milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Credit card () with SYNCHRONY FINANCIAL (VT).
Issue: Closing/Cancelling account

Complaint: 1. Applied and was granted " Care Credit '' card thru GE Capital Retail Bank in XXXX XXXX. Contract was for {$500.00} credit limit, with 6 month interest free promotion, no specific amount. 
2. Timely payments made. Promotional balances paid prior to promotional expiration date. 
3. XXXX XXXX received email advising bank name changed from GE Capital Retail Bank to Synchrony Bank. Email states " GE Capital Retail Bank XXXX " GECRB '' XXXX -- the issuer of your CARECREDIT Account -- is now Synchrony Bank. Do n't worry, most things remain the same. What is changing are the email addresses for XXXX ''. 
4. Never did they advise that the purchase amount needed to be over {$200.00} to be eligible for the interest free promotion. I called complained, they refused to go by the original contract and charged interest. I continued to make timely payments and pay the interest even though it should have been interest free. 
5. I called in XXXX XXXX to see what the promotional amount/details were and was advised the 6 month interest free promotion was for charges over {$200.00}. 
6. XXXX/XXXX/XXXX I incurred a {$370.00} charge at the XXXX XXXX Vets, and was advised that my Care Credit card had been denied. 
7. I contacted Care Credit and spoke with XXXX who advised the account had been closed as " high risk ''. When question XXXX became firm and raised his voice. I requested a supervisor. 
8. I spoke with a supervisor XXXX who was worse than XXXX when it came to aggressiveness and raising her voice. She stated I was lying as the promotional value was always {$300.00}, never {$200.00} and certainly was never any amount charged. She refused to view my history to prove she was incorrect. She also refused to reinstate the card, advising they had done a " Credit check '' on me and decided to close the account as " High risk ''. She told me they could do a credit check any time they wanted and close the account whether it was in good standing or not!! I then disconnected my call with XXXX as she was absolutely worthless in the customer service dept. She also advised they sent a letter stating it was closed, which they did not. Nor did they state it was closed in XXXX XXXX when I contacted them regarding the promotional details. 
9. I currently owe the vet for the {$370.00} charge, and feel that Care Credit should reinstate the card as they never advised it was closed, not should it have been closed. THE SIMPLY CLOSED IT AS THEY WERE NOT MAKING ANY INTEREST OFF FROM IT. THIS IS NOTHING BUT FRAUD. Care Credit/Synchrony bank has violated the contract. 
10. Remedial Action : I want the credit card back with the exact same promotion as promised, received initially and as the contract stated, at which time I will again make timely payments. OR : I want Care/Credit to pay XXXX XXXX Vet for the {$370.00} that is due, and they can keep the account closed. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I am a victim of identity theft. This dispute is about a checking and savings account at Chase. I have two previous complaints against JPMorgan Chase bank. These complaints were in reference to a credit card opened as a result of fraud. XXXX from the Chase executive office reached out to me and told me that Chase was holding me liable for the credit card because I had been inside of a branch of showed ID. Upon disputing that with XXXX I asked him to get me the location of the branch and the name of the branch manager so that I may visit that branch and show ID and prove that it was not me that went inside this branch. XXXX called me back and told me that upon doing further research Chase found that I had not been inside of a branch after all and they they were opening up the investigation again. XXXX told me that Chase opened a checking and savings account in my name and that I needed to dispute the checking and savings account before the credit card account could be removed. I submitted the documents Chase asked for. Please note that I have attached the police report number but I was not given a copy of the report so I am attaching what I was given. In addition to the affidavit from Chase I am attaching a copy of the FTC affidavit of identity theft, a copy of my photo ID and a copy of the lease from the apartment I was living in during the entire life cycle of this account which is not the address Chase sent credit/debit cards and or checks to. XXXX told me on the phone that he asked the credit bureau department at Chase to update my credit report to temporarily remove the negative reporting while the investigation was completed, however as of XXXX that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Over XXXX years ago XXXX XXXX XXXX charged off a debt. Its so old that its no longer showing on my credit report and they are out of business ( see document attached ) so there is no way of verifying original creditor or amount. Cavalry SPV LLC is trying to attempt to collect that debt. This is a XXXX party debt collector. The debt and the statute of limitations has expired on the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Bankruptcy

Complaint: I had XXXX credit card accounts with HSBC. They were both discharged in chapter XXXX bankruptcy. On my credit reports they were showing the status as " CHARGED OFF ''. I disputed these accounts with the credit bureaus and they both came back as verified. I then wrote HSBC a certified letter asking them to update these accounts to show that they were " INCLUDED IN BANKRUPTCY ''. I sent the letter certified mail. That was 3 months ago and I have not received a response from them. I then disputed the accounts again in XXXX and once again they came back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Former XXXX XXXX Customer, Fired them in XXXX 2014. I returned all equipment in their provided box and paid all bills. I had no contract with them. About 9 months ago collections agencies started putting {$160.00} on my credit bureaus as unpaid. I have opened a complaint with my State Attorney Generals office as well. I owe XXXX Nothing all accounts are paid in full. They have now switched to the XXXX debt collector Allied to ding my credit with which I will fight but they just continue their fraudulent practices.

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 10/30/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Closing on a mortgage

Complaint: This complaint is against Penny Mac Loan Services. 

Last year my house flooded due to a pipe break caused by a storm. At the time the insurance company underpaid the insurance claim by over {$60000.00}. It took a year to get resolved but we finally got a settlement for {$32000.00} on XXXX XXXX XXXXXXXX. On XXXX XXXX XXXX I called Penny Mac to state we received our settlement amount and that we had completed all repairs. At this time we were currently going through mortgage modification. 

I called in on XXXX to inform Penny Mac that we have a settlement but no checks yet. I asked to have an inspection on the home since we completed all repairs on the home. At this time I was told they could not send out an inspector until we received the checks. At the time I joked and said " I hope a storm does not come through and redamage the home. '' Hurricane XXXX hit and damaged the home with rain water intrusion and broken windows. I received the insurance checks on XXXX. I contacted Penny Mac about releasing the funds to me. It was denied because they wanted to do an inspection. I told them the work had been completed already. 

I have been having weekly conversations about the exception to have our check endorsed. Penny Mac was inconsistant with the needed documentation. We provided everything we could over a 30 day period. Finally on XXXX XXXX we were told that we can get the check endorsed as long as we sent over the settlement documents and the check with a prepaid envelope. We followed the instructions but this was just a ruse to get us to send in the check. Once we sent in the check we were told that it was not going to be endorsed and sent back. That the funds would be paid out AFTER ALL THE NEW DAMAGE WAS REPAIRED. 

Because they told us that they were going to endorse and send back the check immediately we moved forward on other options within our home and used reserve funds to get things completed. Now it could take months or years to get our money back from the bank. 

This is currently causing a loss of {$14000.00} per day for my business because I do not have the funds that should be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: Wells Fargo Bank XXXX XXXX XXXX, GA XXXX XXXX XXXX denied me access to Small Business Non Profit Checking Savings Account ; Federal Violation of ECOA Discrimination Violation of Civil Rights Act as Amended base on my ( XXXX ) XXXX XXXX ( XXXX ) XXXX for a NonProfit Faith Based 501 ( c ) ( 3 ) IRS ; Active Status with the Georgia Secretary of State Office and sent me away to produce Articles of Incorporation and Certificate of Incorporation that has been in Wells Fargo Profile sinceXX/XX/2002. Lack of professionalism on behalf of that Branch Manager and staff member for offering to cash a personal check written by a Wells Fargo Customer to me in denominations of {$20.00} bills ( total check {$3.00} ) or offered me to go to another Wells Fargo Branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. )  XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. )  XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 08/26/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (FL).
Issue: Account opening, closing, or management

Complaint: I recently paid off my car loan on XXXX and have been contacting US bank every day to get the lien released. Every day I get a different answer, 7 - 10 days to process 4-5 days to process, I have been told 3 times the load was paid on the XXXX, until today which is XXXX and was told it was just processed today and another 7 - 10 days to process then mail to me. It is electronic and I have someone who wants to buy the car but ca n't until the lien is cancelled. I have been hung up on three times when asking to talk to a supervisor, or put on hold for a brief moment to check the status and 35 minutes later I hang up. I fulfilled my obligation and am getting frustrated about getting the clear title to my car. They only have XXXX customer service number so you have to go through the same log in each time. They have closed my account, which they did the same day the loan was paid, so I ca n't even go online to find out what is going on. They have no local banks so I ca n't go in person to speak to a banker.

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 09/30/2016 about Debt collection (I do not know) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Calls from a # that does n't state who they are. Sent cease and desist email and they still call. Never received any written notification of what the debt is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I see that XXXX charged off an account. They should n't have done that. I purchased a cell phone and service that did n't work. They made me wait and try different methods, try calling out and in but the calls would n't go through or would drop. Then, they agreed to take the phone back and cancel the service no charge. But, later I get a bill for $ XXXX.I disputed it. They claimed it was for one month service, that I made calls. ALL of the calls either did n't go through or dropped in a matter of seconds. They insisted and I disputed the charge. Finally, after going back and forth for months, I gave up and gave in. I paid the XXXX {$87.00}. Now, I find that their horrible business tactics affected my credit score. I want this charge-off deleted, please. It 's not correct. I should n't have had to pay them in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 09/29/2015 about Payday loan () with EZCORP, INC. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: The interest is 782 % they already in one month took {$290.00} with only XXXX to my loan principle. I borrowed XXXX However. the issue is that I was given false information on the payment amount. I was told that my payment was going to be {$100.00} each of my pay period in which I agreed. But in reality ONLY the first payment was going to be {$100.00} and all the ones were going to increase to {$190.00} each pay period. Which is totally insane! I would have rejected the loan if they would have given me that info in the very beginning! I do not have any paper documentation because I saved the email XXXX XXXX had first sent with all the information and It has disappeared from my box. But I am willing to swear under oath that he had sent me the information indicating the payments of {$100.00} NOT {$190.00}. XXXX became very verbally hostile when I questioned their false tactics. He then added more fee 's to my balance for asking him to take out the remaining XXXX on the next pay period. ( I had to borrow the money from family members so I can get out of this terrible situation. )

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm requesting to have this debt removed from the XXXX credit bureaus. I have not idea what this is from and it 's affecting my families ability to seek the financial help we need. I 've attached the mark on my credit report. 

Thanks, XXXX XXXX

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. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I 'm one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. I want to hold them accountable for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have been receiving daily harassing phone calls from " XXXX XXXX '' and " XXXX XXXX '' who work for Premium Asset Services , LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and given phone # ( XXXX ) XXXX. 

When I called to find out why and for what reason I was passed to " XXXX '' who claimed he is the " Director '' of the firm and that I borrowed money from someone who I didnt pay back yet he would not say who the money was owed to. I asked him to stop the calls and then he proceeded to tell me I was " a funny guy '' and asked " how was my girlfriend and my wife '' ( I have no wife ) suggesting he could hurt them in some way. I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (I do not know) with American Collections Enterprise, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked American Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 explanation
Consumer complaint received 10-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing statement

Complaint: I wanted to close my capital one card years ago because it had a low limit and I was approved for an XXXX XXXX card with a much higher limit. I called to pay my balance in full and close the account. The girl I spoke with said she processed my payment and closed the account. I never heard from them again. Years later I get a call from a collection agency. I kept hanging up because as far as I knew I did n't owe anyone a dime. Then I got a collection letter about a capital one debt ( my exact balance owed when I closed the account : XXXX dollars. ) I called capital one to pay the debt. The girl I spoke with said she saw the note indicating I requested to pay the account in full and close it. Yet somehow they never processed my payment! She transferred me to the collections rep and I immediately paid in full. This NEVER should have happened. I never got a single statement nor phone call from capital one about this. My number has n't changed in over a decade. They could have told me about THEIR mistake any time. Now I have a charge off affecting my credit because some inept representative did n't do what she said she would.

Company response to consumer: Closed with explanation