milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Synchrony Credit Services : Recently I discovered what I thought was a horrible service being provided by this company. I have made payments of various amounts to my account through my XXXX XXXX Bill Pay but the payments are not being posted to my account and Im being charged late fees. Listed is a schedule of payments to my account : Payment date Amount XX/XX/XXXX{$95.00} XX/XX/XXXX XXXX Late FEE Charged XX/XX/XXXXXXXX Interest charged along with Late FEE XX/XX/XXXX XXXX Interest with Late FEEXX/XX/XXXX XXXX XX/XX/XXXX XXXX  When I phoned customer service, I spoke with someone ( who wouldnt provide their name ) and advised me that I should may payments closer to the due date to avoid late fees. Ive never heard of such a thing. Who penalizes a customer for making a payment? I can not tell you how disappointed I am in that Im being penalized for making timely payments. The representative told me that I was being penalized for early payments. When I asked to have a copy of whatever agreement she was referencing sent to me via email or regular mail she said that she could not send it. She told me to go online and use the agreement that Belk has for everyone. ARE YOU SERIOUS? Nope, she was graveyard calm as she relayed this information.
<P/>
After a long waste of time conversation, I thanked her and noted that when I phoned, I was offered the chance to take a survey and to leave comments after the call. Once she hung up, I would be automatically transferred. Guess what she never hung up the phone. She was insisting instead that someone would call me. That call never came, no one EVER reached out to me via email or otherwise. Considering how the phone call was handled, I cant say that Im surprised. Ill let you in on this one trick ; when you have a customer on the other line and the representative ( not the customer ) doesnt hang up, the call doesnt transfer to leave comments and take the survey ( if offered ). Im guessing no one who suggested the survey after the call service ever tried it out. The representative can mute the phone but as long as they dont hang up, your call will not be transferred to do this survey.
<P/>
I 'm asking for assistance in that I believe the Synchrony Credit Services is : 1. Intentionally penalizing customers and forcing them to make additional payments to cover 'Late Fees ' being erroneously being charged by the company 2. Failure to provide documents showing how the company bills its clients and better explain billing cycles 3. Failure to allow the customer to speak to someone in a higher position 4. Not taking proper messages and passing them on to someone who could engage with the customer and reach a solution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I reviewed my credit report on XXXX XXXX2017 XXXX is retaliating against me because of filed various Federal Retaliation and Discrimination complaints. XXXX credit score is at XXXX? Transunion XXXX and XXXX XXXX. XXXX, Transunion and XXXX suppose to delete all negatives and hard inquiries from my credit report, but they have not done anything.Why? Because of my file various Federal Filed complaints? I am XXXX and Retired and a Military Veteran. Why XXXX and Minorities XXXX and Military Veterans and Military Veterans gets Retaliated and Discriminated by Major credit reporting Agencies?

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 06/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I signed a Parent Plus loan for my son back in XX/XX/XXXX and XX/XX/XXXX. He needed the money for living on campus. His tuition was pretty much paid for through federal loans, and it is a state school so it was a little more affordable. The problem is is that someone went online and signed my name for 5 additional loans! I told Navient ( my server ) that there is no way I would have agreed to those additional loans. Apparently, everything is done online and they just need your initials to approve on it. However, not only would I not have agreed to more loans ( as I 'm a single mother that makes around XXXX a year ), I was dealing with a foreclosure on my home at the time. I could n't even qualify for a loan for my daughter around that time when she applied to college. I did n't think I could qualify for any additional loans. Navient claims that I could have " less then stellar credit to apply '' ( their words ), yet I did n't have credit at that time. Now, I 'm trying to make a fraud charge, yet I ca n't seem to reach that department. I agreed to pay the first two loans as that is something that I agreed to, but I ca n't pay for what would amount to around 100,000 dollars. My question is why did no one call me to see if this was something I would agree to? I think a telephone conversation should have followed up with a loan agreement. Would n't it be considered a red flag if you sign so many loans in a given time? I feel like there are not enough checks and balances and protections for co-signers? I 'm really not sure what to do. I may not get out of paying the additional loans. I really need some advice.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have to dispute the information on my credit report that has been on there for years and to no avail nothing was done about it

