milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: In XXXX 2016 I went online and ordered a " Free Trial '' offer from XXXX and was only to pay Shipping and Handling. I should have known better and looked for very small print that might obligate me to receive future product, there was n't any. After reading numerous similar complaints online even under XXXX Consumer Complaints, they all say the same thing. I was temporarily in XXXX, I returned to my home in XXXX XXXX XXXX, 2016. 
When I received my Statement from Synchrony Bank in XXXX, I noted the charges of - {$86.00} and {$89.00}. I immediately called Synchrony Bank and disputed the charges. I never received product nor did I receive any any communication from XXXX in regards to these charges, that it was being delivered or anything. When I received XXXX 's statement on XXXX XXXX, 2016 I noted the charges of {$94.00} and {$92.00} and called Synchrony Bank to dispute the charges. The CSR told me I had also been charged {$94.00} and {$92.00} on XXXX XXXX, 2016. My account had been charged a total of {$550.00} for product I never received nor had received communication in regards to. 
XXXX name put in disputes for all of the charges and told me it may take XXXX to XXXX billing cycles. I called XXXX on XXXX XXXX, 2016 at XXXX XXXX and spoke with XXXX. XXXX cancelled the account they had set up for me without my approval and told me to have Synchrony Bank call them and do a XXXX way conversation so they could credit my account and I would n't have to wait for the dispute. I called Synchrony Bank and spoke with XXXX. XXXX told me they did n't do XXXX way calls. I wondered after seeing all of the complaints against XXXX for the same reason if maybe XXXX did n't know this. I called XXXX back, spoke with XXXX and told him the bank was unable to do a XXXX way call. 
Yesterday I decided to call Synchrony Bank because all I had ever received from them is a generic letter which says nothing except the security code is there for the Consumer 's Protection which is ridiculous because you ca n't purchase anything online without the security code and once a company gets it they can charge you numerous times withoutout your authorization. I found out from Synchrony Bank on the telephone that the dispute had been resolved in the Merchant 's favor I believe XXXX XXXX. All I could do was to file another dispute. I never received communication of this resolution I called XXXX XXXX XXXX XXXX XXXX ( number given to me by Synchrony Bank ) and spoke with XXXX. I asked to speak to a Supervisor. XXXX stated they could n't do anything for me and hung up the telephone. 
All of the complaints I reviewed online state the exact same complaint. XXXX lady called the Police. I want this funds refunded or credited to my card but XXXX should be prosecuted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX 2014 unpaid for {$37.00} I have never had any XXXX Service in my life please fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/17, I transferred money from my amex reserve savings to my main account to pay two utility bills. Once I transferred the money, I noticed when I tried to make payment it declined. So I logged back into my account to make sure I had transferred the correct amount and I saw three XXXX charges totalling XXXX from store # XXXX XXXX XXXX XXXX in New Mexico. I live in North Carolina and I have n't been to XXXX in weeks. I was upset because this has never happened to me. I call the number on the back of card, the first associate does n't even truly listen to my complaint she just says that there is nothing she can do I would have to wait till 3 days for it to clear. I asked to speak with a manager cause it was obvious she did n't even take the time to understand my complaint so when the manager gets on the line. I pretty much get the same spill but was livid after I explained to her that there is no way I could have made those charges and I need my money credited back, she tells me based on your transaction history this could have been something you done. I began to cry and scream at that moment because that was rude. My transactions history had nothing to do with fraudulent activity so then she says let me research it cause the fraud team wo n't open up till XXXX Eastern time. So after she reviews my transactions she ask where I live and I told her and she says that it looks like these transactions were made at the store in NM and this is fraud. So that morning I call the fraud line wanting to understand how this could have happened. To be told that it 's still pending watch my account to see if it clears or not if it does then call back and they will do an investigation and it could take 7 to 10 business days. They did not reverse charges clearly seeing that there was no way that I could have made those purchases. There were three that came through at the same time and it was obvious fraud. She told me to call the store and see if they can look into it and block the charges from coming off. To my understanding that is what they are supposed to do. I had no success with getting anyone to assist from XXXX accounting department to help and it 's frustrating as this was my utility bill money. They do n't care cause it 's not them. All she could offer to do was send me another card. Why would I want to continue to do service with a company who does n't even protect my money from fraud?? I am disgusted, upset and have no faith in using my debit card with them or anyone else for fear that I wo n't get the help I need.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Back on XX/XX/XXXX I and co-signer took out a XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX for {$15000.00}. I recall the variable interest rate was 3.5 %. The loan has been in a XXXX deferment the entire time. I now not the rate to be 14.5 % and the loan is at {$31000.00}. Now loan is with Navient. I have contacted Navient multiple times to see what happened. I requested to know what the original rate was and informed they ca n't find the original disclosure statement for the loan. I and same cosigner took a XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/12 for {$5000.00} with a 3.5 % rate- It 's still at 3.5 %. I have never missed a payment with the loan and the accout is in good standing. There is no reason the rate to have increased to 14.5 % and Navient ca n't attest. I feel this has been a grave error on either XXXX XXXX 's or Navients part.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Payday loan) with Cochren Bailey & Associates, LLC (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Someone from a company called Cochran and Bailey ( XXXX ) XXXX, searched a database and associated my husbands family with me and starting calling them and telling them that I used them as a reference and that they have their SS # and addresses and that I have been writing bad checks. They called several people in my husbands family whom I have never used as a reference for anything, I do n't know any of their addresses or phone numbers so I could n't have possibly given out any info on my in-laws. They have been steady calling and harassing everyone including my mom and on my job disclosing my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX. XXXX XXXX Account # XXXX Collection for XXXX XXXX Bank XXXX {$720.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Bank Account # XXXX Charge off Past Due Amount {$570.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Account # XXXX Charge off Past due amount {$570.00} Fraudulent Account and Reported Twice XXXX XXXX XXXX Bank XXXX Submitted to Collection Amount {$750.00} Fraudulent Account Please Remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Hi. I have sent XXXX euros from my account via XXXX transfer to COINBASE, XXXX.LTD. 
40 days ago on the date XX/XX/2017 from my bank account in the " XXXX XXXX  XXXXXXXX XXXX XXXX ''. XXXX  XXXX : XXXX The time for arrival is 1-3 days and still i have nothing listed in my account. 
I have contacted them 3 times. I have sent them the photo of the invoice with them responding by automated bot. 


These are the case numbers of my complaints : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Most of the times i get useless responses telling me to send them more money to verify my account. I dont want to send more money i want them to find the deposit i already made.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: incorrect information on the credit report. Not certain where did they get this information from. The following address and phone numbers belong to someone else and do not belong on the credit report : XXXX XXXX XXXX  XXXX, ny XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ny XXXX XXXX XXXX XXXX XXXX, new York XXXX these phone numbers definitely belong to someone else and should not be on this credit report : XXXX XXXX XXXX 2XXXX XXXX  XXXX XXXX XXXX XXXX XXXX all of those address and phone numbers belong to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is an account from the Veterans Administration on my credit report from Experian that shows I have an oustanding balance that either went to Collection or charged off. However the account was paid in full. I have submitted a dispute through XXXX and Experian responded asking for documentation from the Veterans Administration that verified the account was paid in full. I called the toll free number various times and have consistently been unsuccessfull obtaining such document. I feel that responsibility lies with Experian to obtain current information from the VA regarding the account. I feel they are acting negligently and there is a legal obligation to keep this account accurate. This has been paid XX/XX/2012.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at  XXXX , Experian and  XXXX  they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up.   XXXX   told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.

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 03-02-2017 about Credit card () with Synovus Bank (FL).
Issue: Other

Complaint: I 've deposited {$1800.00} in order to have a secured credit card with First Progress Card. 
After few years I decided to close the account, I 've called XX/XX/2017 to close and ask for the deposit refund, at that time I was informed it should take up to 7 weeks which is ridiculous. It 's Seven weeks already and I did n't receive the refund, now I 've told that is up to 10 weeks!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: American Express closed my BLUE CASH AX account XXXX XXXX XXXX XXXX some time back and confiscated my REWARDS BALANCE of {$700.00}.
<P/>
I have paid A
MEX the balance due in full in accordance with the Cardmember Agreement. <P/> I twice requested that AMEX make the points available to me. <P/> Amex refused. <P/>
I did not know that CPFB could intercede on my behalf on matters such as this or I would have pursued this Complaint two years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (I do not know) with Webcollex, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't owe this. Please send copy of contract & statements

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Fed Tax Lien is reporting that has been released

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

Complaint: A money judgement pending in the Maine XXXX Court - XXXX, ME. was satisfied and dismissed. ( see attached Satisfaction of Judgment & Certified Court Docket ). I wish to remove this Public Record from my credit file as it negatively impacts my XXXX scoring as an erroneous record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2015 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: APR or interest rate

Complaint: I have a credit card with Chase. I have been very good at not making late payments for quite a long time. My FICA credit score is XXXX as of this month. I even paid the card off completely not long ago ... and now I have a little over {$300.00} balance which will likely be paid off in the next month or so. My complaint is my interest rate. It is at 29 % and has been for a long time. I did have serious financial problems a few years ago and had some late payments which is when they raised it to this ridiculous level. As stated above I have been being good for a long time now. I called Chase asking to have my interest rate lowered and I was told they do periodic reviews. I feel the periodic reviews must be few and far between. I want my interest lowered and also feel I should be reimbursed some of the interest charges I have paid. I feel what they have been doing to me is a crime ... if it is n't it sure should be!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX account is settled and needs to be removed from negative status or deleted

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I recieved an escrow review notice that increased my payment by over {$1100.00} per month. The mortgage company is trying to escrow for over {$6000.00} for insurance and they refuse to adjust the amount, waive the insurance cost, or eliminate the escrow portion of my account. The actual cost of my homeowners insurance for the property is around {$600.00}. 

Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX I received a call from XXXX XXXX at XXXX XXXX XXXX, phone # XXXX, XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. She claims I owe {$13000.00} to XXXX XXXXk. I told her I do not recognize this debt and she has the wrong person. 

On XXXX/XXXX/XXXX I received a letter in the mail from ARA.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My bank account at XXXX was hacked the end of XX/XX/XXXX and a fraudulent ( electronic ) check was written to XXXX for {$280.00} for check XXXX ( which I never issued ). I instantly went to my bank and account was closed. I got confirmation from XXXX that it was fraud. The end of XXXX I got a Notice from TRS Recovery Services that they were going to collect my XXXX debt ( + fees ). I contacted them and per their request I printed an Forgery/Identity theft Affidavit from TRS and had it notarized by my bank. The package ( affidavit, note from TRS and prove from my bank ) was faxed on XXXX. Fax receipt by TRS was confirmed. I called today XX/XX/XXXX multiple times to ask the status and they claim they have n't received anything from me. Phones are disconnected, or are terrible quality. Additionally they mentioned that there was another case pending for {$190.00} for which I had not received a notice from them. This was a fake check with a fake name and DL from a non-XXXX bank ( XXXX XXXX, I think ) but with my bank account / routing. Very clearly fraud. Also here the bank re-imbursed me and held me not liable. How can they loose evidence sent to them by ( confirmed ) fax )?

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently made an inter-state move XXXX. A few weeks after I l moved into my new apartment, I received a letter requesting that I pay a balance to " Portfolio Recovery Associates '' for a credit owed on XXXX XXXX credit card. I have never had a XXXX XXXX XXXX, and the letter was addressed to somebody with my surname but the wrong first name. I ignored the issue figuring it was a scam. I just received the second letter from the same company, this time claiming to be owed a debt on XXXX XXXX Credit Card. I do own such a card but have no outstanding debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage several times throughout the years. I have submitted several applications for a modification before being told that the investor/owner of my loan did not allow them. Since then, I have been encouraged for several years to apply for a loan modification by my mortgage servicer, Ocwen. I explained to them that they continue to send me the applications and encourage me to apply, when they told me that my investor did not allow them. I later contacted the investor to be told that they did not make such a decision as it related to my loan, however, they refused to get involved when asked to contact the servicer. They did send me a letter. I contacted Ocwen several times over, demanding that they check my note to see if the investor/owner permitted modifications at the present time. They again told me that modifications were not allowed. I applied again last week and was denied the HAMP Tier 1, HAMP Tier 2, Shared Appreciation Modification and Proprietary Modification programs. My non-approval notice read " Unfortunately, the owner of your loan does not allow loan modifications. Please note, not all eligibility factors were evaluated ''. They also ran my credit report when they " knew '' I did not qualify. In the meantime, I checked my original mortgage note to find where it read " modifications are allowed ''. I can not believe how deceitful and manipulative these servicers are. Please, grant me the modification that I qualify for! To add insult to injury, I attempted to compare my original note with what Ocwen recorded as my note, it shows an entirely different note. The property recorded does n't belong to me, I have never held the account number listed with any of the many servicers that I 've had and my signature is not listed on the note. Someone else signed their note and Ocwen has it recorded in my case file. This raises questions as to what note they 're actually reading and if this is some sort of rip-off or scam? I also question Ocwen 's contract with my investor/owners, XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX card administered by XXXX XXXX. 
I rarely use this card, so I do not get monthly statements. I receive numerous emails from XXXX XXXX on a daily basis. Evidently, I received my bill electronically, but was unaware of this. I did not differentiate it from the numerous other emails, and the bill went unpaid. They said Insigned up for the electronic billing, but Inwas not aware Inhad done so.

Company response to consumer: Closed with non-monetary relief