milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2016 about Debt collection (I do not know) with Rent Recovery Solutions (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from RentRecovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RentRecovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Chapter XXXX bankruptcy invalid reporting wrong date, reference number and amount did not file chapter XXXX bankruptcy ; XXXX and state collection are not my accounts invalidly reporting no contract and needs to be removed asap

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 10/20/2015 about Consumer Loan (Installment loan) with DISCOVER BANK (CA).
Issue: Shopping for a loan or lease

Complaint: Discover Financial Services ( Personal Loan ) ran XXXX inquiries on my credit report so far in 2015. On an account that has never been late and is in perfect standing. I believe this accounting practice is designed to stop me from securing any further credit so I can pay off there loan. The nefarious accounting practice must stop. I believe an audit of Discover Personal loans will show this is a wide spread accounting practice. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Mortgage (Conventional home mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (NC).
Issue: Trouble during payment process

Complaint: I have tried to order a copy of my Promissory Note several times ( XX/XX/XXXX and XX/XX/XXXX ) via fax on behalf of my clients. Prior to the faxed requests, I asked them to verbally in XX/XX/XXXX to provide  a copy. I am working with XXXX XXXX XXXX in XXXX, NC to get assistance with the Hardest Hit Program Fund. They have not responded to the requests and it has been over 30 days since my initial request. 

I would like for them to cancel the Forced Place Coverage Homeowners Insurance and replace it with my policy that they with XXXX XXXX XXXX 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 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We had Internet in our old apartment while I was serving in the United States XXXX. 
As we moved because I was a separating the military we ended our account with our XXXX. 
We went to pay our final bill and we were told we do n't owe anything on the account which means we allegedly had a {$0.00} balance. 
Months later I saw that the XXXX had sent us to collections for the amount of {$62.00}. This is incorrect as we were told we owed nothing on the account.

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 08/28/2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing statement

Complaint: I submitted a complaint yesterday about this problem. Complaint No. XXXX. This morning, a Sunday, at XXXX I received another threatening call from Macy 's to pay my bill ( which was never received ) or else ; I explained the situation again and was told they mailed a bill to me on XXXX, XXXX ; how could I possibly receive it in XXXX day since there is no mail received on Sunday. I have been getting these calls on a daily basis at all hours of the day and night, but it seems to me that since I told them originally last week that I never got a bill, they should have mailed me a bill at that time instead of harassing me with daily phone calls when their records show the bill was just mailed two days ago and no mail is received on a Sunday.

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 03/23/2016 about Debt collection (Payday loan) with Central Portfolio Control Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: this company keeps on calling my sister and harasses her that they are going to arrest me if she does not give them the message. they told her they are a debt collector however they should not have disclosed who they are. she keeps telling them to stop calling. they call her every week at the number noted. she is really angry and would like the calls to stop. I also would like them calling her as my reference.. they are rude and threatening her all the time. this is a 3rd party collection agency and have no idea who they are. please tell them to stop calling my reference and quit harassing her during day while she is working.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have tried on multiple occasions to setup repayment options for my student loans with Navient. They have never once done anything to help me resolve this debt. When I attempted to make payments in the past my payments were rejected, but once I submitted a higher payment they were accepted. I 'm a single mother on a fixed income, Navient has failed to help me this destroying my credit. They have failed to consolidate my loans, defer any of my loans or do anything to resolve the issue other then send collection letters in the mail for extreme amounts of money I can not afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On  XXXX   XXXX ,   XXXX   I received a notice f rom Synchrony Financial say ing  a TJ Max credit ca rd had been issued in my name. On  XXXX   XXXX , I called  Synchrony Financial and to ld  them TJ Max ha d used my information without my authority to issue this card. I was told by  Synchrony Financial they  could do nothing because they did not issue credit ( which seems odd for a credit comp any ) and since my infor mation was accurate, even if I did not authorize the credit, nothing could be done. I was told I must contact  TJ Max, w hich I did that day. I asked for written documentation of what had occurred, which was promised but they have failed to provide. On  XXXX   XXXX ,  TJ Max since t hey do not issue credit, I needed to  talk to Synchrony Financial, s ince they issued the credit. Since that time they have failed to respond to my inquiries on this matter.

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 07/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX/XXXX/2017 I checked my credit card account online and saw an unusual charge of {$1200.00} had posted that day from a store I had never heard of. I called Citicards to inform them of a fraudulent charge. The agent said it was ok to keep the card open and I wo n't be responsible for this amount.
The next day I got an automated call from Citicards fraud system asking about a suspicious charge of {$1800.00} at another store. I responded that it was fraud and the card was terminated. An agent called and issued me a new card.
Four days later I checked my account and saw that the first charge from XX/XX/XXXXfor {$1200.00} was added to my credit card balance. I chatted with citicards online and the agent said nothing was done with this amount as far as disputes or flags go. He put in the dispute wrong as " goods or services not as expected ''. I called Citi on the phone and after several transfers got connected to a higher-up who said the whole thing is now a mess and should not have happened this way. The card should have been shut off the first time I called the charges reversed. He was going to do some paperwork on it and it will be a while until it 's resolved but it will be fixed.
Two days later I get a dispute letter from Citicards in my email needing a signature. I dispute letter says : Reason for dispute- Goods or Services not as Expeted. I respond to the email stating that I wo n't sign the document because it is wrong. The goods or services were never even purchased by me, it was fraud.
A few days pass and I get another email from Citicards with a new dispute letter that has a blank line for reason for dispute. I fill it in with " fraudulent charges '' and sign it, mail it, and hope for the best.
Today, a month later I get an email from Citicards saying the dispute was in favor of the merchant and I will be responsible for paying the {$1200.00}. I call Citicards a few different times throughout the night and get all different explanations on how their dispute system works and how they do their investigations and get completely different answers for each person I talk to. The guy in disputes says that fraud charges do n't get disputed, they get flagged. The guy in fraud says fraud charges get disputed.
Not once during their " investigation '' did they contact me for anything other than a signature.

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 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Sometime around XXXX I logged in to my citibank credit card accounts to find that they had all be closed by the issuer. I am not sure why citibank decided to close my accounts as my payment history was excellent. I understand they have the right to close my accounts at their own discretion ; however, I had just been charged an annual fee of {$95.00} on my citi XXXX XXXX XXXX access more credit card on XXXX XXXX. Citibank charged me in advance for the annual fee, only to cancel it just a few weeks after taking my money. 

I reached out to citi about this issue, and they confirmed that I absolutely would receive the {$95.00} credit as a refund on my final statement. Unfortunately, I never got another statement from citibank. I reached out to them again today, and now they are saying that I will not be getting the {$95.00} annual fee refunded. 

I saved the online chat with a citibank representative where they assured me numerous times that the annual fee I had just paid would in fact be refunded. I have attached it to this in the complaint.

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 06-09-2015 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (KY).
Issue: Application, originator, mortgage broker

Complaint: I filed a application with the former manager at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Communities for a simple mobile home loan. My daughter and I receive monthly Social Security XXXX Income for multiple XXXX conditions we have. I put a down payment for {$4200.00} dollars for the mobile home and was approved on XXXX XXXX, 2014. The former manager XXXX XXXX, put my daughter and I in a rental home and said it would take a couple weeks to get our home ready. She told me that she did it for people who were approved for a home loan. I decided to move everything in a storage unit so I did n't have to move everything XXXX. Two weeks later I found out that she was no longer working here. In XX/XX/XXXX I met the new manager XXXX XXXX and found out that my money was stolen that the police were able to get back. She also stole from other residents and the company. The company knew she was a XXXX when they hired her. XXXX the second manager tried to help get me and my daughter in our home but quit XX/XX/XXXX. The gas appliances were changed out to electric without asking my permission to do so along with other issues that has happened. There is a XXXX manager here now and things have gotten worse. My daughter and I are still living in the rental home that we were put in almost a year ago. Now they are trying to evict us. I went to court this morning with the attorney that is representing current and former residents that have filed a lawsuit against XXXX, XXXX for same issues. There attorney for XXXX, XXXX called my lawyer last night and dropped the eviction against me. I want my money back and start living a normal life again and forget this bad nightmare that I have been through the past year. Theses crooks use their money to destroy other peoples lifes and need to be stopped and put out of business. I do n't know where I go from here but I refuse to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have called and reported incorrect names and addresses on my credit reports. After speaking with the representative, I was told they were removed and a updated credit report would be sent. However, as of today, it has not been removed. The alias that is being reported is not my legal name that appears on my drivers license. Also, the  XXXX  addresses is not occupied by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Mortgage (FHA mortgage) with Security National Mortgage (TX).
Issue: Application, originator, mortgage broker

Complaint: Applied for Home loan in the early part of XXXX, got pre-approved. Was told to find a house and submit a contract, we were good to go. Found a home and securing contract on XXXX XXXX, so by this time they had all our paperwork for at least six weeks. Had 21 day contingency on Financing, asked the lender on day XXXX if we have loan for sure, We were told yes we were fine, not to back out-it was closing, otherwise we would back out. So then went through and had inspection {$450.00} then {$1000.00} earnest, then appraisal {$520.00}, {$100.00} option money. Then the week of closing she tells us we needed an extension because an FHA form ( which is usually signed by XXXX parties at title ) was not signed by XXXX parties and the end of the month held us up. We had to postponed closing for 1 more week. Then 2 days before the second closing date she still needed a document from the IRS. She told us to repeatedly call the IRS until we found someone who would fax this document which usually has to be ordered, with a XXXX21 day turn around per the IRS. Three days before closing we were denied and out {$2000.00} and hopefully no breach of contract from seller, as of now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I rented a car at XXXX, XXXX airport location using a chase credit card. 

We rented a car through XXXX ( Confirmation # omitted ) and returned it in same condition - We were charged three times from XXXX. 

Originally, we paid {$1700.00} for rental car and flight through on XX/XX/XXXX. Then, we were charged ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ) without our authorization. 

After unsuccessful international calls, we emailed XXXX on XX/XX/XXXX regarding these two charges ; however, we have received no notification from XXXX about these two charges ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). 

I tried really hard to contact them for one month! And finally, I got an email from XXXX in XXXX : " XXXX, XXXX '' Subject : claim : XXXX Date : XXXX XXXX, 2017 at XXXX XXXX EDT > Cc : " Toe, XXXX '' > Dear customer, > Following our investigation, we will refund your excess. 
> Please find attached the refund letter. 
> Please accept our apologies for the inconvenience. 
> Best regards, I will attach the refund letter that I received from XXXX. 

But, Chase investigated since I filed for disputes for the two payments of {$670.00} and {$350.00}. Chase claimed they could not get a hold of enterprise and THEY CAN NOT BY THEIR POLICY STAY ON HOLD FOR A CALL FOR MORE THAN 15 MIN - so they decided to close my case. I think this is really absurd. They are not helping their customers at all. 

I have a refund letter from the person XXXX, XXXX from XXXX, XXXX, who is NOT returning any of my emails about when I am going to receive a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017 Afni responded to my complaint with the bbb saying they would delete their account from my credit reports. They deleted theit account from my XXXX credit report but have NOT on my XXXX report and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint mortgage is not paying my real estate taxes. If they are not going to do it, they should cancel my escrow account and I will do it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I would like to pay on my loan. However, the income base payments that they have asked are excessive! They base y income on a number that is prior to taxes and living expenses. I 'm not rejecting paying the loan. I 'm simply asking that they work with me in terms of the payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear CFPB, for the past year I have corresponded with this agency called EOS CCA who continues to harrass me through the mail to settle a debt that I do not owe. I demanded they validate the account in collections, and provide proof of a contract expressed or implied entered in mutually with clear signatures between myself and the alleged original creditor XXXX. To date they have not met my demand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with N.A.R., Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I RECEIVED A LETTER FROM A COLLECTION AGENCY NAMED N.A.R.INC. FOR AN OUTSTANDING DEBT TO XXXX. I DID USE XXXX ON XXXX/XXXX/2012 WHICH I PAID IN FULL AT TIME OF SERVICE. I HAVE RECEIVED NO BILL OR PHONE JUST XXXX DAY I GOT A BILL SAYING I OWE XXXX DOLLARS TO N.A.R. SINCE THEN MY CREDIT SCORE HAS DROPPED FROM A XXXX TO A XXXX FOR A DEBT I DO NOT OWE. I GET NO RESPONSE FROM XXXX. THIS IS RIDICULOUS A COMPANY CAN RUIN MY CREDIT FOR A DEBT WHICH IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing

Complaint: American Express offers promotions where if you make the necessary purchase they will credit your charge account with a stated sum. I routinely avail myself of these offers. In this instance I spent the required {$200.00} at XXXX and did not get the promised {$50.00} for using my Amex Serve card. .I did the same offer on my other Amex cards and got my credits within a few days. Their representatives assured me that i would get the {$50.00} credit ( all info herein is documented ) - that I needed to wait 90 days.After waiting the 90 days I resumed calling Amex to get them to fulfill their promise. Instead I ended up with their last response totally off target and making me want to pull my hair out! I have printed evidence that I enrolled my card during the proper period, spent the requisite amount during the correct dates, and an acknowledgment from Amex that confirmed all of the above. Over 120 days have passes and yet I am forced to file a complaint to get the {$50.00}. Very sad!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXX National Credit Systems , Inc . 
I asked The supervisor XXXX XXXX to give XXXX authorization to remove a Paid debt from my credit. 
Amount {$670.00} paid XX/XX/XXXX. 
XXXX XXXX said no that she would not talk to anyone from the XX/XX/XXXX or any Credit Bureau, when I asked her why XXXX XXXX said it was against company policy and it was not worth losing her job. I asked to speak with her boss and she said NO. 
I asked her again for her to give me her supervisors name and was told no. I asked her who owned the company and a direct phone number and she lied to me and gave me a false Name and Email and no number. 

This is not acceptable business practice by any means..

Company response to consumer: Closed with explanation