milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Money was not available when promised

Complaint: Per my conversation with CFPB on XXXX/XXXX/15, I am submitting a new complaint based on my original claims and allegations against Bank of America, but will be providing new/additional information, such as a better Bank of America contact to reach out to, i.e. preferably outreach to Bank of America 's CEO/Corporate Headquarters versus a random consumer resolutions center.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Experian is reporting  XXXX  negative amounts that are  all 7years or  more old.   I have spoken with them in prior months and they verbally agreed to remove them from my report to this date they have still not been removed. These accounts are as follow  XXXX   XXXX   XXXX  ...  .30 day la te  XXXX   XXXX   XXXX  ... ... ...  ..30 day la te  XXXX    XXXX   XXXX   ... ... Collection  XXXX  ... I have no idea who this company represents  XXXX   XXXX   ... ... . .. ... .Collection ... .rep  XXXX   XXXX    XXXX   XXXX   XXXX   who admits that the collection came to them with NO MONEY owed attached to it ... yet he claims that he is unable to remove it nor can he  XXXX   XXXX   XXXX   XXXX  and ask why he was sent my information  XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 09/22/2017 about Debt collection (Other debt) with Synergetic Communication Inc (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Synergetic Communications claims I owe XXXX to XXXX XXXX, XXXX of this debit is a fraudulent charge from XXXX OF XXXX on XXXX XXXX, I disputed the charge several times, I was given a provisional credit while in dispute and later told the credit is permanent as case was closed by an investigator. XXXX XXXX later turned around and reversed the credit, took it back out of my account. As stated in claims filed, I have not done business with XXXX OF XXXX, do not own a XXXX. The only proof provided by XXXX XXXX is a forged credit card authorization form, the signature on form is not mine. There are also several overdraft fees stemming from credit reversal, each in the amount of XXXX each. About 100 % of this debt, XXXX, is questionable due to fraud and overdraft fees stemming from it. Please advise Synergetic Communications I refuse to pay this debt and complaints were filed with XXXX XXXX about this matter, still unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Billing disputes

Complaint: In XXXX XXXX, American Express posted charges on my account of {$1700.00} and XXXX which on our about XXXX XXXX, XXXX communicated would be reversed. These amounts were not reversed and I had a significant credit balance on my account which remains over {$100000.00}. The account is closed and I have been regularly following up on the reversal. Each time the representative has indicated they need to do further research and I needed to be patient. I have spent more than 20 hours in the last 60 days on hold while waiting for resolution and working with multiple supervisors to pull the recordings in order to reverse the charges. I received a good faith credit of {$500.00} so the remaining credit outstanding is {$2100.00}. American Express has held my personal funds more than 8 months and the credit balance is greater than {$100000.00}. They will not resolve the reversal of the fees and continues to hold my credit balance. They indicated on multiple occasions they need to investigate but they never follow through. They indicate they will call me back but they do not. I have several supervisors names and extensions who are researching. They are extremely apologetic on the phone and express the empathy for my status but do not resolve. My credit score is greater than XXXX and I pay my bills monthly in entirely. I do not have any interest charges on any credit for more than 20 years so this Amex Charge is completely unfounded. 
After spending 4 months contacting Amex regularly, I have no confidence this will go for many more months. There is no incentive for them to resolve my account. I have cancelled all cards with American Express because of this experience. 
How do I get to the right team member in AMEX to complete the reversal of the inaccurate charges on my account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/14/2016 about Debt collection (Credit card) with Global Recovery Solutions (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Company stated number on caller ID was a 3rd party tracker process server. Refused to provide company name when calling, when requested, or when contacted by phone. Stated Company Name was " Global, that 's it ''. They stated they owned the dept and called XXXX.

Company response to consumer: Untimely response
Consumer complaint received 10/30/2015 about Credit card () with PAYPAL HOLDINGS INC. (IL).
Issue: APR or interest rate

Complaint: Misled on credit terms ; paypal credit advertises special financing but makes no mention of it 's applicable time frames and whether or not it 's applicable to a current purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I started getting calls years ago and receive a recorded message at least XXXX times a week. 
They were originally calling for someone else that we did n't know. We had asked them multiple times to stop calling and explained that they had the wrong info. So when the calls kept coming I again asked them to stop calling and that we had already told them they had the wrong number. The agent then explains that they are not calling the wrong number or looking for the wrong person. She goes on to say that I have a balance of XXXX from a XXXX 's XXXX credit card. At that point I just kind of laughed and told them they might want to check their facts. I never had a credit card from XXXX 's XXXX neither did my wife. I told them if I had signed up for a credit card there must be an application with a signature and a social. I do n't use credit cards I have always used a debit card. And just recently applied for a credit card a few days ago. I told them to put me down as a dispute and that I would not be paying someone else 's debt. I ran a XXXX. I 'm aware of the laws pertaining to collections. I have n't bothered to deal with them again. They are only interested in trying to collect the debt not validate it! And the amount reported on my credit report is nowhere near what they had called about. My personal information has been compromised more than a few times. I have even had my credit card used overseas and online accounts set up with my debit/credit card. So there is no telling where this debt originated but it is n't mine. Any information or help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (NJ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This company has not provided any information that this is my debt. 

They keep sending notices, but have not proved that I 'm owner of this debt. Provide paperwork that I am the owner of this.

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 02-11-2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I filed online dispute XX/XX/XXXX. Contacted XXXX with certified mail included documentation that was signed for XX/XX/XXXX by someone at company. Requested validation of debt in letter XX/XX/XXXX. No contract with this company must remove debt from credit file ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: My wife and I have been trying to get an answer to a simple question for 6 months now : can we get a PACE loan from the county without defaulting our existing loan? 

XXXX different customer service reps have all promised resolutions with a week but none have delivered any results. Requests directly to the loan agent, " special loans '' department, and the loan information mailing address have all been completely ignored. 

This is a simple yes or no question that apparently nobody knows the answer to.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX I applied for a Student Loan with XXXX as a Cosigner for my daughter. The rate I received was quite high ( around 8 % ). I asked that if I paid down my student loan and re-applied could I possibly receive a better rate. They said yes, so on XXXX/XXXX/15 I paid a substantial amount towards my student loan ( XXXX - XXXX ). The following week I called TransUnion to see if my record had been updated. I was informed that no and I called XXXX back and it was suggested to me to put in a dispute with the credit bureau to try and make the process go faster. I put in a dispute with the Credit Bureau on XXXX/XXXX/15. I was also informed by XXXX that the balances would be sent for electronic update on XXXX/XXXX/15. I was assured by Transunion that because the amounts would be sent electronically, they be updated immediately. I called TransUnion on the XXXX and XXXX of XXXX and the amounts were not updated. I called XXXX and they assured me that the new amounts were transmitted on XXXX/XXXX/15. On TransUnion 's end though, they showed the new amounts were not transmitted. I talked with managers at both TransUnion and XXXX and neither parties were willing to talk with each other to resolve my issue. In the mean time, I am late on paying my daughter 's student loan ( it was due XXXX/XXXX/15 ), I am stuck with a loan application with a high rate, and my options for recourse are barred by both XXXX and Transunion. Please help. My daughter really wants to go to school and give back to society and it would be a shame that she is held up from doing so because of this financial quandary I am stuck in as her parent trying to help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: An incorrect previous address is appearing on my credit report. I fear identity theft as a result of that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: EXPERIAN refuses to delete incorrect variations of my name and address despite my repeated requests to do so as well as providing documentation to them again and again. They refuse to list the XXXX XXXX on my address and have placed the statement " High Risk address because it has pertained to a business or was used as a mail drop or a delivery service. '' This is because they are confusing the business and Post Office in the LOBBY of my building with my condo!

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loans are so out of wack. I was XXXX and I called and informed them and I feel they should correspond correctly and handle each case. It 's been so frustrating. Please help I totally do n't understand I 'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went on Equifax website to get my free Credit report. 
I went through all the steps and the site said ; it could not give me the free report. 
I went on the site the next day and the site told me that I already got my report and If I wanted another report it would cost me. Again, I never got the report from Equifax. 

I went to XXXX and XXXX online sites and I was able to get and print out my reports. However, I have a name error and address error on XXXX and XXXX reports. Also, I still have to send them a letter to get the errors corrected. Why ca n't the public talk to a person to correct errors?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: stolen license many years ago. changed my name to protect myself, but since 1992 my credit is always wrong, now someone has given fraud using my ssi, and gotten cards, real estate and more.i need to put a stop to this forthwith and prosecute those who are using my info. 
the ssi office do not help.and i was born and raised here.how can your office help make this right?

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Trouble during payment process

Complaint: This is a Follow-up my previous complaint # XXXX.
Despite my multiple requests, JPM has failed to provide answers to the following questions regarding a refinanced loan they processed in 2011 which caused my loan amount to drastically increase and double its term from 15 year to 30 years.
Please provide answers ONLY to the following questions and avoid sending a multiple page unnecessary detail which does not address the questions below : ( 1 ) What made JPM determine that the new loan should be a HARP. Please provide detailed information and or supporting documents as applicable.
( 2 ) What is the process JPM goes thru to notify client that a certain loan type will be issued as opposed to another - Please provide specific examples as well as applicable documentation.
( 3 ) What was the specific criteria that JPM used to determined the interest rate granted on my loan issued in 2011. - Please provide supporting documentation.
( 4 ) Why did JPM leave the original loan lien open as well as the new one.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Had collection from a student loan on my credit report. The student loan however had went to court and had been settled. Was told by the collection company that they would remove the account off of my credit report, which they did. However, they will not give me written proof that they have removed the entry. All I require is a letter stating it has been removed from my credit report, yet they will not send one after several contacts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient Refuses to lower my rates. XXXX XXXX had no problem with lowering my monthly payments. Its gone from being XXXX dollars every paycheck to XXXX a month. I 've go XXXX XXXX kids to take care of and this " resolution '' to them is not what it is. Navient will only lower my payment if I create a modify my loan to a direct loan with them. This sounds very illegal and I have no idea on how to request a different company take over my loan. I would like help in finding out if I can transfer my loan to a more reputable company or get some kind of lower rate on a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (I do not know) with Midwest Recovery Systems (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I really ca n't tell anything but I get call for from some company said that I old them money.well for one stop trying to mess up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (I do not know) with Weinberg Mediation Group LLC (AZ).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: On Tuesday, XX/XX/XXXX I recieved a call from a local XXXX, AZ number ( XXXX ) and because I do n't recognize that number I let it go to voicemail. An automated, computer generated voice left a message stating that I needed to call the Weinberg Mediation Group in regards to a matter connected to my social security number, and to call them at XXXX. 

I XXXX that number and found multiple reports of scam and harrassmenn calls reported about both of those numbers on various websites. I also found the address and phone number for the Weinberg Mediation Group, and the number on their website does not match the number I was told to call back on. I then filed a complain with the FTC about that matter, plus I emailed the Weinberg Mediation Group informing them that I filed an FTC complaint due to the appearance of someone spoofing phone numbers and then claiming to be their business.

Today, XX/XX/XXXX, I recieved a call from XXXX and as I was at work it went to voicemail. This time it was a person that left the message and it sounded like she said her name was " XXXX '' and that I was to call her at the XXXX number ext XXXX, in regards to a matter attached to my social securoty number at Weinberg Mediation Group. When I called back after I was off of work it went to voicemail, and then it sounded like she said her name was " XXXX XXXX. '' I tried to call the XXXX number with out using an extension and the system just hung up. 

I also XXXX the address that the Weinberg Mediation Group list on their website and it goes to a XXXX Store in XXXX, NY. 

I am sending a certified, signature required, return receipt requested to the address on Weinberg Mediation Group 's website that will be requesting all communications be through USPS certified mail, and validation proof of the debt, orginal debtor, all receipts and contracts paid to original debtor by all parties involved, and all amounts paid by all parties involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with SLM CORPORATION (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I finished school around XXXX years ago. I had called sallie mae to pay my loan off. They gave me an incorrect balance. I have n't heard from them till 3 months ago and they would leave dozens of herassing phone calls. Apparently what happened is they did n't give me the correct balance to pay off. They said I still had a balance due. They state that I owe them the remaining balance with interest. They used the large sum of money I sent them earlier to make minimum payments over the XXXX years, and I am now past due. They never once sent me a statement in the XXXX years saying I owed any money. So in short, I thought I paid my loan off XXXX years ago, and today I am told I owe over {$10000.00} on a balance of {$7100.00} from XXXX years ago. They are refusing to work with me and when I ask them to send me paper info in the mail they say ok. In 3 months I have n't received any paperwork, other then the monthly statements they are now sending. I do n't feel it is right to make me pay interest on a loan I was told was paid off and never given a bill for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Settlement process and costs

Complaint: I am the president of a mortgage company that obtained a loan for some borrowers in 2003 to buy a home. The seller at the time was " upside down '' on the property on a second mortgage with " Bank One/Chase ''. A short sale agreement was negotiated and obtained from Bank One/Chase. The transaction closed and Bank One/Chase was paid off. Unfortunately " Bank One/Chase '' failed to release their mortgage on the property. 
Fast forward 12 years and the current property owners are now trying to sell their property but can not because the previous owner 's paid off mortgage is still on the property. These owners/sellers/my customers are now angry at me because something was not done correctly by " Bank One/Chase '' 12 years ago. 
We contacted Chase 6 weeks ago and provided them very clear/precise documentation that shows this loan was paid off according to the short sale agreement. We have made numerous follow-up phone calls and do not seem to be making progress. Chase 's " help desk '' response is the " release request was rejected ''. Of course we asked why this was the case and have been told it might take another couple weeks to give an answer to that. The " help desk '' implied that the collection was sold to another party and that party would have to release the mortgage. We pointed out that the old collection has nothing to do with the current home owners and that collection company has no ownership rights to the mortgage on the property since that mortgage was paid off according to the short sale agreement. 
Anyhow we have been told that someone from Chase will be contacting us in the future with an update. We have been told that several times over the last 6 weeks and have never received a call.

Company response to consumer: Closed with explanation