milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Originally I opened a Synchrony Bank JCPenny card on XXXX/XXXX/XXXX. On XXXX of XXXX fraud was committed on the account and the Balance was sold to a debt collector. I have spoken to the debt collector XXXX XXXX and they have agreed to remove the debt from my credit report. However, JCPenney continues to report to CRA 's as a Charge -off. 

I 've explained dozens of times that fraud was committed on my account and they have yet to help. I 've disputed this many times and still have no resolved actions.

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 10-03-2015 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep receiving letters from a collection company called Fidelity Creditor Service that I is not mine. Their mailing address is : XXXX XXXX XXXX, XXXX, CA XXXX, amount of bill is {$490.00}, account number is XXXX. 

I have asked them to provide an evidence that is bill is mine but the have not done so. I would like to assure this bill which does not belong to me, does not show on my credit report. 

Best regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: In XX/XX/XXXX ( I believe XX/XX/XXXX ) while paying my balance over the phone on my American Express card I was solicited for the American Express Premier Rewards card. I was told at the time that after meeting certain criteria I would get XXXX points worth, among other possibilities, a {$250.00} credit on my credit card account. I signed up. I later received the XX/XX/XXXX Membership Rewards Program Terms and Conditions. Nothing in the terms and conditions contradicted what I was originally told concerning the {$250.00} credit. After meeting the criteria and several calls to American Express, I was awarded the XXXX points. When I tried to apply the points to a credit I was told the credit would only be {$140.00}. That the ratio was XXXX points/dollar. I explained that the ratio of XXXX points/dollar was not what I was originally told and an investigation was opened, # XXXX. At the conclusion of the investigation I was basically told that the conversion rate was XXXX points/dollar. I explained again what I was originally told to no avail. I asked if they had pulled the recording from when I was first solicited the credit card and they said they had n't. I asked if I could get a copy of the recording and they said I have to get a subpoena. 
After signing up with American Express under a certain verbal contract, they then did not honor that contract. When I asked for an investigation, they did little. I would like American Express to honor what I was told when they were originally selling me their card and apply any credits to my account at the ration of XXXX points/dollar. This would include not only the initial XXXX points but also any additional points earned while using the card. The ration of XXXX points/dollar should apply to points earned through purchases because when I made purchases, part of my decision of which of my credit cards to use was based on the ration I was originally told by American Express. Had I known the ration was XXXX points/dollar I would not have used their card. Infact, I have stopped using it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 've tried to apply for a loan and was denied. Then i tried to obtain my credit report to see why, and Transunion failed to supply me XXXX. They said that they need more information from me. Such as driver license, bank or credit union statement, cancelled check etc ... I 've sent them another letter stating that first of all they are a privately held company no different XXXX, and they are in business of selling my private and financial information for profit and i do not wish to supply them with any more information than my name, ssn number, address, and signature. Even that did not help they still sent me a generic document asking for more information. If i were to go on their website and buy it, i would not be required to supply any of that information and they would be happy to supply me with that report but for money. They are denying me of my right to my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MN).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX SSN XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 'm writing this complaint to asked you to please remove a credit inquiry that was Pulled on my XXXX credit file on XX/XX/17 For a XXXX Credit card. I was approved for the card! but however your website DOES NOT state that each team have a master or Visa card assigned to each Team in my case I 'm a XXXX XXXX XXXX Fan and that team has a master card logo per your rep at Barclaycard. therefore I did n't not get the team logo of my choice that would be like someone at Barclaycard coming to work with a XXXX XXXX XXXX t shirt on that would n't go over so well! I was approved for visa. I will not carry another teams card around IN WHICH The card that I canceled would have did me no good also I will not allow another hard inquiry on my credit file which I hope you will understand Therefore it would n't have did me any good. You need to update your website and make it clear for Customers who is applying for XXXX  cards. I Immediatley canceled the account Ending in XXXX myself that I was approved for and I asked you to please Immediatly remove the hard credit inquiry from my credit XXXX report file thank you for your speedy and full cooperation Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: T o whom it may con cerns, I recently disputed this debit and I received copy of the bill which included my medical record. I have never authorized  XXXX   XXXX   XXXX  to provide my medical record to a third party. The document provided by the debt collection agenc y ( Medical Revenue Service ) is cle ar violation of t he HIPAA l aw.  XXXX   XXXX   XXXX  has provided my lab report which clearly stated the details regarding my lab. These are medical information that should have stayed between my doctor, myself and the hospital. I was traumatized during that period and my medical data and information should stayed with the doctor. I was never given the chance to review this bill because I have never received it and I certainly did not authorize  XXXX   XXXX   XXXX  to provide my financial and medical record to a third party. I do not know who Medical Revenue Service is and I absolutely do not owe them a single penny.   I am allowed under th  e Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the attac  hed account to be deleted immediately from all three credit bureau agencies.      XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Application, originator, mortgage broker

Complaint: It started with a login issue and my inability to reset my password on the Nationstar Mortgage website since I did n't know the answer to a security question I did not setup. After a few long phone calls, I finally got access to my account after getting my password reset. When I logged in I was seeing someone else 's information. When I called Nationstar Mortgage back, they did n't seem alarmed at all. I had them reset my password again to prevent anyone else from getting into it. The concern I have is after they updated their systems if I can see someone else 's information, and right now I can still see it, how many other instances of this is occurring. Using the information after I logged in I obtained the email address of the person who 's mortgage I was able to see. I emailed him to let him know Nationstar had mixed up our accounts and I was able to see his account. I even sent him his account number as proof. It turns out we have the same name and very similar login IDs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Medical) with Phoenix Financial Services LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: collector called did not advise call was recorded or gave mini Miranda he stated i was a pt at plantation hospital asked me to confirm an address they had on file since i was not a pt at the hospital i refused to verify my address he became angry and stated i would no the balance if i opened my i asked for a mgr he hung the call i call back s/w a mgr who stated he would review the call and reprimand the employee

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Medical debt) with Asset Maximization Group, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a bill from XXXX XXXX Acct # XXXX in XX/XX/XXXX and made payment arrangements which are current and never late and in good standing. I spoke 3x to an XXXX  rep ( last to a supervisor named XXXX on XX/XX/XXXX ) who stated the above and said I do not owe any money nor was I referred to AssetMax a collection agency. XXXX also stated they do not use this agency. The account # for the amount owed to XXXX is the same as the account # for AssetMax. XXXX advised me to ignore the 3 letters I received in the last week from AssetMax. I called AssetMax and was told I owe them money for the balance of the XXXX XXXX   performed at XXXX ( same date of service and same amount ). Aria gave me a number XXXX XXXX XXXX to XXXX XXXX who has access to the same system and said I'm in good standing w/my bill. They advised me to ignore the letters received from AssetMax. I'm already paying this bill and in good standing. It's illegal to collect twice on the same account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I have initially filed a complaint against Chase Mortgage. Chase continues to report the complaint as being solved and closing out the case. Please re open. Chase Bank has failed to credit my account. There has been an great amount of corporate advance fees and other unexplained fees. The initial modification was a permanent modification and there are in excess of two years payments that went to a " phantom account. '' Chase has no explanation and continues to send computer generated letters stating " They are investigating the matter ''. This has gone on for a number of years. My current mortgage payment is over XXXX dollars more than what it should be. I believe Chase is using unscrupulous and unethical measures to attempt to accelerate on my home. I need immediate help and intervention from Consumer Financial Protection Bureau. Please hold this giant liable for preying on middle class wage earners and obligate them to make the necessary credits and adjustments on my account. If you have attorneys that are willing to look into this matter, I will cooperate fully. I would like to " blow the whistle '' on the strategies they are using.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it may concern on XX/XX/1017 we purchased a XXXX XXXX from XXXX XXXX in XXXX ny our loan is with XXXX XXXX XXXX  who has been a great place to do business with my complaint is not with them but it is with the dealer and all of the lenders who ran my wifes and my credit, we were under the assumption that the dealer ran our credit and submitted it to the lenders,1time, instead they submitted the application to them and they all ran the report I have spoke to the lenders to try to get them resolved and taken off our reports, they either refused or said they cant they put them on they can take them off, my wife and I now are going to try to purchase a home and all of these inquires are on the reports lowering our scores could you please HELP US

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (WI).
Issue: Closing on a mortgage

Complaint: PHH  Mortgage sent our tax money  ( fro m our escrow account on   XXXX   XXXX   XXXX    )  to their  3rd party administrator that was supposed to then send it to our local township. After closing on the sale of our house (    XXXX   XXXX   XXXX   ), our local treasurer had been in constant contact with us to figure out where our missing money w as ( all the while, PHH kept confirming they had sent the money ). We received letters from PHH (  XXXX  dated       XXXX   XXXX ,  XXXX  and   XXXX    dated  XXXX   XXXX ,  XXXX  ) confirming that they had sent the money to our local township. Our treasurer from the township was finally able to get through  to PHH to find out about the 3rd party administrator and told us about it. We then were sent two more letters from PHH advising that they would be   sending us our refund ( letters were dated   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   ). We have called and talked to many supervisors about this issue and have been assured every time that it was " being expedited ''. We still have not received a refund check  ( {$2100.00} )  even after having another conversation with them on   XXXX   XXXX   XXXX  . This needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (Payday loan) with RSR & ASSOCIATES INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call from the debt collector who stated I owed {$1800.00} to pay day loans and that a suit was pending and if I did n't pay the debt I could lose my license and my banking privileges, be on probation for writing a false check in XXXX 2015, it scared me senseless. He also said he was connected to the XXXX office and put me on hold to see if debt could be reduced and hold off on the law suit, they then sent me a docu share to sign for monthly payments. In the mean time I got a call from time warner collection agency and she told me it was a scam and that this fellows business had been shut down and the person named on the docu share a XXXX XXXX was his secretary. 
I did take care of the bill in full with the reputable company and have documents bill is paid. I had attempted to pay the bill thru pay day loans but could never get thru, I stopped payment on them because they were deducting {$150.00} every pay period ( bi weekly ) and nothing was coming off of the balance. 
The lady at the reputable company gave me her direct line tel # and she recommended I file a complaint against the other guy who 's phone # I have. Said his name was XXXX XXXX probably a false name If there is anything I can do about this please let me know XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 12-07-2015 about Consumer Loan (Vehicle loan) with DriveTime (AL).
Issue: Managing the loan or lease

Complaint: My name is XXXX XXXX, and at the age of XXXX ( currently XXXX years old ) i was in need of a car and had no credit. I knew it was n't gon na be easy. I soon ran across Drive Time a popular used car dealership, as i was looking at the car, i pointed out a XX/XX/XXXX XXXX XXXX XXXX, not even fully loaded remember this is XX/XX/XXXX, i thought it would be the cheapest giving it had XXXX miles and 12 years old. 

As i was sitting down filling out the paper work etc, they said i would only have to put XXXX $ down, and bam! the agent said its that easy. They ended up charging me XXXX $ for the vehicle a XX/XX/XXXX XXXX XXXX, and they had a guy go over the contract so fast it was crazy he kept skipping like XXXX pages saying, you do n't have to look at those pages. 
They financed the car at around 28.6 APR along with a hefty finance fee, i had had no idea what simple interest was, they threw in all these warranty 's and perks that added to the price they did n't ask if u wanted them just said you could opt out if you wanted too. 
I ended up with a price of like over XXXX $ and i am gon na end up paying XXXX $ for a XX/XX/XXXX XXXX XXXX. I feel like this is unfair and would just at least like to have the option of refinancing or a lower price i understand i signed the contract and everything i just wan na pay a fair price, Thank you for looking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to pay mortgage

Complaint: We have been working on a short sale for this client for over 6 months. In XX/XX/XXXX we submitted an offer for the short sale review. It has taken the lender since then to issue the FHA Approval to Participate, and they issued it with a requirement for a seller cash contribution of over {$14000.00}. The borrowers simply do not have this kind of money laying around. I asked how they calculated this amount and was told they were looking at the bank account balances. When I totaled everything, the assets were closer to {$20000.00} than the {$79000.00} the lender thinks the borrower has on hand. They then calculate a percentage of this for the contribution requirement. The cash contribution should be more in the neighborhood of {$2500.00} based on current bank balances, however the lender says they based the numbers on the XX/XX/XXXX bank statements. In one account in XXXX there was a {$38000.00} deposit made. That was from the sale of a business truck when the borrowers had to close down their failing business. They owed the franchise company ( XXXX XXXX ) for inventory and {$24000.00} of that was paid out to XXXX within a couple of weeks. This payment was reflected on their XXXX bank statement which was submitted to the lender at the same time as the XXXX statement. So the lender could see from day one that this borrower did not have that money any longer. Still, they used that amount in their calculation. The borrower is facing certain foreclosure due to this because they do not have {$14000.00} to pay at closing and can not borrow it from anyone. We need the lender to recalculate the contribution amount so we can get the short sale offer approved and move to closing

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 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (ID).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do believe in early   XXXX  , I do n't have the exact dates, but a payment was made in full to  Capital One  ( and they will have record of i t )  and 3 days later they returned the payment to the bank. No exclamation was provided to me. In those 3 days, I was under the impression my card was paid and paid some bills {$300.00}  ).  Needless to know now I have more to pay on it. Approximately  2  weeks later, another payment was made PAID IN FULL and Capital One decided to sent that payment back to the bank after 10 days. I contacted them and asked why or how could they could just send a already made payment back not once but twice? They gave me the runaround and I did n't get a single answer. And to top it off, they have put financial and late charges onto a bill I have paid twice.     I feel like I was a victim of identity theft, and someone out there took my funds both times. I have never received any monies back fro both payments either.

Company response to consumer: Closed with explanation