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries.
Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was repeatedly misguided by customer service regarding the eligibility status of my payments towards loan forgiveness. Navient/XXXX intentionally made the loan plans complicated and misleading and tricked me into remaining on a repayment plan that was not eligible for loan forgiveness even though that was my stated intent as a XXXX-employed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently applied for a home lease and the realtor pulled my credit report. The realtor claimed I had XXXX judgements of which I had never seen before on my credit report. This her basic quote, " She has XXXX judgements on her record XXXX for {$910.00} in XXXX 2013 and XXXX for {$890.00} XXXX 2013 .... '' This causes concern for a few reasons that are important to my credit history accuracy, and further implications are of serious concern.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Nationwide Recovery Systems, Ltd (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed a debt from XXXX mobile company that is not from my doing. I wish to dispute this debt since it is not from me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Mortgage) with TCF NATIONAL BANK (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS. 
XXXX F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO TRANSUNION AND EQUIFAX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT. 

XXXX T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION. 

S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT XXXX DISCHARGE UNDER XXXX MODIFICATION BY XXXX MORTAGE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: My cable company took money out of my account. I was charged 2 insufficient fees. I put in a dispute, and the customer services reps have told me repeatedly that the provisional credit would be in my account in a matter of days, and the 2 fees would be as well. None of this has happened, and its been 8 days. I spoke with XXXX in XXXX, NY, she was a Complete XXXX to me, and I disconnected the call. I called again yesterday and today, and have gotten nothing but RUDE people NOT WILLING TO HELP ME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I AM NOT DEALING WITH THIS ANYMORE!!! I am a XXXX, have no money right now, and I am a Single Parent, who DOES NOT RECEIVE ANY CHILD SUPPORT!!!!!!! XXXX was the last Supervisor I spoke too. He was mean, and was arguing with me!!! I am not dealing with this. Something better be taken care of soon, or I am reporting this bank to the XXXX, and the XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Using a debit or ATM card

Complaint: Bank of America has been my personal Bank or many years. This is the first time I have experienced Bank of America sending me a new debit card to replace my old one. Due to what ever reason they had. I did not get warned of what may happen to my payments that are automatically deducted from the old debit card number. When they did this I noticed late notices coming in the mail and I had to take the time to go to the bank call all my utility companies and others that are on automatic pay which caused me a lot of a mess & time off work. I am still trying to call some of the companies that this happened to so now I have to pay double payments for there mistake due to the change of my debit card number without my consent. I hope in the future we can have a personal phone call of what there doing. Thank you XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/15 I deposited a check for a very large sum of money, in XXXX funds, into my checking account. The bank clerk told me the funds would be available in a week 's time. Some days later I got a letter from the bank, dated XXXX/XXXX/15, saying a small amount of the funds were available for withdrawal right away, and the remainder would be available for withdrawal XXXX/XXXX/15. Subsequently, I got another letter from Citibank saying that since these were foreign funds, the check had been sent out for collection, and the funds would be credited to my account one or two days after receipt. On XXXX/XXXX/15 I went online. The funds had not been credited. I called Citibank and in the course of XXXX/XXXX/15 and XXXX/XXXX/15 I talked to XXXX bank employees whose names I have. They would look into it. On XXXX/XXXX/15 the XXXX XXXX told me the funds would be available in " six to eight weeks, '' presumably from the date of deposit. This was unacceptable, so I went to my local Citibank in XXXX, where I had deposited the check in the first place, and talked to the branch manager, XXXX XXXX, who indicated he would do the necessary. On XXXX/XXXX/15 he told me the collection department said the funds would be available at some unspecified time, maybe in three weeks. Meanwhile, the exchange rate has continued to fluctuate, not in my favor. When we started out I believe the rate was 77 % and now it is XXXX 75 % -- these numbers might not be exact. It is possible the bank converted the money when the rate was more favorable and wishes to use a less favorable rate when they actually give me the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I checked my credit score through Experian on or about XXXX XXXX, 2015. On their screen was an offer to check my FICO for one dollar. So I did it and gave Experian my credit card number. In their terms and conditions, which I did n't read ( like most people ) they have that old scam of charging my credit card a membership fee after 7 days if I do n't contact them and cancel. So after 7 days, they charged my card {$21.00}. I contacted them by phone on XXXX XXXX, 2015. The employee named XXXX, told me that the 7 day notice is in the term and conditions and I was n't eligible for a refund. XXXX suggested I could dispute it. I had called my bank and to dispute it I would be issued another credit card. That would take from 7 to 10 days. I did n't want to be without a credit card for that long since I pay mostly by credit card during the month, then pay it when it comes due. So Experian lured me in with a one dollar FICO check. I think that 7 day nonsense should be clearly stated on the screen not in terms and conditions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Loan Number : XXXX I am a single mother of XXXX children and I 've been struggling every month to make my monthly mortgage payment of approximately {$1800.00}. I have applied many many times over the years, starting in XXXX for the XXXX mortgage modification program. OCWEN representatives emails me the documents, I complete it and faxed everything back and then months later I receive a letter stating they have n't received a tax form or something else did n't go through. So, I quickly refax it and call the customer service line and they tell me they received it. Then I hear nothing back. I keep calling and calling and they tell me they are reviewing my file, and NOTHING. I 'm sitting in limbo and then I 'm told to maybe default on my payment so I can be approved quicker and I WILL NOT DO THAT! I pride myself in making my payments on time although it is critically impact my livelihood and my children 's. 

It 's fraudulent to consistently be left without a decision, when I am clearly qualified for a modification. I have all the letters from OCWEN since XXXX and not one letter has come my way stating that I am not qualified and the reasons as to why I am not. 

I unfortunately am upside down on my home value and can not refinance anywhere although my credit score is outstanding. 

I 'm stuck between a rock and a hard place, I just feel they are trying to pressure me into giving up so they can take my home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Debt collection (Auto debt) with CL HOLDINGS LLC (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting a call from XXXX XXXX. Today at XXXX XXXX  was the latest. They are spoofing the caller ID to reflect that they are a Cell caller from MA. The number is XXXX. I feel this is a deceptive practice and they should be fined for using this tactic. When they started to go into their Collector speech, I hung up. They want to verify information that I do not want to give them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Customer service / Customer relations

Complaint: Infomed Synchrony bank of my travel plans outside of the country and to other states within the US prior to travel. These notices have been given to Synchrony two weeks prior to travel and again the day before my travel. Every time Synchrony bank shuts down my cards claiming fraud when they knew I was traveling. I 've spent hours on the phone with Synchrony to correct these issues to no avail. I 've asked for a direct phone number to correct these problems from supervisors and the only answer I ever receive is I 'll send your complaint to upper management.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed fraudulent accounts on my credit report with Experian, XXXX and XXXX in writing twice. I requested that Experian, XXXX and XXXX send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @ XXXX I spoke with a Supervisor by the name of XXXX XXXX of XXXX over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF XXXX has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617.
<P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from XXXX and XXXX as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first two letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.

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 01/18/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have disputed to the creditors and a fraud alert and freeze were placed on all XXXX credit reports. I will like these creditors to investigate my personal information and credit inquiries for a third person using my information to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Transworld Systems Inc. did not share information that the debt was paid in full with the original company, XXXX and thereby I was sent to collections, from XXXX to another collections agency. 

This continues to show up as an uppaid account on my credit report and thereby negatively impacting my credit scores.

Company response to consumer: Closed with explanation