have not filed and my mom had filed in the pass which has nothing to do with my current situation. I asked again what company was this from. She said XXXX which is the originator but it actually is from Discover Student Loans. She told me that she wanted to get this resolved or else wages will be garnished or they will have to sue. I was so upset because I have never heard this before and this was my first time communicating with anyone from XXXX XXXX XXXX. I told her that I will let my lawyer know and he will be in contact. She persisted to try and get my lawyers contact info and I repeatedly told her that I will let him know to contact them. She was n't satisfied with the answer but I finally was able to end the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (MO).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX I spoke to XXXX in the universal fraud department at Synchrony Bank about a fraudulent XXXX Rewards application that was submitted under my name. She stated that she would have it closed down, a fraud file created in their system, and a deletion request sent to the credit bureaus. She questioned me about my legitimate Gap, Banana Republic, JCPenneys, and Sam 's Club accounts. I informed her that those were mine and not fraudulent. 

I received a letter from Synchrony bank on XX/XX/XXXX that these XXXX legitimate accounts were closed down. I then spoke to a XXXX in the universal fraud department who confirmed that the accounts were closed down on XX/XX/XXXX and that it would take 7-10 business days for the issue to be cleared up before new cards could be reissued. 

On XX/XX/XXXX I spoke to XXXX who claimed to be a manager in the universal fraud department. She stated that they would be sending a notification to the credit bureaus informing them that the accounts were closed due to an error on their part. She also mentioned that this should not only have them reopen the accounts, but retract any derogatory information that would have been/has been reported due to this. 

Around XX/XX/XXXX I received a letter from Synchrony notating that they took me off of my husband 's BP account ( I was an authorized user ). I contacted them and they stated they would correct it. 

I received another letter from them dated XX/XX/XXXX notating that a fraud investigation was being done my Gap account. Around XX/XX/XXXX spoke to XXXX in the customer service department in the XXXX office who stated that there were 4 letters mailed out to me ( one for each legitimate account of mine that was shut down ) that listed recent charges. I was to mark which charges are legitimate and mail it back to them so that they can be reopened. I found it strange that I was being told this now, despite me speaking to MULTIPLE representatives and a supervisor who told me that there was nothing to be done on my part. 

On XX/XX/XXXX I spoke to XXXX in the universal fraud department who transferred me to XXXX, and account manager, in the XXXX. XXXX mentioned that she sees that these accounts were previously, accidentally claimed as fraud and that I would need to speak to the fraud department. I spoke to an account manager in the investigations department named XXXX. She stated that I did not have any work to do on my end and that I would be receiving a letter notating that the accounts were legitimate in 5-7 business days. Here we are exactly 2 weeks later. I have not received the letter XXXX promised me. My legitimate accounts are still closed. I would like this mistake corrected. It 's been almost 2 months now and nothing has been done.

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 09/26/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been receiving unsolicited phone calls from a company called Diversified Consultants that does not identify itself. They contact me using different incoming phone numbers and never leave a message. After doing reverse phone look-ups, they appear to be some kind of " Commercial Recovery, Self-Service Technology and Pro-Active Outbound '' agency. I have not received written notification via the US Postal Service or email as far as why they keep calling me. I do not owe money to anyone personally or commercially and I am not interested in self-service technology or pro-active outbound activities. One website states this company focuses on telecommunication debt. Huh? I have cell phone, landline phone, internet and TV service that has never been cut off due to unpaid bills. 

I want this company to STOP the harassing phone calls to my personal cell phone. 

Dates and times of the unwanted calls : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not able to retrieve previous phone calls from this company on my cell phone. This company will not stop calling even when I block their various incoming phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Medical) with Broward Adjustment Services (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had insurance at the time the appointment was made and I would like for XXXX to stop coming after me. Because I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (FL).
Issue: Settlement process and costs

Complaint: my father passaway XXXX this year. unknown to me he had a XXXX mortgage that he paid religious for XXXX. as soon as he passing the mortgage start writing about forcloure. i now live in his house and is on XXXX. my father pass away with XXXX. he would not sign a contract with pathetic interest rate.the use to do people tax return ; he would not sign that contract if he was in is right mind.BOTTOM LINE I THINK THEY TOOK ADVANTAGE OR MY DADDY.i was his caregiver ; and i am his son. i am awaiting for his medical records to see when he was diagnois with XXXX. i talk to the vet hosital today and they told me it is in delay

