milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: APR or interest rate

Complaint: I was at my XXXX was XXXX and my bill was high, they offered me carecredit company they said to me it 0 interest for 6 month and i did signed up. 
I was making payments every month but wasnt enough to finish all the amount i took from the card. 
After the 6 month 0 interest pormotion finished the company has charged me over XXXX dollars almost XXXX for the first 6 month which is the pormotion period. 
How come its pormotion and 0 interest and now they say cause i didnt pay in full before 6 month they charge me past 6 month which should be 0 interest. 
They scame they didnt explain this when i signed up for this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Closing/Cancelling account

Complaint: I am XXXX XXXX military currently XXXX. I XXXX in XXXX and as of XXXX am still XXXX. In XXXX Chase says they sent a letter saying I needed to contact them or they would close the account for non-use. In XXXX, they closed the account. I only discovered this when my credit monitoring service notified me that a change had happened to my credit profile. I tried contacting Chase and explaining that I was on military XXXX and did not receive the letter nor have any opportunity to respond to it in the time allotted and requested that the account be reinstated but they refused to discuss the account with me and continued to put me on hold, presumably to transfer me to somebody who could help, and then disconnect the call. I have been a customer with Chase for more than 10 years and have never missed a single payment. I also have XXXX other credit cards with Chase as well as a home mortgage. I have never had a late or missed payment, and my credit report has a perfect history, so there is no valid reason why they closed my account. Any lack of use recently has only been due to frequent XXXX. I even asked specifically to speak to the " Military '' department of Chase, who is supposed to specialize in helping service members, and I was gain put on hold and then disconnected, never being permitted to speak to anybody.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Payday loan () with Ad Astra Recovery Services Inc (CA).
Issue: Payment to acct not credited

Complaint: I received a settlement letter from Ad Astra Recovery Services for a payday loan through XXXX XXXX stating that they were willing to settle with me on a past due balance. I contacted them and they agreed upon the settlement. I asked during the settlement process if the items could be removed from my credit report. The representative stated that it is n't something that they normally do, but she would check with her supervisor. She came back to the line and stated that her supervisor agreed to remove the account from my credit and o should see an update within 30 days. This happened in XXXX 2015 fast forward to today and the item still is n't removed from my credit reports. I called in today and spoke to XXXX who said that she did n't see the notes where the account would be removed, I asked if the calls were recorded and she said yes. I asked her to listen to the call. She put me on hold, and said she needed to speak to her supervisor. She then came back to the line and said her supervisor looked at the notes on the account and said she did n't see any notes supporting what I was telling her. I then asked well I thought you were putting me on hold to listen to the actual conversation because that would supersede whatever the rep documented if she told me one thing and then documented another. She came back to the line and said she was transferring me to the supervisor. I was instead sent to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 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: A company called Transworld Systems Inc. sent me a letter in the mail claiming I owe {$560.00} to the OKLAHOMA TAX COMMISSION. 
I looked up this company and everything that comes up about them looks like they are a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (MS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Franklin Collection Company out of XXXX, MS , has been given a medical account that I do not deny I owe. I 've made several {$100.00} payments on this account to the original debtor. Admittedly, I fell on extremely hard times lately and have not made the {$100.00} payments in several months. The balance is now XXXX. Franklin Collection Company demanded XXXX down and a monthly payment of XXXX. I explained that I can not pay that amount. They then suggested that I pay XXXX installments of XXXX and the XXXX and said this was the best they could do. Otherwise, they would have to forward the account to legal for wage garnishment, etc. I reluctantly agreed to the XXXX down, even though I can not afford that. They sent an e-mail contract for me to sign that still reflected the XXXX down. When I replied to the e-mail that this did not reflect the terms agreed upon by phone, the reply was that the mailbox could not be accessed. So, how was I to send the signed agreement in the first place? From there, they have called my parents home, my job and my cell phone - even though I expressly asked that both my parents number and my work number be removed. I am a single woman, paid once per month and paying out of pocket tuition expenses for completion of my XXXX degree among other expenses. I can not afford the down payment terms. I 've expressed that to no avail. I need some assistance in dealing with this persistent harassment from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX, 2017, my phone and wallet were stolen while I was out eating dinner with a friend. By the time I was able to track down my stolen phone, I realized there were multiple fraudulent transactions on my XXXX account sent to an unknown user. 

There were a total of five XXXX transactions with a total of {$2000.00} sent to this unknown user. I have attached a screenshot of these transactions below. 

Once I saw these transactions, I immediately contacted my bank, reached out to XXXX, and even filed a police report. I will attach the detailed police report below. XXXX was able to stop the transactions so that the money was not taken from my account. However, XXXX is currently threatening to send collections on these fraudulent transactions. 

XXXX was initially helpful and was on my side while I was submitting my claim over the phone. However, after further review, XXXX is now threatening to send collections over transactions I did not make. XXXX claims they were not able to locate evidence of unauthorized access to my XXXX account. I was told to just reach out to the person that sent these transactions on my phone and ask them to send the money back. However, I clearly am not able to do so as I have no idea who this person is or how to contact them. They even went to the extent to change their username on XXXX  after sending the money to their account. 

I am financially responsible, and I have never come across any issues like this before. I have gone to great lengths trying to take action against this act of fraud, but XXXX is still threatening to send me to collections. 

I have attached these files below : -A list of the fraudulent transactions on XXXX ( before and after the username was changed ) -XXXX confirming the transactions were intercepted -A police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Arbitration

Complaint: I canceled a previously booked room in XXXX XXXX more then 45 days before arrival. 
The company XXXX XXXX XXXX tried to say it was not refundable even thought they advertise full refund if cancelled more then 45 days in advance. 
Citibank originaly credited my account after I filled a dispute with them on the charges. 
Then XXXX XXXX XXXX sent them paperwork telling lies. I sent Citibank supporting documents showing the lies and they contacted XXXX XXXX XXXX. Since they never responded back Citibank closed the case with me not recieving any 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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX/XXXX XXXX : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2016 about Debt collection (Credit card) with Central Portfolio Control Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recieved a call from a girl named XXXX. XXXX Company is : Central Portfolio Control XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MN XXXX TEL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX Advised that she is a " licensed debt collector ''. Stated I owed over {$500.00} to a XXXX I opened up back in XX/XX/XXXX and closed it XX/XX/XXXX. I asked for the CC company 's name and she would not give it to me. I then asked for more information to verify if I actually owed money but she became aggressive and insulting. The call ended quickly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MO).
Issue: Credit decision / Underwriting

Complaint: I have XXXX joint mortgages ( I accumulated with my ex-wife of almost 20 years ) my credit report and I only own XXXX home. On XXXX XXXX, 2011 I was amicably divorced without legal representation.My divorce decree clearly list XXXX of the mortgages as the debt of my ex-wife. Number XXXX was gifted to my ex-wife and there is a quit claim deed on file. I have no ownership and yet I am being held hostage whenever my credit is reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a request for payment of an account that was placed in collections for which I 'd never received a bill. I was never notified that I would be required to repay the tuition reimbursement I received from a former employer, XXXX XXXX, nor was I notified that this 'debt ' was getting sent to a collection agency.

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 09/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Prospect Recovery Solutions LLC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was sued by my wife 's father for money he loaned us in XXXX. I lost my job in XXXX when he sued. I did not go to court because it was not feasible. he Sued me in XXXX and was granted a judgement. XXXX XXXX hired a company Prospect recovery solutions. I got a call and he said I do not owe XXXX XXXX anymore but I owe him. I had no idea who this individual was. I asked him not to call me anymore. So he called my wife and contacted her by XXXX. Then he sent letters to the house, addressed to my wife. They are threatening letters. I am in possession of all. XXXX XXXX XXXX also contacted my Job. He talked to the HR Director XXXX XXXX and was asking personal questions about me. She did not answer any of those questions. I am very afraid because he threatened to come to my house. I have an attorney, to see what my rights are. He has pulled my credit report without my permission, he somehow knows what is on my tax return, and he has also reached out to my home town and has tried to cause disturbance there according to his letter that I have in my possession. I am afraid for my life and I hope someone can stop this indivdual.

Company response to consumer: Untimely response
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Dealing with Ocwen loan servicing and have been denied loan modification and multiple sending of paperwork and struggles with them is discouraging. I ca n't afford an attorney to do my modification for me, if I could, I probably would n't need a modification. They are crooks that just try to string people along and force foreclosure. my income was reduced due to hours cut at work from 40 to 30 and I could pay a modified payment. Denied and not helpful at all with any suggestions.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (CT).
Issue: Trouble during payment process

Complaint: RE : Complaint # XXXX filed with CFPB on XX/XX/2017. 

CFPB closed my complaint in error after receiving a response from Wells Fargo in error. The response provided by Wells Fargo only provided information regarding the terms of the HELOC. The concerns provided in my complaint were not addressed. 

The subject of my complaint were not addressed in their response. My complaint referred to payment installments of XX/XX/XXXX and XX/XX/2017 where the entire payment was only applied to principal. In reprocessing these payments, serious errors occurred and they said the XX/XX/XXXX payment was pass due by 23 days and that the XX/XX/XXXX payment was still due. Wells Fargo also notified the credit bureaus of the past due amount. Refer to the information initially provided in this complaint. 

Please either reopen the original complaint ( above number ) or open a new complaint to address the errors and issues by Wells Fargo that were never addressed in their response.

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 03/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion is reporting a dismissed Bankruptcy that is damaging my credit and opportunities of new credit as if the Chapter XXXX Bankruptcy is completed. I am XXXX and have been denied affordable and accessible housing with this as a factor. Credit has been refused because of this. When I contacted the agency they said contact courts they are responsible. I received a letter from the courts after inquiry stating that they are not reporting. This is already public record and they do not report to any credit bureaus. I am being penalized as if this Bankruptcy actually went through. I filed papers in XX/XX/XXXX/2011 and it was dismissed in XX/XX/XXXX/2011 due to my inability to follow through because of declining health and insufficient debt. I am receiving the same punitive treatment as if I had followed through and none of the forgiveness of debt or relief.

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 05/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had an in k Chase credit card and called to pay off the balance and close the card. I asked the cha se rep how much I would need to pay off in order to close the card and was given a payoff amount.     Following my payment, an interest charge a month later was charged to my account of {$9.00}. I did not know about this because i closed the account. This {$9.00} then got assessed late fee after late fee and was reported to my credit as delinquent. I now supposedly owe over {$200.00} on this closed credit card.      Chase has ad mitted that I called to payoff balance to close card but will not correct the issue. THey claim I should have known to ask about future interest - even thought I asked what I would need to pay off to close the account!     The payoff happened in   XXXX   XXXX    2016  and I am still being harassed about this balance and it is negatively affecting my credit.     Here is a transcript of the message left for me today : Hi good afternoon this messag e is ______ my n ame is  XXXX   XXXX  from  Chase  card services returning your request for a phone call. You have given us permission to give a detailed message which we are following up with your concern on  XX/XX/XXXX  about your ink account that is now closed more specifically about the fees that are in the credit report um now it was suggested to us that you were provided incorrect information at the time that you made your payment and you requested to include all future interest as well at the time of the call and that what we were actually able to confirm on the date of the payment in  XX/XX/XXXX  was that you did request to close the account and also request to pay off the balance which the specialist proceeded and processed the payment for accordingly. what we were able to confirm was that there was no discussion for any related to the fees there was no questions if you would be if there 's any fu ture ____ ____ ____ going to communicate that through your monthly statement __ ___ ___ ___ call r eview ____ we were able to determine no missed information _____ at this point your account is   XXXX   delinquent and he stil l have _ balance of {$130.00} that is still required please know what you do set aside this balance _________ will be a subsequent balance ____ interest that when __ called residual interest that will still be assessed ___ at the closing of your cy cle date _____ __ this case __ ___ paid on time they will be  XX/XX/XXXX  again we are aware that you are requesting to have these ________ __________ the cred it _________ correct based on our research which will be documented on the _______ there was no evidence of anything ____ ____ __ apologize _____ not able  to speak to you at this time but if you do need to follow up we have supervisors availa ble 24 seven  at  XXXX   ___ the number __ any back of your active check account thank you for your time ___ h ave a wonderful day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Debt collection (Auto debt) with DriveTime (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: My credit report reflects a collection account owned by XXXX XXXX XXXX, whom is not licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: i am currently in bankruptcy chapter XXXX awaiting discharge. The company Bayview Loan servicing acquired my account at the same time the bankruptcy final payment was made. They have been holding up this process for 11 months with no explanation. Every time they continue the case in court, I 'm required to continue to pay the higher mortgage cost due to an escrow shortage which was paid completely months ago. Since then, they have continued the case every month. They now are claiming i have a escrow shortage of {$460.00} however, I 've made XXXX payments ( {$430.00} toward escrow/mo ) since the original escrow from last year was paid off and they have not applied any of those payments to the current escrow analysis. Once I 've provided docs proving i do n't owe them anything, they then claim i owe them 3 month payments of XX/XX/2014 which i have also provided them and their attorney with the check copies. They have been bouncing back and forth between the escrow shortage and the XXXX payments. I have made every single payment and paid off the previous escrow shortage. i feel they are prolonging this on purpose to get an additional {$270.00} roughly from me every month. i do NOT owe this company any money. They have continued XXXX court hearings and can not provide me with proof that i owe them while i have been the XXXX to provide all the documents proving my side. i want my account adjusted properly and any overage be applied to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (SC).
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 ask this creditor to provide me with documentation that i agreed and sign a financial obligation to pay them the amount they are reporting. I ask them to show me detailed notations of how the balance they are reporting was configured, including notifications, dates, invoices, receipts of damages paid. I sent 3 certified letters to this company, the first one was sent off on XXXX XXXX, 2017. The collection agency is not the original creditor, i 've reached out to the original credit as well but no no response. I 've asked for validation not verification, and a timely response, under the guidelines of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company response to consumer: Closed with explanation