WillisBack/dataset-financial-user-claim huggingface dataset:
ConsumerFinance.gov complaint against : Synchrony Bank ( Formerly GE Capital Retail Bank ) located at XXXX XXXX XXXX, XXXX, Ohio, XXXX, for LOWES BUSINESS ACCT/SYNCB, Payable at XXXX, GA XXXX, and Corporate headquarters located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

XXXX My complaint is in regards to Synchrony Bank ( Formerly GE Capital Retail Bank ), for LOWES BUSINESS ACCT/SYNCB, is as follows ; The paperless solutions for this business line of credit are grossly inadequate, and the payment scheduling options are so antiquated that no advance payments of any kind can be arranged with this company, a practice that disallows any payment scheduling beyond 29 days in advance. I could not see my statements until recently ( when they finally began allowing customers to see an online statement. ) Additionally, I never received vital communication about changes to my account and to the terms of my credit agreement. 
I have been charged XXXX in late fees. I have had several phone conversations with them over the last 10 months and I have sent emails, even before today. 
My first email to them today at XXXX ( they only allow XXXX characters per email so there are four ) stated that I want synchrony bank to do at least ONE of the following three suggestions : 1 Integrate with MINT.com. 
2 Set up payments online as recurring payments. 
3 Set up payments online in advance ( further than 30 days ). 
I then asked them to remove all late charges from my account and credit the money toward my back due payment and credit the remainder toward any upcoming payments. 
My second email to them today at XXXX stated : Credit XXXX to my account. Use XXXX as a payment for last month, and XXXX as a partial payment toward this month. See other email I sent to your company today for further explanation, there was a XXXX late fee charged on XXXX, XXXX, XXXX, XXXX. Thank you. 
My third email at XXXX stated : I am also filing a complaint with https : XXXX asking you to answer for your unscrupulous business practices ... even if it 's legal ( which I 'm not sure of either ) it is clearly a set of business practice calculated to create additional charges to your consumers. 
The fourth email I sent them today stated : I wish to terminate my credit line and I want 6 months to pay it off from the date the account closes.
On XXXX/XXXX/XXXX I submitted an initial dispute to Experian requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00} XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. 
I have sent repeatably letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. Experian keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.
I have notified this company numerous times in regards to this debt through fax and mail, and I have yet to receive a response in regards to the validation of this debt.
cra inaccurate information, took more than 30 days no response or call XXXX XXXX, XXXX, XXXX and 1 account with Experian sent ftc, cra violation and po report
XX/XX/2013 my husband XXXX. A few months after his XXXX, I had an issue with my mortgage company because they started returning my checks to me that I sent in to make my mortgage payments. When I tried contacting the bank to find out what was wrong, they refused to speak to me because they said the mortgage was only in my husbands name. This was incorrect. When we refinanced, both myself and my husband were on the Deed and Mortgage, however, my husband was the only one on the Note. I had to go to surrogate court to get paperwork showing I was the testator of his estate and sent this along with his XXXX  certificate and a letter to Nationstar Mortgage ( n/k/a Mr. Cooper ). I had to resubmit this paperwork several times before someone at Nationstar finally spoke to me and let me know the problem was that my escrow account was short because the Town of XXXX had taken us off the star tax savings. I went to the Town and straightened out that problem, caught up with my payments and thought everything was okay. A few months later, Nationstar started returning my payments again and not speaking to me and forced me into foreclosure. I went to an attorney who tried to fix this problem. We went to court several times. I signed three different sets of modification loan closing settlement papers. During this process I was offered a loan modification which I agreed to ( even though they stated I owed about 20,000.00 MORE than what I actually owed at the time this all started ). I followed through with my obligations and made the payments on time. They would not accept the first closing package I signed because I crossed MY XXXX  HUSBAND 'S NAME OFF. How can a XXXX man sign? Then they started the same process over sending my payments back and forcing me in foreclosure. This is the situation I am in now FOR THE THIRD TIME! My attorney has given up and suggested I contact you. He can not get anywhere with this bank or their attorney. I NEED HELP AS SOON AS POSSIBLE! I have XXXX children and I am afraid of becoming homeless. I do not work because I am XXXX and we live on the XXXX benefits we receive from social security which barely covers the mortgage payment. I am desperate and need someone who can get this bank to do the right thing!!! I tried speaking with a mortgage counselor at XXXX here in XXXX and the same process as with my attorney happened there and they also gave up. Everyone just gives up. I don't know what to do!!!!
Re : Your email dated XXXX/XXXX/XXXX on the Case number : XXXX Dear Sir or Madam : The response provided to you by Bank of America regarding my complaint is completely untrue and, in contrast, proves my claim that the BOA has utterly failed to provide notice in a timely manner before they improperly charged me {$100.00} or more in fees because : 1. one and only notice that the BOA provided to me was too late in that I received it in the mail on XXXX/XXXX/XXXX ; and 2. When I protested such unfair fee charges in person at the XXXX XXXX branch around XXXX XXXX on XXXX/XXXX/XXXX, the guy at the branch told me that I should have acted a lot earlier, which the BOA had made totally impossible for me. 
Again, I request that the BOA refund me any and all charges and be sanctioned properly to protect consumers like me from the same misconduct in future. 

