milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2015 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: APR or interest rate

Complaint: I made a {$900.00} purchase using my care credit card. I was granted 12 months of interest free payments for that transaction. Once that promotion ends, I would be charged 26.9 % on the remaining balance. During the course of the year, synchrony bank took over Care Credit. On XX/XX/XXXX, my balance was down to {$350.00}. This company charged me 26 % on the original balance which is not on the terms I agreed to when I first joined this company as Care Credit. I contacted Synchrony and the rep told me that she could n't tell me my new interest rate/agreement. I told her this was deceptive as I had not signed these terms nor agreed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with Southern Management Systems Inc. (AR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received notice from Southern Management Systems , Inc., about XX/XX/2018 for an alleged debt owed to XXXX XXXX. I dispute the validity of this debt and all portions thereof and request the following : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3 ) Name and address of alleged creditor. 4 ) Name on file of alleged debtor. 5 ) Alleged account number. 6 ) Address on file for alleged debtor. 7 ) Amount of alleged debt. 8 ) Date this alleged debt became payable. 9 ) Date of original charge off or delinquency. 10 ) Verification that this debt was assigned or sold to collector. 11 ) Complete accounting of alleged debt. 12 ) Commission for debt collector if collection efforts are successful.

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 04-07-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other fee

Complaint: i have a credit card from chase. the credit card # XXXX. 
I did not receive the statement in XX/XX/2017 and I did not know that chase had billed an annual fee to me to this account, i called chase today and learned that an annual fee had been billed. i asked them to cancel my account and credit the annual fee back, but that told me that i am late by 1 day ( one day only ), and refused to credit the annual fee back. This is completely unacceptable and a rip-off. they did not deliver a a statement to me and I did not know about the annual fee until today. 
please have chase reverse the annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed item from your credit report without notifying you in writing within 5 business days. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2017 about Debt collection (Other debt) with TIAA, FSB (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX, XXXX Dear XXXXureau of Consumer Financial Protection : I am hoping for your assistance with a matter which, I fear, will turn problematic in the near future. It involves my optometric practice and its relationship with an institution known as EverBank Financial, which may have formerly been a subsidiary of XXXX XXXX XXXX and is now owned by a finance and banking company which goes by the name of TIAA , FSB. I have been informed that the EverBank nomicker still exists under the control of TIAA , FSB. 

Three years ago XXXX XXXX of XXXX ), I entered into an agreement with EverBank to purchase a piece of examination equipment. This agreement was facilitated by the manufacturer of the instrument, XXXX XXXX. To my understanding ( and also to the understanding of the XXXX representative ), my agreement with EverBank was to be a loan, one which could be paid off in advance if I so desired. 

On XXXX XXXX, XXXX, I took advantage of that option. I made a lump sum payment to EverBank to the exact penny of what EverBank said I owed if I was to pay in full ahead of schedule. Any final lump sum payment to pay off my debt was to be done at a discount from that which I would have to pay were I to continue with payments. I have that very specific documentation in an email from EverBank because I requested that information in order to make the proper payoff payment. [ I will gladly provide this evidence as well as a detailed expose of the bullying manner in which I have been treated by EverBank from the time our relationship commenced, if requested. I have pages upon pages of documentation ].
My obligation to EverBank is now fulfilled. Nevertheless, I continue to receive monthly statements from them in which they subtract the normal monthly payment from my large credit balance. 

My suspicion is that when EverBank makes the debit which finally zeroes my balance, they will find that I still owe a substantial amount of money. They have never been forthright and honest with me and do not know why it should be any different at that point. 

What I want right now is a letter which dismisses my obligation, a so-called Paid in Full notification. This is something which EverBank has been unwilling to provide, in spite of repeated requests through registered mail. I have never even received a response. 

Would you please help me get what is only right that they provide? I would greatly appreciate your assistance in any way you can. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Medical) with Collections Acquisition Company, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Payliance deleted this account over 2 years ago when I proved I had no such returned check for this amount ever. I want this deleted ASAP as they are reporting false information They are reporting a returned check for {$170.00} on XX/XX/XXXX I never wrote

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Other service problem

Complaint: Citizens Bank has refused to transfer an investment account to another bank. They have put XXXX XXXX blocks, denied access, and altered documents to prevent me from withdrawing an investment account. They have igned my numerous requests and correspondence. I am XXXX for my uncle, and they refuse to acknowledge my authority to handle his account. They purposefully altered a notorized document to prevent me from making a transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. ().
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Regarding my acct. # XXXX XXXX XXXX XXXX ( closed ) While residing in the USA I was a member of XXXX, and was issued a XXXX Visa card with special XXXX benefits. My account was never delinquent, and paid in full each and every month. When I relocated to XXXX in XXXX of XXXX, I paid an additional {$400.00} on my account to ensure that it would not be overdrawn or become delinquent during the moving process. After arrival I attempted to access my account online but could not. For reasons unknown to me, and which I can not explain, I could not contact anyone at XXXX  XXXX  to render my change of address. Access was blocked. After numerous attempts I was finally able to contact a customer service rep in Florida, who supposedly recorded my request for information about my account and learned that it had been closed, and the credit balance of {$400.00} was sent to my former address in XXXX XXXX. I don't know why they closed it, it was not at my request. The rep said that her identity verifying equipment was XXXX and she would call me back the following week. That week, and many more, came and went but no call ever came from her, or anyone else. Since then I have tried again to reach someone without success, and finally wrote a letter addressed to both of the following : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX and to XXXX XXXX, XXXX XXXX XXXX, XXXX, KY XXXX. That letter was dated XX/XX/XXXX and so far I have received NO RESPONSE. Anything you can do to help me get my full refund of at least {$400.00} would be much appreciated. 

Please note : Attached is a copy of my husbands statement indicating that CitiBank had our correct address. The change of address was given to both accounts at the same time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2018 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (SC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I made a checking account balance inquiry at a non-Regions ATM on XX/XX/XXXX. There was a notice on the ATM from the other institution that a fee would not be charged by them, but that Regions Bank may charge a fee. 

However, I was unaware that a {$2.00} fee would be charged by Regions Bank simply for getting my balance. It is a deceptive practice not to tell customers what the fee is for checking their account balance. While I was provided this information at account opening, that was over 15 years ago when I opened my account in XX/XX/XXXX. 

There should either be no fee to check your balance, or the fee should be disclosed to you before you proceed with the transaction. 

I would like my fee refunded for the Bank failing to disclose the fee to me at the time the transaction took place.

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 02/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The debt collection company and credit bureau kept XXXX different accounts that were in collections on my credit report well pass the statute of limitations by illegally re-aging the accounts multiple times after they were suppose drop off my report. And I also believe that XXXX of the XXXX delinquent accounts were not my debt. And this has caused me to have terrible credit for years. And I requested a copy of all my debt information from the collection company 2 months ago and still have not received it. After I requested debt information they took those accounts off my credit report but the damage has been done. I incurred those debts in XXXX and never received a bill so I never made one payment so therefore statute limitation has been up and i just got them to remove the negative accounts XXXX of 2016. And when I contacted the collection company in XXXX of 2016 and explained to them the statute of limitations was up they told me there was no statute of limitations on my specific type of debt, which is totally false.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (DC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Last XX/XX/XXXX I disputed and appealed a translation that was never resolved. This went on for almost 6 months. 

I contacted Ocwen in XX/XX/XXXX about a trial payment plan modification. It was approved but the dates were untimely and I asked fo relief. 

I spoke with Ocwen in XXXX and was advised to submit a new application for assistance and I did so on XX/XX/XXXX. I was told that the foreclosure would be on hold while the Ocwen underwriting reviewed my request. I had questions about the application for assistance that were never addressed or answered. 

I spoke with a Ocwen representative in early XXXX who told me they would get underwriting to review the questions and help me resolve the matter. 

I schedule a cal for XX/XX/XXXX and instead of getting help on the application or Ocwen reviewing my XX/XX/XXXX request, Ocwen informed me that the property has a sale dat of XX/XX/XXXX. This was doen after I was told that the sale date was on hold while the application was being considered and reviewed. 

I was asked to submit the application again to Ocwen who the representative XXXX ( XXXX ) knew of on XX/XX/XXXX and XXXX ( XXXX ) said there as no " imaging '' in the Ocwen system of the application or record of a review by underwriting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Company garnished my bank account along with those that I was associated with even thought I was in a payment agreement with them and current on the payment agreement with no notice or attempt to renegotiate the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page XXXX statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Debt collection (Medical) with Works & Lentz of Tulsa, Inc. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: WORKS & LENTZ was contacted by us on the WORKS & LENTZ website at XXXX on XXXX/XXXX/2016, by email on XXXX/XXXX/2016, and by phone on XXXX/XXXX/2016 to stop contacting To stop contacting contacting us. WORKS & LENTZ was informed if they continued they would be in violation of the FDCPA Guidelines for Collectors. We requested for WORKS & LENTZ to send list of all debt owed within 30 days. Once debt was validated they would be paid in full within 90 days. We received a ambiguous and vague bill via court summons ( lawsuit ). WORKS & LENTZ contacted local extended family and extended family several states away. We settled out of court paying full amount owed. WORKS & LENTZ then tells us we have to pay there fees for the lawsuit filing. Yet if they had sent us a bill that requested withing 30 days they would have been paid in full. We believe WORKS & LENTZ used this as a tactic to get extra money. We have website print out if needed of attempt to contact WORKS & LENTZ on there website. We also have email if needed where we attempted to contact WORKS & LENTZ by email

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, XXXX, I visted the M7T Bank Branch located in XXXX PA. after expecting fraudulent charges were made against my account. Initially the bank gave me a provisional credit ; however, on XXXX XXXX, XXXX they reversed the credit. I was supplied with the name of the person who made these charges and immediately filed a police report, and supplied M & T Bank with the protection from abuse order filed on XXXX XXXX, XXXX against the individual and the police report number. M & T will not let me speak to the someone in the fraud department, nor will they refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We were in Court on XX/XX/2017 between me and The point at XXXX XXXX XXXX. The district Judge dismissed the case against me since it wrong. Now the collection agency ( Fair Collection and Outsourcing ) ignore the judge decision ) and reported me to all 3 major credit report agency to destroy my credit.

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 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This compliant is second submission, last XXXX 2016, I received a phone call from someone claiming to be from card services who told me if I sent them a check for XXXX they would hold it in escrow for 3 months and if I made the minimum payment for the 3 months. I did not have this in my account and I told them this. This appeared as a charge on my Bank of America Visa statement, I was s told my interest charges would be taken off my account after the 3 months which did not happen. I contacted Bank of America several times regarding this issue. I was eventually told It was my responsibility for these charges because I agreed to them. I am a senior citizen who got scamed, I have Been to lawyers regarding this who then submitted all the paper work, which I assumed included that this complaint was against Bank of America. I have been making XXXX a month payments on this as this is all I can afford. I am extremely tried of this issue. I made a stupid mistake that I will apparently be paying for the rest of my life. All this has been submitted to you a long time ago. Now I a am told tennis has been closed because of my lack of response, to contact, which I never got. I am extremely aggravated by this whole situation. Please, please help. YOU HAVE ALL MY INFORMATION

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 09/25/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NH).
Issue: Managing the loan or lease

Complaint: GM Financial 's invoice contains misleading and untrue information regarding 24/7 access to their online services. The statement reads : " Managing your GM Financial lease account just got easier ] You now have 24/7 account and payment access. Visit GMFINANCIAL.com and register for myaccount.com ''. 
Upon trying to login on a Friday night I was redirected to a site that showed the " hours '' for their online service and when it was available. This is NOT 24/7 access as claimed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A company called Fast Cash Services claims that I owe them XXXX from an old outstanding debt and they want me to pay within 24 hours and the case will be downloaded and they will file suit in federal court in XXXX, FL. FCS Incorporated is the name of the company they claim to be working as.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (VT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Acceptance shows as a hard inquiry on Consumer 's Credit Report. Was supposed to be removed XX/XX/2018 and is still has not been removed from consumer 's credit report after appearing for two full years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Hello I sent a certified letter to equifax concerning a bankruptcy that was listed on my credit report. This was in  XXXX   2017 . They signed for the letter on  XXXX   XXXX   2017  and failed to mark it disputed on my credit report as of  XXXX   XXXX ,2017. They also sent me a letter in  XXXX    XXXX ,2017  saying they verified it with  XXXX  in  XXXX     2017  but i froze my report on  XXXX   XXXX ,2017. They are clearly being dishonest and breaking the law.     thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Other debt) with ASTA FUNDING INC. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a Writ of Garnishment of Wages from my employer regarding a cell phone bill that is more than  7 years old . I was incarcerated when the debt went into default. I have not been notified of the debt from  Palisades   XXXX  or  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , located in  XXXX , MD, until this time. The {$710.00} debt has accrued other interest and fees over the years, totaling over {$1500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation