milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I wrote a certified letter on XX/XX/XXXX, to the collection agency after seeing them reporting on my credit report. In that letter I specifically requested to : Please also provide the following information for my records. 
What the money you say I owe is for. 
I also need evidence of the original debt that bears my signature, as well as a complete account history, including any charges added for collection activity. 
Provide me with copies of any papers that show I agreed to pay what you say I owe Lastly, Im requesting evidence of your authorization in this alleged matter.

I received a letter back on XX/XX/XXXX without any of this information instead they sent me a computer print-out that does not even have my signature.

I sent them a letter on XX/XX/XXXX explaining this information and to delete all negative marks from my 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 04/21/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I experience a short financial difficulty recently and are in the process of taking a hardship withdrawal from our XXXX. We have been in constant communication with Ocwen Financial Corporation during this short term period and requested a reinstatement letter from Ocwen mortgage XXXX. My husband and I are reinstating the loan in 10 days and want to reinforce that out short financial difficulty is not the motivation for this complaint. On XXXX XXXX I requested the reinstatement quote be sent to the email I have on file with them. On XXXX XXXX I saw that they emailed the quote to my XXXX partners email that myself and our XXXX also have access to and is primarily used for our XXXX to contact us. I quickly forwarded this email to my correct email address and erased it. It was too late, my XXXX partner had already opened the email and contacted me through txt message about it ( I can provide the records if needed ). I then contacted Ocwen and they admitted to incorrectly entering the email address and sending it to the wrong email address. By their error of omitting the XXXX portion of the email address, it was not only sent to the wrong email but was sent to the email address of my business partner and employees. The email address that it was incorrectly sent to was never given to them or authorized for them to use. I confirmed their admission that it was their error and they had not entered the email information correctly. By failing to enter my XXXX name at the beginning of the email address it resulted by matching my XXXX partner 's email address. I XXXX with a partner and was in the middle of a business deal which was very fragile in nature. By sending this email they have compromised this business deal and put the future of my XXXX in jeopardy. By sending this confidential information about my mortgage and my financial position to my XXXX partner and employees, it has not only has impacted me emotionally but has damaged my position in the company and the ruined my buyout and reorganization of the company. It has financially impact me substantially and ultimately it could cost me my XXXX and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with SYNCHRONY FINANCIAL (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have a Value City Furniture Synchrony credit card I make all my payments on time in pay more then what the minimum is, the month of XXXX 2015 I checked my credit reports in notice that Value City Furniture/SYNCB was not report my credit info correctly for the last 3 months so I disputed with the credit bureau that the balance is incorrect but Value City Furniture/SYNCB never respond to the bureaus so all XXXX of the credit bureaus deleted Value City Furniture / SYNCB which has impacted my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/29/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Advertising and marketing

Complaint: I received a prescreened offer in the mail. I did n't want the credit card. It 's for a store I never shop in. Within the materials, there was information to opt out from further offers. I called the number & they asked for my social security number & birthdate. I entered in the information since I have accounts with this bank XXXX Synchrony Bank XXXX. Then they started to ask for my address & name. I hung up. I felt like the number was a phishing scam. The number I dialed was XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I visited Transunion for a credit report. They required my credit card number to bill me XXXX dollar for the report. Now they say I joined their service and want to bill me XXXX a month. They have already billed my credit card for this service even though I did not order it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Unable to get your credit report or credit score

Complaint: I attempted to get a lower interest rate on my HELOC that BOA was advertising. After spending weeks answering questions and filling out paperwork the bank told me my house was not worth {$120000.00}. Therefore, they could not give me a line of credit for {$100000.00}, which was way more than I wanted to borrow. However, they would not give me the lower interest rate unless I could borrow up to that amount. I told them never mind but then they told me my old HELOC was no longer valid and made me sign for a new one I did not even want at a much higher rate. 

There is no balance on this account and I tried to close it because it was increasing my debt to income ratio. I called " XXXX '' on XX/XX/XXXX and she informed me they would close it and when I asked about any fees, she told me there were none associated. Reference # XXXX. I went to the bank a few weeks ago and talked to XXXX XXXX. He explained that my LOC was never closed and when we called their department, they claimed I had to pay a {$74.00} fee. I did not have my reference number. 
Subsequently, ( XX/XX/XXXX ) I called and spoke to XXXX at BOA. I provided the reference number and explained the situation. He told me it was a county fee and I had to pay it. I asked for a supervisor and was left on hold for over ten minutes. When he returned he said the supervisors were too busy to speak to me and too bad pretty much. Therefore, I thanked him and advised him that I would file a complaint. 

Significantly, I had went to XXXX a few months after applying at BOA for a HELOC and they estimated my home 's worth at 150 - 165,000. As a result, I think that BOA is conducting a bait and switch scheme by offering low HELOC rates and then duping the applicants into believing they do not qualify or their home is not worth enough. I have excellent credit so they could not disqualify me there, instead they claim my house isn't worth anything. Consequently, they then talk you into a much higher rate. And just to add insult to injury they want a fee of {$74.00} when I try to close it. Why had XXXX said there were no fees and now all of a sudden there is one? Also, don't they record your conversations for quality assurance? That's what the recording says ...

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 12/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion had an error in their system, many inquiries were deleted and a week later it was re inserted, but a legal procedure was not followed. I spoke to customer service, they were very rude saying i was not affected by it. However, I was it was an error in their end. I did not receive any notification regarding this inquiries and that they will be added back to my report. 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 11-04-2016 about Student loan (Non-federal student loan) with KEYCORP (TN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have had a number of problems with my private loan from Key Bank. They principally deal with the difficulty in getting a forbearance for what I believe to be legitimate reasons. First, when I called them asking about a forbearance they said that my loan did not qualify for a forbearance. But when I looked at my promissory note it said that a forbearance is possible, but at the bank 's option. I believe there is distinction between not being qualified for a forbearance and them looking at my case and rejecting it. When I asked ( after several calls to their customer support ) if there are any options besides a forbearance they said that they have a suspension of payment program that I would have to apply for and then the " work-out team '' would decide if I was eligible. I asked for a six month suspension of payment ( but I was willing to shorten the duration ) because I had to take a leave of from work ( from a company that I co-own ) in order to go home and take care of my dad who was recently XXXX. After talking to numerous customer service reps and managers, I was finally told by a manager that they did not consider me taking care of my XXXX father as an emergency situation that qualified for any assistance at all. 

Additionally, when I recently finished XXXX in XXXX I started making payments on my loan in XXXX - which seems like an incredibly short grace period. Further, when I called their customer service to see if I could postpone or lower my monthly payment so I could have time to get a job ( all I would need is three months ) in order to even consider a decrease in monthly payments much less postponing them, they said that I needed a job offer with an exact start date. I found this odd because I was looking work and could start immediately, so if I had a job in hand, why would I ask for a postponement because I was looking for a job? 

In general I found the customer service incredibly rude and insensitive. One representative even asked me if I really had to be there with my dad when he was XXXX of XXXX. I have other student loans ( although this is the only private loan ) and they all have been incredibly helpful and easy to deal with. I believe that Key Bank represents among the worst in the student loan business.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I bought this XXXX XXXX truck back in 2015 from XXXX XXXX XXXX in XXXX NY. They included mechanical coverage upto XXXX miles without my knowledge and have not mentioned in the discussion we had worth {$3800.00} which is Insane. I got to know when i was looking at my amount paid and balance and then i called them to check and they said we do it daily. Means its with every car they sell but was never discussed 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 explanation
Consumer complaint received 03-04-2017 about Credit card () with U.S. BANCORP (SC).
Issue: Closing/Cancelling account

Complaint: On or about XX/XX/XXXX, I called us bank platinum card, and requested a deferred payment, because I was affected by a natural disaster " Hurricane XXXX ''. I was granted a two month deferred payment, my payment is due on the XXXX of each month I was assured that I did not have to make a payment until XX/XX/XXXX. On XX/XX/XXXX I received a call from us bank collection stating that I was two months behind in my payments and they were calling me for a payment I inform the collector of my arrangement with us bank and offered to provide conformations numbers XXXX and XXXX XXXX, the collector said she did not have any idea what I was talking about, and refused to take the conformation numbers. So I informed the collector that I would be making a payment on XX/XX/XXXX. I made a payment of {$520.00} us bank charged me {$260.00} dollars for XX/XX/XXXX and XX/XX/XXXX the did not grant me a deferred payment as agreed to.us bank reported false information to the credit bureau stating that I was 30 days late, and closed my account, without informing me taking $ XXXXdollars worth of credit from me and dropping my credit score XXXX points.

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 10/20/2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Billing disputes

Complaint: To Whom It May Concern, My name is XXXX XXXX. I currently have a XXXX Chase credit card ( " the credit card '' ). During this time frame I have used the credit card for many large purchases including travel. I 've always enjoyed the customer service and the card itself. 

However, in the last few months, with a XXXX baby born in XX/XX/XXXX, my wife and I decided to start attempting to pay down all of our outstanding debts. We saved for 5 months in order to accumulate the appropriate amount of money to pay off the credit card as a lump payment. I received my XX/XX/XXXX statement on the XXXX and a payment due date of XX/XX/XXXX. On XX/XX/XXXX, I issued a payment of over {$4000.00} to pay and eradicate this fairly large credit card bill. At the time of payment I went through the online payment system as I did every month. Once the payment was processed my wife and I sighed a sigh of relief to have paid off that large of a debt in one lump sum, as it is not easy to do now-a-days and with the new baby. 

Then, my wife randomly checked the XXXX account to see our points total, and she noted a balance of {$49.00} for interest charges. I called and spoke with a customer service representative and a supervisor however, neither of them had an answer to my question and concern. 

I 'm extremely dissatisfied with that fact that when I paid a large payment of over {$4000.00} there was no message or information that would indicate to me that additional charges would possible to be incurred to me within the next month due to unaccrued interest. I feel that the absence of such information on their website when making such a large payment is extremely misleading. As the system should be able to flag that the account is being paid off and a message would be made available that would indicate the aforementioned information. The website is extremely misleading and I truly feel it is unfair that I 'm now forced to pay an additional {$49.00} when I thought I paid off my entire balance. 

I truly feel that by not giving a customer a complete or total balance to be paid off is misleading and unfair. Even their supervisor mentioned that had I even called to make my payment they would not be made aware of the total interest charges I would be charged. So had my wife and I not checked the account for our points balance, and maybe not looked at the next statement because we figured we paid off the account, I would then be on hook for not only the {$49.00} but the late charge fees plus additional interest charges again. 

I would greatly appreciate any information someone could provide as to how this is going to be settled and or what the resolution would be for not only my self but every one of their customers. Please feel free to call me at anytime during normal working hours EST, XXXX, or email me at XXXXXXXXXXXX. 

I thank you in advance for all of your assistant and information. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Kohl 's allowed for a credit card/charge account to be opened in my name and under my social security number. When I contacted Kohl 's they refused to help me and told me that I should pay the bill. I told them that not only did I not open the account that the charges that they were trying to get me to pay were fraudulent. I did not open this account, I did not authorize this account to be opened in my name. This is a fraudulent matter and Kohl 's has started sending me threatening letters, and calling my phone constantly trying to get me to pay for a balance that was charged on the account that they allowed to be opened fraudulently and each time I try to relay this information to them they refuse to assist me. They are now violating my rights by reporting this fraudulent account against my credit bureaus, and they are trying to collect money from me by using abusive tactics for a debt they have been told was fraudulent. The following account was opened in my name fraudulently : Account XXXX This is fraud and should have never been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: For at least a year or longer, Macy 's has messed up the accounting on my credit card, which I 've had for well over a decade. I just tried several times to reach it at a so-called customer service number ( XXXX ). It is impossible to reach anyone there, as there are numerous phone loop recordings at that number. Among other things, Macy 's lowered my credit limit, allegedly because XXXX provided it with a false credit report. It should have gotten a ( partially ) corrected copy of it by now, as I asked XXXX several times to provide one. However, throughout the last year, Macy 's continued with numerous, habitual errors, even after I called several times to correct it and was told that it was corrected. For example, it habitually mailed checks for balances on my account, then treated my account as though I cashed the check with the credit balance when I did not. I would call Macy 's about this, with little to no avail. Macy 's continued to show less on my account even when I had overpaid it and had a balance on it, with the difference explained by a lost or uncashed check, often one that I 'd told Macy 's about. Then when it received no additional payment, it charged me phony late fees. I would call to have that corrected and often was told that it would be when it was not. One example appears to be a {$2.00} charge from XXXX XXXX, 2015 that I should not have. Add to these problems ( of claiming that uncashed checks eliminated credit balances, then using that to charge illicit fees ), as is the case today, no one can be reached at the numbers printed on bills, so there is no way to verify even the false balances Macy 's has been attributing to me throughout the last year or longer. As I write, I just heard a recorded voice tell me that my balance was {$73.00} and change, but I have little idea of what explains it, since I have not gotten a bill and can not reach anyone at their so-called customer service center. I have not gotten a bill from Macy 's in months and can not reach anyone there to discuss this and other problems. I should not have to roll dice to decide what to pay Macy 's, if anything, but that is what I am having to do.

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 06/28/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX ALONG WITH THEIR CONSORTIUM CIRCUS VIOLATED MY CONSUMER PROTECTION RIGHTS ABROAD! ATTACHED FIND MORE ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have called the credit card company on XXXX/XXXX/XXXX and filed a dispute for a charge on my statement for the amount of {$130.00}. A temporary credit for the amount was received on the same day. 

On XXXX/XXXX/XXXX I noticed the credit has been reversed on XXXX/XXXX/XXXX implying that an investigation has been resolved against me. I called the dispute department and was told that they will email me to the record on file and send a physical letter to my address to properly advise me how to continue. 

He had also advised me to review the rebuttal letter they have received from the merchant online and I did. 

On XXXX/XXXX/XXXX I called the dispute department again since no email or letter has been received. The female agent I spoke to said she will ask them to send the letter again. I asked her if there was a limitation on time she said the deadline is XXXX/XXXX/XXXX and I should have plenty of time to respond. 

I asked if the letter can be sent to me by email she said yes. 

On XXXX/XXXX/XXXX I called the dispute department again to verify the email address on fie since nothing was received since my last call. 

I spoke to another female representative who told me for the first time the deadline to submit additional document for continuation was XXXX XXXX, XXXX XXXX 3 days before I 've learned about the credit reversal XXXX there was nothing they can do to continue the dispute. 

I did not feel that they have treated me fairly as an individual consumer. The merchant has distorted the story but I did not get a chance to state my side of the story.

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