XXXX XXXX
I paid off my mortgage loan with Ocwen Loan Servicing , LLC on XXXX XXXX, XXXX ; however, I have not yet received the lien release document. 

I first contacted Ocwen regarding the lien release document in XXXX XXXX. I was told it could take up to 6 months, depending on the county and state of record. I waited and made several calls during XXXX, receiving the same standard " it takes time. '' On XXXX XXXX, XXXX, I insisted that my call be escalated to a supervisor. I was told that according to notes on my account that my file had been forwarded to the legal department on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I was notified by XXXX ( XXXX ) that my case had been turned over to the Lien Release Department. Someone in Lien Release needed to work with XXXX XXXX, the company from which Ocwen purchased my mortgage loan. 
On XXXX XXXX, XXXX, I contacted Lien Release, requesting an update. 
On XXXX XXXX, XXXX, I was told that my file had been transferred to legal and it might be several months before the issue was resolved. 

I reminded the lien release rep that my file had already supposedly been forwarded to legal and that I had paid my loan off 21 months prior. I was not given any contact information for the legal department. 
As of XXXX XXXX, XXXX, I have received no update from legal or anyone else at Ocwen.
This is with no surprise, the so called BIG people they do whatever they want PAY-PAL, yes I saw the thousands of complaints online, but something has to be done here. whatever the reason and no reason, they are just holding consumers money in the millions, all year round for 6 months, for them it's free money, and for the IRS it's not an income. with out any regard to the financial burden, and suffering people are going through, and the financial credit ratings people suffer., because they cant get their money to pay bills. Please take a look what I finally faxed them, and they have not replied. I urge you to go online to the XXXX & to XXXX and see and read for yourself what is going on with this company.My account has had zero credit card chargebacks at any time and I have zero open disputes and claims. There is no justification for holding my money. 
there are NONE complaint, zero, and NO charge back, and I never had one not even  with XXXX or XXXX. they should release my money, holding it since XX/XX/2017. The only thing people get is spending hours on hold and get the run around, but not their money. If I travel out of my State and charge my CC, they will contact me right away, the same here with PAY-PAL, they don't want to deal with large charges, than deny the transaction, but don't accept and hold on to their money. 
This needs to stop.
I initiated a credit investigation with Equifax and XXXX XXXX back in XX/XX/XXXX. We're now into XX/XX/XXXX, and I have yet to receive the results. I was supposed to have them inside of 30 days.
I signed up for the Delta Skymiles rewards card through American Express. They advertised XXXX bonus points for spending {$2000.00} in the first three months, plus an additional XXXX bonus points for spending an additional {$1000.00} in the first 6 months. I met these requirements within the first month of opening the account. The points were never deposited into my Delta Skymiles account. 

I opened my first chat message through their Amex app on XX/XX/XXXX asking about the bonus miles. I was told on XXXX that it would be credited to my account 6 - 8 weeks after meeting the requirements. 
Then on XX/XX/XXXX I messaged support again to get a status on my promised rewards. I was told they were going to open an inquiry for me and that I should check back after 2 to 3 weeks for the status. 
On XX/XX/XXXX I messaged again for an update. I was then told I need to wait 6 to 8 weeks for the investigation to complete and have the points deposited into my account. At that point I asked to be escalated to a supervisor who could see that I certainly did meet the requirements for the card. But was also told that sue to the immense response to the offer, there has been a delay awarding the rewards points and they need to research all submissions. I told them their shady business practice was unacceptable and I needed a date to expect the rewards. I was not given one as they can not fix it on her level. 
I followed up several times in XXXX through chat and was told the MAXIMUM time frame for the investigation is 2 billing cycles and I only escalated my case towards the end of XXXX. 
Today I called them and spoke to a supervisor who told me they are having an issue with a " handful of accounts '' ( I have seen that this is the term Amex uses a lot with other people that have raised concerns like this_, and they do not have a date they can tell me when I can expect a resolution. 
I am at almost 9 months with this card and no resolution or even a feeling that this will be resolved. This is an unfair business practice and this company needs to be exposed for what it is doing to consumers.
XX/XX/XXXX, I sent a request to validate a debt to ERC collections via certified mail. The letter was collected by XXXX XXXX of ERC collections XXXX and the refused to provide me with the information I requested to validate the debt. 