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Medical) with Business & Professional Collection Service Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To whom it may concern, On my last visit to this office ( XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, the doctor made some confirmation and told me that everything would be covered by my health insurance and I only had to pay the copay, and that was why I agreed to have the procedure done. I came to front desk and made the copay payment and even asked them if I owed anything else. They confirmed that I dont owe anything else. But I just checked my credit report, I have a debt collection from them of $ XXXX.This is affecting my credit score. I request this tobe resolved since it 's the wrong amount posted on my account. My balance should be {$0.00} and I should not owe them anything I called their billing office/ collector to try to resolve this. They were mean, disrespectful, used profane or abusive language to me and said I still owe the amount and they refused to do anything even calling my health insurance, even though the documents on my health insurance profile say I dont owe them anything except the copays which I already paid at the visits. She also sounded like it was okay for them to lie and misinform their patients including me ( that I didnt have to pay for the procedure ) so that I will agree to do the procedure I called my insurance and they told me to call the doctor billing office and tell them to call my insurance but they refused to do it. They refused to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Account opening, closing, or management

Complaint: In XXXX of XXXX an account was opened at Wells Fargo in my name using my address. A check for {$12000.00} from the District of Columbia for a tax return for XXXX was depositied and then withdrawn via the ATM in a span of five days. There are only three people in the country with my name. I had a mortgage account with Wells Fargo but no bank accounts. Wells Fargo did not adequately take measures to prevent this identity theft and my total loss of this tax refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: Hi, I have been a citi card holder for many years. Just XX/XX/XXXX, I paid my card on Monday instead of Friday, while I always pay off my card in full. They hit me with {$770.00} for a balance of roughly XXXX. I have called them many times, they tell me there is no one to talk to. 

THERE IS NO ONE TO TALK TO, THIS IS RIDICULOUS!!!!!

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 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I referred my friend to apply southwest credit card at XXXX XXXX XXXX, which should be considered as proper channel. I tried twice to send email to her through the system. Maybe because her email address is in our email opt-out database, no email will be sent. Anyway, she applied the card use the same email and got approved. But I did n't see the bonus point posted to my account which suppose to be XXXX bonus points. Thus, I sent few emails / called to ask. Then, Chase asked me to provide my friend 's information, including name, address, credit number etc, and asked me to wait for the credits to my account. I waited and no respond anymore since XX/XX/XXXX. Then, I filled this complaint form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-09-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, XXXX, and Experian ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX XXXX XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Experian since you told me to file separately against each credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with Prince Parker & Associates (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On   XXXX   XXXX   XXXX     at approximately  XXXX   XXXX  time I received a voice mail from (  XXXX  )  XXXX  the caller identified himself as   XXXX    with  ext  XXXX . I called the number  (   Prince parker and associate 's in g. ) I was transfer to the collector  XXXX  the collector informed me that I had a bill from  XXXX   XXXX   XXXX  in the amount of  XXXX  USD he ask me how did I want to pay the bill. I told him that i needed to log in to my account with  XXXX   XXXX   XXXX  because i tough i paid my bill I 'm currently an  XXXX   XXXX   XXXX  customer and did not remember getting that bill, I check my account and yes I did have a balance in the amount for a recent closed account. The collector was persistent that pay the bill over the phone he advised me that my account was turned over to them on   XXXX   XXXX   XXXX    , I informed him that I did not feel comfortable paying over the phone since i did n't receive a statement from them, He insisted that he had all my information and confirmed my new mailing address and told me he had my Social security number and recited the last four of my social security number  I  asked him how come they never sent me a collection letter with my debt information and he claimed they sent multiple letters to collect. I then asked him how it was possible since they received my account 3 days ago, i told him i did not have a problem paying as long as I get a statement, I informed him that by law they had to give me a written notice a statement but he refuse and told me he was not going to argue with me and that he could not help me and he cut the conversation. I have no problem with paying my bill in was an oversight on my part, my responsibility is to pay that bill but i feel that your company is violating my rights under The Fair Debt Collection Practices Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: Because Equifax let XXXX XXXX ( including my own ) social security numbers out into the wild, there should be a 1 year reprieve on the cost to freeze/thaw credit. I had no choices in picking the credit bureaus so now I should not have to pay because XXXX of them made a giant blunder.

Company response to consumer: Closed with explanation