milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have taken the liberty of compiling all of the credit card and credit limits that have been affected due to Synchrony Bank 's harsh and detrimental behavior. The credit cards are as follo w  s : 1.   TJ Maxx/Marshalls  XXXX   XXXX   XXXX   XXXX , card ending in  XXXX , {$2400.00} limit - closed completely in  XXXX  without explanation and had a {$0.00} balance, open since  XXXX , never late 2.  XXXX , card ending in  XXXX , {$6000.00} limit - lowered to {$100.00} and had a {$0.00} balance when lowered without explanation, open since  XXXX , never la te 3 .   XXXX   XXXX    XXXX , card ending in  XXXX , {$5000.00} limit - lowered to {$630.00} and had a {$200.00} balance when lowered without explanation, open since  XXXX , neve r late 4. Walmart,  card ending in  XXXX , {$1200.00} limit - lowered to {$100.00} and had a {$0.00} balance when lowered, just recently closed  XXXX / XXXX / XXXX  without explanation, open since  XXXX , never  la  te 5. Amazon   Prime, card  ending in  XXXX , {$2500.00} limit - lowered to {$100.00} and had a credit of {$140.00} when lowered without explanation, open since  XXXX , nev er late 6.   XXXX   XXXX   XXXX   XXXX  , card ending in  XXXX , {$3500.00} limit - lowered to {$1500.00} and had a balance of {$1200.00} when lowered without explanation, open since  XXXX , never  late 7.  Care Credit, card ending in  XXXX , {$3900.00} limit - lowered to {$2900.00} and had a {$0.00} balance when lowered, just recently closed on  XXXX  without explanation and open since  XXXX , never  late Total affec ted amounts : {$24000.0 0} New limit totals :  {$2300.00} Now you can clearly see why I am upset and am boycotting these stores. This entire situation has impacted my credit negatively. Synchrony Bank not once reached out to me during their credit lowering and closing process.     Thank you again,  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 10-03-2017 about Debt collection (Other debt) with AFNI INC. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been back and forth with this company, XXXX, XXXX They have agreed to delete and then every other month they add this debt in the amount of {$520.00}, not owed by me back on my credit report. I do not owe XXXX XXXX XXXX XXXXe nor have I ever set up any service with them. This is messing up my credit report and I do not appreciate this period.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My first initial contact was inXX/XX/XXXX, I have been disputing inaccurate information on my credit file for months now. I am also a victim of identity theft and have taken all of the necessary steps to insure that this will not happen again to me. I disputed the two chapter XXXX  bankruptcies on my credit file that states dismissed which has never happen. Experian has notified me that they have verified these accounts and they will remain on my credit report. XX/XX/XXXXI then sent Experian a letter of verification, asking how did they verify, whom did they speak with, on what date and ETC ... Experian failed to provide me with the proper response and documentation that I was asking for. Instead they stated that it will remain and once again it has been verified. I went to the US bankruptcy court and got documentation showing that these bankruptcy was dismissed and documents showing that they have not verified this account with no one. Yet, Experian refuses to take these account off of my credit file. XXXX and XXXX has removed this incorrect information why is it such a hassle with Experian. This has caused a major confusion In my life, Its holding me back from a higher position held within my job institution.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On   XX/XX/XXXX     I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter XX/XX/XXXX  .  All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.

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 Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XX/XX/XXXX I filed a request for an investigation about XXXX XXXX reported an incorrect balance on my credit report. They stated that I owe {$1500.00}. This is incorrect. I only owe just over {$1100.00}. They took me to Magistrate XXXX XXXX 's office, and he lowered it. 
I sent Experian a copy of the original paperwork from XXXX stating the {$1500.00}, and the Magistrates ruling of just over {$1100.00}. They stated that there was nothing incorrect. I sent proof and requested that it be removed from my credit because it was incorrect. It was not done. The original debt is from XXXX XXXX XXXX, XXXX XXXX is a third party who purchased the debt from XXXX XXXX XXXX. I can send supporting documents if they are needed.

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 03-10-2017 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (RI).
Issue: Loan servicing, payments, escrow account

Complaint: My city sent me a legal notice stating my taxes were delinquent and there would be a tax sale. When I contacted the city they stated my taxes had not been paid all year. I contacted the mortgage company and they started there research XX/XX/XXXX. I called back two weeks later they stated a resolution date of XX/XX/XXXX. I called XX/XX/XXXX they said to call back XX/XX/XXXX. Today is XX/XX/XXXX I called the city and they said they have still not received any payments and no one has been in contact with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When Navient took over federal student loans from XXXX XXXX, my information was somehow updated to show that I was late on payments, when in fact my loans was under deferral with XXXX XXXX. I have called and contacted this company twice in regards to this error and as of today, they have not provided, nor corrected my records.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian refuses to remove disputed addresses, including addresses in other states that I have never lived in and addresses that do n't exist, are spelled incorrectly and belong only to relatives.

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 03-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Billing disputes

Complaint: Brought my vehicle in for warranty item to XXXX XXXX and was charged a miscellaneous charge on invoice in the amount of {$1200.00} on XXXX/XXXX/16. I disputed the charge with Capitol One credit card and was given credit back on XXXX/XXXX/16. I was rebilled for {$1200.00} on XXXX/XXXX/16 even though the charge that XXXX XXXX charged on my card is in direct violation of our state laws which is New Hampshire. I have given all information to Capitol One in order to uphold the chargeback but they will not give us our credit back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/21/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (CA).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: To Credit Acceptance Corp XXXX XXXX, XXXX RE : Repossession and Disposition of Vehicle VIN : XXXX This company is in violation engaging in a repossession without written notice, without a timely letter to inform of the repossession, how to retrieve the vehicle in a timely manner and predatory loan practices. The vehicle was repossessed in XXXX of XXXX, I never received a letter until XXXX XXXX of the sale of the vehicle with the amount remaining of {$6400.00} This company is currently under legal dispute for the same issues in a class action lawsiut

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
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: KOHLS credit card is reporting that I was 30 days late as of XXXX 2017,  but I have a statement from XXXX doesnt show that

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Settlement process and costs

Complaint: Summary will be provided 1st On XXXX a quicken loans representative came to our home to conduct a final closing in order to refinance my home. This day of the XXXX was the last day of the interest lock deadline. Our Loan terms were a fixed 20 year loan at a great interest rate of 3.25 % for our residential dwelling. My wife and I discovered that the Loan amount was higher than what we agreed upon including what the most current disclosure documented. We immediately contacted Quicken and reported this error and was confident that they will see their error and remedy. Within the rescind period I attempted to resolve these factual discrepancies several times with Quicken. Quicken representative XXXX XXXX informed me on XXXX, which was the last day to timely rescind, that she is unwilling to remedy the errors made. She was not only reluctant to remedy but falsified reasons why Loan amount increased. As a result, I responded by email that this day of the XXXX stating my formal notice to rescind. In addition, that same day, My wife and I then completed the rescind document from Quicken and timely mailed it in that day according to their instructions just to be safe. Despite the timely rescind, unknowingly to my wife and I, QL rep XXXX XXXX authorized pay off of my mortgage for the amount of aprox. {$300000.00}. As a result of this negligent and arrogant act my current bank, where the loan originated from, will not except payment from me and states the loan is paid in full and will not reinstate. Furthermore, if I have to refinance there is no way I can ever get the great 3.25 % rate since the market rates have greatly increased which would potentially cost thousands of dollars more in cost. During this time Quicken Loans supervisor XXXX XXXX both in writing and verbally has acknowledged my timely rescind and has acknowledged their errors of increasing the loan amount without my authorization. She had informed me that my bank will not permit them to release the funds back and it has gone to litigation. To be cooperative, I have requested a loan modification and they have denied me several times. In spite of their errors and negligence they are threatening my wife and I by saying if we do n't make the 1st mortgage payment by XXXX they will report us to the Credit Agencies and adversely impact our good credit. We believe this is certainly unfair credit practices and tactics. Not to mention an ethical violation against my family personally and for them professionally. I will not permit our rights to be violated by allowing QL to bully my family. I am more than willing to resolve this matter reasonably and fairly. PLEASE HELP! 
. I also can provide a factual timeline of specific events including dates of emails, written communications and conversations that fully support the summary allegations. I also have a complete file of documentation of supporting information to what is mentioned in addition to other discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (SC).
Issue: Managing the loan or lease

Complaint: I SENT PAYOFF PAYMENT TO COMPANY. COMPANY HAS NOT RESPONDED TO MY NOTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have a checking account with the Bank of America on Saturday XXXX/XXXX/XXXX, I received text alert indicating my account was overdrawn, then my XXXX membership fee which is automatic recurring charge was applied XXXX/XXXX/XXXX & I also received a text alert too. On Tuesday morning XXXX/XXXX/XXXX, I received another text alert stating that overdrawn fee of {$35.00} was added & a afternoon text alert came stating insufficient funds to my account. Wednesday morning XXXX I received another text alert stating my Bank of America account is still overdrawn an the negative amount. Thursday XXXX I received another text alert stating ( " Bring your account current before XXXX/XXXX/XXXX to avoid a {$35.00} extended overdrawn balance charge. This is in addition to overdraft fees '' ). Friday XXXX/XXXX/XXXX @ XXXX I went to Bank of America ATM deposited {$100.00} in cash, I received a text alert Saturday morning XXXX/XXXX/XXXX XXXX indicating a positive Available balance for my account & Sunday morning XXXX/XXXX/XXXX & Monday XXXX/XXXX/XXXX the same statement via text alerts. On XXXX/XXXX/XXXX Tuesday morning XXXX, the same text alert positive available balance, then at XXXX on XXXX/XXXX/XXXX text alert came your available balance on your acct has dropped to negative & {$35.00} overdrawn fee was also applied.

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 09/25/2015 about Credit card () with U.S. BANCORP (WV).
Issue: Closing/Cancelling account

Complaint: On XXXX I accessed MY credit reports from the XXXX credit bureaus and found a credit card account which was opened at XXXX in the name of XXXX XXXX XXXX, my mother showing as " Open ''. My mother passed away on XX/XX/XXXX and as the " Personal Representative '' of the estate I contacted XXXX who services the account under the name of " Elan Financial '' credit card of her death via written correspondence dated XX/XX/XXXX and XX/XX/XXXX providing them copies of her death certificate and the " Letter of Administration '' from the XXXX XXXX Maryland Register of Wills Office. I contacted XXXX on XX/XX/XXXX and after numerous attempts to actually speak to someone in the Internal Collections Department I finally reached a representative to whom I provided the above information as well as my complaint that this account was even on MY credit bureau records but more importantly that the account had been paid in full in XX/XX/XXXX and at least should have shown as " Closed ''. I further advised her I had received correspondence dated XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX Reference Number XXXX who was acting as the collection department for Elan Financial confirming that the account was settled and that Elan Financial would be filing a XXXX with the IRS. She stated that she had no record of receiving any information naming me as the estate representative and could not discuss the account details over the phone. I advised her they had been provide to XXXX XXXX XXXX already and i would not send them again. She further stated I would have to sent written requests for the matter to be considered and she was unable to help me. I stated that the complaint was false information on MY credit reports and saw no reason that they were unable and unwilling to access the account in question without discussing it with me and find the account was closed and to notify all three credit bureaus of that fact. Again she stated she would do nothing unless I made written requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Was given misinformation repeatedly about the status of my IBR, application submitted in XX/XX/XXXX ( while tax retrieval tool was down ). Was not notified of need for supplemental documentation. Was told by representatives there was no record of IBR application from XX/XX/XXXX. Called multiple times and spoke with representatives not knowledgeable about the ibr application process, who provided misinformation. On XX/XX/XXXX was told to reapply ( the website at fedloan was down all weekend ) and that there was " plenty of time '' to do so before expiration of current low payments per IBR. Four days after this conversation with this representative ( who encouraged me to take time, as there was " plenty of time '' until the next payment due date, and that a new IBR was necessary due to no record from XX/XX/XXXX ), I was sent notification that the XX/XX/XXXX IBR was expired that day due to nonreceipt of tax information. Called again, and was told not to worry, that the IBR was received and would be applied to the next upcoming payment. Then received notification that my XX/XX/XXXX IBR was processed, approved, but would not be applied to XX/XX/XXXX 's payment. Called company to complain about misinformation provided by employees, about an IBR from XX/XX/XXXX, and if I had been allowed to submit tax information for this request, my IBR would have been applied for XX/XX/XXXX and not XX/XX/XXXX. Employees tried to tell me my only option was forbearance, and other costly options which would include capitalization of my loans. Manager would not honor the most recently approved IBR payment amount for XX/XX/XXXX, was rude, raised her voice, and continued to argue that there was no misconduct on their part and that she would provide " more training '' to employees who gave false information. All I asked for was for them to apply the most recent IBR to the next upcoming payment due. This was something they said they could n't do, even though other servicers had done his in the past to correct employee mistakes. Instead of not being able to fix this, they are simply choosing not to. So, they 're simply going to educate their employees, but I have to for over almost {$900.00} of payments I can not afford at this time due to temporary unemployment. This is fraudulent, unethical, and predatory. I feel they are purposefully doing this to steer me towards more expensive options which include capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I rented a apartment from XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. After a few months of residing there, I have to move back to XXXX in XX/XX/XXXX. So I terminate the lease and pay the penalty which is {$5800.00} the remainder of the balance owed. Then in XX/XX/XXXX I got a call from XXXX XXXX saying that I owed them utility bill of a hundred and fifty something dollars. I call the utility company XXXX and ask about the charges and was told my account is paid in full and has been closed. Then I call XXXX XXXX and told them about my account standing with the utility company but they insist I owed them monies. so I ask for proof of bill but nothing came. After a while I start getting calls from the collection agency " XXXX Pro-Collect ''. I explained to them what happen but was told to sent in proof. I did by regular mail but still got calls from them on my cell phone. Then I spoke to a XXXX XXXX from the agency and she told me they did n't receive any mail from me. I proceed to sent them a registered mail this time but calls continue coming in. I call the agency and ask why are they still calling me and was told they are waiting for reply from their client but at the meantime they will keep calling. Then the last thing I know my credit report has a negative collection report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation