milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Closing/Cancelling account

Complaint: Synchrony Bank closed my Walmart Credit Card based on information over 3 months old and has in the past taken action on old information causing serious harm to my credit score. Every time I had any available balance they would immediately lower my credit limit so there was nothing available again. Every reason they quoted for closure has revolved less than 10 days after the date of the info they used and was updated on the credit report claim to have used, they chose to use old info to validate their decision instead of the current info, when I called & contested the decision they told me there was nothing they would do, They also are the bank on my Old Navy card & have taken similar actions in the past, lowering my credit limit so there was nothing available regardless of actual history on that card. They lowered it over {$500.00} in one month alone and continued taking similar actions.

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 02-12-2018 about Debt collection (Other debt) with CL HOLDINGS LLC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: For several months now I have tried to have XXXX XXXX XXXX confirm with me that there was a signed contract for two debts they claim I have. They will delete and/or close the accounts for a short time only to open it again with a different start date each time. One debt is for {$1200.00} and the other is {$570.00}. Each time they remove and replace it into collection it damages my credit more and more. I do not believe I am responsible for these debts as I have not been shown proof I signed a contract with them for these said debts and they came out of nowhere without a fare warning or a letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe this debt. This debt belongs to my father. He was born in XX/XX/XXXX. I was born in XX/XX/XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt.

Company response to consumer: Closed
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Trouble during payment process

Complaint: We refinanced our home in XXXX. The mortgage was paid off by XXXX XXXX. Our previous mortgage holder was Nationstar Mortgage. Nationstar paid to XXXX XXXX insurance our premium for the year before it was due, and while we were in the process of refinancing, we also switched from XXXX XXXX to XXXX XXXX insurance. XXXX XXXX refunded to Nationstar our premium of {$490.00}, however Nationstar refuses to refund to us the {$490.00}. Instead, they sent us the attached letter stating " We can confirm that a refund in the amount of {$490.00} is available to XXXX XXXX XXXX for prepayment made. You may need to request XXXX XXXX XXXX to obtain any refund. '' We have not been able to find a company called XXXX XXXX XXXX. On the XXXX of XXXX, I spoke with XXXX at Nationstar. She gave me her supposed phone number XXXX, which I have repeatedly called and at which I have left voicemail with no return calls. When I spoke with XXXX on the XXXX of XXXX, she assured me that a check for {$490.00} was being " expedited, '' and that we would receive it in " 14 business days or less. '' The attached letter dated XXXX XXXX, XXXX RE : Research Reference # XXXX, contradicts XXXX 's promise. We do NOT have the disposable income to be able to afford losing nearly {$500.00} - we were assured, in the refinancing process, that our escrow would be refunded to us and that it would be available for making our first new mortgage payment, which was clearly untrue. We are distressed in the extreme, losing sleep and worried about making ends meet. Our lawyer has advised us to continue registering complaints with the Consumer Financial Protection Bureau ( you ).  Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Credit card) with CL HOLDINGS LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I set up a payment schedule with Jefferson Capital to pay off my debt. I have my letter from them stating it is closed and paid in full, but they continue to report to the credit bureaus that i am deliquent in payments. They also have no records of the letter they have sent me and state i did not fulfill my agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Capital One is reporting a fraudulent credit card account on all XXXX of my credit reports. XXXX, XXXX, and XXXX. I have disputed this account with all three credit bureaus and Capital One several times, and requested investigations. All XXXX credit bureaus informed me that Capital One verified and confirmed that the account belongs to me. I have not received any proof or documentation from Capital One that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Recently got credit report notice a collection on my account. For the amount of {$890.00} from ACcount Resolution a service - I spoke with a rep they stated that it 's for XXXX XXXX - my son a bill from XXXX 2012. I advised the rep that my son has state insurance.