ERC mailed a letter stating that they were only able to provide me a copy of a fake bill form XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During this time period I did not own any service from XXXX XXXX XXXX as my current service is through XXXX. 

Since ERC is unable to validate the original contract or source of this debt, I am requesting that this item is removed from my credit report and updated to all XXXX major credit bureaus.
In XX/XX/XXXX I pulled copies of all 3 credit reports from the credit bureaus. I noticed I C Systems Collections listed as a collection account. In XX/XX/XXXX I disputed with all 3 bureaus and it came back as verified. On XX/XX/XXXX I sent a certified letter demanding validation of alleged account. ( Certified mail receipt enclosed ) Prior to this I never received a dunning notice. I was never notified within 30 days of placing negative information into my credit file.
There is a fraudulent account on my credit report. I have disputed the account and the subsequent collection account directly with the creditor several times to no avail. I have requested any and all proof of who opened the account and have only been provided with billing statements. I was told by the collection agency to file a fraud report with the FTC however I have a child in college and I am in the process of buying a home. Placing a fraud alert on my credit alert will cause major inconveniences when applying for student or home loans. This is the only fraudulent account that has ever appeared on my credit report and I do not believe that I should be inconvenienced any further due to this company 's failure to properly identify applicants. I finally decided to dispute with all 3 credit bureaus. After investigating XXXX   deleted the collection account. XXXX closed the collection account. Equifax verified the original account and the collection account.
the creditor is reporting the account delinquent since 2009 which would have already get the account deleted however experian keeps it on the record by deleting the original delinquency dates.
As of XXXX2017, I learned Equifax has mishandled and was blatantly negligent with my personal information, up to and including my Social Security Number, address, phone number, name, and any other information pertaining to my credit and identity security. I learned through their website that, due to their negligence, my information has been compromised. As it is completely unacceptable, I wanted to forward this official complaint in hopes that the situation will be rectified and they will receive the full penalty of the law.
In my consumer credit report, a note of XXXX XXXX of Bankruptcy # XXXX which does not belong to my credit reports is reported. Like variations of names, addresses that do not belong to me such as XXXX XXXX XXXX XXXX XXXX, P.R XXXX and jobs that do not belong to me, such as XXXX XXXX and XXXX XXXX XXXX. 

Realize an investigation in the portal of the judicial branch of Puerto Rico to verify the information of the incorrect record and this case number is not reported under my name. This situation is making it impossible to use my credit for future purchases.
Debt Collector is a third party asset buyer. They are not the real party in interest to this debt. I did not receive and benefit from this debt collector involving this debt. I do not a contract with this debt collector to collect this debt. I do not have a duty to pay this debt collector for this debt.
XX/XX/2018 I did a loan search online and this company was suggested. The interest rate was not clear to me and I ended up paying XXXX on a XXXX loan. No documents were sent to me.
I can not get a tax form of mortgage interest paid out of Wells Fargo. Once you pay off a mortgage, your account number no longer works in their phone system. So you wait on hold to speak with a representative. Their phone hold " tune '' is designed to kill your will to live. I was told I have to wait 30 minutes. 

Update : I have now gotten to speak with a customer service rep. Once you payoff the mortgage, Wells Fargo will not grant you an electronic rights. So there is no way now to get statements other than to phone them and deal with the mortgage bureaucracy. Since my payoff occurred in XXXX of 2015, I will need their help getting mortgage interest payments made through early next year. 

The behavior of Wells Fargo is not up to the standards of the industry. I had another mortgage with XXXX XXXX and that firm allows me 7 x 24 to log in after the loan is closed to log in and download the critical information needed to deal with state, local and federal taxes. 

Wells Fargo -- having pocketed the interest -- should have more regard for the tax compliance burdens of customers.
I have continuously contacted the debt collector who refuses to honor my dispute of identity theft. I have provided all the information needed to support this including the police report and what happened when my car was broken into and all of my items were stolen.
We were applying for a home loan, had something on credit report that was n't ours, now that got taking care of, but in the process of dealing with all  XXXX  credit bureaus  XXXX ,  XXXX , Transunion we found out they all out sourced  ALL AMERICANS CREDIT INFO , to what we believe was  XXXX . I tried to get them to tell me what country I was calling and they refused to say! They also would not give me their name or even an employ number and when they found out we had them on record or speaker phone they refused to talk to us, now keep in mind that is the first thing you hear when calling them, " this phone call will be recorded for training purposes '' We want all credit info to stay in the United States of American. It ridiculous that Americans complete personal info is being shipped to a foreign country, for, who know who, to see and use and they are getting every bit of our personal info, Social Security numbers, phone numbers, name, addresses, jobs, jobs phone numbers, dependents and credit card numbers .We want to know why is something as important and personal as credit report is being treating in this way!
I was attempting to set up an online account so that I could make an extra payment before the end of the billing cycle and was prevented from doing so because of a security word. I called and Citi kept attempting to ask about the same security word set up decades before. We have had the account since 1985. I have no idea what the security word was, nor should it matter. There are alternate ways of understanding that I am the account owner. So now, I ca n't avoid about {$100.00} in finance charges. Thank you Citi!
Despite my three written request, the unproven noncompliant account listed as XXXX XXXX XXXX still remains on my credit report with Experian in violation of the Federal Law.  This account has been deleted by XXXX and XXXX. In the result of your re-investigations, you stated in writing that you " verified '' that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? Due to their continued willful disregard of the law. I intend to pursue litigation in accordance with the FCRA to seek relief and recover monetary damages that I may be entitled to under Section 616 and Section 617 If the noncompliant, unproven, unverified account is not deleted within 10days. I have filed a complaint with the Attorney generals office. A copy of this complaint and all three certified letters that I have sent your company will be submitted as evidence in the pending litigation provided that you fail to comply with this offer for settlement. The law is very clear as to the civil liability and the rememdy available to me Section 616 and 617 ) if you fail to comply with the Federal Law. please deleted this account Immediately!
IN XXXX my mortgage was 30 days in default since then to date U.S. Bank have refused to help me reinstate my loan. I have been trying everything possible without success. I have successfully completed XXXX different trial of payment and have participated in XXXX modification hearing among tons of application for a workout package, first every three months then of recent it seem like every month and all was denied even though I complied with all their requirements. They File final Judgement without bothering to let me know until the 30 days before the sheriff sale .After 90 day of being in default the mortgage insurance payed off my loan, they collected 10 times the value of my promissory note from the Federal Reserve and millions from securitization and mortgage back Securities also My mortgage was a part of the Government Bailout to the banks .In light of all of these fact XXXX is doing everything to take my house. no matter hard My husband and I tried there seem to be no way and this has caused us great economic hardship, XXXX resulting in other health problems as with extended time our loan is in default it affect our credit which cause us to lose employment opportunities and study opportunities forcing us to use up our financial reserves. They change the MAP representatives frequently.
I have requested debt validation through a consumer federal protection complaint for a dispute and debt validation and Associated Credit Services has not provided these documents from themselves or their client. It has been beyond the 30 days allowed by federal collection laws for them to provide these documents. 

Associated Credit Service continues to call my phone and leave multiple messages. Today ( XX/XX/2018 ) I verbally spoke on a recorded line and requested that they remove my number from their calling list and send any information through the mail. 

They are harassing me by calling my phone everyday- Please take my name and number off you list I do not owe you anything
This debt is not mines. I spoke with the company would not provide proof of this is my debt.
" XXXX XXXX XXXX '' at XXXX has contacted my wife as well as my former roommate regarding a debt matter originating from XXXX XXXX XXXX. One " XXXX XXXX '' given as the caller, automated call. I called back and received a voicemail repeatedly with an unconfigured box. When I finally spoke to a person, " XXXX '' or " XXXX '' she explained that this was a debt from Ace and they were seeking resolution. I confirmed they had my new address and correct phone number, and was informed that the case was being filed in XXXX County, OH ( where I used to live ). She asked several times if I was seeking to resolve the issue, but that they were not debt collectors, merely legal processors for Ace  's claim. I stated that all I was trying to do with this call was to get them to stop calling people who are not me about this matter, and she hung up on me.
Please update XXXX XXXX faster, had tbis problem before because i need there help getting money.
Equifax leaked all my sensitive personal information ( SSN,  name, address, etc ) to the entire world by having XXXX security practices.