milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: We have a PayPal Extra Mastercard through Synchrony Bank formerly GE Capital. Evidently General Electric does n't want people to know they run and operation like this with PayPal. We are forced to pay the bill on this card through Paypal or by phone. Neither methods are reliable. 
PayPal and Synchrony Banks phone line are broken more than 50 % of the time. Today I was on the phone for XXXX minutes as I tried to pay my bill. Every time I pressed the keys or spoke my request the tape loop just repeated itself. This happens at least 50 % of the time when I call. I do n't know if this is a game they play so you are forced to use PayPay, but it is ridiculous and should be illegal. 
I called Synchronicity 's helpline and got someone whom I could barely understand. I was transferred to a supervisor -- really a henchman whose job it was not to help me but make the situation even more upsetting. He was rude and arrogant and gave me nothing but excuses. When I told him I was n't interested in hearing excuses for their phone billing service being broken all the time and charging me XXXX dollars to take my payment with a representative -- who is in some foreign country and I am forced to give my checking account information -- he got nasty. 
Unacceptable that these banks and financial companies like PayPal treat their customers like garbage. They offer no service. Talking to someone who is reading from a script in XXXX is not service. Then being transferred to some bully who is paid to abuse customers is unacceptable. I was so angry I said a few choice word and hung up without paying my bill yet again. PayPal and Synchronicity must be forced to provide service. We should not be FORCED to use paypal or the phone to pay. When neither is reliable and more often than not BROKEN. 
I have tried paying by mail with this bank -- mailing my bill in plenty of time -- and they play games with that as well. Saying it was n't processed until it was late even though it got there in plenty of time. 
Please investigate these XXXX companies. They are both criminal. That this goes on in the US is unbelievable. When we got this card six years ago we spoke to intelligent people who could actually help us. This is not longer the case. I have wasted hours of my time trying to pay this bill just today. And it happens over and over again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2016 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (CA).
Issue: Managing the loan or lease

Complaint: I moved from XXXX to XXXX in XXXX of this year. BMW Financial Services failed to send me a billing invoice for my payment, even though I called, emailed and sent change of address through USPS. Because I did not get invoice, my payment was late by just over 30 days. BMWFS had my email, phone number, and all other contact info but did not bother to notify me of late status until it was too late. I disputed with the XXXX credit agencies but BMW refused to budge. My attorney stated that since they had always sent a statement that they have set the precedent and were required to continue to do so. Since they did not, then they are bound to remove the derogatory information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with TransUnion. TransUnion supposedly investigated it and came back and said that proper validation was provided to them. In TransUnion 's letters dated XXXX/XXXX/16 and XXXX/XXXX/16, they state " If interested, you may also request a description of how the investigation was conducted along with the business name, address and telephone number of the source of information. '' I have requested this information more than once and they will not provide it. If this does not get removed, I will file a complaint with the Federal Trade Commission. TransUnion is bonded by the State of Texas and they are required to remove any and all invalidated debts. They are refusing to do so and are refusing to provided the written documentation showing this debt has been properly validated. They are violating my rights and I will not allow it to continue. Do your job and remove this invalidated debt. YOU ARE REQUIRED UNDER THE LAW TO DO SO. In fact, XXXX has now closed this account because they recognize they can not validate it. Obviously, TransUnion is not doing their job and has not been able to validate the debt. This is not my debt and must be removed. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I did not enter into any lease agreement with that apartment complex. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? TransUnion will not remove this account even though it has not been able to properly validate it as being my debt. Thank you.

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 08/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: An inaccurate and understated appraisal was completed XX/XX/XXXX. I paid {$350.00} for this appraisal through Seterus Inc.. The appraisal came in at XXXX sq. ft. The actual sq. ft of my home is XXXX approx. I paid for this appraisal so that the bank would remove the Private Mortgage Insurance if the Loan to Value was XXXX % or below. Since the appraisal was understated I had a loan to value of XXXX %. I have sent proof with several letters to Seterus Inc. since XX/XX/XXXX that reflects my actual sq. footage but they do n't seem to care or want to help me. PMI runs me almost {$200.00} per month of which I have been paying since 2005. I am elderly and need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: After Equifax revealed my personal data to identity thieves via their wholly inadequate data security, I tried to place a credit freeze on my equifax account so that those identity thieves will not be able to fraudulently obtain credit in my name. 
Equifax wants to charge me {$10.00} for this, which is ludicrous, considering that this would n't be necessary if they had protected my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (AR).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is sharing stolen money from my Mortgage with members of the XXXX Tax Collector 's Office in Arkansas. Since XX/XX/XXXX Wells Fargo has sent enormous checks for property taxes totaling {$130000.00} supposedly for my Property Taxes. The property taxes on my small home in XXXX Arkansas are typically {$470.00} or less. The payments made by Wells Fargo to the XXXX County Collector 's Office is a {$120000.00} flagrant overpayment. I believe Wells Fargo is sharing the money they have stolen from my Mortgage Account # XXXX with Arkansas State Officials. I have provided evidence these payments have been made and received by the State. 
Please go to this link to see live data on the Arkansas Collectors website http : XXXX Credit Amt Total XXXX Current XXXX XX/XX/XXXX {$0.00} {$11000.00} {$0.00} {$11000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$10000.00} {$0.00} {$10000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$14000.00} {$0.00} {$14000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$16000.00} {$0.00} {$16000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$17000.00} {$0.00} {$17000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$16000.00} {$0.00} {$16000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$25000.00} {$0.00} {$25000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$16000.00} {$0.00} {$16000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$420.00} {$0.00} {$420.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$470.00} {$0.00} {$470.00} Total {$130000.00} I am the victim of Elderly Abuse. I am XXXX years old and I have a XXXX. I am currently in a XXXX and use a XXXX. This week I am having my daughter drive me XXXX Miles from my home to XXXX Arkansas to send a Bank Check to Wells Fargo because they have falsely claimed I owe them money when they have stolen my mortgage payments for years. Wells Fargo Bank Officials and Arkansas State Officials are stealing money and homes of Elderly people like me all over the state. Please investigate and put these people in jail. I may die before there is an end to this investigation but please do not stop punishing people that steal from the defenseless.

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 08/18/2017 about Debt collection (Medical debt) with Herbert P. Sears Co., Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: HP Sears has reported a debt that does n't belong to me to all three credit bureaus, and has failed to validate or delete the debt. I sent a certified letter by mail in XX/XX/XXXX and then again in XX/XX/XXXX and as of today they have not responded. the alleged debt was said to be opened on X/X/2017 for XXXX for services rendered at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Mortgage (FHA mortgage) with TOWNE MORTGAGE COMPANY (MI).
Issue: Closing on a mortgage

Complaint: The mortgage broker failed to provide accurate closing escrow numbers on loan payment, taxes and insurance. These number were also verified by the mortgage company before the closing. Almost 2 years later the mortgage company is claiming an error was made at the closing in calculating the escrow accounts which is resulting in a significant increase in my mortgage payment which I can no longer afford due to a fixed SS income. Investigation into these companies has revealed numerous complaints of the same instance of escrow fraud at closing.I have requested an investigation by the person handling the loan and he will not cooperate with me. My mortgage payment has gone from {$540.00} a month to {$710.00} a month which I can not afford.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I requested a mortgage modification on my first mortgage with Wells Fargo XX/XX/XXXX. When I started the trial period payments XX/XX/XXXX I was at most 45 days late. I proceeded to make all of my trial period payments either early or on time each month for the duration of the trial payment period which lasted approximately 7 months until XX/XX/XXXX when the modification was finalized. However, even though all of my payments during the trial mortgage modification were either early or on time Wells Fargo Home Mortgage is reporting me 60 days late for several months during this timeframe most recently XX/XX/XXXX and XX/XX/XXXX. They continue to report this inaccurate information even though I have utilized the credit report dispute process as well as the internal Wells Fargo investigative process. I have provided them dozens of pages of statements and payment confirmation numbers for the months in question and each time they just come back and say they are reporting correctly. However, they never provide me any hard data that shows I was late 60 days on the months they are reporting it. There is just a vague explanation that the reporting is a byproduct of the modification process and that it 's correct. Even though their own statements would show payments were made on time or early for the months being reported 60 days late. I have spent hours collecting and analyzing data to make my case but it is almost as if Wells Fargo is using the inaccurate negative credit reporting as retribution for undertaking the modification to begin with.

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 01-05-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (OK).
Issue: Credit decision / Underwriting

Complaint: While applying for a mortgage refinance in 2013, Quicken Loans misrepresented my credit score by XXXX points on all XXXX credit bureaus and suggested that I enroll in their XXXX XXXX Program at a cost of {$200.00} plus dollars. While being guaranteed that the costs would go towards closing should I apply. I inquired about the discrepancy in the scores and was told that the scores I see for my personal credit monitoring is different than the score they see. While I had a qualifying score initially, my score was increased by satisfying some small debts ... However, each quicken loan representative I spoke with subsequent, refused to process my application without an additional cash payment. I can include names and contact numbers of those involved in this process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCS, Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have attempted to contact National Credit Services , Inc. via email and phone in order to have an incorrect account on my credit removed. The account in question involves an eviction from XX/XX/XXXX which was paid off in XX/XX/XXXX directly to the property management company ( XXXX XXXX XXXX ). I have a Release of Judgement showing that the amount is paid in full but have not been able to reach anyone at National Credit Services , Inc .

Company response to consumer: Closed
Consumer complaint received 02-04-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Since regulatory action was taken against this agency in XXXX 2015 by the CFPB for inconsistent information, the validity of any alleged debt produced by this organization should be called into question. An attorney has reviewed any of my alleged debts and has advised me that I am judgment proof. However, this company decided to obtain XXXX XXXX XXXX to collect on an alleged debt owed to XXXX Bank/XXXX ending in XXXX. They proceeded with a XXXX XXXX XXXX, NJ, XXXX for a total alleged amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America was aware that I was in the process of selling my property and they were notified of the sale date. I requested a payoff amount and then they hired an attorney to move forward with foreclosure. This added XXXX to the payoff amount which I am unable to pay. I have been in communication with them on a weekly basis and they assured me that the process for short sale would be started as long as I moved out of the property. I moved and saved the money to payoff the amount owed after the sale of the property and now I do not have the extra money for the foreclosure cost and attorney fees. I would like to file a complaint against them so that this does not happen to another potential consumer.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I first wrote to the Trans Union on XXXX about my name and it being reported wrong on my credit report as well as names not belonging to me, for instance, my wife 's name on my credit report and sent them my license as well as my social security card and also my utility bill showing my address I have lived at for the last 22 years all of which was sent certified mail and had documents also notarized. 

they still did n't get the information correct as I had to send another certified mail on XXXX with the same information as the last time license, ss card, utility bill and notarized documents and when I pulled my credit report I still show my wife 's name which is XXXX XXXX XXXX ( maiden ) XXXX. 


XXXX XXXX XXXX this name is wrong and needs to be corrected XXXX  XXXX XXXX this name is wrong and needs to be corrected XXXX, XXXX this name is wrong and needs to be corrected XXXX, XXXX, XXXX this name is wrong and needs to be corrected my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, Hawaii XXXX All other versions are incorrect and by law must be removed as per the FCRA since they are inaccurate.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it May concern : Verifying my report with the XXXX  agency I noticed that there are accounts that do not belong to me affected my score and credit history with them, I have never had an account with XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, Bank of America XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. 

Also variations of names such as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Variation of social insurance # XXXX that does not belong to me are reported. 

I wish only to report my correct address XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX, P.R 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 12-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I was initially contacted by this agency and informed about an alleged debt. I then informed them of my bankruptcy case, and the inclusion of the original creditor they were attempting to collect on behalf of. 

The call stopped for a little over one month, then I began to receive credit monitoring alerts regarding a collection being reported. 

It turns out this company just, up and decided to start trying to collect during an automatic stay after they were notified. 

I contacted them regarding this new collection reporting, and they indicated that their compliance department handles this, but they could n't transfer me, nor could they talk to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Checking or savings account (Checking account) with TRUSTMARK CORPORATION (MS).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX   XXXX ,  2017 , I deposited several checks into my checking account, one of which was in excess of {$5000.00}. The branch manager put a hold on this check thereby making these funds unavailable to me for the purpose to which they were intended, even though the check cleared on the day of the deposit, or at the latest, the next day. The person who wrote the check received a notification that the funds had been removed from their account  one  day after the deposit, on  XXXX   XXXX ,  2017 .  Trust  mark continued to hold the funds from my account for 8 more days, until I personally visited the main Trustmark office and spoke directly with the President of the bank. There was no reason given, nor a reasonable criterion for the funds to be held at the time of the deposit, much less for eight more day, according the Federal Re serve  Guidelines 229.13 Exceptions ( under the section of Availability of Funds ). I have done business with Trustmark for almost thirty ye ars. These funds were not being deposited into a new account, and I have never had an overdraft or a redeposited check. There was " no reasonable cause to doubt collectibility. '' None of the other exceptions under this paragraph or its subsections apply, and the President of the bank could not give a reason for the hold having taken place. I not only was inconvenienced twice, but was also unable to pay off my mortgage with the funds I deposited without having to make a trip to the main branch and speak directly to the  President of the bank. And, for eight days, Trustmark profited from my money. If I had not taken off work for a second day to resolve this issue, I have no idea how long they would have held my money hostage .     I think that I have resolved the issue ; although, I have not seen my final bank statement, nor my mortgage statement. I plan to close  my Trustmark account as soon as my pending transactions have been paid. Be forewarned. This is not the first problem I have had with Trustmark. On more than one o ccasion I have had funds misapplied or " lost. '' With these other small issues, I have resolved the problems and moved on without filing a complaint or changing banks, because changing banking institutions is quite inconvenient, but at some point, the consumer has to stand up and make a statement. If you have had a similar experience with Trustmark, I urge you to file a complaint. Please, keep a very close watch on your statements and deposit slips.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Payday loan () with ACE CASH EXPRESS, INC. (WA).
Issue: Can't contact lender

Complaint: I represent, as a manager, a landlord to ACE Cash Express in XXXX Washington. They have abandoned their rented space with one year left in their lease. They used you as an excuse by sending me a copy of your XXXX XXXX, 2015 Outline of Proposals Under Consideration and Alternatives Considered. They said this allows them to vacate the lease. However, the lease says they can vacate the lease only if there are rule or law changes that stop them from operation in Washington state where this store is/was. I have sent them letters, called, and emailed XXXX XXXX, their current VP. They are ignoring me and owe me over {$36000.00}. Can you please help me or tell me who to contact?

Company response to consumer: Closed