milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2015 about Credit card () with CITIBANK, N.A. (RI).
Issue: Other fee

Complaint: I have had a Macy 's credit card XX/XX/XXXX as this is the best way to get coupons and save money purchasing items in the store. The discounts are good. Up until about the XX/XX/XXXX I have not had an issue with my card. I pay off my card immediately after using it and I only have it to get a better deal. The sales people push their line of credit while you check out in the store. On XXXX XXXX I made a purchase of {$150.00} and paid it online when I returned home through the Macy 's Credit Card site I never received a statement, I am signed up for paperless statements through my email. This did n't surprise me because I had already paid the bill and did n't have a balance, or so I thought. At the XX/XX/XXXX I was billed {$150.00} plus a {$25.00} late charge and finance fees. The bill was now {$180.00} and change. I called Macy 's who said my bank must not have processed it. I called my bank who told me that the issue is with Macy 's site as that payment was made on their system. I called Macy 's again..They were not helpful and continued to blame my bank. At that point I made XXXX payments in XXXX to get the balance to zero as I do n't want to ruin my credit. I did n't use the card again until XXXX days ago XX/XX/XXXX. The bill was {$56.00}. I was about to login today to pay the balance when I received an email with my Macy 's statement which seemed odd since I had just made the purchase. The bill was {$60.00} and change. I attempted to login to the website to see what the extra {$4.00} charge was. The site was down. I called Macy 's credit card customer service and spoke to XXXX different people before my issue was resolved. I spent over an hour on the phone. XXXX of the persons I spoke to did say the site was down and that some could login and others could n't. I do n't believe the first person even listened to what I was saying and kept trying to get me too pay the minimum {$4.00} payment and telling me that there was a late charge as the bill was due XXXX. I explained to him multiple times that I received the bill today so I could n't understand how there was a fee on a product I bought XXXX days prior. I am annoyed that I did n't pursue the fees from XXXX. I did some research and I noticed there are many others complaining about the same issues I had, website not working, getting late fees and not receiving statements. I believe this is fraudulent activity and I would hope Macy 's would care enough about their customers to do something about their horrible credit card company, especially because they push it on all of the customers that are checking out and it is the best way to get good shopping deals. If you check the history of my account prior to this XX/XX/XXXX you can see that I have consistently paid all my bills in full. This credit card company needs a wake up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/26/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is an inquiry being reported on my equifax credit report from XXXX XXXX on XXXX/XXXX/XXXX and Ive had the account opened since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing statement

Complaint: I applied for a private label credit card in store ( XXXX-XXXX XXXX, CA ) funded through Synchrony Financial ( formerly GE ). I received a promotional APR of 0 % for 6 months. The transaction was made on XXXX XXXX in order to take advantage of the XXXX XXXX special offers. Eleven Days later, on XXXX XXXX, I received my card in the mail ... along with a bill. I immediately called Synchrony Financial to find out where the mistake had been made. Here in lies the Regulation Z violation. My payment is scheduled for XXXX XXXX which allows me ONLY 14 days to look over the bill as opposed to the mandatory 21 days allotted in the verbiage of Regulation Z : ( ( 1 ) Periodic statements are mailed or delivered at least 21 days prior to the payment due date disclosed on the statement pursuant to 226.7 ( b ) ( 11 ) ( i ) ( A ) ). I have contacted Synchrony Financial and spoken to their legal department. They were unapologetic and would not work with me to remedy their blatant error. Which financial institution would set a payment due date for a new customer a mere 23 days after the initial opening of the account? Logically speaking this is a terrible business practice and Synchrony Financial needs to overhaul their business rules. Please help me hold Synchrony Financial accountable to the laws and regulations surrounding the legal collection of consumer debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: Purchased {$1.00} Experian credit report. Found that they had signed me up for $ XXXX/mo service. I cancelled the service. Turned off the communication preferences. They are still sending multiple marketing emails every day. There is no method on their web site I've found to fully delete my " account '' or fully stop marketing emails. I've emailed them. I've waited on hold for 1/2 hour unable to reach someone. 

This is ridiculous. If we have to interact with big 3 credit reporting companies, they should be held to some minimum standards. They should not trick customers into purchasing services they do not want. They should prominently provide method to cancel marketing emails. They should prominently provide method to remove my account from their system.

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 09/15/2015 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: When attempting to make a payment online, I received the following error message : The website is not responding at this time. Please try back later or contact your institutions customer service department for further assistance. We apologize for any inconvenience. I contacted the Freedom Mortgage customer service line and explained to them the error message. The representative informed me that the error was a known issue and that I had the option of either making a payment via the phone system for a {$10.00} fee or via a live person for a {$15.00} fee. I requested a waiver of the fee since I could not make a free payment through their website. The representative stated the fee could not be waived. I then asked to speak with a supervisor. I was transferred to a team lead, XXXX, who was able to take my payment and waive the fee. I believe that Freedom Mortgage is deceptive in its practices by attempting to charge customers a fee for a payments when the option to make a free payment is not available due to the actions of Freedom Mortgage, not by any action by the consumer. In this instance, Freedom Mortgage has no incentive to correct the online system as they are able to obtain fee income from consumers that are unable to make online payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 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: Experian National Consumer Assistance Center XXXX. XX/XX/XXXX XXXX, XXXX, TX XXXX Re : Dispute Account Information To Whom It May Concern : Im writing you in regard to these accounts on my credit report you claim I owe. Since Im unaware of these debts and its origins, Id like to formally request validation of these alleged debts. To be clear, I am unaware of these debts and according to the FDCPA, Im disputing these debts and need complete, irrefutable evidence these accounts is legitimately mine and this claim is legally yours, you are legally allowed to collect on it, as well as report it to the credit reporting agencies. 

Name of Account : Open Date : Provide Physical Proof of Validation : XXXX XXXX XXXX XX/XX/XXXX Non-validated Account XXXX XXXX XXXX XX/XX/XXXX Non-validated Account XXXX XXXX XXXX XX/XX/XXXX Non-validated Account XX/XX/XXXX XX/XX/XXXX Non-validated Account XXXX XXXX XXXX XXXX XXXX XXXX Non-validated XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Non-validated Account Please respond to me with the following information : Proof I agreed to this debt with my signature ( s ) Proof the amount you are claiming is correct and legal, which will require all statements and payment history from the original creditor Proof this account is within the Statute of Limitations and has not expired Proof you are the owner of this account, which will require the contract and terms between you and the original creditor Proof you are legally licensed to collect this debt in my state For verification purposes, I will need your business license number ( s ) I am sure you are aware if you are unable to provide these few basic facts, you are in violation of the FCRA and FDCPA, as well as potential state and local laws. That being said, if you can not provide this basic information, and continue to report these unverified, non-validated debts, I will pursue this legally for violating the Fair Credit Reporting Act. 

Until this debt is validated, I request the above accounts be removed from all credit reporting agencies, since it is not been validated. Please remove all references regarding these debts from all reporting agencies until you can provide irrefutable evidence this debt is legitimate and you are legally allowed to collect on it as the owner of this debt. 

If you are unable to provide the proof I requested within 30 days of receipt of this notice, please remove and/or continue not reporting this account from all reporting agencies, which is mandated under federal law.

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 08-11-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: bankruptcy public record and some information that is not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Other bank product/service) with BB&T CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: I paid off a LOC balance with BB & T XX/XX/2016. However, the bank made a serious error in calculating the correct payoff and did not close the LOC account as instructed. That triggered a series of issues with my checking account ; additional interest ; late fees ; harassing phone calls from various BB & T employees ; NSF fees ; and countless hours on my part to clear up the issue including writing a formal complaint to Chairman and CEO XXXX XXXX. BB & T admitted the errors in writing ( XXXX XXXX Complaint Resolution Group -XX/XX/2016 ). They also assured me in writing there would be no derogatory marks submitted to the credit agencies. Last week, I noticed my XXXX score went from XXXX to XXXX with the only credit factor being BB & T reporting a negative Payment History XX/XX/2016 on my LOC that was supposed to be closed! When I contacted BB & T 's complaint resolution group they admitted -in writing -that the initial resolution was not done properly and XXXX quote XXXX " ... we failed to update coding on our system to state the XX/XX/2016 bill was satisfied and to close the loan. '' They admitted to submitting a bad file to XXXX and then said it would take up to 60 days to correct my credit score. I asked them to escalate the resolution with XXXX and this was their response : " I spoke to our Credit Dispute department who is submitting the request to XXXX as bank error today. Again, as we have no control over when XXXX will do their processing, I recommend you contact them beginning tomorrow. XXXX can be reached at XXXX. '' They made XXXX significant mistakes ( XX/XX/XXXX and XX/XX/XXXX ) and then said I had to get personally involved to resolve the problem with the credit bureau that their company created. This is horrible customer service and a totally unacceptable response from my perspective. BB & T 's errors and lack of adequate Quality Assurance/Quality Control ( QA/QC ) processes to prevent such errors has caused severe personal harm to me since I 'm currently looking for a new home and plan to apply for a mortgage. I would expect a senior level XXXX at BB & T would work directly with XXXX ( and any other credit agency who might receive the bad file ) to resolve the error faster than 60 days. My complaint : BB & T has damaged my credit score ; admitted they made numerous mistakes ; and then told me it 's my problem -- not theirs. Their errors and mistakes have placed me in a position where I will need to stop my search for a new home because of a low credit score. That is simply wrong.

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 07-02-2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied to Quicken Loans for a HARP LOAN. 
The self assertive " Loan Expert '' kept insisting I was not eligible for this loan. 
I explained that I was already " Approved '' for this loan. I mentioned XXXX Bank and was looking for a lower rate. She assured me this was not possible and perhaps these " other loan officers '' were not " honest ''. " She was an Expert '' and knew about eligibility, however, if I sent the paperwork over to her she would be good enough to " review '' their info and inform me of the error. 

It was a good thing I did NOT go along with her " Expert Opinion ''. 
I got a HARP loan for the house XXXX. 
( NOTE : 2 banks approved this loan!!!!. ) It closed in a little over four weeks at an interest rate that was much better than the former rate. 

I wonder how many thousands of people Quicken Loans and XXXX, phone # XXXX XXXX XXXX ( The Expert ) have turned away from this valuable Federal program. 

It is a shame that these people are turning consumers away from this program claiming to be " EXPERTS '' in the field and literally telling people that their data is incorrect and they do NOT qualify for a program when they know darn well they do. 

The " EXPERTS '' what would we do without them???? 
Please look into this. 
I will be reporting it to other agencies. This must be a violation of Federal Law. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Upon checking my credit report synchrony bank have a few cart on my report they are not my cards they are not even under my social security number they all were all Open around the same time. They should have knew something was wrong then now I have to deal with this and no one is helping I have disputed with all three credit companies nothing had happened

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 09-08-2017 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: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 06/20/2017 about Debt collection (Other debt) with Amsher Collection Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: To Whom it may concern, My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX. XXXX TX. XXXX, Cell # ( XXXX ) XXXX. I would like to submit a formal complaint against Amsher Collection Services, XXXX XXXX XXXX XXXX XXXX, XXXX AL. XXXX Ph # ( XXXX ) XXXX. I am currently going thru the process of purchasing a home and had my credit pulled, when that was done I found out that I had an old debt of {$66.00} with XXXX which was in collection with Amsher. I never received any calls or letters from this company about this debt so I was never made aware of it until now. I called the debt collector to pay my debt in full, when I spoke with them they had agreed to remove the debt from my credit report if I paid it in full which I happily did. Two months have passed by and the debt shows that it was paid but was never removed from my credit report, I tried numerous attempts to call and ask that they hold up their end of our agreement but every time I get someone on the phone and they realize I am not calling to pay a debt they rudely hang up on me. Now that I have paid them they want nothing to do with me and without them removing the debt from my credit report it has actually hurt my credit. I really wish I was smarter and had some type of agreement letter before paying these devious people who agreed to help me if I gave them the money they asked for. I believe this was a deceptive act to collect money from me for a debt I never knew existed. I would appreciate any help you can provide me in holding Amsher Collection Services accountable for their actions. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (PR).
Issue: Loan modification,collection,foreclosure

Complaint: The Company did not respond to the QWR, or the response received was unsatisfactory or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I would like to file a complaint about my current FHA approve lender, planet home lending,. AT THE BEGINING, I contacted planet home lending regarding this issue and they agreed it was wrong and stated that this is not something they do and they were going to look in to it and will resolve the issue, they have not get back to me and this is the only issue preventing me from closing my loan with XXXX XXXX funding. 
This is what happened, I initiated a refinance loan with Planet Home lending. iT WAS SUPPOSED TO BE AT THE BEGINNING AN STREAM LINE 30 YEAR NO PAPERWORK XXXX. they got back to me and said it was not possiblebecause interest rates were change. then they call me and said that a 15 year streamline was possible at XXXX no paperwork streamline.they repeated, They offered a stream line re-finance, they said there was no docs required, then they came back and and stated that I should take other programs like a XXXX loan at XXXX. Why would I do that if I have a XXXX loan at XXXX. They continue to call me to offer the multiple and the same deal. they call me to solicit my loan multiple times. they providedme documentation that I am attaching of a 15 year stream line. Later they said that they were iss informed that a 15 year streamline was not ever possible. The they offered other deals. At this point, I became worried about the way they did business and decided to contact a company that made me more comfortable. I called XXXX XXXX funding. Plane Home lending continues to call, I stated I already contacted a new loan company. I believe Planet home lending wrote derogatory remarks at the XXXX portal for the purpose of me having to call them and go with their offer or another of their offers. I called ultiple times and recorded most of the conversation over the phone. Every time theyover the period of 14 days they said that someone will call me back with in 30 min, that the manger was on a meeting, that the manger had left home and today after 14 days they sent me a letter form their attorney that they did not wrong and they declimke my loan because of execive delinquencies and insuficient income. wich is alie and they do this to cover their mistake/The only holding my loan is the derogatory marks Planet Home Lending placed at the XXXX portal. I would like to file a complaint of Crest line funding fraudulent loan practices.

Company response to consumer: Closed
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I had a positive balance of  XXXX  cents on my Citi card  XXXX    XXXX  .  Three months later, Citi took  that away and shows a record on my statement : " BALANCE REMOVED DUE TO INACTIVITY ''.     I was very surprised to see this record so I called customer service and was told that it is what the record said.  Citi too k that  XXXX  cents away if I do n't use my card for three months.     What kind of policy is this? Should I have been informed of such forfeit and given choices before they actually took this positive balance?

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