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 08/22/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (OR).
Issue: Struggling to pay mortgage

Complaint: Ditech Financial is the servicer for loan. The borrower XXXX XXXX in XXXX 2016. The borrowers estate had to go through the probate process as he XXXX with no will or trust. The probate attorney we are working with advised the estate should not make any payment to creditors until the notice period has been completed and an estimated sale date for the property is known. I have explained to Ditech the situation and requested all late fees and penalties be waiver because of the unique situation. Ditech has refused repeatedly to waive the late fees. They have claimed no one at Ditech has the ability to waive the late fees. I know this is not true. I was also told by Ditech that the investor of the loan, XXXX XXXX, had to be the entity to make any decisions on the loan. I called XXXX XXXX and they said the servicer, Ditech, has full delegated authority to make decisions on the loan. When this was presented to Ditech they said the late fees could not be waived. I am disgusted at how Ditech has dealt with this loan. Ditech also said there is a {$19.00} fee to pay by phone, but you can use a free option on line. When I tried the online payment the system said the account was not eligible for free online payment. I have a history of conversations and actions with Ditech over the past 8 months if you would like to see how bad their service is.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: A Wells Fargo bank teller asked me about a cashiers check that I wanted to deposit into my checking account. She asked me what the check was for. I told her that it was a personal business matter, and that I was insulted at what she may be insinuating. She called her co-worker over, because she wanted me to tell her what the money was for. The co-worker said that they simply wanted to check the " validity '' of the check. It was a cashiers check from XXXX in XXXX, Az. The teller then chose to freeze all of my assets, and said that she wanted to do an investigation for my protection. However, the justification ( s ) she used for the investigation were that I had refused to answer security questions, which by the way would not be needed with me standing in front of her with all of my credentials and proof of identity. I simply did not want to tell her what I was going to use the money for. She clearly created a power struggle because I would n't tell her exactly why I was issued a cashiers check for a measly {$1900.00}. I am furious!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On X/X/17, I tried to withdraw {$5000.00} from my checking account from the Chase XXXX XXXX branch. I provided a primary and secondary form of identification as requested. The teller asked me to wait since he needed an override. Since it was taking awhile I asked if it would be easier to take it out of my savings since both had ample funds. The gentleman ( who never identified himself ) indicated that he was trying to see the last time I took a withdrawal so he could compare signatures. Quite frankly I could not remember so I said probably 10 15 years ago. I do n't normally transact business in the branch and therefore could n't remember. He then told me I could n't withdraw the funds as I did n't answer his questions accurately. I did tell him I write maybe 1 or 2 checks per month and could he compare my signature to them. He said it was n't procedure. When I asked for clarification, he told me he could not discuss further and walked away. I tried calling the XXXX number and they suggested I go to another branch as they were unaware of branch procedures. When I asked if the same thing could happen again, the operator suggested I ask the branch manager. When I reentered the branch, I found out I had been talking to the branch manager but now he was in a meeting. I was told I would have to write a check but I said that was not good as I needed funds availability today and not 2 days from now. I can understand if I did not have funds or did not have identification but I did. If they had asked I could have provided more. Now I am inconvenienced as I do not have ready access to my money even though the funds have been on deposit well past availability time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XX/XX/2015 my wife and I purchased a living room set (couch, love seat and ottoman) from XXXX XXXX XXXX in XXXX , Ca. We were offered a no intrest credit card for what we thought was 36 months through Synchrony Financial.
My wife recently noticed that the bill was not being paid down. At this point I contacted XXXX XXXX. They said the terms were 24 months deferred interest and advised me to call Synchrony Financial.
I called and had a very hard time getting through, I just went into a loop that eventually hung up on me. I kept calling and asked for an agent in the US when I reached an overseas agent who did not want to help me. Many dropped called and transfers back to overseas agent I reached an agent her that said he could help.I explained what happened, he reiterated the terms and told me that I had no choice but to pay the deferred interest (at 29.99 %).
I asked if they would be willing to waive the interest and fees and he replied no, we needed to pay in full and interest will still accrue until we paid if off.
While I admit  that we are guilty of misunderstanding the terms, we feel like we were misled. Fist it was not interest free. We also thought that as we made the payments that it would be paid off before the expiration of the interest free period ( as in a previous purchase through Sychrony and a different firm), but the payment listed was only minimum, which we did not understand. Again, I feel like we were mislead, no so much lied to as, but just given half truths and misinformation.
The original purchase was for $XXXX plus tax and delivery fee. The balance on the account now stands at $XXXX , and rising. This is almost as much as the purchase price. I feel that Synchrony is taking advantage of us and charging an outrageous intrest rate and late fees. They do not even want to do anything at all but tell us to pay all the interest and fees.
This institution is predatory, I can imaging how many people, partyicualy older non computer literate people are being scammed like this. You have to be very persistent to contact these people and push to get any kind of information or answers. 
Please appeal to them and see if we can get this matter taken care of, I cant sleep at nigh and, dont have enough money to pay this balance with the high interest rate the are charging..

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 06-03-2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I could not make a payment last Friday XXXX XXXX/XXXX/2015 XXXX, and I am now receiving threatening emails from attorneys. I have been threatened to pay immense amount of lawyer fees ; and will face jail time. Allied cash advanced is now harassing me with phone calls, as well as numbers that are n't identified.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recievely had my credit pulled, and was informed that I had collection with Franklin Collection Services for an    XXXX   account that I never had. I never recieved anything from  Franklin Collection  regarding the debt, verifying the debt or proving the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with Alliance Data Card Services (PA).
Issue: Transaction issue

Complaint: The credit card I had was for XXXX, which has since filed bankruptcy. I returned merchandise and a refund was never credited to my store card which is issued by Comenity Bank. XXXX sent emails saying they are no longer processing any returns or refunds and to dispute any charges with the credit card company, which I have done. Comenity Bank is now refusing to credit me and passing the buck back to XXXX even though they are unresponsive. I made my purchase on XX/XX/2016 and it was for XXXX. My account number with Comenity for my XXXX card was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2015 about Debt collection (I do not know) with Torriere Holdings INC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: on XXXX/XXXX/15 i recieved an automated dialer call from Spire recovery. they left a message on my voicemail for my sister in law. they disclosed on the voicemail that she had an account in collections and disclosed the account number on my voicemail. i contacted spire via phone and was told they were handling an account for my sister in law and provided me a file number to reference. the dialer they are using features predictive dialing features which is a violation of the TCPA. Spire disclosing account information on my voicemail is a violation of the Gramm-Leach-Billey Act. the fact i was told they are handling an account is 3rd party disclosure and a violation of the FDCPA. They never stated their communication was an attempt to collect a debt by a debt collector. This is a violation of the FDCPA. i contacted the owners of the business XXXX and XXXX XXXX regarding these violations. they in turn had a business partner by the name of XXXX XXXX contact the owners of the company i work for. XXXX disclosed my sister in laws account to the owners of my company. This is a violation of the FDCPA again by disclosing 3rd party information. I believe Spire is not licensed to collect debt in any state and they have absolutely no regard for the law or rules.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Wells Fargo sent me a letter stating that they had miscalculated my student loan payment by using a loan end date that was earlier than it should have been. They " assured '' me that the error was corrected and that my monthly payment was reduced, but they provided me with zero details relating to any of this. They did not tell me how long the payments had been miscalculated for, how much I overpaid, or what my new payment would be. More importantly, they recalculated my payments based on the corrected loan end date, but did so based on the existing balance. This recalculated balance should have been calculated based on the current balance MINUS my overpayment. As we know, payments in excess of your minimum monthly payment reduce your principle dollar for dollar, and this should have been factored into my new payment ... but it was n't. For example, if I should have been paying {$50.00} a month but i was paying {$100.00} a month due to the miscalculated payments, then my principle should have been decreasing by {$50.00} per month for the duration of the miscalculated payment. I am appalled that a financial services organization could either over look this, or try to put it past me. If this is not going to be taken into account, then I would expect this money to be credited to me, plus the average interest rate for that time period, as I could and should have been able to invest that money that I did not NEED to pay that entire time. I need to understand why this was n't done and have the appropriate adjustments made  ASAP.

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 03/14/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: EXPERIAN IS THE REPORTING BUREAU FOR THE US DEPT OF EDUCATION, THE FURNISHER OF ACCOUNT INFORMATION, XXXX ACCOUNT XXXX ... XXXX 
15 U.S.C. SECTION 1681 s-2 explains the furnishers, the credit bureaus, requirement for completeness and accuracy of credit information.If that completeness and accuracy can not be accomplished the bureau is required to delete reporting anything within 30 days. 
If this does not transpire then the person reported on may collect {$1000.00} per incident from the at fault bureau and furnisher. 
NO LESS THAN THE NEW PRESIDENT OF THE UNITED STATES HAS STATED HIS INCLINATION TO ABOLISH THE FURNISHER, ABOLISH THE ENTIRE DEPT OF EDUCATION FOR POOR PERFORMANCE OF THEIR DUTIES TO THE AMERICAN PEOPLE AND TO REPLACE THEM WITH PRIVATE ENTERPRISE. 
THE PRESIDENT HAS A PROGRAM IN PLACE FOR LOAN FORGIVENESS AND MONTHLY PAYMENT CAPS BASED ON ABILITY TO PAY. 
F.OR MUCH OF THE TIME OF MY LOAN I WOULD HAVE QUALIFIED FOR A MUCH LOWER PAYMENT AND NOT HAVE RECEIVED THE CREDIT DINGS BECAUSE OF THIS ... ... .YET MY LOAN IS PAID AND CURRENT UNLIKE 40 PER CENT OF THE EXISTENT LOANS. 
*********MY PAYMENT HISTORY IS MISSING XXXX ( WHEN YOU HAVE A XXXX reported in monthly billing YOU MUST HAVE A PRECEDING XXXX SO ON ... THIS IS INCOMPLETE, INACCURATE REPORTING. ( fcra specific violation ) ***************************************************************************** IT IS IMPORTANT TO SHOW EACH AND EVERY XXXX BECAUSE I PLAN TO FORWARD THIS COMPLAINT AND YOUR RESPONSE TO THIS COMPLAINT TO PRESIDENT TRUMP SO HE CAN BE SURE TO REMOVE YOUR POINTLESS ABILITY TO REPORT LOANS THAT ARE PAID IN FULL BEFORE HE REMOVES YOUR ENTIRE DEPT OF EDUCATION FROM EMPLOYMENT. 
YOUR POINTLESS REPORTING IS DAMAGING TO ME AND SERVES NO PURPOSE WHATSOEVER NOW THAT THE LOAN IS PAID IN FULL ... ... EVEN THOUGH IT WOULD HAVE QUALIFIED FOR PARTIAL FORGIVENESS ... ... .... 
SHOWING MY ACCURATE PAYMENT HISTORY, '' WHICH YOU DO NOT '', WILL ENABLE ME TO SHOW THE PRESIDENT 'S OFFICE HOW, EVEN THOUGH I COULD N'T AFFORD ACCORDING TO TRUMPS RULES, I REPAID MY LOAN. 
you have " no skin in the game '' concerning my loan to report negatively on me and this in the light of my circumstance appears to be contrary to our new Presidents wishes, so do your best to correct or delete my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Student loan (Non-federal student loan) with AES/PHEAA (AZ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have XXXX complaints. I would like both addressed as the company has refused to address one of the complaints, which I have registered with you on two occasions. The other complaint is a new one. 
1. XXXX/AES refuses to send monthly statements for the interest. I want to pay the interest so it does n't continue to accrue. It is currently over {$3000.00} on a {$6000.00} loan. Usurious. 
2. We just received notice that the loan is being submitted to a collections company.The loan is in forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Other debt) with Malcolm S. Gerald and Associates, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Malcolm S Gerald & Assocs. phoned me on multiple occasions most recently on XXXX XXXX, 2017 at XXXX XXXX. I was at work at the time. The person on the phone demanded that I pay XXXX dollars to settle a debt for magazine subscriptions. I told him I had no such debt, and I had not ordered any magazines. I asked him to send me evidence of this debt which he claimed to have already done. I have never received anything on paper of any such debt. This company is harassing me with repeated phone calls regarding this false debt. According to their website, their address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Phone : XXXX

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