milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had applied for a line of credit with PayPal Smart Connect, my credit limit was for XXXX XXXX dollars. I made a small purchase for XXXX dollars to a charity organization. Upon receiving my XXXX statement dated XXXX/XXXX/2011 in the amount of {$21.00} due on XXXX/XXXX/2011. I purchased a money order in the amount that was due dated XXXX/XXXX/2011. I mailed out the payment in time to meet the payment due date of XXXX/XXXX/2011. I never made any other purchase on account and contacted papal to dispute the late charges that was showing up on my new statement. I could get a clear understanding as to why I was being charged additional late fees and interest along with other charges. Therefore I requested that my account be closed only to have my account charged off and sent to collection and reported on my credit report. over the course of the years I have tried to contact PayPal regarding this matter and disputed with my credit bureau only to come back with no resolution. I final was able to locate the receipt of payment and the billing statement to support my claim and have launched another complaint this time with CFPB. I would like to have the negative information removed and for my credit report to reflect that my account has always been in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Closing/Cancelling account

Complaint: In XX/XX/XXXX, I got a letter that Citibank was closing all of my credit card accounts with no notice or reason given beyond that it is their right to close an account at any time they choose ( copy attached ). However, I believe that this kind of adverse action requires that an adverse action notice be provided under the Equal Credit Opportunity Act and the Fair Credit Reporting Act but was not given. While I asked for a reconsideration, without knowing the reason for the closing, I could not effectively argue that the closing was unfair and unwarranted. 
The bank was also unfair when they refused to give the rewards that were earned in the month that the account was closed. I made charges and paid the full amount owed before the account was closed. When I opened the Citi Double Cash, I was promised XXXX % on purchase and XXXX % on payment of the charges. I made {$10000.00} in charges and paid it before the account was closed but Citi refuses to pay the {$200.00} benefit. On the AT & T card, I made {$3900.00} in net charges that were paid before the account closed but Citibank refuses to pay the triple benefit for online purchases that are worth a {$110.00} statement credit. While I 'm not a lawyer, this feels like unfair enrichment and promissory estoppel. I did my part of the bargain but the bank refuses to do theirs. 
The final unfair practice that I experienced in the closure is that Citibank says that they can keep the full annual fee for the full year membership even though they decided to close the account before the full year. The Credit Card Accountability Disclosure Act says that the company needs to disclose the annual fee but the fee can be for far less than a full year if the bank closes the account. I believe that I should get the pro-rated annual fee refund that was denied. 
Thank you, in advance for your help with this matter.

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 10/24/2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Trouble during payment process

Complaint: I almost always pay bills when I get them, not when they are due. Flagstar sends the next month mortgage bill after I paid the previous month 's payment so I end up paying months in advance. Over the years, i noticed that being two months in advance becomes only one month in advance, the lost of a month 's payment. When I file a complaint, Flagstar Bank would send a payment record full of error charges and refunds so I could not determine the failure to credit one of my payments. I do not have insurance or escrow with my loan, I only make {$880.00} monthly payments, nothing else. However, the payment history from Flagstar would be filled with false insurance charges, escrow deductions, principle payments and refund, and so forth making the payment records unreadable. If honest, Flagstar should have my payment history with only the payments I made ( all were on time ). 
Being cheated many times of my monthly payments, I started to get better records and copies of my payments. Attached are four documents. The first is a bill from Flagstar dated created on XX/XX/XXXX ( top right of page 1 ). Note that the total amount paid for that year was {$7900.00}. It a bill for a payment due XX/XX/XXXX which I made XX/XX/XXXX to keep from getting too far in advance. Page 2 is a copy of my XX/XX/XXXX payment check # XXXX for the monthly amount of {$880.00}. Page 3 is a copy of my bank statement showing that Flagstar cashed my XX/XX/XXXX payment check on XX/XX/XXXX. 
Yesterday I received in the mail from Flagstar another XX/XX/XXXXXXXX bill created date of XX/XX/XXXX for XXXX ( 2 months plus late charge ). On that statement was the same total payments of the year of {$7900.00}. Flagstar had received my XX/XX/XXXX payment on XX/XX/XXXX and had not credited to my loan. This has been done several times over the years but I did not have the copies of my payments to prove it. 
Please have Flagstar credit my last payment and give a full accounting of my loan history with only my loan payments, without all the errors they made on fake insurance, escrow and other items that did not relate to my loan. I kept all my payment check statements so if I know on what dates they cheated me ( just like their current attempt ). I could also prove their criminal 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 03/30/2018 about Debt collection (I do not know) with First National Collection Bureau, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received letter claiming judgement was entered against me and the account was placed with the office to be collected. 

No record of judgement, court filings or even the debt can be verified or found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I 'm being sued by national collegiate trust out of state. They never tried to work with me to make reasonable payments. I lost my job and fell behind. My account went straight to collections. I got a job offer out of state and relocated for that job job. They did n't contact me for years and now there is a lawsuit. To make matters worse it 's being filed in Illinois and I no longer live in the state. I can not afford to fly back and defend myself from these charges and they have not served me but I checked the online court docket and a motioned was filed against me in XXXX to be scheduled on XXXX XXXX. I 'm also concerned that the statute of limitations might have lapsed on this debt and that it is not legal for them to pursue me for it

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( Chase Home Finance ) decided to do a XXXX balance/ Forgive the loan on my mortgage. They never contacted me to say or ask me about it, they just did it on their own. They started rejecting my payments all of a sudden. It took 3 months of me calling to find out what was going on. They used a foreclosure method for the process, never letting me know that it was going to hurt my credit report. They caused my residential home insurance to go up due to the negative marks on my credit report. Strike one! Then since they rejected 6 months of payments, now that has a negative mark on my credit, Strike 2! then they did a charge off on my credit which again is a negative mark on my credit. Strike 3! How is it that this company can decide that the cost of maintaining my mortgage is more that what the value of the loan, and then decide to do a XXXX balance or forgive the loan and I have to pay for it? This seems illegal!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage on my home since XXXX. Have arranged with my bank to make automatic payments since the loan 's inception. Received a notice two weeks ago of " Intent to Foreclose '' from Bank of America. I had been aware that BOA had bought out XXXX ( my lender, originally ) in XXXX, but was told all account numbers would stay the same. My loan was serviced normally, until XXXX XXXX, when BOA returned my payment to my bank. DId the same in XXXX. No explanation why, no letter, no phone call, nothing. I did not even notice this action until the Intent to Foreclose was received. In fact, BOA has never communicated with my husband or me, by phone, mail or other. For the last couple of years, we have had to call to request our mortgage tax form. 
Although I faxed copies of my bank statements showing timely payments and the return of these, I have still not received any communication from BOA ... ..and I worry about the effect of this action on my husband 's and my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 05/23/2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Taking out the loan or lease

Complaint: I filed for bankruptcy on XXXX 2014 and included everything debt that I had except for an auto loan I had with Navy Federal as I am the co-borrower on the account. I am still making on time payments on the account. Fast forward to this time, every credit bureau reports that the account is included in my bankruptcy which I and the attorney who filed did not include.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian conducted an investigation on an item that was filed in error by the XXXX, and after Experian was notified of the item being filed in error, and subsequently rescinded by the XXXX they still left it on my credit file. When asked who verified the item, the customer service representative told me that they did not have to share any information about whom the item was verified through, which is in direct violation of the Fair Credit Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In a statement sent to me in  XXXX  my balance reflects a balance of {$910.00} of which there was still an outstanding billing dispute for over {$500.00} as well as a charge for a service provided by USAA which I am prevented from receiving. This statement had a due date of  XXXX / XXXX /17. Upon receipt of this statement my account had already been closed by USAA for a month, preventing me from using it further. Despite this, I have not received any new statements however on my credit report this VISA account is being reported with as having a balance of {$6600.00} as of  XXXX / XXXX /2017. As this account was already closed as of the date of the previous statement, and I have yet to receive any new statements or explanation I must raise a complaint about the billing practices employed by USAA. Furthermore,  XXXX / XXXX /17 I was informed USAA would be issuing credits for the previously disputed charges which were charged back onto my account in violation of the fair billing practices. Instead I only see balances increasing on accounts which USAA closed, while not being given an explanation, reason or justification for these phantom charges.
These accounts were in dispute, and closed as a direct result of my first complaint to the CFPB, which itself was also a violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: I had an account with CHASE Bank, however they rejected a direct deposit from my employer and stated that I " owed money '' from a dispute when my card was stolen, they NOT only rejected the direct deposit, and caused additional fees for me, BUT REJECTED the direct deposit and CLOSED my accounts without any notice - THIS is NOT right and caused over XXXX in fees and charges that I did NOT do! ontop of causing me not to get my paycheck!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2016 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have never received notice of debt from them and they collected {$2200.00} from my paycheck, never got noticed of what the debt was paid for and now they are trying to collect for another {$550.00}, I have check my credit file and I only show I owe them {$550.00} which means I have paid well over the amount due. I believe they have collected for a debt that was out side the states statue of limitations and is now trying to collected on a new debt.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am one of approximately 143 million people whose credit information used by Equifax was stolen over a 2- month period. This is the largest data breach in consumer history and has impacted 143 million individuals. Why did it take Equifax almost 2 months to discover they 'd been hacked? How many new identities will be established as a result. And why did Equifax officials sell their stock prior to the public release of the hack?

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Management Solutions (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: FMS Financial Management Solutions, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of a so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When a significantly reduced judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, FMS Financial Solutions has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

FMS Financial Solutions refused to correct their records, despite the fact that they were made aware that they are in violation of the Fair Debt Collections Practices Act ( XXXX XXXX XXXX ), especially section XXXX ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Payday loan debt) with ZARVAD III S.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Several calls every day to myself and other family and friends regarding a loan that I never received. I applied online years ago and never was told I was approved. Then I found out they had tried to deposit it into an old checking out that had to be closed. I never received the funds and I have told them several times over the span of more than 2-3 years. They threaten me saying I am going to be served at work, say they will garnish my wages. Every time I am told that I have to pay that day but its a different amount every time.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that XXXX XXXX has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). <P/>This letter is in regards to the late payment that XXXX XXXX is showing for XX/XX/XXXX. I have never been late paying my car loan with XXXX and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to XXXX for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by XXXX the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX. I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX  payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by XXXX on XX/XX/XXXX. XXXX did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for XXXX. They stated that because of all the payments that have come in, they need to remove the payment I made onXX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with XXXX. I received an overage payment from XXXX on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with XXXX and the paperwork attached is here to prove my case. This is only reporting on my Equifax credit report and it has cause my credit score for Equifax to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with National Credit Systems,Inc. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I did not received the proper information on the validity of this debt. I am now requesting additional information for the debt to be disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On or around XXXX XXXX, 2016 I cancelled a Capital One credit card due to fraudulent charges. On XXXX XXXX, 2016 the same merchant fraudulently charged the same account ( which was closed 25 days earlier ). I followed Capital One 's advice on said cancellation but they failed to protect my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted Transword Systems Inc. To set up a payment plan too pay off a {$5100.00} debt for the   XXXX   XXXX   XXXX   XXXX   . When I called, they informed me that I actually owed more than what the statement they sent me stated, almost {$1000.00} more. They stated that they have a 18 % interest rate, but on the letter sent to me it stated 19.24 % annual. This amount is way more than the interest date that I had with the   XXXX   XXXX   XXXX  . So every month, I am being charged about {$77.00} in interest. We are a military family and move often, currently residing in Oklahoma, so I am not sure if what they are doing is legal. I set up a payment plan, of {$200.00} a month an it has me making payments until 2020. How can I get caught up on the balance with such a high interest rate?
Any advise or assistance that you could provide me will be very much appreciated.
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have written to this company SEVERAL times and have asked for VALIDATION on this account. The company keeps sending me a BILL from XXXX, but they will NOT acknowledge that I am asking for original contract paperwork to ensure this is truly my debt. I want this account REMOVED from my credit file. They keep updating as the dispute is resolved and consumer isn't in agreement.

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