milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Syncb/Care Credit, I have tried 3 times to fix this on my credit report. I have never received confirmations of this debt. I was told it was transferred and or sold to another debt collector. I was told to call other phone numbers that I cant leave messages at or talk to representatives about. Nowthey have submitted a Charge-off as bad debt comment in my credit reports.

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 12-08-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I requested an interest only period when my loan entered repayment in XXXX per Navient 's suggestion as I was unable to pay the full amount. They assured me it would take effect before my first payment was due. About a month later I inquired since my payment amount did not change and was informed I was not eligible for that. They suggested a forbearance, but told me not to request it until XXXX XXXX so it would cover the full 3 months. I have gotten harassing phone calls every day since that instruction several weeks ago. Every time, the agent read the notes on my account and told me they would hold further calls until XXXX XXXX when I could request the forbearance. Yet, I still get called evey day multiple times per day. They will not stop.despite advising me to wait until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery associates, LLC is o n my credit report ( on all  XXXX  bureaus ) twice. While they did send a verification of the debt for  XXXX  the accounts they have and what it was for, they have n't validated the debt to be mine nor have they responded to my request for verification. They are vultures. They buy old debt for pennies and try to get a full amount even after statue of limitations expires and they harass a bunch of people. They call all the time at weird hours, especially at  XXXX  when I am ASLEEP.   Just today, I was looking up to see if they were licensed and/or bonded in my state and they do n't show up anywhere on the site for the state of Wisconsin.   I would like them to be removed from my reports as they are ruining my reputation for credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I was not allowed to purchase a XXXX at my bank, with no valid explanation, and treated with disrespect and sarcasm.

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 10/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: IQ Data International has attempted to collect the wrong total from me numerous times. I have tried to settle with them more than 5 times and they are not willing to work with me. The last time i called them the manager told me they are not going to work with me at all and i " need to stop talking about something i know nothing about ''. They are trying to charge me interest on a non interest baring account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Credit card debt) with PCS Receivables Corp. (WA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: This company continues to call prior to XXXX. I do not answer, as my phone is on silent, but I know who it is and it needs to stop.

Company response to consumer: Untimely response
Consumer complaint received 03/30/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have filed several disputes for the account XXXX XXXX acct # XXXX. The credit reporting agency says their reporting correctly, which their going off the creditors original info. XXXX is a collection agency. They bought the original acct from XXXX 's clothing acct # XXXX in which the XXXX delinquent date was in XX/XX/XXXX. What XXXX XXXX is reporting is from the time they bought the acct in XX/XX/XXXX. This account has been delinquent over 7 year and is still reporting to all XXXX credit report agencies. I 've sent letters to XXXX XXXX and to the credit reporting agencies requesting this to be deleted and both are not complying nor are they spending the amount of time to investigate to get the accurate info.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After many years of nearly perfect credit scores. I found out that m y FICA score took a big hit from Barclays credit card. Barclays r eported that I had this card for 20 years. I have never had this card, did not use this card and never wanted it. They said they reported my failure to pay a {$49.00} annual fee.. I never agreed to this. This appears to be fraud.

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed several inquiries on my Equifax report. They have supposedly completed investigation in less than 24 hours, reporting they have factual record of file access. I have requested they send me " factual records '' & it has not been provided. For car financing inquiries, it was requested at dealership that my they not 'shotgun ' my credit, meaning not to send to multiple financing companies.  XXXX  representative stated to me that they would not do a hard inquiry when starting services. Representative stated she need to do a soft pull just to make sure I did not have a balance from an old account. I have made multiple attempts to contact  XXXX  and they continue to transfer to someone who speaks broken English and can not understand my request.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX banks are reporting wrong as XXXX XXXX XXXX, XXXX and XXXX should notbe their! XXXX accts were paid in full 15 yrs ago and XXXX did n't beloing to me! XXXX credit bureaus are reporting wrong XXXX, Experian and XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have talked to the first collection agency XXXX XXXX XXXX about this same debt and I have sent proof and documents that this account does not belong to me and its is not me debt, and they have since remove the account. 
Now I see on my credit report that another collection agency Enhanced Recovery Company or ( ERC ) sent me a notice in the mail on XXXX XXXX 2016 stating that I owe this debt. 
I am sending a letter along with this complaint to the CFPB and the FTC to say that this debt is not my debt and I never authorized any debt from XXXX nor ERC. This letter to ( ERC ) in response to an unauthorized traded on my Credit Reports. Be advised, this is a refusal to pay, because I never authorized or open any trade with your company or the original creditor, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I am starting to notice the deceptive practices that these collection agencies continue to mislead and deceive consumers and how nothing is being do n't to stop it. This is a violation of my rights under the FCRA and needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (VT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: ISSUE : XXXX XXXX mishandled or misapplied loan payment, incorrectly charged {$35.00} late fee, charges an exorbitant " servicing '' fee per transaction, and refused to answer any questions about payments. 

BACKGROUND : I have two outstanding Perkins loans from XXXX College for {$2300.00} and {$1700.00}. XXXX XXXX, a subsidiary of XXXX XXXX XXXX, services those loans. I made my first payment for about {$50.00} after my loans exited deferment. I did not receive a notice that my payment did not go through. My subsequent bill advised that I owed 2 payments for {$110.00}. I immediately made a payment on XX/XX/XXXX with an additional " service fee '' for {$1.00}. I made sure to enter in the correct bank account number. I received a payment confirmation on XX/XX/XXXX at XXXX XXXX. I did not receive any notice that my payment was declined or cancelled. 

On XX/XX/XXXX I received a " Second Past Due Notice '' advising that I owed {$130.00}. I immediately went to XXXX XXXX 's website and opted to make a debit card payment ( in lieu of a payment from bank account ). The requested amount was {$190.00} -- this was a different number than the {$130.00} quoted on their past due notice. I made a debit card payment. XXXX XXXX   charges an additional {$8.00} " service fee '' to process credit card/debit card payments. The total amount I paid was {$200.00}. I received a confirmation email at XXXX XXXX that my payment was received. 

After, I attempted contact XXXX XXXX 's customer service through the chat box. XXXX was the customer service agent that responded to me. I asked 1 ) why my payment did not go through ; 2 ) why they charged such a high service fee for credit cards ; 3 ) and if they had any record of my payments. She flatly refused to answer my questions. She advised I should contact my school, XXXX College.  After asking why she could not answer my questions she proceeded to immediately terminate my conversation with her, close the chat box, and making it impossible for me to copy and paste our conversation. 

COMPLAINT : 1 ) XXXX XXXX is mishandling student loan payments and unfairly and unlawfully charging late fees. 2 ) XXXX XXXX refuses to engage with student borrowers, answer questions, and provides false and misleading information to student borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of XXXX, Experian and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.

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 07/15/2015 about Debt collection (I do not know) with Renew Financial, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XX/XX/XXXXA man called my home asking for me by my name, he said legal action has been filed against me in court and he was coming to see if I was home because he was on the way to deliver court documents. I asked him to identify himself. He said Renew Financial had filed court papers to sue me for a debt. I got their telephone number and case number and called and got a recorded message, I said, I do not know them or of their suit to call back to clear this up, because this is a mistake. 
A man called back asking for my SSN to verify my identity, I refused because I have been a victim of ID theft and he said he had it anyway and gave the last XXXX of my SSN. 
He said I owed for a company I dealt with XX/XX/XXXX, and he was to set up payment arrangements. I told him I do n't owe anyone and I do n't recognize the company. I also told him I am calling a lawyer. He was not phased and said tell the lawyer to call him. 
To my knowledge I do not owe this company. I also checked the internet on this company and found several complaints where they are calling consumers trying to make people pay for old debts and debts they do not owe. I am concerned that he has my Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with JPMORGAN CHASE & CO. (PA).
Issue: Rewards

Complaint: As part of a {$390.00} annual fee, the XXXX Rewards card through Chase bank offers certificates for 2 free night stays. I attempted to use them on three different occasions and was told that there were no rooms available for free night stay. On each occasion there were the least expensive rooms available at the property but was told the free nights were unavailable. On two occasions, the city I was attempting to book a room had XXXX XXXX hotels but rooms for free nights were unavailable at each, so I really attempted to use the certificates a XXXX different hotels. I feel like this has been classic " bait and switch tactic '' with no good faith on the part of XXXX to honor the certificates. Additionally, Chase Bank is unwilling to do anything in order to attempt to resolve situation, saying it is up to XXXX. I reminded Chase that they were the ones that collected the nearly {$400.00} annual fee. They are unwilling to refund the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: While trying to obtain a reverse mortgage we were required to have and pay for an fha appraisal from a company that aag selects. We did and all was fine until aag informed us the appraisal that they ordered from an fha appraiser was not acceptable as it was too high because we live in a manufactured home. We do not. Our broker and I tried to remedy this to no avail. I even sent them fha regulations. I spoke with the fha. The bottom line-aag wants to lower the appraisal to loan less to the elderly so when we die, they can sell our home and make even more money No wonder reverse mortgages have such a bad reputation I do have all of this documented in writing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This involves a fraudulently opened   XXXX   XXXX   XXXX   card that I thought I had previously removed from my credit report. When I was in the process of applying for a mortgage, I learned of a delinquent "  XXXX  '' account on my credit report. Upon researching the account, I learned this was a   XXXX   XXXX   XXXX   account someone in Georgia had fraudulently opened in  XX/XX/XXXX  using my identity. In early  XX/XX/XXXX , I filed an identity theft report with the FTC, a police report with my local police department, I called and spoke with  XXXX  's customer service, I filed disputes with all  XXXX  Consumer Reporting Agencies, and I placed a fraud alert on my credit report. To their credit,   XXXX   and   XXXX   removed the item from my credit report. Today, on  XX/XX/XXXX , I learned the item still appears on my TransUnion credit report, causing my credit score to be  XXXX + points lower on TransUnion than on the other  XXXX . I called TransUnion and attempted to deal with this issue again. They wanted me to go through the entire dispute process again, sending the police report and FTC report again. I understand that the agent was following company policy, but the redundancy and frustration of having to go through this again is painful and inconvenient.
I am uncertain as to whether TransUnion never deleted this item after the  XXXX  dispute process, or whether  XXXX  attempted to re-report this account. Either way, I am now frustrated by having to deal with this again. If this does not remedy this situation, I will pursue legal action under the FCRA.

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 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NE).
Issue: Money was not available when promised

Complaint: OnXX/XX/XXXX, I had made 3 different transactions for {$100.00} each to 3 separate Crypto Currencies thru the website called Coinbase. I have been trying to reach out to the Coinbase contacts and no response. It is nowXX/XX/XXXX and I still have no money in my account on their website. It looks like thru other forum sites that I am not the only person that is having issues with getting deposits to work on Coinbase. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: In XX/XX/XXXX I closed all my acct with Bank of America. Or so I thought. I regret I did not follow up as I should have. I moved to OH and there is no BoA here so I opened an acct with another bank. I received a letter from BoA date on letter XX/XX/XXXX stating I had an inactive acct with them with a balance of {$400.00} I called and found out that while my savings, money market and reg checking had been closed, my tier checking acct was not. I now had a balance of {$370.00}. After talking with XXXX I find they had been taking a fee out of {$25.00} I was told since XX/XX/XXXX. They could only go back 90 days in their records she said. I talked to a manager, XXXX in SC branch. She said she would credit my acct for {$250.00} of the fees taken and take the rest to the board for a hearing. I asked that the acct be closed then and she said it would take 5-7 bus days. I wrote all this down. I received a letter from BoA dated XX/XX/XXXX stating they were issuing a credit of {$200.00} only. as they assessed the fees taken we of no error. I called back and talked to another manager, XXXX or XXXX and she suggested I write to BoA in XXXX. Then she asks if I would like the acct closed?! I thought XXXX had closed the acct already. This is what happened in the first place saying they were closing the acct and did not, so I had them close the acct AGAIN so fees would not be taken out AGAIN. In all these years not one statement was sent to me letting me know I have an open acct with them. No letters at all. I feel I should be reimbursed for all the fees taken out since XX/XX/XXXX. I will write the letter to XXXX office but feel I am a small fish and nothing will happen in my favor. Can you 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 12-10-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NC).
Issue: Other transaction problem

Complaint: On XX/X/2017 I sent money through western union to my finance company in regards to a payment for my vehicle. The finance company never received the funds and I have been trying to locate the funds ever since. When I call customer service they transfer my call to different departments and then I get hung up on. Every time I call they claim to have opened a ticket but there is never a resolution. Due to the transaction not being completed my vehicle is no longer available. I need help locating and receiving a refund immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (NM).
Issue: Loan modification,collection,foreclosure

Complaint: My mother was diagnosed with a XXXX XXXX. She owned a home and until she became sick, she paid on time every month. She had to be placed in a XXXX but had intentions of returning to the home. I, her son, contacted Wells Fargo who holds the mortgage to tell them the circumstances and got in touch with their home preservation department, specifically, agent XXXX XXXX. For over a year I submitted all the documentation they required, made phone call after phone call and was told the loan mod was approved. I was to wait to receive paperwork and sign the papers with a local notary. This process went on for a year and half. I would call, and I have the vast majority of these calls recorded. During the final steps of the loan mod, after a year and a half, my mom passed away. I immediately called wells fargo to see what we ndo now. I had a transfer upon death deed made to me by my mom. I sent all the information to wells fargo. Wells fargo refused to talk to me from that point on saying I was not authorized, even though I was authorized for a year and a half. I happen to look online and as of 4 days ago, wells fargo submitted a petition of foreclosure through the court. I have asked Wells Fargo for over a yaer and half who to pay, how much to pay, when to pay and was told hold off, hold off. Now the home is in foreclosure???

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 05-01-2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A bill for {$93.00} that I do not owe. Looks like a scam letter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation