milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2017 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2016 my ex-wife used my daughter 's Amazon account that had my credit card attached to it to purchase shoes. A short while after receiving the shoes she returned them to the Amazon Marketplace vendor upon which they issued a refund. We have obtained emails from Amazon Marketplace that confirm both the receipt of the returned shoes and the refund. However, to this day Chase/XXXX are declining to issue the refund to my account. They keep claiming that I need to provide proof of return which I have done multiple times by sending them the email from Amazon. I have had a number of phone calls, emails and as last step XXXX fax with Chase about this issue since late last year. However, the issue remains unsettled.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: My son was in  XXXX   XXXX  working and got a ticket. The truck he was driving was in my name. I have paid the {$90.00} fine and will mail in the morning. The company is Transworld Systems Inc that has been hired to collect this balance. I am  XXXX   years old an d just retired after working 52 years. I feel I have earned the right to be talked to respectfully. I would like for the young lady to be reprimanded that was so rude and disrespectful to me when she called. I have a  credit score  of  XXXX  and pay my obligations and have my entire life. I look forward to an apology at least.   Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX  cell  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: CRA VIOLATION INACCURATE ADDRESS, NAME AND INQUIRIES APPEARED ON MY EXPERIAN CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a Gap Visa bill in  XXXX    XXXX   on the phone via  XXXX  Credit Card Customer Service. I double checked my account online to make sure the bill had been paid and my balance showed  XXXX . Then, I received an email about an overdue bill charging me late fees. I called Synchrony Bank who manages this credit card and they said my payment was denied because of a problem with my checking account number. I asked that the late fee be waived since I was not notified of this problem and Synchrony Bank would not even consider waiving the fee and just demanded I pay them the debt which had since accumulated several  XXXX  dollars by the time I received the email. I am hesitant to pay because I have had to call customer service about   XXXX   times now for this  XXXX  charge and keep getting emailed about the same bill needing to be paid only now with additional costs of late fees. I 'm afraid to pay Synchrony Bank because it seems like a scam, they do n't have any of the facts about my account, and are rude and abrasive on the phone. I am now getting notices that I owe {$250.00} in $  XXXX /billing cycle late fees which have been piling up since  XXXX  despite my attempts to resolve the issue. Gap shut down my credit card and wo n't take any of my calls. I 'd like to dispute this debt and make sure  my Gap Visa is entirely shut down as I 'm worried this experience is damaging my credit score.  Please help!

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 10-03-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Citi Card Services provides merchant services to Best Buy. 

On XXXX XXXX, XXXX I purchased on my Best Buy account ( through Citi ) a speaker for {$210.00}. A few days later I received a bill. The bill was paid and mailed to Best Buy Credit Services on XXXX XXXX. The bill was due on XXXX XXXX. 

The payment was processed and posted on XXXX XXXX ; 5 days after the due date and 16 days after the payment was mailed. Shortly after all mail was put on hold due to a scheduled vacation. 

Upon return of the vacation there was an XXXX bill from Best Buy Credit Services for a {$XXXX} late charge. A week or so later the XXXX bill arrived from Best Buy Credit Services for another {$XXXX} later charge and a XXXX cent interest charge for a total due of {$XXXX}. 

On XXXX XXXX I contacted Best Buy Credit Services ( Citi ) and informed them of the payment made in full and disputed all of the fees. They agreed to remove one late fee for {$XXXX} but none of the other fees. In order to avoid another late fee I made a payment of the total due, cancelled the card and informed them I 'd contact CFPB. 

Their reply was that they ca n't control the US Postal Services delay in delivering mail. The purpose of my complaint is to inform the CFPB of a possible tactic they are using to delay the processing of mailed payments in order to assess late fees on accounts. I believe I 've paid an amount that I was not obligated to pay but was forced to do so in order to avoid ongoing late fees and interest charges.

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 04-09-2017 about Mortgage (Other mortgage) with ALLEN TATE MORTGAGE SERVICES (NC).
Issue: Credit decision / Underwriting

Complaint: Earlier this year, I was pre-approved for a USDA home loan through Allen Tate Mortgage. After providing verification of income, college transcripts, identification records, tax forms, etc. I went under contract on a home and began the process of paying for due diligence and home appraisal. I was then informed about two weeks before my closing date that my loan had been declined ( after paying out close to {$900.00} ). My income, credit score, and other factors all met guidelines for this loan.

Company response to consumer: Untimely response
Consumer complaint received 03/19/2016 about Debt collection (Federal student loan) with Allied Interstate LLC (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am in rehab for the entire amount of my federal student loans with a collection agency. Another collection agency has garnished my wages. I am not sure if they are included in the rehab or not, but Allied is unwilling to work with me to eliminate the garnishment. They say I must pay an additional amount, every month, in addition to the garnishment and what I am paying on my rehab if I want any relief. I know some relief must be available other than further XXXX my finances, but they have been rude and unwilling to work with me.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COOLEY ENTERPRISES INC (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX/XXXX/XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) XXXX/EXPERIAN/XXXX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.

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 10-08-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have contacted the original creditor as well as Equifax numerous times by both US postal mail as well as telephone to report that this account is erroneously being reported twice on my credit report. I have received no resolution and this account continues to damage my credit report. 
The account in question is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX I mailed approximately 5-6 different checks to Navient to pay off all of my student loans. I had refinanced my house to do so. The checks were received and applied on XX/XX/XXXX. My XXXX XXXX XXXX loans were not paid off since it 's someone different. With me making all payments to Navient in the past I was under the impression that all the checks would be sent to the same place. Upon further investigation it was brought to my attention that they shorted one of the checks {$600.00}. Upon talking to Navient and they put the request in. One for sending the overage to the XXXX XXXX XXXX to pay them off, and the second one, to also apply the {$600.00} they shorted to my account. Since these request can take at least 12 days to go through my XXXX XXXX XXXX loans are going to continue to accrue interest with a late payment. I should have been receiving a check back from them in the amount of {$100.00}. I feel that Navient takes advantage of people and this mess up really is uncalled for taking 12 days minimum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I got a bill from XXXX XXXX XXXX stating that I owe a {$56.00} for a visit that I took my daughter to. My husband is in the military so we have tricare and I have been to this hospital several times before but never had any issues now all of a sudden this is showing on my credit report as a collection. I am not even the policy holder my husband is. I tried to talked to XXXX XXXX XXXX about this and they told me that they ca n't do anything until they talked with the insurance company but is n't that what they are suppose to do before they put this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called Navient in XX/XX/XXXX in regards to my private loans still being reported to the credit bureaus as " charged off '' I am currently in a payment plan through Navients third party where I pay {$300.00} every month on private loans XXXX & XXXX and I'm current, however, they continue to add on late fees and report that this is a collection account. When I asked the representative at Navient to please stop reporting, he said it is within the contract that they can continue to report it as a charge off every month until the account is paid in full regardless if I'm making payments. I asked for him to send a copy of the agreement and I never received it. Proof of payments Recent Payments Date Amount Status Coming From Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Payment was received -- Show more information XX/XX/XXXX {$300.00} Received Company reporting : XXXX Tuition Answer XX/XX/XXXX {$390.00} Payment Due Alert PAST DUE XX/XX/XXXX {$25000.00} You may have been charged a late fee. 
Show more information XXXX Tuition Answer XX/XX/XXXX {$420.00} Payment Due Alert PAST DUE XX/XX/XXXX {$31000.00} You may have been charged a late fee. 
Show more information XXXX Tuition Answer XX/XX/XXXX {$330.00} Payment Due Alert PAST DUE XX/XX/XXXX {$9000.00} You may have been charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: This is concerning AMEX credit card practice of charging " Trailing Interest ''. This practice charges interest on a monetary debt that is has been paid. I was charge interest XX/XX/XXXX - XX/XX/XXXX for a debt that had been paid on XX/XX/XXXX. How is it legal to charge interest on money that is no longer a debt? 

XX/XX/XXXX charge balance due. 
XX/XX/XXXX balance paid in full. ( less than 24 hrs late ) XX/XX/XXXX AMEX interest of {$69.00} was added to my account for XXXX charges. 
XX/XX/XXXX balance paid in full ( including XXXX interest charges ) XX/XX/XXXX balance was due ( but already paid ). 
XX/XX/XXXX AMEX interest of {$46.00} was added to my account as " Trailing Interest ''. 

AMEX claims this Trailing Interest is for the carrying over of a balance, but I only carried over 1 day ... ..SO HOW DO THEY GET TO CHARGE ME FOR THE OTHER 22 DAYS?

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2017 about Debt collection (Other debt) with Debt Recovery Solutions, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have received repeated letters and calls fro m Debt Recovery Solutions , LLC,   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , NY  XXXX , about a debt of {$190.00} alledgegedly owed to  XXXX .   XXXX  I have never been a  XXXX  customer and do not owe this debt.   XXXX  I have repeatedly told  Debt Recovery th is, both in writing and by telephone and demanded they furnish written copies of contracts showing I owe this debt to  XXXX . They have never complied with this and have never shown that the debt is in fact owed by myself to  XXXX .   XXXX  I request that this harrassment stop and that they cease reporting that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Kohl 's is reporting a fraudulent inquiry that I never made on my account online on XX/XX/XXXX. I was at work at the time this supposedly happened. I would never request an increase online to any company. My computer was hacked a week prior to this in which I purchased a new computer in which 2 of my credit accounts were compromised. I never requested an increase on my credit card because I had a XXXX balance and hardly ever use the card. They even had the wrong email address. I tried calling about this several times and submitted letters but no resolution. I received a letter claiming that their information is correct. The police will not make out a police report on inquiries. Kohl '' s knows this and this why they refuse to remove this inaccurate information. I did file a fraud report to the credit reporting bureaus and put a fraud alert. I do not believe that Kohl 's did an investigation on this. I do not believe that this is fair. The information they have is incorrect and this is not fair to the consumer to keep inaccurate information based on online that never happened. Kohl 's must not care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Payday loan) with Critical Resolution Mediation LLC (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XX/XX/2017 I received a call from XXXX from XXXX with Critical Resolutions. Saying he had a case for me in XXXX for XXXX and that I a returned from my bank, XXXX. He did tell that call may be recorded but did not give me the XXXX He said a case has been in court. I asked for the case number he gave me XXXX I asked where it was filed and he told me he did not know. He asked did I wan to voluntarily take care of it today. I asked for his company 's address and he replied : He was sending the case to XXXX to have me picked up and I could deal with all that crap there and ended the call. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Debt collection (Credit card) with Guglielmo and Associates (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I owed {$1600.00} to XXXX XXXX XXXX Credit Card but medical expenses probated payments. My wife, XXXX, XXXX. We both live on XXXX only. 

XXXX XXXX XXXX sold the debt to a law breaking junk debt collector XXXX XXXX, XXXX. Their attorney, Guglielmo & Associates PLLC, harassed us with calls all hours of the day. Their bill collector went to neighbors misrepresenting themselves as the police and disclosing we owed money and we were deadbeats. 

The law firm sued us and won a default judgment for {$2300.00} on XXXX/XXXX/2016 ( attached docs ). We wrote them on XXXX/XXXX/2016 telling the attorney to cease all collection harassment ( attached docs ). They continued to tape legal work to our front door after our cease and desist letter. In speaking to the law firm they were aware that our income was from Social Security only but the attorney threatened to illegally garnish our checking account on XXXX/XXXX/2016 ( attached docs ). 

We filed bankruptcy on XXXX/XXXX/2016 but to date the attorney has not removed the collection activity from our credit report. 

XXXX XXXX XXXX and Guglielmo & Associates PLLC have violated the FDCPA laws and should be held accountable for their law breaking activities..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: A contract accounting firm opened an account and naming our company as a dba, he then stole our company checks from our office and deposited them in his company account at BofA. None of these checks had any endorsement on them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Mortgage (Home equity loan or line of credit) with FACTUAL DATA CORP. (TX).
Issue: Application, originator, mortgage broker

Complaint: Factual Data, bureau express reported false data on my credit report. 
While applying for a loan product and while reviewing my credit report I found shocking information is on my credit report. 
XXXX items listed were not related to me or it has been paid off long time ago, and factual data bureau is still keeping wrong information in my credit report. 
1. XXXX XXXX account has a balance of {$7900.00}, card # XXXX ( Verified with bank and that account do not belong to me, ) 2.XXXX account # XXXX, balance of {$7400.00} XXXX account is invalid or does not belong to me. Verified with XXXX credit card. 
3. XXXX bank account # XXXX balance of {$310.00} This account does not belong to me. 
4. XXXX account # XXXX, balance of {$130.00} Due to the wrong information on my credit report my credit score suffered and I am forced to pay a higher interest rate. 
I am requesting an immediate action on this issue and correct these errors. So I can have my life back. 
Factual data management irresponsibly posted balances which does not belong to me. This report added my liability to {$15000.00} which is not a small amount, which I have nothing to do with. 
Address:XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Auto) with BB&T CORPORATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: a car loan for XXXX per month for 72 months was original agreemen. 
6 months of extensions at various intervals during course of loan loan maturity was extended to XXXX 2016 .I WAS TOLD ATTHAT TIME XXXX WAS STILL OWE.THIS SEEMS LIKEAN EXHORBITANT AMOUNT OF INTEREST FOR A 6 MONTH EXTENSION,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation