milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Sale of account

Complaint: Since XX/XX/1996 I have had a XXXX Credit Card through Chase. I want to keep my card with Chase. Chase has been great with fraud detection and the site is easy to use. Customer Service has been outstanding. I have built up a XXXX year great credit history. 
I received a letter last week that Syncrony Bank is taking over the XXXX rewards card. I do not want to switch. I called Chase and requested to switch my account to another chase card. Chase said that I can not do this anymore because the accounts are going to XXXX Bank. My only option is to open a new account. I do not want a new account. XXXX Bank and XXXX gave no notice about this. I would have switched my account when I could but I had no idea that anything was changing. We should have been given at least a 60 day notice period to stay with chase with a different credit card and keep the credit history in tact. I have no loyalty to XXXX. I want to switch my Visa Siganture card to another Chase Reward card and keep my credit card history and stay a Chase Customer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX XXXX, I paid Chase in cash the full amount of an account that was previously charged off. Chase alleged it notified XXXX of the same on XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX ), I called XXXX to verify if they had been notified of the payoff ; they denied receiving the information. I called XXXX, XXXX XXXX XXXX ( XXXX ) again asking confirmation of account being paid off ; again they denied the same. XXXX XXXX XXXX ( XXXX ) - I filed an online dispute with XXXX  providing proof of payment, as instructed by XXXX. XXXX XXXX XXXX ( XXXX ) I went into a local Chase branch, asking for documentation as proof of date and time the pay off information was sent to XXXX, Chase representative said they had no documentation. I asked how they communicated payoff to XXXX, they refused to provide this information. XXXX XXXX XXXX ( XXXX ) I called XXXX again asking if they received documentation of payoff - Representative said : everything was on hold while investigation is being conducted based on dispute filed XXXX XXXX XXXX. I  asked what that meant. Rep said : documentation was sent to Chase requesting response of payoff. I asked when was the documentation sent. The Rep said : It 's in process. I stated to Rep - since you ca n't tell me what time, then you obviously have not sent the request to the bank. Rep stated even if bank sent or subsequently sends documentation of payoff, I would not know anything until investigation is completed, that they have 30 days, and results would be sent in writing. Since it takes " seconds '' to put me into XXXX, why ca n't I get answers in " seconds '' to my valid questions? Why have I been lied to by both the bank and XXXX? It 's my understanding that this is all done electronically, and I know that wire transfers can occur within 15 minutes - so why does it take these two entities days to document proof of this transaction? I paid cash, borrowing money to pay this outstanding debt, and I ca n't get a straight answer from anybody. I told XXXX I would be filing this complaint, and I 'm requesting an immediate response. My life is on hold while these two institutions XXXX around. Please advise at your earliest convenience ( i.e. - immediately ). Thank you for your assistance and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2017 about Debt collection (I do not know) with Clay Chapman Iwamura Pulice & Nervell (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone by the name of XXXX, XXXX # XXXX of XXXX, XXXX is making some outrageously erroneous statement ( s ) on XX/XX/XXXX that XXXX, Incorporated has a contractual relationship with XXXX, XXXX and XXXX, XXXX acts as XXXX, Incorporated 's servicer as provided by the terms of the Mortgage. 
Go to first Attachment, highlighted on page 4 of 8, and also go to second Attachment.

Company response to consumer: Untimely response
Consumer complaint received 04/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Covenrgent outsourcing is attempting to collect a debt that they clam is from XXXX XXXX, in XX/XX/XXXX. They sent me false documents of a bill from XXXX, with an address in XXXX, Colorado. I have not lived at that address since XX/XX/XXXX. I want them to stop contacting me and stop attempting to collect this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: I wrote a check and stub dated for the XXXX of XXXX, 2016 that was cashed yesterday, XXXX XXXX, 2016. This caused my bank account to go negative and I incurred bank fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with KEYCORP (NV).
Issue: Forbearance / Workout plans

Complaint: I lost my XXXX XXXX I called Key bank credit card to inform them, I then asked to speak to someone in the hardship department. I missed an XXXX 2016 payment, In XXXX I called them they said to send in XXXX, I still asked to speak to someone in the hardship program they said I had 60 days to pay XXXX, when I called back they said I was misinformed. I am speaking to representatives from XXXX who would not even give me the address to the hardship program. I have been sending in payments and they refuse to work with me and continue to add on late fees and higher min payments I am sick and still disable with out any income other then my children helping me stay on track but the refused to help when all my other credit cards have.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navy Federal is reporting a loan that I paid off as being delinquent. I paid the loan off in full in 2016. It is still reporting negatively on my credit. I called Navy Federal and confirmed that I did not have any outstanding loan balances 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 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern, I am writing to you again in hopes of seeking assistance and/or direction. I have not been successful in trying to workout a plan in getting my mortgage current or modified. I have REPEATEDLY sent in the docs requested via fax and email ( using XXXX different fax machines ) and EVERY follow up call I make to SPS the response is the same, " we did n't receive your docs or we received your docs but not all of them. '' I am seeking some direction. I have done exactly what was asked and I I still seem to get no where. My concerns is I will be served with a foreclosure notice and I in the process I am accruing fees and penalties. 

I have not been able to ever speak with my 'SPOC ' as she is never available. I did receive XXXX messages from a XXXX XXXX ' in the Consumer Dept. but when I return the call the office is always closed. 

Thank you for your time. 
Sincerely XXXX XXXX Dear Sirs, My mortgage is serviced by Select Portfolio Servicing, at the end of ... 












We 've sent your complaint to the company for a response. 



We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 



You should receive a status update within the next 15 days. 



You can track the status of your complaint at : XXXX. 



New CFPB mortgage rules protect borrowers and make it easier for them to get the help they need. Submitting a complaint wo n't automatically stop or delay foreclosure, but if you 're behind on your mortgage, or having a hard time making payments, call us at ( XXXX ) XXXX ( XXXX ). We can help you find a housing counselor in your area who can develop a plan of action for your situation and help you work with your mortgage company. Foreclosure prevention help is free and special assistance XXXX be available to military members or veterans. You can find more information on mortgages at : XXXX Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX ) On Monday, XXXX XXXX, 2016 XXXX XXXX, Consumer Financial Protection Bureau XXXXXXXXXXXX XXXX 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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX | XX/XX/XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have  on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX Unverified Account Unverified Account Unverified Account Creditor 12 Unverified Account Creditor 13 Unverified Account Creditor 14 Unverified Account Creditor 15 Unverified Account Creditor 16 Unverified Account Creditor 17 Unverified Account Creditor 18 Unverified Account Creditor 19 Unverified Account Creditor 20 Unverified Account Creditor 21 Unverified Account Creditor 22 Unverified Account * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, XXXX XXXX XXXX XXXX. IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX. XXXX Signature STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced XXXX as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. WITNESS my hand and official seal in the County and State aforesaid this _____ day of XX/XX/XXXX. XXXX Notary Public Printed Name : My commission expires :

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint documents my experiences with Wells Fargo bank regrading a VA mortgage loan in XXXX 2008. I write this complaint to show that Wells Fargo practices of forcing unwanted accounts on consumers goes further back than originally reported. My application was filed and processed in XXXX XXXX, TX during XXXX 2008 for a primary home in XXXX XXXX, Texas. There were no issues with the approval or loan processing until after closing on XXXX XXXX, 2008. I am a XXXX XXXX veteran and was receiving XXXX XXXX compensation as a direct deposit to my XXXX Bank checking account. I used employment earnings to pay the mortgage from another bank checking account and I used the XXXX checking account to pay-off credit card debts. However, my XXXX 2008 XXXX XXXX check was not deposited to XXXX Bank as it had been for many years, and I received an overdraft notice from XXXX Bank. It took many phone calls to XXXX Bank and the XXXX to learn that my XXXX XXXX check was deposited to a Wells Fargo checking account I did not authorize and did not know I had. The Wells Fargo account was opened without my knowledge or consent and my XXXX XXXX check was diverted from XXXX Bank to Wells Faro Bank by person 's unknown at Wells Fargo to this new account without my knowledge or consent. It took two months for the VA to process another direct deposit request and return my XXXX check to XXXX Bank. The bogus Wells Fargo account showed up on my credit reports until I partitioned Wells Fargo Bank to close the account and remove records from my credit reports. This loan has since been paid off and the property sold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Deposits and withdrawals

Complaint: I have been scammed by a person claiming that they are apart of XXXX claiming that the can qualify me for XXXX vouchers to help pay debt. they informed me that I would need to submit to them {$3200.00} by XXXX / XXXX in order to proceed with the program. they informed me that they would need my username and password to login to see if I qualify for the program. I was notified by the rep that i qualified for the program and the next morning I received a deposited amount through mobile bank for {$3900.00}. So the rep informed me to send {$2700.00} by XXXX and {$500.00} through XXXX. Wednesday night, I found out that the amount that was deposited was reversed. I call PNC and they informed me to call XXXX.I called XXXX and they could not pull up my info. The rep asked me what state am I located in. I informed the rep that I reside in Maryland and found out from the rep that XXXX does not cover Maryland. I called PNC again and they informed me to call them in the morning to make a claim. I spoke with a rep in the morning stressed out about the situation and was told that It happens all the time and he claimed that I would handle well and that I could go back to work because it will be resolved. All I need to do was wait for the form to finish the claim. Its been over a week and I have not received the form. I was also told to open another bank account in order to use funds. During the week I deposit money in the new account at PNC finding out that my account is on hold due to the investigation. I called PNC and ask to speak to a manager in the fraud department and I was transferred to Employee Service in mind of that I am not a employee of PNC. I was finally transferred to a rep who claimed that she was a manager and has not cared on how I was treated from the company nor car on how many times I had issues with PNC Debit card had to be replace due to fraud alerts. I want to speak to corporate of PNC Bank. I filled out a IC3 form requested by FBI and filed a report with Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Problems when you are unable to pay

Complaint: XXXX XXXX, XXXX, I purchased a XXXX XXXX from XXXX XXXX located in XXXX, Texas. The initial loan was financed through AmeriCredit XXXX XXXX. The loan was acquired by GM Financial. I contacted a representative on XXXX XXXX, XXXX and requested a printout of my payment history. Upon reviewing the documents I noticed there were several months in which the finance company charged me over {$400.00} dollar in interest. My monthly car payment is {$510.00}. I called the finance company. The representative said I have a simple interest loan. I asked the representative is it legal to charge me an exorbitant interest rate on the loan balance. In my opinion, this type of loan is equivalent to the pay day and or car title loan. I vaguely remember reading the government has passed or is contemplating passing legislation to prevent companies for preying on customers in financial distress. She said the interest is compounded daily on the unpaid loan. On XXXX occasions I encountered financial difficulties and deferred the loan. Unbeknownst to me they charged me XXXX the amount of interest which resulted in additional {$2400.00} in payments. I asked the representative how much I would save if I paid the loan off. My current interest rate is 10 %. She said I would not save a penny because they have already added the interest due to the type of loan. Can a finance company legally charge over {$300.00} in interest in one month? I am confident XXXX of Americans on a daily basis are paying a high interest on a simple loan due to lack of knowledge. I would not have selected this type of loan option. I relied on the expert knowledge of the loan officer. 

Example of interested paid : {$270.00} interest paid XXXX/XXXX/XXXX {$430.00} interest paid XXXX/XXXX/XXXX {$390.00} interest paid XXXX/XXXX/XXXX - I was late paying the care note {$420.00} interest paid XXXX/XXXX/XXXX - I was late paying the care noteInterest rate in XXXX to XXXX average was {$270.00} dollarsInterest rate average in XXXX was {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt is already paid

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (I do not know) with Global Credit & Collection Corporation (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I receive a call from Global Credit And Collection Corp XXXX/XXXX/16. The representative was name XXXX and supervisor was XXXX. Both were abusive and hostile and threatening. This was the first call I received and have no clue as to why I am being contacted. They were both shouting and talking over my questions. I asked to not be called again.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted Pinnacle Credit Services regarding this. They refuse to speak to me and instead refer me to a third party that refuses to provide documentation on this " debt '', instead choosing to be rude and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The courts are reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not report or verify that information to the Credit Bureaus. That information was pulled by a Third Party and they reported it. After disputing it with Trans Union they claimed it was verified by the US Bankruptcy court which is a blatant Lie, therefore this must be deleted from my report immediately.

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 04-06-2015 about Debt collection (I do not know) with Rubin & Yates, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This person by the name of Rubin and Yates has contacted me several times on my cell phone and now somehow they got ahold of my place of employment they have also sent me emails with fake drawn up court papers stating that I 'll be taken to court. The number they just called me on at work is at XXXX and when I picked up all he asked was is this XXXX XXXX and then I said my I ask who 's calling and he would n't identify himself and then I disconnected the call. They leave me threatning voicmails stating legal obligation and I 'm being named as a defendant and is going to to have a sheriff dispatched to my home/and or employment and that I have to appear in court. Said me or my attorney needs to call them at this number and that I have been legally warned ... XXXX. They also mask thier phone number by using a local number as well. I usually do n't answer it because I 'm sick and tired of the threatning calls and when you ask these people for documentation they start yelling and screaming at you and then hang up the phone. I believe these people are fraud. I would like this to stop immediately..

Company response to consumer: Untimely response