milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: OnXX/XX/XXXX I made a payment through XXXX XXXX for the amount of {$2600.00} to my TJX Rewards Credit Card. InXX/XX/XXXXmy TJX Credit Card was declined when I was trying to make a purchase. I called TJX Rewards Credit Card customer service onXX/XX/XXXXto inquire about that. When I spoke with a representative I was informed that payment was not received and ; therefore I made another payment of {$2800.00} that was the balance at that moment. That day I did not check my bank account because I was traveling. On XX/XX/XXXX when I returned, I called XXXX XXXX and I was informed that in fact payment ( {$2600.00} ) was sent and received by TJX. SinceXX/XX/XXXX I have sent proof of payment and also contacted TJX more than 15 times. I have spoken with supervisors who stated that payment was received and I will get a refund check. In XX/XX/XXXX I spoke with one of the supervisors who stated I will get credit within 2 weeks and when I called inXX/XX/XXXX another supervisor stated that a request to investigate claim has to be filed because he could not see any response to the claim. Up to today I have no received credit. Every time I have called, I have to speak with a different supervisor and all they say is that they have to make the report and I have to wait another 30 days for a response. It has been 5 months since I started this claim and I feel every month they just made an excuse and I have to wait another 30 days. Attached you will find copy of proof of tranfer from XXXX XXXX to TJX.

TJX Customer Service XXXX Fax XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (MA).
Issue: Application, originator, mortgage broker

Complaint: Applied for a loan 5 months ago, home purchase with a construction loan to make improvements. NOT an fha loan. Underwriter demanded a HUD inspection ( {$750.00} ) then refused to accept his findings and demanded an Engineer Inspection ( {$700.00} ). Underwriter has delayed beyond reasonable time standards, even refusing appraisal and sending it back three time. Last time for a non-essential typo. Now four days before closing the closing costs are {$3400.00} higher than original estimate. All due to the excessive delay by underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (Medical) with Bull City Financial Solutions, Inc (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bull City Financial falsely reported XXXX medical collections under my name with all XXXX major credit reporting agencies. I am neither the patient nor the guarantor on either account, which has been verified by Bull City and the original creditor. I have filed disputes with the credit reporting agencies, but Bull City is ignoring the disputes. Despite repeated requests, Bull City has refused to delete this reporting from all XXXX agencies. They are knowingly and illegally causing a malicious and adverse effect on my credit score.

Company response to consumer: Closed
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Settlement process and costs

Complaint: My mortgage lender did n't include any PMI on any of my good faith estimates or HUD documents until he showed up at closing. We had just sold our house that morning and wired the money to buy our new place. When I was handed the contract while we sat across the table from the seller was the first moment I noticed the payments were so much higher. I asked about why it was higher and was told that the payments went up because the home insurance and taxes had been underestimated. I still did n't see it adding up but felt forced to sign because at that point, we had no where to move back to, our old home had sold already. It was n't until I had time to compare all our old estimates did I see that PMI was never included in the good faith, HUD, or even final documents emailed the day of signing. The first time the PMI was added was at closing. I did not know it would be required to get the loan and was relying on the lender to disclose everything to me so I would know what I was getting into. Now my payments are almost % XXXX higher than any of my quotes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-07-2016 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has remained on my credit report for months after it was paid off. The collection agency responsible for removing this from my credit report has even written a letter stating they would take the debt off my report but as of yet they have not. I want this debt removed. I long ago paid exactly what these people asked for and they are still not removing the debt. I am tired of my credit suffering because of their inability to conduct business in a timely manner. The collection agency is Pro Collect in 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 08-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I went to Navient 's website and click through the repayment options, their website came back with a estimated payment of roughly {$400.00}, which is doable for me right now. Their website then directed me to the studentloans.gov page to complete the paperwork. When that came back a couple of days later the payment was close to {$700.00}. I called Navient to say that 's not what I agreed too and that 's not what I want. They refused to do anything unless I gave them {$500.00}, I felt like I was being shaken down by the mafia. They have a option I can afford, but are strong-arming {$500.00} out of me to get to the payment their website said it would be.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Medical debt) with Receivables Management Corporation (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Sent letters to credit bureaus ( XXXX and XXXX ) on XX/XX/XXXX and collection company on XX/XX/XXXX. No satisfactory response actually validating the accounts. Only received statements from Credit Bureaus saying account was verified by collection company. As of today no response from the collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I 've contacted this collection agency numerous times requesting validation of a debt and they 've refused to abide by the Fair Credit Act and send me legal proof of the supposed debt. I have n't received an original contract signed by me and original creditor nor have I received an agreement between me and collector showing that I am financially obligated to them

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Medical) with Asset Maximization Group, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did n't know this account existed. I always carried and provided medical insurance/ XXXX to the hospital. Hospitals never called, either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problems caused by my funds being low

Complaint: I have a Chase Premier Plus Military checking account that has occurred unwarranted overdraft fees. I maintain that I am not responsible for these fees because ; 1. I had opted out of Chase 's overdraft protection service prior to the overdraft occurrences, and, 2. Chase had suspended my ability to log on to my online account and/or complete an account balance inquiry over the telephone. I have contacted Chase Bank several times to request that the fees be credited back to my account. Each of my requests has been denied, therefore I turn to the CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Someone took out credit cards in my name with out my consent. I have not authorized anyone to use my name or ss #

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 04/28/2015 about Debt collection (I do not know) with URS Holding, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continuous phone calls every day. Please stop the harassment. May contact me by mail only

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Consumer Loan (Vehicle lease) with JPMORGAN CHASE & CO. (VA).
Issue: Managing the loan or lease

Complaint: Executive Summary : Leased Vehicle - Property tax charged through date vehicle was sold at auction, not through lease termination date Background : Near the end of our vehicle lease, we received multiple offers from the manufacturer for early lease termination. The literature generally described that all early termination fees would be waived. We turned in our vehicle one month early ( XX/XX/2016 ) - our lease was up XX/XX/2016. After the vehicle was sold at auction in XX/XX/2016, we received a final settlement letter and a refund. 

Issue : In XX/XX/2016, we received a notice for {$870.00} for property tax related to the vehicle. Our lease agreement ( section 15 ) does indicate that we will pay property tax assessed for any period PRIOR to lease termination. I called Chase to verify the date the taxes were prorated. The agent indicated it is their policy to prorate the taxes through the date the auto is sold at auction. In this case, there is nearly a two month difference between the date our lease terminated and the date the vehicle was sold at auction. As a lessee, we had no control over the date the vehicle was sold, which theoretically, could have been many months after lease termination. I asked to speak to a supervisor who said she would research the issue and get back to me. She did leave a return message, but there was no way to contact her specifically to follow up, as she did not leave a specific extension or last name. Despite four calls to Chase referencing my case number, I have not received resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PDQ Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with PDQ seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and PDQ to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against PDQ, XXXX, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with PDQ. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and PDQ on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to PDQ, XXXX XXXX & XXXX to review this case and I asked for any documents from each credit bureaus along with PDQ and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with CARDINAL FINANCIAL COMPANY (CA).
Issue: Trouble during payment process

Complaint: It appears Cardinal Financial Company is overcharging me on the escrow portion of my monthly payment. I have contacted the company several times, and they have not been able to provide a satisfactory explanation for the additional charges.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I submitted letters to remove negative items from my credit report that are fraudulently reporting because no contracts have ever been signed by me for any of these accounts and these accounts do not belong to me nor did i make any agreements as such. I sent these letters to all 3 bureaus requesting they be removed and i have not received anything from them in months telling me what is going on.

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 08-10-2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Closing/Cancelling account

Complaint: Chase Bank sent us a letter dated XXXX/XXXX/2015 advising .. '' because we 're no longer ofering credit card accounts to businesses in your industry '' they decided to close our credit card account on XXXX/XXXX/2015. We are not certain why Chase Bank would discriminate against small XXXX business with excellent credit, pays bills on time and in full, we have been in business for 16 years and have a FICO rating over XXXX. All balances are paid off by us each month and on time. They should not be permitted to discriminate against us when we have not done anything wrong. Can you assist in enforcement action?

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with WINN LAW GROUP, APC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: My account with XXXX XXXX was closed, Winn Law office bought a close case, and started a court case by a wage Garnishment against me, I did not get a court order just payer to pay on a closed case. they are taking 25 % of my earning I have a child in college her 3rd year, now I cant help pay her school Tuition please advise. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The debt collector called me saying that I was going to be served either at work or at home for a debt that was closed on in   XXXX  . He had my social security number and my address. He had correct information on the old debt and said that I could pay it or have a judgement filed against me. He offered me a deal where I would only have to pay 30 % of the debt if I agreed to pay it over a 6 month period. He also said If I paid right then he would reduce the debt from {$4100.00} down to {$750.00}. I gave him my devit card information and he processed half of the  XXXX  right then and said he was going to process the other half on  XXXX   XXXX . I believe this was a scam and need to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I an out of town I 'm a   XXXX   no ATM deposit in  XXXX  current in  XXXX  same thing heading To  XXXX  and I had my daughter deposit trying to avoid bank fees now  Wells Fargo g ave me  XXXX  {$35.00} fees and they are telling me the bank will not allow them to credit my account I 'm a loyal customer too

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 12/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a XXXX credit card that I was unable to make payments on, and it was charged off back in 2008. In XXXX of this year, I started receiving phone calls from XXXX XXXX, a debt purchaser. I contacted a lawyer, who informed me that the statute of limitations had expired and that I could no longer be sued or pursued for the outstanding balance. The phone calls continued, and they became more and more threatening ; and calls were also made to some of my family members. I again contacted the lawyer, and he decided to take my case and initiate an FDCPA suit against this company. During his research, however, he found that there had been numerous judgements against XXXX XXXX, but that they had never made restitution to the plaintiffs. And though he felt that he could win the case, he doubted that he could make any money off of the case and therefore decided not to pursue it any further. Around this time, XXXX XXXX reported a collection activity to TransUnion ; and my credit score was immediately affected. I disputed the item with TransUnion, but all they did was ask XXXX XXXX if it was valid and uphold the charge. I contacted the XXXX XXXX XXXX, but XXXX XXXX failed to respond to the query, so it was closed. ( I did receive a mocking voicemail from XXXX XXXX in response to the XXXX query, however. ) I am now filing a complaint with the CFPB in the hopes that you will recognize that this charge is outdated and that adding it to my credit report is nothing short of criminal. Transunion needs to be held accountable and pay closer attention to who they are accepting credit information from. Please look into and advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Application, originator, mortgage broker

Complaint: Continuation of Case number : XXXX - I tried to respond in my case, but there was no place to do so, first this has absolutely nothing to do with a foreclosure, my credit score is a XXXX, I have never missed a payment and am looking at purchasing a new house and as I stated only clicked on the link in the email to see the current rates. So please do not send me links about if I am in foreclosure or in debt, I am in neither! I received a letter yesterday from CHASE - the people who have been calling and the link I clicked on stating that they received a request from my on XXXX XXXX, 2017 and expect to have an answer or status update for my by XXXX XXXX. I did not make any request or submit any information, I closed out of the link before submitting anything to them, I certainly did not give them my SS # or request that they process a loan application for me. Their Mortgage Banking Executive Office # is XXXX ; I want this reported and handled ; this is a complete misuse of their power and I have been completely violated, they have no authorization to run anything of mine, let alone call me 14 times a day. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information cra and hippa violation must remove them not 100 % correct

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (GA).
Issue: Taking out the loan or lease

Complaint: My XXXX credit report shows an unauthorized credit inquiry from BB & T Financial Services on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted each lender requesting removal, but my request was refused.

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 09/16/2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Wells Fargo account I have never owned. I wrote to them to request all records but they have returned nothing to me. 
12 years ago I had an account with Wells Fargo but that was closed. Nothing owed. 
Could this be another fake Wells Fargo account - at a different level? The debt collection company name is : XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, IL XXXX and they are claiming to collect Wells Fargo Bank account number XXXX. XXXX file # XXXX {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation