milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: I have a JC Penney credit card that is being serviced through Synchrony Bank. In XXXX of 2015 I contacted JC Penney/Synchrony Bank in order to rectify and pay off any past due debt that I owed them. I came to an agreement with them and even received a letter stating that they would accept a settlement offer of {$360.00} dated XXXX XXXX, 2015 in order to close out the account. I happily accepted and as soon as I got the letter I attempted to consumate the agreement and pay them off. When I tried calling them to pay off the amount agreed upon, I was told by a XXXX that they could n't accept my payment because they were no longer collecting the debt because it was past the " statute of limitations. '' When I asked her to clarify that statement, she could n't clarify it but just said that they would not be taking my money. I asked for an employee ID and she refused. I then asked to speak to a manager and was transferred to a voicemail. I attempted to call him again at a later date and XXXX again I got a voicemail and have yet to receive a return call. I then spoke to a different representative named XXXX on a different date and he said they would not take my money. They even sent me a letter dated XXXX XXXX, 2015 which is just 6 days after they sent me a settlement offer stating that they were not going to collect on this debt but that they were still going to credit report it! For a few weeks I tried calling them to pay them the settlement offer we had agreed upon but they still wo n't accept my payment. I may not be a legal expert, but I know they ca n't simply refuse my payment because they are claiming they are no longer collecting it and STILL report it as an unpaid debt. That is fraud, defamation of character, and outright Malicious. Not only that, but because they wo n't take my money to clear this debt I am unable to proceed in obtaining credit as most creditors want me to pay this debt before they will extend me credit themselves. Does Synchrony Bank want their money or not? Either they accept my money so I can clear off my debt or they truly stop collecting this debt and stop reporting any balance owed since they refuse to accept any payments. They ca n't have it both ways. Please assist me in this as I am trying very hard to clear up my debt and if you can not assist me then I will be forced to sue Synchrony Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient fails to accept my payments, then charges me interest for the payments. My loan when I ended school in 2015 was at XXXX and now its up close to XXXX, because they 'll accept my payments and then deny them once they hit the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is the second time XXXX has reported this to a collection agency. The previous agency rejected XXXX 's claim because the debt could not be verified, and XXXX provided no proof of what they were charging me for. 

They are attempting to collect {$470.00} on phone service I do not have -- I have been an XXXX customer since XX/XX/XXXX. XXXX has previously told me that my account was closed in XX/XX/XXXX and they are unable to access it. I do not know what this debt is for, XXXX does not know, and has not provided me or the previous collection agent any information. All they did was refer it to another collection agency. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (I do not know) with Roycroft Management (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Received a voicemail from someone named XXXX XXXX and he claimed to be a process server. He stated that he was going to serve me with summons papers if I did not call the company that filed the complaint. He instructed me to call XXXX XXXX XXXX XXXX XXXX XXXX to prevent him from serving me with the summons at my job. He said if I did not answer the summons I would lose my case. He also threatened to contact my employer and inform them that I had a judgment against me and that I would be arrested. This person also left this exact same message on my mother 's voicemail. I attempted to call the number provided but there was no answer. I have received several of these calls since I was notified by XXXX that my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: One Company put in my credit Report a Debt for XXXX dollars for XXXX time. 
XXXX time i did a claim in the All of XXXX Credit Buro : The Result was : DELETED THE ACCOUNT. This account do n't belong to me or was Used my name. 
XXXX Time : The Collection Company tried to Put again this Debt in My Credit Report. I did a Claim and the Result : The Account was deleted. XXXXAnd Today XXXX/XXXX/XXXX i was checking my credit report and appear again this account. Equifax do n't send any information why or the reason that this Collection appear again in MY CREDIT REPORT. 
I need your Protection for eliminated this account for ever of my Credit Report. And Also put the penalty for Equifax because do n't obey the Law for reinsert Collection deleted for XXXX time. Of course the worst situation is They had proof for my XXXX claim that this Debt is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I defaultedt on my private student loans with and Navient in 2012. Since then I 've made payment arrangements with their collection agency XXXX and I 've made every payment on time since 2012 according to our agreement. The unfortunate part is as long as I owe them, my loans will stay in default. these defaulted loans will continue to impact my credit until I pay them off in full which negatively affects my buying power. XXXX has ruined my family life and navient has not helped me with any other options to better my situation. I still owe over 40k and I 'm told I will remain in default until the loans are paid in full. This is a lifetime punishment as I 've already been in default for 8 years. It 's ashame I had to default for the collection agency to work with me and give me a reasonable agreement because Navient would not.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Inquiries were removed and re added without notification or reasoning. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACE CASH EXPRESS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: An employee with ace cashing changed the last digit of my driver linsence. The check was from XXXX XXXX in the amount of {$5000.00}. The last digit of my linsence is XXXX not XXXX. XXXX XXXX was able to get a packet to me. I 've mailed information out of the city, I have n't been a letter to receive mail. Until now, because there is a company name surrounding my name. I ca n't submit a change of address through The United States Postal Service. Due to theft of mail through the internet. It appears as though I 'm included in a group for the person/persons to get group discounts & senior citizens benefits. These are corrupt dangerous people. Please research the wage earner case number XXXX. The courts shows I was discharged XX/XX/XXXX. XXXX XXXX XXXX XXXX was refinanced on XX/XX/XXXX, while I was under wage earner. The new loan is with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX did not give me a receipt or a copy of terms

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (WI).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, Chase denied a purchase with my Freedom account ending in XXXX. I have been a customer of Chase for over 20 years, and have never had a purchase declined. I was given different reasons why the purchase was declined. One excuse put forth was the transaction was out of state. Because of this poor service, I cancelled my account with Chase Freedom ending in XXXX. Chase went so far as to email some of my financial information to a third party. They do not have my email account because I do n't have email. A complaint was filed with the XXXX, XXXX in New York state. Please contact me if you need additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have repeatedly requested proof of validity of XXXX alleged debts. Equifax has listed both of the accounts as disputed by consumer for over 30 days. XXXX has not responded to repeated attempts at communication both by myself and CFPB. XXXX XXXX XXXX XXXX XXXX have not provided validity only a blank form page provided to CPPB with first complaint submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing statement

Complaint: Kohl 's paperless billing system for their Kohl 's Charge program fails to provide consistent notification of account status, and their web site frequently encounters technical issues which make it impossible to check account status or make payment in a timely fashion. I believe they are manufacturing late fees on their charge cards for profit and I have evidence to show this pattern. I have spoken to their customer service department, their customer service supervisor, the online secure message center, and to XXXX ( XXXX ) who is their Executive Correspondence Advisor - ( the person who calls you when you email the CEO. ) At every level they refuse to acknowledge their error and say the matter is closed and that nothing will be done. Here are dozens of examples of the pattern I mention from just XXXX credit card review sites : XXXX A satisfactory resolution would be a refund of {$68.00} of late fees and corrected credit reporting to " pays as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received a phone call XXXX about a traffic citation that occurred in XXXX XXXX Florida XX/XX/XXXX XX/XX/XXXX. The citation # issued that date XXXX. That is exactly XXXX years, XXXX months, and XXXX days from today. I never received a notice in the mail XXXX about this debt, but yet the company placed erroneous information on my credit report. I paid all of my outstanding tickets XXXX which allowed me to have a valid FL Drivers license and has been active for more than XXXX years. XXXX XXXX never submitted to me anything in writing about the debt and have not validated that the debt actually exists. The XXXX XXXX XXXX XXXX XXXX Court does not issue any licenses without paying outstanding citations. I do not owe the XXXX XXXX XXXX XXXX Court for any citation nor have I been notified of any outstanding debts from them. All debts have been satisfied. XXXX XXXX only reason for reporting this information to the credit bureau is to discriminate against people of monority descent. We ask that you intervene and request that XXXX XXXX provide proof that there is an outstanding debt and that it actually has ownership of the debt from the original creditor. I checked the XXXX XXXX XXXX XXXX Court website today and did not find any traffic citation that matched the one reported on my credit report. See web link XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In   XXXX   XXXX  , I was in the process of applying for a home improvement loan and found that there was an unknown cre dit card through BarclayCard o n my credit report. I had called and disputed the card and charges, which at the time was approximately {$2700.00}, and after that did n't think anything of it since I was told I would get a phone call if there were any other questions. In about   XXXX   XXXX   XXXX   I called to check and make sure that there was no longer an active account in my name, at that time I was told that someone had called and claimed responsibility for the debt the day after my initial dispute. I continued to dispute the charges and they told me that since someone took responsibility the dispute will come back denied each time I put it in. I have received a collections notice from the agency representing them now and am still disputing the charges which are now {$2900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDMARK FINANCIAL SERVICES (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Lendmark Finan loaned money for a metal building I paid it off... there was confusion because they recorded it as 2 accounts.
Account XXXX and XXXX  
they reported it incorrectly. It is and was paid in full.. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XXXX, I have spoken with the collection agency, which admitted that they do not have any information ( social security number ) or otherwise that confirms this debt is mine. I have asked them to remove this debt from my credit report, but they have yet to do so. I am trying to purchase a home that is scheduled to close XX/XX/XXXX, being told that I must address this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX at XXXX XXXX XXXX on loan # XXXX chase # XXXX will not help. My wife and I have been dealing with chase bank for over XXXX weeks on a simply information request. chase issued a XXXX misc to the irs for XXXX for my wife and her ex husband as extra income as part of short sell on mortgage they had. The IRS adjusted both my wife and her ex husband tax returns to for XXXX each. there was only XXXX XXXX check. XXXX XXXX will not address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Rewards

Complaint: I purchased cruise from XXXX on XXXX XXXX, after logging in to CiTi 's Cash Bonus Center and did everything as CiTi recommends, that is first I logged in to CiTi 's Bonus Cash Center and then clicked link to XXXX web site where I signed into my XXXX 's account. All this time, CiTi 's Bonus Cash Center web page was open as required for getting XXXX % bonus points. XXXX website required to call them to get some awards for the cruise. I called and worked with XXXX 's cruise salesperson who told me repeatedly when asked that paying on phone while you are on XXXX site linked from the CiTi Bonus cash center is the same as paying on line. 
CiTi refused to pay bonus points of XXXX % and refused my appeal on the grounds that I did not make purchase on line but on phone and what a third party ( XXXX ) who is their partner in their marketing and advertising and promotion does NOT matter and is irrelevant here. To me, if you partner with someone, you have joint responsibilities to honor your commitments. 
It seems to me that CiTi is looking for a loophole or some technicality to refuse to pay when I am out of significant amount of cash. 
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 monetary relief
Consumer complaint received 10-10-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: APR or interest rate

Complaint: I have a Macy 's Credit card. I made a payment in full including the interest assessed on the balance on XXXX XXXX Macy 's charged an interest fee on XXXX XXXX XXXX XXXX and XXXX XXXX without any balance on the account, there was a charge in less than 30 days of additional XXXX $ on a previous XXXX $ interest- 100 % interest rate? Customer service has refunded the {$4.00} but ca n't give an explanation about how the recurring interest charge on XXXX balance is valid or reassurance that this will not happen again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Although numerous complaint has been filed against Wells Fargo Mortgage to include # XXXX and its foreclosure lawyers, XXXX The same pattern of violating the law continues in an attempt to unlawfully forclose on our home. 
In our last telephone ( telecom ) conversation on XX/XX/XXXX to discuss the XX/XX/XXXX letter ( see attached ) you informed us your office was looking into as to why Wells Fargo Mortgage XXXX for Loan Modification never responded to our numerous written and telephone request as which other additional documents needed to complete the review, including a complete appraisal be conducted on the properly since the Team had apparently used old data in determine Net Present Value ( NPV ) originally. 

During our telecom you also assured us that no Sale Date for the property was scheduled. To the contrary today XX/XX/XXXX we find the attached Notice of Sale taped to our front door for schedule sale date of XX/XX/XXXX at 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 12/17/2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My mother had a reverse mortgage with Wells Fargo. I am her executor. I have spoken to Wells Fargo along the way and have always been told not to worry, there is plenty of time once she no longer lives in the house to sell or sign over to the bank, nothing happens immediately. She passed away on XXXX/XXXX/XXXX. Two days later, XXXX/XXXX/XXXX my husband was diagnosed with XXXX. So I was planning my mom 's funeral and dealing with my husband 's XXXX illness at the same time. I did not immediately or for a couple months contact Wells Fargo due to having so much on my plate. When I did, I never received a call back from the person listed in the letters as my contact. Then foreclosure was started. My attempt to deal with a live human being and actually get anywhere was met with countless minutes spent on hold, getting different answers, getting pushback on what was needed to get anywhere. I simply needed to know how much was owed Wells Fargo so I could decide if, based on comps I had obtained, I should place the property up for sale or sign it over to Wells Fargo. Based on their absolutely horrible customer service and living up to past promises, I feel I should be treated with respect in trying to determine the best course of action. Each call I made, I was of course given the disclosure that the calls were being recorded. Therefore I know there is proof of my attempts at resolving this situation without going all the way to foreclosure. I finally, out of desperation, got my mom 's attorney involved, which of course will cost the estate more in unnecessary charges. Surely there is some protection against this kind of behavior. I can assure you we did not walk away from the property and it has been maintained, association fees paid, etc. If I was applying for a mortgage I am sure I would be treated with utmost respect, but after losing my one remaining parent, dealing with that grief as well as my husband 's XXXX, I have been treated like America 's biggest flake. Today, XXXX/XXXX/XXXX, I am awaiting the payoff, which I have been promised through my attorney to receive by XXXX/XXXX/XXXX, so that I can make a reasonable decision on what to do next. I feel Wells Fargo is not acting in good faith, and should be made to correct their deplorable tactics in dealing with family members who have lost a love one, after that loved one was talked into the reverse mortgage with sugar dripping from the mouths of the Wells Fargo employees. I feel XXXX every time I get off the phone with them, which is why I finally asked my mother 's attorney to step in.

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 12/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Transaction issue

Complaint: I went online to XXXX on XX/XX/2016 and purchased a TV sound bar bundle. Confirmation number XXXX. The order went through ; however, Bank of America denied the charge, then accepted the charge. Since they initially declined the charge, the order with XXXX was cancelled. When I found out, I called back to XXXX who said the item is now out of stock and the offer is no longer available. I had to purchase this item elsewhere and the total loss is {$220.00}. XXXX has advised the person of wrong doing is Bank of America for cancelling denying the initial transaction. I would like to be made whole and Bank of America has declined a valid charge. Loss : difference in pricing {$50.00}, XXXX Cash {$150.00} ( for making purchase ), XXXX rewards {$50.00}.

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